Unfair Business Practice

These guys will charge you a 10% collection and 1.75%penalty for a fee paid 3 days late and with POP sent and before they even send an email requesting payment , making your already high statement even more high. i see this as a quick money making scheme as they are not flexible, i have had to chase after them numerous times (over 6 months) just to get my statement sent to me, yet they are so quick to penalize and sink you into debt