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Hi experts. I need your advice. Before pay 3%, I have called the agency to verify the agent that I am dealing with and ask regarding refund process. The agency mentioned that they may require rejection letter, it could be 3 or 5 or other quantity (which must be discussed with the agent). Meanwhile, when discussing with agent, he said he don't need rejection letter. Now, the banker (my friend) asked for extra time for him to process the loan as many staffs from the department was on leave due to flood. Unfortunately, agent does not give extra time and he said he already inform to his agency to refund. I have repetitively asked if he really don't need rejection letter and he is very sure about this. What is your advice on this matter? I am afraid if I might loss the 3% that I paid.

Appreciate your advice and thanks in advance.
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