Dell Finacial Services Rip-Off

[Angelox]

Well, I told the Dell operator I knew she would not be able to help me, but I promised I'd do my very best to expose them over the internet.
A couple of years ago, my older daughter had a PC, but would not run Vanguard - well she *had* to play Vanguard, called Dell for a better PC, and applied for credit. Her credit was declined, I felt bad since I never give her anything (never had the money to) I knew I had credit, so I took over the credit and got it in my name - the PC cost about 1500.00 (extra special PC for Vanguard); this was extremly dumb-assed on my part, because I could build what she got for less than half that price. Anyways, she got it and I started my payments. The first year went by not too bad, it went down to about 1,100.00 (outrageous finance charges? this story isn't over yet!).
The following year, my younger daughter's laptop was getting too slow for all the new stuff out, I was lazy to build something (and broke still), and that extra 400.00 credit at Dell looked like a T-Bone steak . I got her a 64 bit case (no monitor), 1 gig mem and a few other odds and ends, for about 400.00: My credit-debit went up to around 1500.00 again.
My payment were about 45.00 a month for 1500.00. I still have all "tube" monitors in the house, and really would like to buy some flat or quartz ones. I figured, if I payed extra, I would maybe have over 500.00 for that in a year.
So I started paying 50-60.00 montly payments; I've since started working, and little time to follow these idiots, but today I looked at my statement and here's what it said: Balance: 1,548.81, Finance charges: 39.45, New Balance: 1,564.07, Min amount Payment: 47.00.
I still owe them more than what I originally owed them ( I didn't owe them over 1500.00), and have been making payments to them of 50-60.00 a month for a year! I gave them over 600.00 last year, nothing went to the loan.
Somewhere along the line, they tacked on a 30% interest rate; this is more than even the worst credit card sharks, worst I've ever seen.
I have decent credit, so tommorrow I'll go down to the bank, make a loan, and pay the bastards off.
When will Iever learn that credit is for the birds?