Complaint Review: PDM

PDM promised to lower interest rates at a charge of $990. When I called them for a refund they gave me a story about how a company they hired to help with this did not do as they were hired to do. They said my refund would take 20 days. I think I have called them about 75 times and e-mailed them 4 or 5 times and I still do not have my refund.
I had signed up for this program in Nov 07. I had not heard from them and called them Mar 08. They told me about changing the company and so on. I called them about 2 weeks later asking for a refund. Here it is Sep and I have not gotten my refund. After the first month of not getting return calls from them I started writing down when I called. I feel sorry for the answering service, but they finally gave me an e-mail. I did get a reply from Traci saying that Mardy would be calling me.
I read on this site about getting g with the credit card company to have them get my refund. I sent them a letter asking for their help. I talked to them today and they said that I waited to long, I only had 6 months to do this.
I tried to work with the company I was having issues with and they kept making up stories and pushing things back and now it is to late for the credit card company. I'm pissed. I don't know what I can do now. I have a few more phone numbers and I will keep calling until I talk to someone and get my refund.
Traci 817-354-5482
Mardy 817-354-5495
The voice mail boxes are full but I'm going to keep calling them and also the answering service.

Is there anything else that can be done?

Bru
layton, Utah
U.S.A.