This is just BAD, You may have been going here for years for payday crunches and been verbally assured they would never call the required references of friends and family members and breach the confidentiality of your personal finances...but they will do it if there is a change in management as there has been and the day before the check is due.... they will make these calls . And you will notice they open at ten .Not at nine before the bank opens...the worse off your finances are the better for them. Don't get hooked into this convenient trap they'll eat you for breakfast if they can.