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They were probably too tight to pay for the interstate phone calls :D (although they would have passed the cost onto you with a hefty loading, wouldn't they?).

I don't believe this to be the case. My understanding is that if you have a finance clause in the contract, your have that amount of time to advise that the finance HAS NOT been approved. Same with the pest and building clause. In other words, if you sign a contract with ten days...