The very same thing happened to me on March 21, 2012. Rep showing up without cell phone and having to use mine; said VA highly recommendes; I have to make the decision TODAY, said it was a fixed rate at the beginning on the phone to get their foot in my door after I said I will not entertain anything but a fixed rate; ask for (almost demanding) a check, or to put $1672.00 on my credit card immediately to reserve. They started the process without my agreement to to refinance, etc. This is one crazy organization. The federal government needs to look into. I have an email in to the Veterans Administration to see if they are as valid as they say. They talk as if they are the VA.