i was a victim of IVY CAPITAL FLS SYSTEMS LEARNING, but i just got of the phone with the resolutions department, i recorded the entire conversation, it took a full hour, and all of it consisted of him trying to persuade me to stay in, even after i voiced all of my complaints, it has him calling me stupid for reading complaints on the internet, it even has statements of him saying i can easily make 200, 000, best of all i have him recorded saying they will refund the money within 3 days, if they don't im thinking of going to the police and submitting the recording and all the other correspondence, if anyone wants to hear the recording to decide whether this company is a scam please leave a comment on this. i will email you the recording. Best of luck to everyone, my advice is to record these bastards when they call, of course don't tell them, collect as much evidence as possible, it should also help with the credit card dispute when you start that with your credit card company.

God Bless and good luck