I made the mistake 2 years ago and took out $9000.00 personal loan to pay off creditors. Last April I asked for lower payments due to job change and was put on a 6 month payment reduction plan. This expires 12/1/09.. Friday they said they were going to see if I could be approved to get another payment reduction. Today they called and said yes, I qualified but they "need to get my signature on the loan approval immediately because the window for the approval may expire" They faxed me the paperwork and I was like, well I want to take it home and look over it... they are insisting I have to get it back to them immediately. There has got to be a catch somewhere... I am just missing it.. Has anyone else had experience with Citifinancial and these deferment or payment reduction programs on loans?