When inquiring for refinancing my mortgage, Loan Officer took upon himself to order appraisal of my house, although I did not sign any loan application papers. He did inform me over the phone that he was ordering the appraisal and I agreed. The house price came back too low and thus I did not go ahead with the loan application. The bank charged me the appraisal. Can I claim refund of this fee. Again, no loan application papers were signed by me and importatnly no signed form to authorize the appraisal.