1 /5 Timothy Kellenaers: I just found out that the annual percentage rate quoted when I borrowed money was actually misrepresented. I borrowed an amount and they basically added about 1.2 times that amount of money to the balance, and then after paying for over a year, I find that ALL of the payments have only applied to the interest and none of the payments went against the principal amount of the loan. This is misleading, usurious, unscrupulous, immoral and certainly not the way that an honest and true lending service with morals and a conscience would work. STAY CLEAR OF THESE SHYSTERS! THEY WILL TRY TO HIDE THE TRUTH IN MISREPRESENTATIONS.