this company takes the 25.00 fee and you dont hear from them again..there live chat isnt live..i left many e-mails for them with no response so finally i contacted the bbb and they told me they have many complaints against this company who goes by other names as well so i got ahold of my bank and thank god they gave me my 25.00 back and is also looking into the company. i went back onto that site and in big letter told them i contacted the bbb with that i got an e-mail from them with the formal application i was to fill out and send it back to... read full review »