Well I went to NAC last May, and cant really fault it.
You say they are taking your money off you, well infact most businesses you go to will do that, its just a fact you have to accept.
NAC never asked me for my money once, infact I went into the red on my account with them by $470 and they never even told me.
The only complaint I have with them is that the vending machine does get low on stock sometimes, but everything else is good.
Im planning on returning next May to do my IMC rating