From the get go, initial phone call was a bit crass with Ron but I have fairly high tolerance if I'm going to save money in the long run. I guess I asked a few too many questions, who the lender was, what pre payment options I have etc etc. Ron mumbled a few derogatory phrases then hung up. Got a few prank calls from blocked numbers over next few weeks, can't pin it on Butler for sure, but from other reviews here I can't help but to think it was.