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I told her what took place and that they need to pull the other part of my payment which was the $120.00 and apply it on my Balance..( because if you don't make a payment plus the $75.00 fee's they will charge you $150.00 the next due date plus what ever amount you can pay..So the Lady I spoke to me said that they couldn't apply the $125.00 towards my balance because it was to late..even though I email them back per Everest instructions..I told her so that's how you guys do business. She started laughing at me and said that there is nothing I can do about it..I will have to pay $150 plus what I can pay for that due date..I need some help. I'm going to call my Bank an let them know. but they need to be turned in..Please help me. Thanks once again Donna CHECK THIS SITEOUT. installment loans can improve your credit significantly if chosen and used correctly. Long terms loans report more readily to you actual credit report. 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