I bought a car from a unreputable car dealer on the west side of Chicago, it was a lemon and I was constantly paying for repairs, so I stopped paying the note. Now 22 years later NCB Management and they're associates over at Universal Acceptance are shuffling uncollected debt claims around, between them and other collection companies to keep the debt active. But I believe that this is illegal and I am seeing what can be done about this. But for anyone from NCB reading this know this, "YOU'RE NOT GOING TO GET A DIME OUT OF ME!!!!So I wish you well in your endeavors, and hope that something happens to your company and you wind up with your buddy Barnie Maddoff. You clowns!!!!