I asked for a refund and could get no one to take my calls.

Theirinitial sales pitch was having"nice-sounding" lady preaching a whole yarn of crap aboutwhat they can do,then you're supposed to fill out the paperwork.

It wasn't until after the fact that I found out that my mortgage company could do the same thing.

I wanted to catch a plane and spit in Joseph Baker's face, but I didn't. I can only hope that they are going through the same kind of hell that they put me through!