They had a really good sales pitch, that hyped a money back guarantee. Forget it. They will always find an excuse not to refund your money.

"I just secured you a 2% loan. Start making new payments immediately." Forget it. The bank had no record. Of course NLR continued to say that the bank had poor communications and record keeping.

We are assured of getting you a principle balance reduction. Wait - you already paid $3500? Oh, well, the principle balance never changes. There must be a mix up somewhere - sorry.

Forensic audit? Yeah, we found an error of 0.0015%. We can work with that!

Let me name names: Charlie Stevens, George Acosta, Carter Lewis, John Springer. They will be happy to tell you anything that sounds good at the moment.