paid 698.95 to world class savings was told they could get me a guarantee lower rate. i filled out all the information and sent it back. several weeks later bryan bobbitt called and asked did i send it back that he has to fire most of his staff. He called several times and i told him it was sent back. he told me he was faxing another one and he would call on tue. to give me the fax number since they was moving that weekend. never heard another word i tired calling several times and go a answering machine which i left message after message asking to be called back never heard a word. i contacted the fla. better business buerea they contacted they never go a respond they sent a list of agencies that i could contact and that i did never heard from them either. the senior financial specialist is barbara j. speranza. the application say money back guarantee . thanks for you help.