To whom it may concern , I paid Easy Financial Services $6000 in interest payments on a $8200 in 14 months. I deferred two payments and because "I did not catch up" they said ALL of my $397.48 per month went 100% to interest on interest. I also paid $1000 I thought would go to principal but because "you did not pay on your due date" most $$$ went also to interest. I still owe about $7000 in year 2 of 4. I would be really f@@ed if I took their loan insurance which I declined. After I pay this off I will NEVER borrow from them. I am also wondering if anyone has or is willing to launch a "Class Action Suit" . NOT because they charge high interest but they don't explain their business practices to their "Customers " STAY AWAY AT ALL COSTS..DON'T BORROW FROM THEM..Ask Family or Friends to help you out. If you are deep in debt seek advice from a Trustee in insolvency or proposals User's recommendation: STAY AWAY AT ALL COSTS..DON'T BORROW!!