Received call on May 20th, 2009 about interest rate drop and how this company could help me. I was told there would be a fee 0f 1, 295.00 to lower interest rates. They said they would send me paper work and that I had 5 days to return it. If they could not lower the rates I would receive a refund in full. I have not recieved the paper work. I've contacted them 3 times now asking for my money to be refunded and have been refused each time. They say they have sent the paper work by regular mail and then by UPS and I still have not received... read full review »