This company called me to lower my interest rate on my credit card, after speaking with Leo and being assured that this would cost me nothing I agreed. The same day after realising that they couldnt lower my rate Leo told me that the money they had charged to my card would be reimbursed to me through a cheque not having agreed to the charged i was shocked. I was then faxed a letter from Kiran Singh saying that in no way this was a fraudulent charge and as soon as i signed i would recieve a full refund with in 6 weeks. It has now been 6 monthes and i have recieved nothing and have been unable to contact Leo or Kiran, with numerous messages being unreturned. I contacted the Better Business Bureau and they could not help me as they could not contact this company due to disconnected numbers and again unreturned phone messages.