i got a loan in november 2011, couldnt pay it back untill i got my taxs, got calls constantly about pressing charges if not paid. I get my taxs back and pay hte bill off my h&r block card, went back to cashing my checks there for months after repaying the loan, then one day out the blue i go cash my check and they take $62.92 out and said it was for that loan, so they gave me a collection agent number, took 6 days to get it all worked out, then put the money back on the h&r block card that took hrs of diggin to find lol, they will never have my buiessness again,,,,,