Review on Dynamic Credit by Philip Latham

This company does not provide any information on their site. All of their services are hidden behind the signup process. If you do sign up you are presented with a link to a "sales pitch" video. I did sign up and was told that I would receive a free quote and then the sales pitch. My quotes never came. I called and left messages. No response. Finally after 6 weeks I decided to cancel my account and ask for a refund. When I canceled my account I received an email saying that my cancellation would be processed within 24 hours. I waited another 2 weeks and then called. When I asked for a refund I was informed that my request would be processed in 2-3 business days. After another week passed I called again. At this point I was told that I could not get a refund because they don't offer refunds and also that they will take 10% off my next bill. So, basically I spent $100 on a 2 month trial and received $10 back. In addition, I now have to wait another month for the next billing cycle. What kind of scam is this?