Auto Relief Group ARG Did not provide service I paid for, Internet

I heard this company advertise on sirius radio that they can get your auto loan modified to lower your payment as much as 50%, so I called them. The "service representative" explained the program then took my info to see if I "qualified". After awhile he said I did, and based on what I had told him, he said they could get around $165 per month of my payment which was about 40%. I said let's do it. I paid $298 upfront (mistake) and he told me I would get email within 24 hrs for all the info about my car, acct #, vin, ins info etc. He said then it would take about 10 days to get my proposal and if I didn't like what they got for me, they would refund my money no questions asked.

3 days later, no email, so I called the same guy back and he referred me to an "account specialist" She apologized for not getting the email and gave me a list of info to get her for the proposal. I called my loan co and ins carrier and called her back with all info. She said I would have the proposal on the 15th, (this was the 5th).

18th no proposal, called 4 times and left voicemail (no live person to talk to). 4th msg said I was unhappy and thinking of refund. 19th return call apologizing because they had been closed 4 days due to storm back east. Was told would have proposal by 23rd.

25th no proposal. Called again and aftrer 5 tries finally reached someone. She told me no proposal yet because first "account specialist" had not gotten all info required. I told her that was enough and I wanted my money back. She said she was not authorized and would have a supervisor call me back by 5 o'clock. 2 days later, still no contact.

Called my bank and filed fraud report and got credit while they filed claim against ARG. Called back and could not get live person, so left voicemail explaining my filing fraud claim and demanding a refund or I would start legal procedings. Recieved call within 20 minutes from "supervisor" saying she would process my refund and I would have money within ten days. I said "not acceptable! It took you less than an hour to take my money and you have 3 business days to refund it or I'll start legal procedings. I said I don't care if it costs me 20k to get my 298 back, you'll end up paying for all of it and some agravation $$ on top of it". She said, "her company policy was 10 days and I said 3 business days or else"! This was on Friday afternoon and I had my $$ back Tuesday.

I should have checked Ripoff Report first.