Long story short, I sent a GW letter to Toyota’s executive office. Got a nice denial letter. However I failed to include the fact that when I called to make my payment I asked the representative if it would be okay for me to pay on the 13th (it would be 30 days late as of the 11th)...I was recovering from unpaid maternity leave. She said it would be fine, so she set up the payment. In my mind, that means there would be no penalty since the representative from Toyota said I would be okay! I have documentation that the phone call was placed on the 11th and the payment was taken on the 13th. Is it worth pursuing further?