Do not ever call IVY Capital or a bogus name ICI. They will rip you off like they have done many many people across the USA. The have scammed people from 2 to 20 thousand dollars and caused people to even lose their homes through mortgages after cleaning them out of everything they have worked for their whole life. They target the weak and needy. They have no conscience. The FCT and the BBB are on their tail with some attorney generals. The clowns need to be behind bars for a long time. Don't be a sucker! Stay clear of these vultures and DO NOT GIVE THEM A CHANCE WITH A CREDIT CARD NUMBER or you can forget getting your money back from their bogus names and fake telephone numbers that they use to screw you. Just pull IVY capital up or Shawn Casey up, the man behind such bull and do some reseach on these clowns on the internet and you will confirm my definite opinions!