you r right as a consultancy farm they r doing this by negotiation...

got a call this am  from someone with a very heavy east indian accent  saying they were calling for liberty financial Markham,tells me they can give me 3% interest on my Mastercard, he and two other guys  talked for awhile sounded very convincing, i gave a  little info , then thought i was making a mistake,said i would think about it & call them back.about four hours later i get a call from a different #, by the way the first calll was from 14160012345  second from 18018641000 it was one of the guys i had talked to the first time. he talked some more  and finally  i broke down and gave him the information he wanted, afterwards i didn't feel right about it so i did some  research on the internet  now needless to say i feel like a stupid old woman,and i don't know how to undo what i did. Now they are  going to charge me $688.95  and promised  they will save me  $2,500.00 in the first year . I am suppose to get a package with all the info  in a week or so.   could it be they are legit.

Just got a call from 14160012345 and (905) 595-4511 Liberty International Financal Group ot of Markham Ont. Heavy accented man asking for personal info and credit info. Unfortunatly I gave him personal info and Mastercard info. After my very smart wife advised me not to give anymore info. I hung up and called the BBB and Mastercard. I was told there is no company called Liberty International. Mastercard told me there is a phone scam going around. I will be issued a new card but unfortunaly they have my personal info. Be aware and do not give them a second of your time. It is a scam.

Got a call from (647) 722-2391, at 3:30pm this afternoon, and when I answered and said hello, the caller hung up. Called the number back five times and it was busy.

100% Scam called this am number was spoofed out of Peck MI.

I got my package today.. To be frank i wasn't expecting it.. I was about to cancel the deal because of the delay.. But i'm glad i didn't..
let's see whats coming next for me.. They told me that my interest rate will fall down to 3.9%.. Not expecting this much but hoping for the best..