how about this...

I have a car loan in CBQ for 60 months repayment period, and it's written in the contract. I don't have any defernment, then I am very upset when I checked the details of my loan and found out that they add 5 more repayment months, for a total of 65 months!

When we checked it to CBQ, they just told us "that your loan is under variable rate"...