I received the same letter today, January 6, 2009! The TELL-TALE sign for me about a program's "questionability" is whether or NOT they provide the ability to have participants send via credit card (which I think enables one to at least "TRACE" the source if there is a desire for a refund).
If one sends a PERSONAL CHECK or MONEY ORDER or CASH, then DEFINITELY the ODDS are HIGH that one will NEVER get a refund!
And I ALWAYS check the Internet to discover if ANYONE has ever had "contact" or "experience" with these programs that ask for "one's money"!!
I will be interested in knowing if ANYONE has had a positive "experience" and proof to show it! I do have to compliment on E.J. Rhodes (or followers) who went to "great lengths" to create such "convincing documents" that border on the professional side of business ethics!