Hi, I saw the complaints on this website and had to say something as well, specifically about the "Premier Savings" company. This company called me on the phone talking about reducing my interest rate on my credit cards to 7% interest or lower "garanteed".
I've had experiences and my mother was scammed also in this way, she was promised services just like these and she paid upfront aswell and never got the service or her money back, so I was aware about this being the same thing. They said these services were already garanteed and decided upfront, that you didn't have to worry about them not working. I kind of saw something wrong with them asking for such a high fee (467.00) and also they said that if things went wrong they would reimburse my fee but they would keep 20%, fishy I thought, specially for something that is "garanteed" to work. The first representative speaks to you without recording so you can ask everything without compromise to them, then they switch you to someone who will make the deal and record the conversation, but that person usually wants you to hurry into saying "yes" so that you don't ask too many questions while being recorded so you won't compromise their little scheme I'm guessing.
Anyways, after I said yes I checked the internet and found this site, thanks to you guys I called the credit card I used and was able to change my number and reverse the charge in time. The representative I spoke to told me that it was a scam, and that this wasn't the first time they've dealt with them. Also they told me that they had no such dealings with this company and they're "garanteed" 7% or lower ratings.
So I guess it's clear to me it's a scam. I don't know what else to say, hope that it helps you as much as it did me.
Monetary Loss: $467.