Public Motors is withholding refunds from a cancelled gap insurance policy that was cancelled over 4 months ago. They are also withholding the refund on the extended warranty (cancelled over 30 days ago). This dealership owes me $1, 604. Sally (Consumer Service Manager) is of no help. She sent me an email stating I would be paid in full after the first of the year. She claims the dealership is having financial difficulties. I'm afraid they will go out of business before I get my money. I cancelled the gap insurance on 8/26/09. Was told by Sally that they would refund me in 45 days. I asked about the refund on 12/7/09 and Sally replied with "because Public Motors is experiencing lack of funds your refund check will not be sent to WDS until begining of next year". Come to find out, they never submitted my gap policy to OwnerGuard. Public Motors has been holding on to my $595 since I purchased the car in early August. I should have been refunded on 8/26.