Bill me Later is overcharging me on interest and late fees and other charges for years. I paid faithfully monthly until I read online they had been overcharging customers interest and late fees and other charges they never made. I haven't paid them in 4 months and they are harrassing me in email, phone calls. I am not paying them another cent because they are crooks. My account has been closed for some time now and I have not made anymore charges with them in over 2 years. I want to be joined in a lawsuit against them so this stops.