Motor Vehicle Solutions is an inbound call center. No outbound calling, no preying on anyone. They are not affiliated with GM and are under strict compliance with the Vehicle Protection Association. As a company, hanging up on customers is strictly forbidden. So we apologize if this happened to you. We constantly monitor our employees to be sure they are following compliance. As for the refund, Motor Vehicle Solutions refunds all policies due a refund, within a 14 day time frame. Cancellations within the first 30 days are due a full refund, however, under certain policies, you are sent a product, the refund is generated with the return of the product sent. I suggest calling the company again, and let them review it with you, and ask for the customer service manager when you do.