Just had my secnd encounter with Tower Loans. I caaled them on 10/07/2009 to find out when my payment was due, they do not send out statments, and was told Oct. 28,2009. Next day I got a letter stating my payment was late. Told rep what had happened the day before and his words were" who ever said that did not know what they were doing." He then tried to convince me I only had to pay $ 6?.00 a month to pay it off in 24 months. I told him I was going to pay it off in 12 monthe so I would not have finance charges. Of course if I do not go in today and pay it I will have charges. Needless to say I will never do business with them again.