On January 26 2010 I purchased a vehicle service agreement from EFG Companies. I agreed to pay a deposit of $160 and agreed to pay the balance by monthly installment. I was given 30 days to review and/or cancel the contract for a full refund minus $25 processing fees. On February 23, I contacted the company and notified them that I wanted to cancel the contract. I then signed the cancellation notice per the contract same day and put it and a check for $25 in the mail. On February 26, 2010 my account was charged the monthly installment of $140.75. I disputed the amount with the company. They told me I had not sent them the correct forms. I told them I sent exactly what was included in the contract packet they sent me. They then sent me an additional form to fill out which I did. In March they sent me a letter and returned my check. The letter stated they were in receipt of the cancellation and indicated I should contact my financial institution whom they had told they would work something out with me and that they would issue the credit. Per the direction of EFG and MEPCO or DP Warranty my credit card company was asked to again charge my account and stated to my credit card company (USAA) that they would work something out with me. I waited to hear from them and when I did not hear from them I initiated contact. On EFG stationary they told USAA in letter that I signed the cancellation form which officially cancels the account but went on to state the dispute is not valid and that without proper paperwork they are unable to cancel an account. They went on to state in their letter to USAA that I am owed a refund minus the processing fee and that that it will be credited back to my account after the dispute is settled. They never settled the dispute and I was never issued a refund! Brian Maloney Customer Service Manager at MEPCO phone 714-361-8437 signed a letter to USAA on April 1, 2010; Joey Cavallaro sent me the additional form on March 18th which I faxed back to him. Absolute Auto Protection (EFC Companies) sent me a letter on March 24, 2010 from Client Services stating the cancellation was processed. I’ve also spoken to Lilly (fax #866-765-9099) on May 14th and faxed info to her on May 15th and other customer service representatives from EFG.