GE CAPITAL RETAIL BANK I have an interest free agreement with GE Capital to pay off $2,100 in furniture purchased from Bel Furniture in San Antonio, Texas in 2010. Made all monthly payment to $998.90 as of 10/12. I now rec Orlando, Florida

I made an intereest free agreement with Bel Furniture of San Antonio, Texas who brought me together in about June 2010 with their finance compnay, GE Captital, to finance $2,100 worth of furniture.  I paid the note monthly, usually  1-1/2 to twice what was owed, over the past 18 months. The amount due 10/31/12 was $998.95.  Today, 12/16/12 I received a 11/3/012 bill from GE Capital in the amount of $1,44070 which included "total interest due in 2012"  of $540.70.  This appears to be a scam.  I was never alerted to the eventuality of this this happening, that is unless the entire $2,100 was paid off by 11/30//12, a huge interest charge of nearly $550.00 would be levied, as it has.  The APR has increased to 29.99%.  This is very dirty buisiness.  Please help if you can.