Aqua Finance review: RV Loan

My RV was totaled in June and as of 6 September 2025 they have no paid it off per the terms and conditions of the loan!

PAYOFF PROTECTOR®: In the event the Collateral is damaged, destroyed, or stolen (“Loss”) and the insurer of the Collateral
has determined that it is a total loss under the terms of its insurance policy (“Total Loss”) and Borrower has provided
satisfactory written notice of the Total Loss to Lender, Lender agrees as follows:
AMOUNT WE WILL WAIVE: If EACH of the CONDITIONS of this provision are satisfied and none of the EXCLUSIONS apply, we will
waive the difference between your unpaid principal balance under this Note as of the date of the Loss and the entire insurance
settlement less:
(1) any past due payment amounts (even within a grace period) or extended payment amounts (unless expressly agreed to in writing by
us);
(2) any amount Borrower could otherwise have collected from any insurer through reasonable diligence; and
(3) any deductions the insurance company may make (such as prior damage, condition adjustment, or salvage retention value) when it
honors Borrower's claim (excluding the deductible amount).
Outstanding interest and fees as of the date of the Loss will not be waived under this provision.