PDM, "Priority Direct Marketing" or "Financial Services" will have some outside sales agency call you telling you they can drastically lower your interest rates. Sounds good right? But, once they have you sold on taking their "assistance" they hit you up for $990 but give you this verbal garuntee they will lower your interest 3 times that amount or your money back.By that time you think what the heck, lets try this, its got to be better than paying high interst rate. You sign up, and then they go into hiding. Suddenly their phones dont work. They wont answer the phone and will not return your calls. They have your money and you have nothing but a phone number that does not get anyone. If you are very persistent you may end up getting someone on the line but by that time they tell you its too late to cancel. Then after much more persistency and several weeks of struggling phone calls and unanswered messages someone will finally grant you release but you will lose $199. Then after another two the three weeks of negotiations and pleading they will tell you that you will get a full refund but it will take about 3 weeks. Three weeks later, you will make more phone calls with no answer or returned messages. Once you finally get a hold of someone they will give you the run around and tell you its in process. 2-3 weeks later, if you lucky and very persistent, you might get your money back. Dont fall for the scam. I dont think they have any intention of providing a interest reduction service. Its all about selling you blue sky then keeping the non-refundable amount once your realize you have been scammed!
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