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the act of SLS of incorrectly force placing an HO-6 insurance policy on my loan was an UNFAIR act in that 1 ) it caused me direct and substantial injury since my monthly payment immediately increase by {$1200.00} ( 77 % ) per month and I had to eventually get my own HO-6 policy which I was not required to obtain 2 ) it was not avoidable by me ; even though I attempted to resolve the matter with SLS prior to the force placement — Verdica Score: 798 (A) | Verdica