I agreed to a "trial" membership and was asured that I could cancel within 3 days and no charges would appear on my credit card (8/26/08). 8/27/08 I called and cancelled the offer and again was assured that I would not receive any charges... 8/26/08 charges appeared on my credit card... I called and was told that I would not receive any refund until I returned the documents... I immediately retuRed the documents when I finally received them and received confirmation from the post office that the company received the documents. I keep calling and the message I get is "my refund is being processed" 4 months later...still have not received my refund. Now I only get a recorded message when I call. THIS IS FRAUD!!!