I was with them for almost a year without complaints or problems, but then again, I never needed them. Went to cancel at the end of 2013 a week before my next payment was due. The representative said the cancellation will not take effect until the end of January 2014 and that I had ALREADY been charged for the coming month. There was MORE than enough time to cancel without having to charge me for another month. They knew I was ending the relationship and figured they had nothing to lose by collecting another month's payment. Nice way to screw me on my way out the door!