I WAS A LOYAL CUSTOMER OF A BANK THAT TD BANK TOOK OVER. THIS WAS ALL FINE UNTIL I HAD A ROUGH MONTH AND ASKED FOR A DEFERMENT ON MY AUTO LOAN, BY THE WAY I HAVE ALWAYS PAID IN FULL ON TIME FOR THE ENTIRE LOAN SO FAR (3 YEARS). THEY REP TOLD ME THAT THERE WAS A LOT OF PAPERWORK AND THIS WOULD BE A MODIFICATION OF MY LOAN AND HAD TO BE TREATED AS A LOAN MOD. THIS DIDNT MAKE SENSE. ALL. A DEFERMENT IS IS PLACING THAT PAYMENT AT THE REAR OF THE LOAN. THEY SAID WE WILL AFTER, AGAIN"A LOT OF PAPERWORK" IS COMPLETE WE WILL THEN DO A FULL... read full review »