I need the experts to give their opinion on this.

If a merchant funded by a stacking funder that actually knew that they were funding a 3rd position or 4th position asks for a reprieve about a month in (before a full month of payments are made) and then that stacking funder doesn't do anything about it for another month and a half; leaving the ISO out of the loop the whole time, should that ISO have to pay back the commission almost 3 months later?

Let me hear your opinions.

Thanks.