Company promised to reduce credit card debt by $4000 or full refund. Tried unsuccessfully to lower interest rates which was the only way to reduce my debt since I always pay as much as I can over the minimum balance unless it is all I can manage that month. They sent me a spreadsheet showing that if I maintain the current minimum payment instead of reducing it as the minimum goes down my debt will be paid 12 years sooner at a savings of >$4000. For this they charged $800 to my credit card and are refusing to refund the money since they said they have given me a plan which provides savings. I repeated told them that if my interest rates could not be reduced i would be seeking a refund and was repeatedly told they always reduce interest rates.