• Report: #138713

Complaint Review: Arcadia Financial

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  • Submitted: Wed, April 13, 2005
  • Updated: Fri, May 13, 2005

  • Reported By:Antioch Tennessee
Arcadia Financial
arcadiafiancial.com Minneapolis, Minnesota U.S.A.

Arcadia Financial ripoff Minneapolis Minnesota

*Consumer Comment: ARCADIA TRANSOUTH ABUSIVE EMPLOYEES RIGHTS HAVE BEEN VIOLATED

*Consumer Comment: ARCADIA TRANSOUTH ABUSIVE EMPLOYEES RIGHTS HAVE BEEN VIOLATED

*Consumer Comment: ARCADIA TRANSOUTH ABUSIVE EMPLOYEES RIGHTS HAVE BEEN VIOLATED

*Consumer Comment: ARCADIA TRANSOUTH ABUSIVE EMPLOYEES RIGHTS HAVE BEEN VIOLATED

*UPDATE EX-employee responds: LETS GET READY TO RUMBLE

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I am also interested in being included in a class action lawsuit against Arcadia Financial. I am being charge fraudulent interest charges and my principle balance doesn't seem to decrease as each payment is made.

My car was repo'd back in July of 04 and in order for me to obtain my car, I had to pay over $900.00. However, when I requested a payment history, the payment did not show.

Kathy
Antioch, Tennessee
U.S.A.

This report was posted on Ripoff Report on 04/13/2005 04:08 PM and is a permanent record located here: http://www.ripoffreport.com/r/Arcadia-Financial/Minneapolis-Minnesota-55440-1437/Arcadia-Financial-ripoff-Minneapolis-Minnesota-138713. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

ARCADIA TRANSOUTH ABUSIVE EMPLOYEES RIGHTS HAVE BEEN VIOLATED

AUTHOR: Charles - (U.S.A.)

I to have dealt with the same problem with arcadia just like from the other complaint's i have read about them on this site me & my grandfather finance $14,000 for a 2000 hyundia elantra back in 2000 & have made payments ontime up until 09/03 & the balance on the car was still around $10,000 we were never going to pay of this loan any time soon due to their high interest rate's & i paid $300 ontime sense 2000 we did not how crooked arcadia was or abusive they were even was abusive toward us when we were making the payment's to the car i was everyone else desperate to have a car i was 18 at the time so i had no credit but it's ruined know due to this accident..I was involved in an auto accident one year ago on 09/12/03 caused by the other party and they caused the car to be totaled; their insurance company has already found them guilty for the cause of the wreck and now by law, when the other party is at fault for the wreck, their insurance has to pay off the loan. Well not in this case.

Arcadia says that they don't have to pay off the loan so therefore the insurance company hasn't done anything to settle anything. Arcadia keeps on saying that I had a signed contract with them and that I have to pay them even though the accident wasn't my fault.

That is much of a rip off like arcadia. They're a lot alike in my eyes. So therefore thanks to the insurance company won't do nothing and arcadia says they don't have to pay even though their insured was the cause of the accident. I still have to pay. It's just a pain. I am having a hard time finding a lawyer with this matter no thanks to the insruance company refusing to do anything.

My credit is messed up from a good credit rating I had with arcadia and now from getting the loan paid down, interest is starting to build up. This is totally unfair to me. The wreck wasn't my fault and arcadia still expects me to pay them and let the insurance off the hook. They keep saying the contract is with you not the insurance company. When someone destroys your property then they have to pay for it. Arcadia has completely ignored the problem with the insurance company and the accident which I was involved.

This whole deal of what arcadia and the insurance company is totally unfair to me. It's only fair that the insurance company pays off the car since it was caused by their insured. This whole thing has ruined my credit rating and I do not know what to do. Arcadia has recently threatened to take me to court to collect the balance that is owed. They're just ignoring the insurance company and still continue to harrasse me.

I agree with the other people. They are a rip off, abusive, threatening people and arcadia will go to the extremes to get you down. All the payments I have made to them they have not posted them to my credit file. They have not owned up to their end of the contract. They're a fraud company who should be put out of business . They're also a bunch of thieves. I would kindly like to say to people if you only going to be rude and ridcule me for what I had said about arcadia please do not respond to this to me. You're just like them, rude threatrning and abusive. So please if you're going to be like that don't respond. People have a lot of troubles then having to listen to people ridicule and abuse when they have been done just like i have been done when they are ripped off. They have a right to tell about it without being ridecule like I've seen people do on here.This as gone on for about a year know arcadia threatning & harassing us recently they have threatned to take legal action agaisnt me & my grandfather if we do not pay & also have to put up with their rude & hateful,abusive collection ontop of it the insurance company refuse's to pay for anything after their insured caused the accident & caused the totaling of my car & life has not been easy for me ever sense the accident having to deal with the harassing & ongoing threats from arcadia because we cannot pay them we do not have the extra money to pay them..The insurance company PROGRESSIVE accepted the responsibilty for their insured causing the accident but refuse's to pay off the car resulting after accepting the responsibilty (PROGRESSIVE) sent me a check in the amount of ($3334.00) for the repairs only when the body shop began the tear down they found more damange due to the electrical wires that ran the car had been cut & the body shop ceased all repair work,& contacted progressive when progressive went back to look at the car for damange to be totaled to $67000 due to extreme wire damange progressive just decides to total the car out..After,progressive totaled the car out i had to take the money progressive sent to me & purchase a new car arcadia did not like this at all they claim that this check was for the total loss of the car & they were pissed at me & have told me off about it this check was only for the (REPAIRS) ONLY not for the total loss of the car..I, had to quit paying arcadia due to this accident & having to purchase a new car due to all this mess & has harassed me & my grandfather consently this is how it as been for me ever sense the accident they keep telling me due to the sign contract i have to keep paying until loan is complete they will not go after the insurance company progressive arcadia says that progressive is not responsible to pay off the balance that i am due to the signed contract we have ignored their phone call's & their letters we have told them our side of the story,still they continue to harass us because this accident was not my fault & i am being abused & threatned bye arcadia i had a good standing with them all up till the time of this accident but that is a thing of the past my credit is know runied due to the insurance company failing to settle within a link of time causing late fee's & more interest fees being added to the balance which is know $14,000 all i saw is if their is a class action lawsuit going on me & my grandfahter want it we do not need to let these scumbags what they did to us & are continueing to do to us get away with it.This has been a hard year for me they also have made it hard for my grandfahter & none of this was my fault the account is also on his credt files to & as also kepted him from getting anymore credit he recently tried to bye a new house for his heart condition & handicapped because he know as to use a wheel chair to get around & is suffering from diabetes & has been hosipitlized two times sense this accident from his condition & he is dealing with all this strees & mental anquise & he was turned down for this house loan because of arcadia account with past due amounts which they told him & arcadia is making him worse with threatning him with legal action bye threatning to take his house&property they can't do that due to my grandmother's name being on the house.Arcadia&their collection agency have abused my grandparent's bad the collection agency often mistreating&talking hateful toward my grandmother because she refuse's to let them speak to him due to his heart condition & due to this undue stress in dealing with this causing him to have a heart attack,we cannot pay arcadia due to this accident & are getting tired of the threats&abuse that we have suffered from them & are know threatning us with legal action if we do not pay & them letting progressive get off without paying for anything after their insured caused the accident&caused the totaling of my car..If their is anyone with advice or how to help me & my grandfather in this situation as we face legal action from arcadia please let me know because i have run out of options because we are unable to pay arcadia.
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#2 Consumer Comment

ARCADIA TRANSOUTH ABUSIVE EMPLOYEES RIGHTS HAVE BEEN VIOLATED

AUTHOR: Charles - (U.S.A.)

I to have dealt with the same problem with arcadia just like from the other complaint's i have read about them on this site me & my grandfather finance $14,000 for a 2000 hyundia elantra back in 2000 & have made payments ontime up until 09/03 & the balance on the car was still around $10,000 we were never going to pay of this loan any time soon due to their high interest rate's & i paid $300 ontime sense 2000 we did not how crooked arcadia was or abusive they were even was abusive toward us when we were making the payment's to the car i was everyone else desperate to have a car i was 18 at the time so i had no credit but it's ruined know due to this accident..I was involved in an auto accident one year ago on 09/12/03 caused by the other party and they caused the car to be totaled; their insurance company has already found them guilty for the cause of the wreck and now by law, when the other party is at fault for the wreck, their insurance has to pay off the loan. Well not in this case.

Arcadia says that they don't have to pay off the loan so therefore the insurance company hasn't done anything to settle anything. Arcadia keeps on saying that I had a signed contract with them and that I have to pay them even though the accident wasn't my fault.

That is much of a rip off like arcadia. They're a lot alike in my eyes. So therefore thanks to the insurance company won't do nothing and arcadia says they don't have to pay even though their insured was the cause of the accident. I still have to pay. It's just a pain. I am having a hard time finding a lawyer with this matter no thanks to the insruance company refusing to do anything.

My credit is messed up from a good credit rating I had with arcadia and now from getting the loan paid down, interest is starting to build up. This is totally unfair to me. The wreck wasn't my fault and arcadia still expects me to pay them and let the insurance off the hook. They keep saying the contract is with you not the insurance company. When someone destroys your property then they have to pay for it. Arcadia has completely ignored the problem with the insurance company and the accident which I was involved.

This whole deal of what arcadia and the insurance company is totally unfair to me. It's only fair that the insurance company pays off the car since it was caused by their insured. This whole thing has ruined my credit rating and I do not know what to do. Arcadia has recently threatened to take me to court to collect the balance that is owed. They're just ignoring the insurance company and still continue to harrasse me.

I agree with the other people. They are a rip off, abusive, threatening people and arcadia will go to the extremes to get you down. All the payments I have made to them they have not posted them to my credit file. They have not owned up to their end of the contract. They're a fraud company who should be put out of business . They're also a bunch of thieves. I would kindly like to say to people if you only going to be rude and ridcule me for what I had said about arcadia please do not respond to this to me. You're just like them, rude threatrning and abusive. So please if you're going to be like that don't respond. People have a lot of troubles then having to listen to people ridicule and abuse when they have been done just like i have been done when they are ripped off. They have a right to tell about it without being ridecule like I've seen people do on here.This as gone on for about a year know arcadia threatning & harassing us recently they have threatned to take legal action agaisnt me & my grandfather if we do not pay & also have to put up with their rude & hateful,abusive collection ontop of it the insurance company refuse's to pay for anything after their insured caused the accident & caused the totaling of my car & life has not been easy for me ever sense the accident having to deal with the harassing & ongoing threats from arcadia because we cannot pay them we do not have the extra money to pay them..The insurance company PROGRESSIVE accepted the responsibilty for their insured causing the accident but refuse's to pay off the car resulting after accepting the responsibilty (PROGRESSIVE) sent me a check in the amount of ($3334.00) for the repairs only when the body shop began the tear down they found more damange due to the electrical wires that ran the car had been cut & the body shop ceased all repair work,& contacted progressive when progressive went back to look at the car for damange to be totaled to $67000 due to extreme wire damange progressive just decides to total the car out..After,progressive totaled the car out i had to take the money progressive sent to me & purchase a new car arcadia did not like this at all they claim that this check was for the total loss of the car & they were pissed at me & have told me off about it this check was only for the (REPAIRS) ONLY not for the total loss of the car..I, had to quit paying arcadia due to this accident & having to purchase a new car due to all this mess & has harassed me & my grandfather consently this is how it as been for me ever sense the accident they keep telling me due to the sign contract i have to keep paying until loan is complete they will not go after the insurance company progressive arcadia says that progressive is not responsible to pay off the balance that i am due to the signed contract we have ignored their phone call's & their letters we have told them our side of the story,still they continue to harass us because this accident was not my fault & i am being abused & threatned bye arcadia i had a good standing with them all up till the time of this accident but that is a thing of the past my credit is know runied due to the insurance company failing to settle within a link of time causing late fee's & more interest fees being added to the balance which is know $14,000 all i saw is if their is a class action lawsuit going on me & my grandfahter want it we do not need to let these scumbags what they did to us & are continueing to do to us get away with it.This has been a hard year for me they also have made it hard for my grandfahter & none of this was my fault the account is also on his credt files to & as also kepted him from getting anymore credit he recently tried to bye a new house for his heart condition & handicapped because he know as to use a wheel chair to get around & is suffering from diabetes & has been hosipitlized two times sense this accident from his condition & he is dealing with all this strees & mental anquise & he was turned down for this house loan because of arcadia account with past due amounts which they told him & arcadia is making him worse with threatning him with legal action bye threatning to take his house&property they can't do that due to my grandmother's name being on the house.Arcadia&their collection agency have abused my grandparent's bad the collection agency often mistreating&talking hateful toward my grandmother because she refuse's to let them speak to him due to his heart condition & due to this undue stress in dealing with this causing him to have a heart attack,we cannot pay arcadia due to this accident & are getting tired of the threats&abuse that we have suffered from them & are know threatning us with legal action if we do not pay & them letting progressive get off without paying for anything after their insured caused the accident&caused the totaling of my car..If their is anyone with advice or how to help me & my grandfather in this situation as we face legal action from arcadia please let me know because i have run out of options because we are unable to pay arcadia.
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#3 Consumer Comment

ARCADIA TRANSOUTH ABUSIVE EMPLOYEES RIGHTS HAVE BEEN VIOLATED

AUTHOR: Charles - (U.S.A.)

I to have dealt with the same problem with arcadia just like from the other complaint's i have read about them on this site me & my grandfather finance $14,000 for a 2000 hyundia elantra back in 2000 & have made payments ontime up until 09/03 & the balance on the car was still around $10,000 we were never going to pay of this loan any time soon due to their high interest rate's & i paid $300 ontime sense 2000 we did not how crooked arcadia was or abusive they were even was abusive toward us when we were making the payment's to the car i was everyone else desperate to have a car i was 18 at the time so i had no credit but it's ruined know due to this accident..I was involved in an auto accident one year ago on 09/12/03 caused by the other party and they caused the car to be totaled; their insurance company has already found them guilty for the cause of the wreck and now by law, when the other party is at fault for the wreck, their insurance has to pay off the loan. Well not in this case.

Arcadia says that they don't have to pay off the loan so therefore the insurance company hasn't done anything to settle anything. Arcadia keeps on saying that I had a signed contract with them and that I have to pay them even though the accident wasn't my fault.

That is much of a rip off like arcadia. They're a lot alike in my eyes. So therefore thanks to the insurance company won't do nothing and arcadia says they don't have to pay even though their insured was the cause of the accident. I still have to pay. It's just a pain. I am having a hard time finding a lawyer with this matter no thanks to the insruance company refusing to do anything.

My credit is messed up from a good credit rating I had with arcadia and now from getting the loan paid down, interest is starting to build up. This is totally unfair to me. The wreck wasn't my fault and arcadia still expects me to pay them and let the insurance off the hook. They keep saying the contract is with you not the insurance company. When someone destroys your property then they have to pay for it. Arcadia has completely ignored the problem with the insurance company and the accident which I was involved.

This whole deal of what arcadia and the insurance company is totally unfair to me. It's only fair that the insurance company pays off the car since it was caused by their insured. This whole thing has ruined my credit rating and I do not know what to do. Arcadia has recently threatened to take me to court to collect the balance that is owed. They're just ignoring the insurance company and still continue to harrasse me.

I agree with the other people. They are a rip off, abusive, threatening people and arcadia will go to the extremes to get you down. All the payments I have made to them they have not posted them to my credit file. They have not owned up to their end of the contract. They're a fraud company who should be put out of business . They're also a bunch of thieves. I would kindly like to say to people if you only going to be rude and ridcule me for what I had said about arcadia please do not respond to this to me. You're just like them, rude threatrning and abusive. So please if you're going to be like that don't respond. People have a lot of troubles then having to listen to people ridicule and abuse when they have been done just like i have been done when they are ripped off. They have a right to tell about it without being ridecule like I've seen people do on here.This as gone on for about a year know arcadia threatning & harassing us recently they have threatned to take legal action agaisnt me & my grandfather if we do not pay & also have to put up with their rude & hateful,abusive collection ontop of it the insurance company refuse's to pay for anything after their insured caused the accident & caused the totaling of my car & life has not been easy for me ever sense the accident having to deal with the harassing & ongoing threats from arcadia because we cannot pay them we do not have the extra money to pay them..The insurance company PROGRESSIVE accepted the responsibilty for their insured causing the accident but refuse's to pay off the car resulting after accepting the responsibilty (PROGRESSIVE) sent me a check in the amount of ($3334.00) for the repairs only when the body shop began the tear down they found more damange due to the electrical wires that ran the car had been cut & the body shop ceased all repair work,& contacted progressive when progressive went back to look at the car for damange to be totaled to $67000 due to extreme wire damange progressive just decides to total the car out..After,progressive totaled the car out i had to take the money progressive sent to me & purchase a new car arcadia did not like this at all they claim that this check was for the total loss of the car & they were pissed at me & have told me off about it this check was only for the (REPAIRS) ONLY not for the total loss of the car..I, had to quit paying arcadia due to this accident & having to purchase a new car due to all this mess & has harassed me & my grandfather consently this is how it as been for me ever sense the accident they keep telling me due to the sign contract i have to keep paying until loan is complete they will not go after the insurance company progressive arcadia says that progressive is not responsible to pay off the balance that i am due to the signed contract we have ignored their phone call's & their letters we have told them our side of the story,still they continue to harass us because this accident was not my fault & i am being abused & threatned bye arcadia i had a good standing with them all up till the time of this accident but that is a thing of the past my credit is know runied due to the insurance company failing to settle within a link of time causing late fee's & more interest fees being added to the balance which is know $14,000 all i saw is if their is a class action lawsuit going on me & my grandfahter want it we do not need to let these scumbags what they did to us & are continueing to do to us get away with it.This has been a hard year for me they also have made it hard for my grandfahter & none of this was my fault the account is also on his credt files to & as also kepted him from getting anymore credit he recently tried to bye a new house for his heart condition & handicapped because he know as to use a wheel chair to get around & is suffering from diabetes & has been hosipitlized two times sense this accident from his condition & he is dealing with all this strees & mental anquise & he was turned down for this house loan because of arcadia account with past due amounts which they told him & arcadia is making him worse with threatning him with legal action bye threatning to take his house&property they can't do that due to my grandmother's name being on the house.Arcadia&their collection agency have abused my grandparent's bad the collection agency often mistreating&talking hateful toward my grandmother because she refuse's to let them speak to him due to his heart condition & due to this undue stress in dealing with this causing him to have a heart attack,we cannot pay arcadia due to this accident & are getting tired of the threats&abuse that we have suffered from them & are know threatning us with legal action if we do not pay & them letting progressive get off without paying for anything after their insured caused the accident&caused the totaling of my car..If their is anyone with advice or how to help me & my grandfather in this situation as we face legal action from arcadia please let me know because i have run out of options because we are unable to pay arcadia.
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#4 Consumer Comment

ARCADIA TRANSOUTH ABUSIVE EMPLOYEES RIGHTS HAVE BEEN VIOLATED

AUTHOR: Charles - (U.S.A.)

I to have dealt with the same problem with arcadia just like from the other complaint's i have read about them on this site me & my grandfather finance $14,000 for a 2000 hyundia elantra back in 2000 & have made payments ontime up until 09/03 & the balance on the car was still around $10,000 we were never going to pay of this loan any time soon due to their high interest rate's & i paid $300 ontime sense 2000 we did not how crooked arcadia was or abusive they were even was abusive toward us when we were making the payment's to the car i was everyone else desperate to have a car i was 18 at the time so i had no credit but it's ruined know due to this accident..I was involved in an auto accident one year ago on 09/12/03 caused by the other party and they caused the car to be totaled; their insurance company has already found them guilty for the cause of the wreck and now by law, when the other party is at fault for the wreck, their insurance has to pay off the loan. Well not in this case.

Arcadia says that they don't have to pay off the loan so therefore the insurance company hasn't done anything to settle anything. Arcadia keeps on saying that I had a signed contract with them and that I have to pay them even though the accident wasn't my fault.

That is much of a rip off like arcadia. They're a lot alike in my eyes. So therefore thanks to the insurance company won't do nothing and arcadia says they don't have to pay even though their insured was the cause of the accident. I still have to pay. It's just a pain. I am having a hard time finding a lawyer with this matter no thanks to the insruance company refusing to do anything.

My credit is messed up from a good credit rating I had with arcadia and now from getting the loan paid down, interest is starting to build up. This is totally unfair to me. The wreck wasn't my fault and arcadia still expects me to pay them and let the insurance off the hook. They keep saying the contract is with you not the insurance company. When someone destroys your property then they have to pay for it. Arcadia has completely ignored the problem with the insurance company and the accident which I was involved.

This whole deal of what arcadia and the insurance company is totally unfair to me. It's only fair that the insurance company pays off the car since it was caused by their insured. This whole thing has ruined my credit rating and I do not know what to do. Arcadia has recently threatened to take me to court to collect the balance that is owed. They're just ignoring the insurance company and still continue to harrasse me.

I agree with the other people. They are a rip off, abusive, threatening people and arcadia will go to the extremes to get you down. All the payments I have made to them they have not posted them to my credit file. They have not owned up to their end of the contract. They're a fraud company who should be put out of business . They're also a bunch of thieves. I would kindly like to say to people if you only going to be rude and ridcule me for what I had said about arcadia please do not respond to this to me. You're just like them, rude threatrning and abusive. So please if you're going to be like that don't respond. People have a lot of troubles then having to listen to people ridicule and abuse when they have been done just like i have been done when they are ripped off. They have a right to tell about it without being ridecule like I've seen people do on here.This as gone on for about a year know arcadia threatning & harassing us recently they have threatned to take legal action agaisnt me & my grandfather if we do not pay & also have to put up with their rude & hateful,abusive collection ontop of it the insurance company refuse's to pay for anything after their insured caused the accident & caused the totaling of my car & life has not been easy for me ever sense the accident having to deal with the harassing & ongoing threats from arcadia because we cannot pay them we do not have the extra money to pay them..The insurance company PROGRESSIVE accepted the responsibilty for their insured causing the accident but refuse's to pay off the car resulting after accepting the responsibilty (PROGRESSIVE) sent me a check in the amount of ($3334.00) for the repairs only when the body shop began the tear down they found more damange due to the electrical wires that ran the car had been cut & the body shop ceased all repair work,& contacted progressive when progressive went back to look at the car for damange to be totaled to $67000 due to extreme wire damange progressive just decides to total the car out..After,progressive totaled the car out i had to take the money progressive sent to me & purchase a new car arcadia did not like this at all they claim that this check was for the total loss of the car & they were pissed at me & have told me off about it this check was only for the (REPAIRS) ONLY not for the total loss of the car..I, had to quit paying arcadia due to this accident & having to purchase a new car due to all this mess & has harassed me & my grandfather consently this is how it as been for me ever sense the accident they keep telling me due to the sign contract i have to keep paying until loan is complete they will not go after the insurance company progressive arcadia says that progressive is not responsible to pay off the balance that i am due to the signed contract we have ignored their phone call's & their letters we have told them our side of the story,still they continue to harass us because this accident was not my fault & i am being abused & threatned bye arcadia i had a good standing with them all up till the time of this accident but that is a thing of the past my credit is know runied due to the insurance company failing to settle within a link of time causing late fee's & more interest fees being added to the balance which is know $14,000 all i saw is if their is a class action lawsuit going on me & my grandfahter want it we do not need to let these scumbags what they did to us & are continueing to do to us get away with it.This has been a hard year for me they also have made it hard for my grandfahter & none of this was my fault the account is also on his credt files to & as also kepted him from getting anymore credit he recently tried to bye a new house for his heart condition & handicapped because he know as to use a wheel chair to get around & is suffering from diabetes & has been hosipitlized two times sense this accident from his condition & he is dealing with all this strees & mental anquise & he was turned down for this house loan because of arcadia account with past due amounts which they told him & arcadia is making him worse with threatning him with legal action bye threatning to take his house&property they can't do that due to my grandmother's name being on the house.Arcadia&their collection agency have abused my grandparent's bad the collection agency often mistreating&talking hateful toward my grandmother because she refuse's to let them speak to him due to his heart condition & due to this undue stress in dealing with this causing him to have a heart attack,we cannot pay arcadia due to this accident & are getting tired of the threats&abuse that we have suffered from them & are know threatning us with legal action if we do not pay & them letting progressive get off without paying for anything after their insured caused the accident&caused the totaling of my car..If their is anyone with advice or how to help me & my grandfather in this situation as we face legal action from arcadia please let me know because i have run out of options because we are unable to pay arcadia.
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#5 UPDATE EX-employee responds

LETS GET READY TO RUMBLE

AUTHOR: Regina - (U.S.A.)

Any one interested in a class action suit- please leave conmtact information. This company has had to file bankruptcy before due to shady practices. They have force several customers into javing to file- according to this site. Let's make them have to file AGAIN.
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