Loan account paid in full before term in Sept, 2012. Requested 3 post-dated cheques to be returned. They were not! Oct 4, cheque deposited and payment taken out of my bank account. Phone call-talked to 3 different people. They returned the full amount to me along with the 2 remaining post-dated cheques. November 15- a photocopy of November cheque was tried to be deposited with the excuse that the original was lost. Bank notified me& put a stop payment on it. Phone call to SST-3 people later and finally a supervisor- will check it out. I faxed the copy from the bank with explanation. Every person I talked to had me on hold for a long time. In total I was on the phone for 45 minutes as each person reviewed my file. I was told they would look into it. I have heard nothing! December 12, 2012, A photocopy of the December post-dated cheque was tried to be deposited! Again, stop payment & long phone calls to SST. Finally talked to an Escalations supervisor-Will look into it. My bank even phoned them. With all the other complaints about this company-how can they still be in business? This is pure fraud!!!