I to got a loan and when I was one day late they threatened me and mt guarantor. I hv breast cancer and was told to my face that that was not of there concern. I burst into tears and this person called Sam said pull yourself together. U took the loan out and u knew u had to pay it on time. I then asked for the complaints department . He was happy to give it me. Only to find out later that he was the person who deals with the complaints. Hv breast cancer is the worst and they had no compation. My guarantor went mad at them but they just said. That's it's not there problem. Never ever go with Flm loan even if ur double desperate. This will sound real bad now but sleeping for the money would hv been better. They r rude ignorant hv no compation and arrogant people to do business with. Stay away