Paramount Finance and Investment Services did exact things to me, and now they are trying to ask me to pay for the $7995. They were trying to sell me a QLD prosperity with overstated value by $40k, I rejected it. Then they tried to refinance my mortgage saying they can save my interest by $400k, but I found they refinanced my mortgage with an extra $25k loan with higher interest rate (49 points higher), if I take it, I will be $25k poorer immediately and have to pay higher interest in the future, obviously I refused it too, then they treated me. This is a scam, we should report it to ACCC (www.accc.gov.au) and to http://www.scamwatch.gov.au