Omega Debt had PDM International charge our credit card account $990.00 us for services to reduce our interest rate on our credit cards. After several months with not hearing back we called to find out they had done nothing.We requested a refund but Omega Debt said we had to call PDM Intl because they were the ones who took the money out of our credit account. The charge was on 02/08/08. We requested the refund with many calls from 11/07/08 when we were told we had to call PDM. We have called several times & have not received out money as of yet.