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My contract was up, and I had to switch companies as Pembridge couldn't offer the type of insurance I needed anymore. I had paid off all outstanding payments. 3 months later I received a letter saying it was final notice (this was the first and only letter I received from them) and that my overdue amount was about to go to collections. I spoke with numerous people and they all said the overdue amount was because I didn't finish my contract. Each time the teller would say they needed to call me back because there was no description as to why I owed money. After talking to finance, they would come back and say it's because I broke the contract. Which I didn't. And had a proof. They refused to do anything and I was FORCED to pay them money I didn't owe, or else they were sending it to collections. SUPER SLIMY!