When is time for them to give you a refund? They think they got the right to hold your money as long as they want to. I had a real bad experience with customer service not being able to speak real, good English and being rude. When you talk to them and they keep hanging out on you. So this company needs a lot of work to improve. If I ever get along through them and I will give them a better review with my friends not to ever refinance with Exeter
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