Application process was fine. W/in first 6 months. This month they took payment twice, eletronically (through account transfers). Fully acknowledge that they've taken two payments - see the money on their books. Have had both payments for over 7 days. Refund procedure? They insist i send them a screen shot of my bank account! To prove the money has been transferred. What? Are you kidding me? Why don't i send all my bank account info to a Nigerian prince while we're at it ?!?!? And then, if i comply with their ridiculousness and they accept it, they will mail me a check. Yea, snail mail.