Enerbank USA Completely Unprofessional, Out to rip off anyone they can. Salt Lake City, Utah

I recently purchased a solar water heater from a company that used complete deceptive methods into having me finance a loan for the equipment.  It was a loan that could be paid off in cash after the first 12 months.  I had no idea of the terms of the loan, because the finance company "Enerbank" never contacted me untill after the 12 months.  I started paying the loan by sending them a check for $1000., which at the time the payments were only $150.  They cashed the check for $1000.

and didnt contact me for another 7 months.  They stated the the $1000. was put towards the interest the loan would accrue for that year.  There would be $0 taken off the principle and I would have to continue to make interest payments each month.  When I told them I wanted to pay off some of the balance of the principle, they told me I would have to send them more than the interest payment, and also state that the additional would go to the principle. 

If I didnt state that, any additional monies would go towards future interest.  I started out with a loan of about $6000. and my loan is now $7000.  I have made all my payments on time, but they continue to say that my payments are late.  When I told them I can afford to pay them interest for the rest of my life, they said, "then you should have thought about when you took out the loan".  I told the guy that I have children and dont make much money and that my children come first. 

He said and I quote, "maybe you should have thought about not having children, and its not his problem and that the loan should come before feeding my kids".  The company is completely unprofessional, and I truly believe they are ripping people off intentionally.  They should not be allowed to operate and I am sure if they were investigated they would be shut down.