I settled my finance but they still owed me money due to a DD going out in between settling the agreement and final settlement letter which I was fine with assuming it would be refunded promptly. However after a couple of weeks I had not heard anything so I requested a refund - now 4th time of asking still no refund ! If it was the other way round and I was late with a payment they would be threatening me with default notices and hounding me with a barrage of phone calls. Bunch of pirates.
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