2 YEARS AGO WE GAVE THEM A MORTAGE PAYMENT OF 23000 PLUS 900 FEE TO HELP US MODIFY OUR LOAN WITH OUR CURRENT BANK DUR TO HARDSHIP APRIL 2011 THE BANK OFFERED ONLY A TWO YEAR LOW INTERST RATE I PERSONALLY APPLIED FOR HARDSHIP AND I WAS GRANTED A ONE LOW INTEREST RATE I COULD OF DONE THAT MYSELF NOW THEY DONT WANT TO REFUND MY MONEY BACK.