If a payment estimate changes after Buyback Boss receives a device, the company notifies the customer via e-mail of the price change.

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In addition, borrowers would have to receive an estimate of when a mortgage will reset at a higher interest rate and an estimate of the resulting monthly payment.

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The average time from claim to inspection was almost eight days, then an average of 10 days after that for an estimate and another three days for a claim payment.

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They have discussed using some of the money raised for a one-off payment to the state, representing the bank's estimate of the present value of its future profits up to 2014, when the special dividend is due to be scrapped.

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If you agree with the state's estimate, you can have your refund (or payment) processed very quickly.

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