I got scammed and I feel so stupid! A company called Bedford Financial Solutions called and said they could lower the interest rates on my mastercard and/or visa cards to as low as 11%. I have been trying so hard to get out of debt and it sounded so good to me.They checked my account balance and told me that for a fee they could reduce my interest. First they told me there was a one-time processing fee of $595, but I was not comfotable paying that anount, so the guy told me for a percentage every month they could help me out which would add up to approx $10 a month and it would come off my card, but it would balance out in the end with my lower interest. I gave them my mastercard number and that day they charged $627 to my account. I found that out a few days later and knew something was very wrong, I called back the company immediately and cancelled with them, they told me I would receive a full refund within 5-7 days. Just cancelling difficult, they kept trying to persuade me to stay with them, I kept getting put on hold and spoke to a number of people.I went back onto their site www.bedfordfinancialsolutions.com and it stated they are a U.S operated business and that the service is not avavilable outside of the United States. I callled them back again and spoke to several different people asking what was going on, cause I live in Canada. And it clearly stated that they do not market outside of the United States. These are the names I was given Anya Giay, Justin Elic, Jennifer Peters. Looking back everyhting seemed very shady...for example the accents didnt match with the names I was being given. The guy was east Indian or something and yet his name was Justin???  When I called in to cancel he answered "Customer Support" which seemed wierd as he didnt mention the business name at all.the number that showed up was a local number so that is why I believed it was ligit and the website looked real too. I got a cancellation number, cause my credit card company told me to get that at least in order to dispute the charge. It has been 3 weeks and I still have recieved my refund. I called them back yesterday and suddenly the numbers are either not in service or owned by a new company. The numbers are 1-+1 866-945-1131. The other number used was 1-(403) 648-9228 My credit card company is currently investigating my dispute and trying to get my money back for me, but I'm not too hopeful I will get it back. I typed in that website info today and the website cannot be found. I am warning you all, don't be scammed like I was, don't give out your credit card info over the phone!!!! I can't believe this happened to me cause I am a very cautious person, what a hard lesson I learned from this!

that number keeps on calling us several times before but i dont usually answer unknown callers, i tried to answer it this morning, an Indian sound guy is on the other line, calling from CCA (Credit Consumer Association), offering lower interest rates in mastercard and visa, they will gather credit card information ,(balance, credit limit etc), but im doutbful because of funny inconsistencies in their part:
1) guy 1 introduced himself as David Johnson , unusual name for an Indian
2) they realize that my credit is up to the limit, they ask me if I have another credit card that still have higher credit limit availabe, (Why do they care bout my other credit card with higher credit limit available?)
3) they ask me if i have debit card, and asking banking info of my debit card, funny, they are asking to lower interest rates of my credit card,is my debit card info has something to do with lower interest rates? crazy
4) lastly, they ask me to pay them $600 to have a good deal in lowering the rates, WHY SHOULD I? hehehehehe,before they hang up, one guy said they will send paper works of there offer even without asking our address
ITS SIMPLY A SCAM
DONT WONDER IF THEY WILL YOU AGAIN USING DIFFERENT NAME, COMPANY OR EVEN PHONE NUMBER

I got a call from them yesterday.  They said I one two trip because I passed 3000 point with my air miles.. He had a heavy accent and said his name was Robin Gibbs.  Sound convincing at first because it sounded like a busy call center and the phone number showed up on call display.. I gave him my birth date and code on back of my master card.. He then asked for the last 3 blocks of numbers of my mastercard. The first block is the same on all bank of Montreal mastercards.. That was not going to happen.. He also said that I would have to pay the tax for the trip $499.

Called, name of Matthew Brown, from France ( my a**) more like Indian, and how he can lower my interest rate, as soon as I started asking questions, he had no answers.

I just had the same phone call this morning! The man said he was from VISA and Mastercard (Since when did they team up). Anyway, he wanted to lower my interest rate to less than 5%, then asked me for a bunch or credit info like my current balances, credit limits and interest rate...and so on.  I just told him that if he actually worked for my credit card company he would have know all of those answers... He was getting very rude so I told him NO and hung up. He repeatedly called me back asking why I hung up!  Can you believe this guy!!

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.