I had the same crap call from (905) 595-8640 for lower rates credit cards.

But another strange thing is that 4 days before, I had another call from 979 446-0366 saying I won a trip to Orlando for $2200.

Im pretty sure they are the same scammers.

These guys phoned me and sounded very dodgy.  I asked who he was calling from and he said Credit Card services, then I asked him for what bank and he proceded to tell me CIBC, TD, Scotiabank, Royal Bank, BMO, Canadian Tire, PC Financial etc... He then proceded to go on to claim that he would beable to lower my interest rates on my credit cards and told me that right now I am paying 18.9%. I said to him that this was not true, my rates were lower then that and I do not carry a balance, so I don't care. I then asked him what is the exact name of the company he is calling me from . He told me Bedford Financial Solutions. This is their website: http://bedfordfinancialsolutions.com/index.html but I can't find any phsyical business address for them there. They look like a TOTAL SCAM. I would AVOID giving them any information.

Codinguy:

If you think you've been scammed try going here www.phonebusters.com ...they can help.

cheers.

Had a few missed calls from them where they call once and hand up.Presumeably,  calling them back will be at international or premium rates.

Well, From what I have read on this site alone... about phonecalls originating from this number, and the accompanying male voice with what appears to be an east indian accent..  They have been going on for a long, long time.  So obviously, complaining to the proper authorities, sadly doesn't do anything.   This world is going to hell....  
~One more Victim.

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from (905) 595-8640 (Brampton, Ontario, Canada) and (905) 346-4828 (St. Catharines-Thorold, Ontario, Canada) - both Unpublished Landlines.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  Other calls from 1.+1 800-375-5872 (again, unable to locate on Internet--unpublished).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.