I was not at all suprized to see so many complaints on this company - all sigting the same thing. I ordered a Bo-Flex system for my husband for Christmas 2005. The financing was handled by HC Processing (which was NOT my choice - it was secured by Bo-Flex). The problems started IMMEDIATELY!! The promotional period was low interest, low monthly payments of $39.00 My very first payment was never processed. I sent it, it never cleared my bank. Strange. The Collection calls began immediately. I assured the customer service rep that the payment had been sent. However, because they did not "receive" it - I was no longer eligable for the promotional finance rate or the low monthly payment amount. My interest rate shot up to 21.00% and my monthly payment nearly doubled to $69.00 and was charged a $39 late fee. I requested that because I did send my payment - that HC Processing please give me the benefit of the doubt and reinstate the promotional interest rate and monthly payment. They refused. So - my next payment was a whopping $101.00 with increased interest, late fee and increased monthly amount + previous monthly amount. I sent a check for $101.00. The collection calls continued. I assured them that the payment was sent. The collection calls continued. We were harrassed, bullied and threatened with legal action and credit reporting of this "bad debt". I was so angry that I went to the website and made an on-line payment of $101.00 with the intent to put a stop check on the $101 that was already in route. What do you know..... the check for $101 cleared my account THE SAME DAY that the collection call and online payment was made! That means that HC Processing HAD received my $101 check but made the call to collect anyway! I was furious! HC Processing refused to reimburse me the extra payment, only offered to "roll over" the payment to cover the next month. What about the extra money I asked? The regular payment was only $69 - I paid $101. Too bad. It goes toward the interest. My husband and I took out a home equity loan. Our loan officer called HC Processing for a payoff amount. The check was cut for that amount. We paid the account in full and then some if you count the double payment and wrongfully increased finance rate and monthly amount. Within 1 week of paying the account IN FULL - we got a bill showing the large payment of well over $2000 with a balance due of $174.xx!! What?? When contacted - HC Processing explained that the large payment we made was not the correct payoff amount - even though the figure was provided by them - and with finance fees and other -- we still owed an additional $174. I know believe that HC Processing did indeed receive my very first payment of $30.00 but probably shredded it because they make so much more money if they kick you off the promotional deal! They also fraudulently accepted a double payment. These people are criminals!! I have filed a complaint with the BBB of Arkansas but, you guessed it, HC Processing refuses to respond. BUYERS BEWARE!!! THE BO-FLEX IS NOT WORTH IT!! GO TO THE GYM!! HC PROCESSING WILL ROB YOU BLIND! THIS COMPANY MUST BE STOPPED!!!