ok, so I'm just learning about this right now. so we are paying 3% more a month for payments to be done on the 18th? the question I need to understand is why am I getting this on the 18th and I never agreed, tried to make this happen my self, and it's being done on the 18th? am I being ripped 3% just because they feel like it? if that's the case I'm out of Freedom because this is messed up.