At River City RV I traded in a 2012 Wildwood in June for a 2013 Heartland North Trail. River City was supposed to pay off the Wildwood effective immediately but it took them two months to do so. In the meantime I had to make two more payments on a trailer I didn't even own! I called River City and was assured me that I would be getting a full refund, so I wasn't too concerned about it. However when no check came I contacted their finance department and was told that ETHICALLY they felt they should send me the money, but according to the LAW they were not required to do so, so they weren't going to. They are unethical.