After my 120 month term, Vista stopped deducting payments as the should have. Then, 21 months later, started deducting payments again, and sent my account to credit collections for 21 months arrears. They stopped deducting the payments, thereby acknowledging the term was complete. Then they start again? This is fraud, and theft. I am getting bank records printed and going to the police. Stay away from Vista. They are scam artists and crooked.