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Right to dispute notice not received. went to a XXXX presentation found out was a scam tried to cancel with in the 30 day period XXXX office disconnected there phone and doors were closed we tried multiple times to get Monterey financial to cancel but keep telling me to get a letter from a company that left for good we did write letters and it was returned we told Monterey all this and there are still threating us to pay for this scam that they refuse to cancel