I was contacted by phone late Thursday afternoon and gave my credit card number for what sounded like a legitimate business proposition.

When I checked into the company it was obvious that what I had agreed to was not what they had stated so I called back the next day to cancel but was unable to reach them until Monday.

The person I spoke to said that he would terminate the agreement and I would get a refund.

When I called the next day to the service number I had been given to confirm the cancellation they said they had no record of it and would get back to me in 48 hours.

When they didn't call back in 48 hours I tried again to reach them they said again that they would get back to me.

They finally called back on the following Monday and they said that I had agreed to their no refund policy and I would not get a refund unless I advertised for a year.

I had not opened the package they sent me and said I would return it unopened to which he stated that they didn't want it back and it wouldn't make any difference.

The package contained a few cards, a CD training manual, an invoice (with a copy) from a different company(United Business Solutions - different address too) showing a payment of $350. requesting a signature agreeing to no refund under any circumstances and an affiliate agreement with terms and conditions that I had not agreed to.

I had stated in the original phone conversation that I agreed only if everything that they told me was true and was given the impression that only after I reviewed the material they sent and signed the invoice and returned it that the contract would be binding.

I called several times to the sales department that had originally called me and spoke to several different people who stated that they would look into it and see if they could do anything but nothing ever happened.

No ethical, reputable company would operate in such a manner and have a nonrefundable policy.

I am filing a dispute with my credit card company and a complaint to the Better business Bureau and to the Attorney General's Office in Washington State.

What an ordeal.