I requested 10 years ago a free book that had been offerend. They said they needed to charge for shipping. I paid the shipping charges. For the next 10 years they sent the Franklin Prosperity Report, which I had never requested. I assumed it was junk mail and threw it away. It appears that all that time they were charging my credit card. I never knew this becuae the initials NMX on my credit statement was unknown to me. I requested a refund. They made a refund for 2 years, but not the remaining years. They ow me over a thousand dollars for the remaining 8 years.