Mycfab called me and offered me det consolidation for $795. I asked to them that they can work to my mortgage they said they will work for all my account. so I paid $795 to join. But the time they start to work for me they said they cannot work to my mortgage. So I asked for refund because of my financial hardship I agreed for $695 refund. This happened on December -2008. They said I will get refund within 2 weeks. But till today I didnot get my refund from them. From one year I am keep calling me and they are keep saying next month . This is 2010 February. Still I am waiting for my Refund $695