These people take advantage of people looking to get a reverse mortgage. My friend was trying to get a reverse mortgage. She called QuickCert and made an appointment for couseling and gave them her credit card no. For the 125.00 fee. When I found out, I put her in contact with the local housing authority that did it for free, and then canceled the appointment, a full day before the 3 hour time frame needed for a refund. The next day, they called to do the appointment which we canceled. They lied and said we did not cancel the appointment and refused to return the money they took. When we called the credit card company to file a complaint, we found out they took that money, the day the appointment was made, not as they had promised that the money would not be taken until after the counseling session. I am still fighting to get the money back for my friend who is disabled with MS and really needs her money back.