A 647 number in Toronto isn't terribly unusual.  I myself have this area code, however when I got the call from Liberty IFG, their number was spoofed to 1-416-001-2345.  I too am on the DNCL, yet when I questioned them about how they managed to contact me, I was given the run around. The first person I spoke to said his name was Jack Smith, who had a very strong middle-eastern accent and was difficult to understand.  Possible? Sure, but not exactly a name you would traditionally encounter in that culture.  The second man who introduced himself as Jason Woods who had a slight accent I couldn't place.  The third man, who called me back the following day, called himself Ryan Smith (with what might have been a french accent) and the forth and final man I spoke with simply referred to himself as Jason (though it was apparent it was not Jason Woods).Since my story is similar to those mentioned above, I'll skip over most of the drama.  Suffice it to say I stayed in contact with this company a little over a day. Very agressively, I was asked why I felt I had no confidence in the company.  I stated first, that they called me at 9:45pm (when their office hours are supposed to be 11-4pm), and that the number that I later realized appeared on my call display is a spoof number.  He tried to convince me that they are authorized to disguise their number. (Ha... right!)  He asked if I had checked out their website, I responded I had but I refrained from discussing my impression of their pathetic attempt at looking legitimate.  After some arguement and debate (HE even hung up on ME once, though I thought I was being polite, but he later called back) the matter was finally closed.I filed a report with the RCMP and have since been doing a little digging  actually that's how I found this site) and found some interesting information.Here's what may interest some of you.  Their web address as of today is www.libertyifg.com.  Looking this up through whois, we can see that their site is registered: c/o LIBERTYIFG.COM P.O. Box 821650 Vancouver, WA 98682 US.  Clearly NOT the Canadian company they assured me they were.  Their ISP (unless I am mistaken) is Covad Communications Co. 2510 Zanker Rd. San Jose CA 95131 US.Bottom line folks, don't give your credit card information out to anyone over the phone.  If these people were contracted by my credit card company, they would have told ME my name, address and account number.  Don't even entertain these a**holes, just hang up on them (unless it simply amuses you to mess with them).  If you feel compelled, ask them as many questions as possible, but don't give them any personal info.  Contact phone busters here http://www.phonebusters.com/ and help the RCMP nail these jerks.

thnx buddy...enjoy this interest rate for ur lifetime...

Thank you for your comment Alis. I am also now enjoying the lowest possible interest rate on all my credit cards. And after I received the call the person called me  told  that he is going to tell me the exact amount that I owe as of that day. And i checked that online with my CIBC bank and he was absolutely correct. If you people are not interested to enjoy your life debt free, its completely your choice but why should lead others in confusion?

October 21, 2009 8:40 pm the same thing happened to me.  I questioned how they received my information.  They said they were associated with Liberty Financial and the program was called FFN - Freedom Financial Now.  I'm a lawyer so I kept asking questions such as: if Visa or MC had given my information why were they asking for the information they required.  I confirmed that Visa and MC were "clients" of liberty financial and they were providing this service? They said correct.  I told them that I was reporting them and that my number was on the do not call list.  Scam artists with nothing but time to figure out bogus ways to make money.

I got the same call last week....and i declined because i already do have a very low interest rate....but what i could gather from the call was that it was done form a call center....and you should know that since most call centers dont actually call you through a phone but rather via internet through an automated dialer their numbers are bound to come as "spoof" number...nothing unusual about that....and as for giving CC info over the phone....well the only thing there is too say about is that telemarketing is something that has been going on for decades in countries like USA and UK people always buys things over the phone....so i dont see whats so shocking about that...

Got this call at 9 am eastern time in Canada. I did not answer but I searched and founf many people have been contacted. I'll cut and paste one comment:

Liberty International Financial Group
lowering interest rates

We are on Canada's National Do Not Call list.  Had a chat with a gentleman, who obviously was not from Canada, explaining how the DNC list applies to all companies worldwide.  He apologized.

I filed a complaint with the CRTC here.
https://www.lnnte-dncl.gc.ca/plt-cmp-eng

You may with to do the same.