I have purchased the service of bank Ready plans services through the internet , received the questionnaire filled them out but weeks went by and never received any documents. After I insisted on receiving a status report I did receive a few email promising that the documents will be ready and each time it was a few days and was told that my plans were level II and needed more time which I did accept and assumed that was the truth . 6 weeks later I get a call from Edward the CEO telling me that my plan was top priority and should be delivered in 2-3 days , nothing happened for 2 weeks again and nothing was received. I sent a few emails inquiring about the status butt o no avail . Finally I sent a request to refund the fee paid and was refunded 30% and Mr. Edward the CEO claimed that he refunded the entire amount through paypal. I must say that the day I completed the purchase transaction I received a call from Paypal asking me if I knew what I have purchased and of course I said I did and thought that was Paypal routine check to make sure that transaction was legit, it so happened that later I found out that many has disputed Bank Ready services and Paypal was monitoring their activity. Last but not least , I do not recommend their service as they have no respect for deadlines and further more their communication skills are almost nil so I fail to see how they could deliver any business solid plans.