I really don't blame money mutal for anything, they did what they are supposed to do; set you up with different lenders and the lenders decide on how much to lend to you (I knew this going in, I blame myself for letting myself get into such a predicament).
Now I have paid back what I borrow and then some. So the way I look at it, is the debt has been paid back in full and I was never late on a payment. So why do I need to pay you more than what I borrowed if I paid on time. My advice to anyone is to look at your options and weigh them carefully before getting involve with money mutal or any payday loan place.