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@shoutingwind, nangyare sakin yan! naku kakainis! yan pa yung time na nasa manila kami. nag iwan ako ng enough cash for my loan for that month, aba nasa pinas palang ako, I've been receiving messages and calls na kulang nga ang payment ko for my loan! naloka ako! when I got back here, checked kagad ako online statement ko and may insurance charge nga na ganyan! eh di call ako sa toll free number nila, may letter nga daw na nai-send blah blah blah. so sabi ko, wala akong narereceived coz nasa phils ako and kakabalik ko lang. hayyy kung sino sino pa ang kinausap ko. at the end, narefund ko rin naman.. kakairita lang yung may tatawag pa na recorded message sayo na may balance ka nga daw grrr! and even at night ha at 9pm!