Wow, what a bunch of hype this movie had and then finally to see it.. it's a joke. Don't get me wrong- this is watchable but it's a dumb girls version of a horror movie- not any real contribution to occult or horror genre in any way shape or form. PLOT: Our heroine is a loan seller at a bank and doesn't give a particular person a renewal on their loan so they seek revenge in the form of something evil that will drag her to hell. The scenes are light on gore and blood and tend towards shock via editing instead of content. This is why I call this a girl's horror movie- there's nothing really horrific or scary to report- just about 10 gotchya scenes using editing.. which.. is lame in many ways. I would have liked to seen a hotter actress with more penchant for brutal gore, and a demon worth seeing. The special effect on this movie are about on par with Stephen King's Poltergeist.. they are a bit behind the curve on script writing and special effects, with casting that could be improved- but then... it would be a real horror film and not just one for girls. This is a relatively fun movie but it doesn't stand up to any close scrutiny.. it's a bit of a joke really.