On June 18, 2005, I purchased a new 2005 Saturn Vue automobile from the Saturn of Beaverton (Oregon) dealership. As part of the sales price, I bought a vehicle service contract from Signet Financial Group of Vacaville, California, with a purchase price of $2335 and a term of 72 months. The service contract was strongly recommended by the sales representative of Saturn of Beaverton, who sold me the car, as well as the Saturn of Beaverton finance manager. Their arguments were similar to this: “How can you lose? If you don't have any claims against the service contract, you will receive a full refund from Signet at the end of the 72 months.” During the 72 months, I made no claims against the contract. Therefore, according to the promise made by Signet, we should now receive a refund of $2335. On June 20, 2011, I sent a certified letter to Signet at the address on our contract requesting the refund. Two weeks later, the post office returned the letter unopened with the notation “Signet Financial Group, box closed, unable to forward, return to sender.” From a recent search on the Internet, I found that in 2001, the Insurance Commissioner of the State of California issued an “Order to Show Cause” to Signet Capital Corporation, d.b.a. Signet Financial Group, for business activities similar to what I encountered. I was not advised by Saturn of Beaverton of the possibility that Signet might not fulfill the conditions in their contracts. Since Signet apparently sold service contracts that they were unable to support, and Saturn of Beaverton did not warn me about Signet defaulting on their contracts, I believe both organizations should be investigated for fraud. On request, I can provide information for a criminal investigation or a class-action suit against Signet.