middleton heating & Air Inc commercial loan.....first one was for 10 months........told us we would be moved into a more competitive loan after we established payment history. Paid loan down to about 20K, contacted them about something longer term with addtional need of 75 K. We expected to pay this off early, which we did.......we paid off in less than 90days on a 14 month loan........we recieved no discount. Took over 3 weeks to get a payoff amount, the whole time they still hit our account daily for payments, we recieved about a 400.00 dollar discount which total theivery. Never spoke about interest rate or ammortization schedule. took their paperwork to my bank and they said is was not a legal document in Virginia. They cost us about 40K in my opinion of stolen money, WOuld an attorney in California to look at this. mechanicsville Virginia