Cash Call Sneaky Charges Fountain Valley California

Wow.... Its amazing how sneaky cc really is. I got a loan from cc 3 years ago well I have paid them what I borrowed but for some reason my account shows that I still owe what I borrowed. Is that sad or what. Anyhow my report is for the fact that a little over a year ago my husband lost work and we ended up living in a tent. We went for 2 months without making a payment (we didn't have the money) when my husband started working and we got a home again we started making payments again. Off course they asked for our new bank account since we closed the one they had on file due to a state move, I explained that I would be paying them thru moneygram. They said no problem. Well I have been unable to make the payment on the 1st of the month but send it out on the 15th. Now I have spoke to a rep every month about this payment (you know they start making those calls on the day after you miss your payment date) I was informed of the late fee, that I do include but for some reason they did not inform me until this last month that I was incuring a 3-5 dollar charge every day past the due date. Now I don't believe that was ever made in writting and I am a little upset that it took them over a year to tell me this. This is almost a hundred dollars added to my contract along with a 15 - 10 dollar late charge that seems to be different every month. What in the world is this all about and is this legal.

Leopold
spokane valley, Washington
U.S.A.