A thousand tales of woe like this on FT.

Rules 1-3 of VDB are that it's a bargain. But, you also need to understand that out-of-sight is out mind.

Do not leave the CSR handling your VDB without the paperwork in hand, particularly if you are VDB online where the GA could clearly have printed the new BP. As soon as you walk away, it's a he said/she said and you're gonna lose.