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One last question: does the 45 day time window for refund apply even if the contract says they have to refund within 20 days (I only ask because the 45 day window would include the first installment of the loan on Feb 11 and I'm thinking about blocking the payment through my bank)? And are they required to inform me if anything is missing in the recission package? I really appreciate all your help. We have been extremely anxious and feeling scammed regarding this situation so it's nice to know this is very doable. Happy new year to you too!