This company is a big SCAM; I wish there was a way to make this people responsible for what they are doing.After what took forever, they finally gave me some details I insisted on,  in order to continue with the conversation. I demanded to know what their offer was; well, a lower than  6% interest rate on any visa or master card on my possession for life, at the cost of more than $400 (don't recall the exact amount).It sounded as a scam so I said "no thank you, I am not interested in your offer and do not make any changes or charge any monies to my credit cards 'cause I do not want it! thank you, bye" and I hanged up.Two seconds later another call, I did not answer.Then, again, so I answered. The person (same man with an Indian accent) on the other side asked me why I hanged up on him, I said I did tell you I was not interested, so please do not call again, so he says, yes I will call again, so I got mad and first I asked for his name but he wouldn't tell me; then, I asked him to let me talk to a supervisor and he replied that he was the supervisor, so I said , "listen  you  a..h..e, DO NOT CALL me again or I will accuse you of harrasing me and I hang up.He called again, and again, so I picked up the phone and asked him what was the name of his company to which he replied, F..K OFF and I hang up again.Someone has to stop these people, I can see as someone who does not recognizes the scam can fall for their lines. I tried calling the number but the call won't even go through.That was my very bad experience with the people behind this phone number: 1-(905) 595-8640, originated in the area of Brampton/Mississauga, in Ontario, Canada.I hope this can help someone else from falling for this scam.

(905) 595-8640
If you are in Canada, You can report here: https://www.lnnte-dncl.gc.ca/index-eng.

RE: CALLS FROM  (905) 595-8640DO NOT GIVE ANY INFORMATION TO THESE PEOPLE!!!! THIS IS A SCAM!!!REPORT THESE CALLS TO RECOL:PHONE 1-+1 888-495-8501, OR YOU CAN CONTACT on the web at www.recol.comthis is a government anti fraud sight who supply info on these scams.If you do receive these calls to lower your interest rates, get as much info from them, but DO NOT give  them any PERSONAL OR CREDIT CARD INFORMATION. Record the time and date of the incoming call and a name if you can get one. Then call antifraud immediately and report it.

It's been a while since they called in, still the same Indian person. Strangely he offers to reduce rates for Visa and Mastercards credit cards.

sorry guys, i entered the wrong website to go to......
the correct antifraud website is www.recol.ca

Adding to Message from 'cw' - These calls from (905) 595-8640 (Brampton, Ontario, Canada) and (905) 346-4828 (St. Catharines-Thorold, Ontario, Canada) - both Unpublished Landlines.NOTE:  They have been calling weekly for past six months or so; started at least during summer of 2009...Last call on Saturday, February 27, 2010.  Other calls from 1.+1 800-375-5872 (again, unable to locate on Internet--unpublished).ALSO NOTE:  These callers are very insistent, persistent and difficult to get off the phone. They pretend they know you but ask for your Card # (or at least the 'last 3 digits'); likewise, they try to get your Social Insurance Number in the same manner, and ask for your birthdate.URGENT WARNING:  BE VERY CAUTIOUS--NEVER GIVE OUT ANY PERSONAL INFORMATION OVER THE TELEPHONE.  ANOTHER CAUTION--DO NOT give personal information Over the INTERNET either.  If a caller claims to be from a Bank or a Credit Card company, hang up and call your own branch to verify if your bank is soliciting this type of business (such as protecting your credit card interest rates, or reduce them).TWO YEARS AGO, I had a caller (about 9:30 P.M.) call me (supposedly from the Scotiabank)...I traced the number at that time to a Scotiabank Building, in Toronto, Ontario, Canada (BUT the Scotiabank NO LONGER used that building for any type of branch or credit card business...so, the building ONLY HAD THE NAME OF THE  Scotiabank on that building.  THESE PEOPLE ARE VERY INTELLIGENT AND CREATIVE in the way they are trying to scam people.AGAIN, BE AWARE...If anyone asks for any personal information about you, BE SURE TO HANG UP...STOP THE CALL IMMEDIATELY...give no information to them.  DO NOT BE Duped.  Protect your identity BECAUSE NO ONE ELSE will.  May you all receive discernment in this area.  ALL THE BEST.