I want to thank everyone who posted. Just today, I got a cold call from CPN, also telling me that I am low risk and they can give me better rates then I already have. They pushed to have a salesman come visit me tomorrow. I stated that I would need to see more information from them and wanted to compare the rates that I have, before I agree to meet with them. I was told that they cannot quote any rates without a salesman visit but that they were better then my current rates. I tried to decline, but he kept insisting that someone would be here... read full review »