Hi there Has anyone fallen into the REFINANCE trap - I have fallen into this trap twice - unfortunatly this was before I found this site. I feel that the customer care/ collections are anything but careing - they appeared to be offering me the only way out of my financial problems with overdraughts and ever spiraling bank charges but it seems that I have been taken for a ride by them. I guess its time for the worm to turn - any advice befor I send my first letter? annjq