Malvika what the heck you think you are?? Are you a broker of any of these companies? I am not fool like you not to complain yes i did and got my money back. I am not rich and cant imagin loosing 4000$ . I posted about my experience coz i wanted others to know about it. And for your kind information this is not a place to GAS. It is a place to share experience. If you dont believe others then dont dare to comment on others just be quite.