Hi I'm not very good about Emi's, I m an old school guy ( high Street banks lover ). My only first and bad experience is with Leopay/satabank. Through this useful forum , I begun to show interests on Emi, and more particularly on Mistertango. Actually taking step back , with the new threads and notes on trustpilot. Anyway, I was just thinking, in fact all those Emi's work well let's say the first-second year and then , everything is falling , Am I right?