RefTown says my account is locked when I try to login.

This happens when there are too many attempts to log into your account with an incorrect password. When there are more than 5 login attempts in a row with an incorrect password, the account will be locked. When your account is locked, you will not be able to access the account for 30 minutes. You should request that your password be sent to you and try again once you have received your correct password and have waited 30 minutes after your last unsuccessful try.