I went to Ilene direct to get my car refinanced my payoff on my car was $20923.00 that is what they paid flagship on my car and once they refinanced it with a lower rate my loan went up to $27,131.00 no one can tell me why it went up over $7,000.00 but I am getting me a lawyer today watch them and never sign electronic papers over the phone people today the guys name I dealt with was Travis beware I don't want this to ever happen to anyone and if you have had something refinanced you better look over your papers and start to hire you a laywer