Glad I found this!  I googled "Liberty International Financial Group" after speaking on the phone to two heavily accented men and this page came up. They assured me they'd lower my interest rates on my cards down to 3% without any information on how they'd do it. They asked many personal questions that people should not be asked or answering without a proper agreement. I did not answer the questions truthfully and this definitely seems like an identity theft scam of sorts.

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.

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***oles, 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.

I too received this bogus call only now the number is 1-416-000-0000 and the toll-free number that they give to call them back is 1-+1 888-351-1756. When I called back this toll-free # it brings on a recording for "QCS Programs", says all their agents are busy and asks you to leave a name and number for them to get back to you.  I called my credit card company to verify and was told that they are a calling company that promises to lower interest rates and save you thousands by shopping around to find the best rate they can. You can do this yourself for free.  If you are eligible for a lower rate, you can call the credit card company yourself and see.  And it costs you nothing.  But they always charge you up front for their services.  In this case it was $690.00 US. Again, I concur with everyone else.  Don't give out your # to anyone on the phone.

Registration Service Provided By: FORNIX SOFT LIMITED
Contact Information
Corporate Address: ICT Incubator, BSRS Bhaban, 4th Floor East, 12 Kawranbazar, Dhaka 1215.
Telephone No: +8802-8114888, +88017-13243449


Domain Name: MCLFSERVICES.COM

Registrant:
MCL FINANCIAL
Mr. Zahir
mclfservoices.com
Ontario
Ontario,K2J 5H4
CA
Tel. (613) 843-1958

Creation Date: 13-Feb-2010
Expiration Date: 13-Feb-2011

Domain servers in listed order:
ns2.fornixhost.com
ns1.fornixhost.com

Administrative Contact:
MCL FINANCIAL
Mr. Zahir
mclfservoices.com
Ontario
Ontario,K2J 5H4
CA
Tel. (613) 843-1958

Technical Contact:
MCL FINANCIAL
Mr. Zahir
mclfservoices.com
Ontario
Ontario,K2J 5H4
CA
Tel. (613) 843-1958

Billing Contact:
MCL FINANCIAL
Mr. Zahir
mclfservoices.com
Ontario
Ontario,K2J 5H4
CA
Tel. (613) 843-1958

I patiently waited for the package with my fingers crossed.. Then i filled out the forms and sent it back.. And i saw my interest rate coming down to 7% from 23%.. I don't know how they did this but i saw it in my billing statement..