Cash call gave me a loan, which I was grateful for, and more than willing to pay back. After the process had begun, I realized that they had misrepresented the apr, it was not 9.95%, it was 99.5%, no joke. I was locked in, and had no way out. I made my payments every month, until I lost my job. They continued to take the money out of my checking account, even after notifying them that I had no money. They cost me over a thousand dollars in overdraft fees, I lost my car, and got thrown out of my house. They called my phone, and the numbers of my references over a hundred times in ten days. I notified them that they were harrasing me, and the person at cash call cussed at me and told me it was my fault. They were totally unwilling to work with me, and have now sold my debt three times starting the whole process over again each time. Instead of the debt being off of my credit in seven years and 180 days, they are keeping it on my credit indefinitely. I have already paid them what I borrowed, plus several thousand dollars, please help. I would love to be involved in a class action law suit against them if any attorney is willing to help the hundreds of thousands of people that have been unethically treated by them.