Mariner Finance Virginia Total Ripoff Internet, Internet

My wife and I purchased furniture from Value City Furniture.The total cost of the furniture was around $1,900.  So they offered us a 3 months interest freeloan. We purchased the furniture in November and didn’t receive any bills orstatements from the company. So I called them and I was told that they haven’tprocessed the loan yet, and that I shouldn’t be worried, once they process theloan I will get a bill.I finally received a call from Mariner Finance on December15 telling me that they have my loan, and that my first payment will be due onDecember 24th, which happens to be a Friday. They told me that they will send me a payment coupon soon.I did not receive a payment coupon until December 30, 2010.I called them on that day to ask them how they would expect me to pay a bill I received after due date, but of course, their office was closed.So I mailed them a $500 check on January 1st that cleared my account on January 6th, 2011. Later that month, my wife mailed them another check in the amount of $700. Then on January 28th, I wrote them another check in the amount of $300. So, yesterday I called them to pay off the remaining balance which was supposed to be $400 or so. And they are telling me that my balance is $580. They have charged me over $100 for making a late payment. And the lady I spoke with was telling me that, “It is an unfortunate situation,but I should be glad they haven’t charged me additional interest, but just for the period of time that I was late on my payment (why would you charge me interest on an interest free loan which we made $1500 in less than two months?). She also told me that I was called on December 15 to be reminded that my first paymentwill be due on December 24, and that they sent me a bill on December 18th,which happens to be a “SATURDAY.”I think this is a total rip-off.  The only reason they called me on the 15 was to cover their a**es, and then sending me a bill after due day. And who would you charge interest on a “Three months interest free (like cash) contract? I called Value City Furniture to ask for a copy of my contract. I will review my contract and willing to take them to court.