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I received a call from YMA agent saying that their company was send by NCR to reduce my installments as I was being charged high interest. While i was talking to him he was already loading a Debi check on my profile which I accidentally approved. I then called YMA spoke to a lady by the name of Wendy who doesn't have telephone etiquette at all, laughing, chewing, talking to friends while I was listening. On the 22/03/2021 I called again irate as my account debited and I wanted my money back, but there were 2 ladies Amanda who referred me to Aisha, I was send a refund from by Aisha who was willing to assist, even calling me back to give updates until I received my refund and the mandate cancelled. Thank you so much Aisha and Amanda you are the STARS of YMA! Wishing that everyone in your company can be service champions as noth of you. M happy i received my money back.