Complaint Review: HELP CARD HC Processing Center

I purchased a temperpedic bed which I am very happy with.
Temperpedic set up financing through HELP CARD HC Processing Center hccredit.
I made payments, then there was a problem.
I went to the web site to make an on line payment.
The payment was due on 9-25-2006, it was 9-22-2006.
I made a payment of $400.00 the min due was $72.00 (approx)
Then I get my next bill in the mail and there are all kinds of charges on my bill.
$35.42 for Intrest
$2.50 monthly fee
$39.00 Delinquency Charge
$206.88 DFI Recharged Intrest.

This was suppossed to be 12 months no intrest financing.

I called them they were very stern on the phone, sorry your payment was 1 day late.
Late?
I made it on your web site, then I was told that it can take up to 2 business days to process the payment.
I said so what it is on your site and you can see that I made a payment.
Then they ask me for the cancelled check?
what check it was made on line.
They forward me to a supervisor of which you get a voice mail and then a letter in the mail.
The letter states that if I have a check to show they will talk to me???
There is nobody there to talk to execpt the operator.
This month I paid the entire balance off because I was worried that there would be more charges.

I want my money back from these people. $283.80 OF Charges that I should not have to PAY.

Allen
Coral Springs, Florida
U.S.A.