And if you dispute it, you still have to pay the penalty first before you can pay any of the outstanding loan amount, allowing them to hold the funds and determine, with your funds in their hands, whether or now the dispute is valid. Imagine 9 out of 10 times what that will result in.<p>Once you&#x27;ve lost control of the money, you&#x27;ve lost the dispute. The money is the only leverage you have in the dispute.