Centex Home Equity Company ripoff told was approved for loan paid $350.00 for appraisal then told not approved Lewisville Texas

I was referred to Centex Home Equity Loan by another lender who advised they did not loan less then $50,000.00 and I only wanted to borrow $20,000.00. I was referred to a Todd Hunter at Centex telephone number 972-316-8004.

I called Mr. Hunter's number and he said that they could help me and he connected me with Katinka See. She pulled my credit report and said that she could help me.
I explained that I only wanted to borrow $20,000.00 and she said that according to Texas Law they could only lend me $35,000.00. She then explained that I could pay off all my bills and still have money to work on my house.

She went over my credit report and added up my debts and then she came up with the amount of $41,000.00. This would pay off all my debts and give me $10,000.00 to work on my house.

She offered me the option to get one lump sum of money, which would be only $38,821.23 after all closing costs.
She then advised I would have to pay $350.00 for the appraisor. I asked if we could get someone to come out and do the appraisal, and she said that they had to send someone out and he could not be paid at the door I either had to pay with a credit card or a check by phone.
At this time I asked her before paying this money if we knew for sure that we were approved for the loan and she said yes you are approved.

I gave her the check information and it went thru the next day. Then after a week someone finally contacted me about the appraisal. They came out and looked around the house and measured and left. I asked him what he appraised it for and he told me that he had to go back to the office and do the paperwork and could not tell me.
After another week Katinka called me and said that she should have the appraisors estimate in a few days and she needed to get with me about the amounts to pay off my debts. I then advised her that I wanted to received the full amount and pay off the bills myself.

She hesitated a bit and said that maybe we would have to pay off some of the debts and she said she would get back with me the next day. Three days later she called me and said there was a problem.

She said that my house only appraised for $37,000.00 and by Texas Law they could only loan me 80% of the home's value.

I explained that the county appraisal district appraised my house and 2 acres of land for $42,000.00. She said that if I could get her an old appraisal she would see what she could do.

I called her the next day with a copy of my last three years of appraisals from the county and she said that she was sorry but there was nothing they could do.
I explained that less money would be okay, after all we only wanted $20,000.00 to start with. And she told me that in Texas by law they could not loan less than $35,000.00.

I explained that I had documented proof that they had loaned 7 other people in this town less than $35,000.00. After a pause she explained that these must have been done by a different company.
I assured that I had copies of the paperwork that showed they were all done by the Dallas, Texas office. She said that there was nothing that she could do.
I would like to receive a copy of that appraisal report that cost me $350.00,but no one will return my phone calls. They always ask who is calling and when I give them my name I am automatically sent to a voice mail and no one ever calls me back.
After reading other reports I am glad that I did not sign any papers with this bad company, but I would still like to get a refund on my money.

Sarah
Center, Texas
U.S.A.