Complaint Review: Care Credit And Gemoney Bank

I took out a dental loan with care credit for $500 in July of 2006. I paid $25 a month online or by mail. Every month i recieved a late fee notice, even if i paid the payment way in advance....also they charged interest, which they were not supposed to do...by April of 2007 my bil is now up to $850...they have added $30 over the limit fees to my bill every month now...I called last week to settle this account paying only what i owe on the $500, excluding all the late fees and over the limit fees...they refused to do this, and i guess i am turned over to a collection agency...i am at a loss here , i don't know what to do from here...i am not paying the over the limit and late fees....also they have nobody on the phone lines that knows anything, it is just a call center basically, there is nobody to speak with in management or finance. Before long my bill will be doubled. I have never dealt with such a co, and i hope i can just pay what i owe and be done with them, but it looks like they will not accept this. I want to tell everyone to please not deal with care credit or ge money bank....thanks sandi

Sandi
mogadore, Ohio
U.S.A.