I spoke with XXXX XXXX who called on XXXX/XXXX/15 stating that Mariner Finance did not receive a payment and asking if we would like to make a payment over the phone. I then replied no, we had just received the payment booklet earlier this week and the check was mailed out yesterday. XXXX then responded that we were in default and if we did not pay today by phone ( which she later changed to Monday XXXX/XXXX/15 ) we would lose our 0 % 1 year interest rate and be charged the default rate of 24 %. However, our contract signed states that we would be in default if not paid by 15 days after the due date ( being XXXX/XXXX/15 ). I then explained that we were fully aware of our consumer rights and would pursue legal action if needed. XXXX stated " That 's perfectly fine with me. '' 
