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I remember the nice note I got from them a few years ago that they had miscalculated my interest payments the first 9 years of my 10 year loan, and that I would have to pay 2X for the remaining year, or pay for an extra year at the same rate.
A scam? Who knows...I had them send me the amortization schedule for my entire loan, which was about an inch thick.
I figured if it was a scam, there would be a class action lawsuit.
-spence
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