Thought I would get an e-mail on response to this...
Understood. I did send in the letter to cancel the account; they are saying they can still charge me monthly fees as I still owe them money. And I am being charged more than the 5% on the late fees, can they do this as my contract states "If we receive payment more than ten(10) days after it is due, we may charge you a late charge of five percent (5%) of the payment or five dollars ($5.00) whichever is less.".

