Company offered $5,000 loan to be direct deposited in my account upon submission of some documents and insurance amount of $447 + $40 wiring fees. After signing contract faxed to me by Shawn Allen for the amount, next day got a call staying the loan was not approved because some issues with my credit report (they were not supposed to check credit anyways). At that moment I requested my money to be refunded as stated in the contract, was told (Andrew) that would take 7 days via FEDEX. Next day got a call again stating that the lender agreed to release the loan for extra insurance ($300) and no payments to be due until Jan. 1st. A promissory note was faxed to me with supposedly signed by the company's CEO (Steven Walters) and once again the guarantee of a refund if something went wrong. Again, money to be deposited 24-48 after receiving the money. Days passed and no money was deposit, contact with them via voice-mail, email, and fax was unsuccessful. They scan calls and ask who's calling so I was not able to talk to anyone, after few calls, the call gets dropped even before I get any answering message. They got my money and all my attempts of communication has failed! They are most definitely scamming people.