Heard an ad on the radio for Credit Yogi, a resource to help people with high interest loans obtain refinancing. I looked on line for the company, found it, filled out an app. Ivan Levy got in touch with me by phone. Took all of my information regarding my auto loan, amount, lender, interest rate and so on. He claimed that he could help me obtain financing at a lower interest rate from my original lender or another if need be. I had to pay a fee of $500.00 up front before he would begin to help me. This all began in August 2012 by December 8, 2012 my auto had been repossessed. From August to December Ivan Levy claims he was in contact with my original lender and that my auto was safe and would not be repossessed. At 2 junctures I had to send the lender one full and one partial auto payment, at the direction of Ivan Levy. He only sent me two links for possible refinancing from other lenders and both proved futile. My credit score was low and my auto had high mileage, so it prevented me from finding a refinance deal. My original lender would not lower my interest rate and they made that perfectly clear up front. Once my auto was repossessed I called Ivan Levy to let him know and he was surprised that it happened. I never spoke with him again, we had a few email conversations, he threatened to send one of my emails to his legal department because he said it bordered defamation, the wording I used was "up and Up" and "legitimate". I have sent many emails to Ivan Levy requesting the return of my $500.00 but he never has answered them. His company Regency Financial advertises a money back guarantee if in six months time a solution can not be reached. He is a crook and prays on the poor people who need help. He just makes himself an illegal living.