A man calling himself Ronnie Best called one evening saying he worked for a "government regulated organization" that offered Financial Protection Services to people that had more than 2 credit cards with interest rates above 13%. Went on to say this service was guaranteed to save me at "Least $4, 000.oo" by letting them negotiate with lenders for a much lower interest rate, as low as 3.9%. Said I would be completely debt free in 3 to 5 x's faster than if I left them as they were. Asked him wouldn't this type of thing hurt my credit?? Said "No Way! Instead it will help it because you will be paying things off faster!" Again told me about their guarantee of saving at least $4, oo.00 and if not would get a complete refund. He went as far as telling me my Credit Card Accounts and Numbers without me telling it to him first! I kept saying that we did not want to do this, we had good credit and did not want to risk messing it up. He insisted that he would be helping us, not hurting us. I finally asked him what did he get for doing this and he said $1, 895.00! I told him there was NO way we could pay that amount, we would just keep paying as we were. He asked if he could put me on hold, he did for several minutes. Then he came back and said "Congratulations, Mrs..., you have just qualified to the point that you will not have to pay 'any money out of pocket' for us to do this for you!!" I inquired as to why and he said it was because we DID have such good credit that we can offer you this program where it won't cost you a penny out of pocket. Sounded like to me he was offering the service to us free. I even put him on hold and told my husband what he said. I was on the phone with him until 11 O'Clock pm, three hours!! I was exhausted from telling him NO and listening to him talk me into changing my mind, so finally I said "Hay, if you can lower all my interest rates to around 3.0% go for it!" He was over joyed to have the opportunity to help us! He then said I would have to talk to a lady by the name of "Sonya" and she would do the 'verification' process, meaning she would go over everything he had told me and even told me that it was very IMPORTANT that I answered everything 'YES." I asked why and he said it was just a standard part of making sure he told me everything right. I listened to Sonya, and if I did not know what she was talking about I said so. She thanked me and said that "Ronnie" would be back with me in a moment. He came back on the phone and congratulated me again for letting them help us and then he blew me away!! He said, "While you were talking to Sonya I went a head and charged the $1, 895.00 to your M.C.! I said you what!! He repeated it and I hit the ceiling! I told him you said we did not have to put down any money out of pocket!! He said you aren't, it is put on your card and that will be coming off when we lower your interest rates!! I told him I did not give him the authority to do that and he said yes I did. This went back and forth for several minutes when I finally told him he would be turned over to fraud and I hung up on him. By then it was too late to call anyone so the next morning I called and found out that this was indeed a scam, that legitimate companies do not contact you and they do not have your account numbers and info. So I immediately called back the phone number that he had given me (all this with in 12 hrs.) but he was not available for me to talk with so I asked to speak to the manager, which a man got on the phone and I told him everything and said I demanded my card be refunded the $1, 895.00 and I was informed that they do not give refunds! I told him I knew everyone had a certain length of time to change their mind and if it was not taken off him and all his work mates would go down in a law suite. He hung up. I called my M.C. and started procedures for unauthorized charges, I was told then that the charge was not approved by the bank, that I did not have to worry about it. i was relieved, until I seen my statement and seen that the $1, 895.00 WAS APPLIED A COUPLE OF DAYS LATER!! I called and opened up a unauthorized charge after giving them a piece of my mind, but they took it off and re-applied it 3 or 4 times, the last time right after I had all but paid them off thru a lower interest rate loan!! I am still battling this after 9 months!!! BEWARE OF ANYTHING OR ANYONE THAT CONTACTS YOU LIKE THIS!!! I DESPERATELY NEED HELP!! Michelle