Prestige Lending Solutions, Prestige Lending Solution, I applied for a personal loan online with this company, and I was approved but then had to wire money to canada as part of collateral Dallas, Texas

I googled bad credit loans and I found a company called Prestige Lending Solutions. I applied for a loan because I am in very deep debt, and a couple of days later I received an email from Richard Smith saying that I was approved and to please call. I called Richard, and he needed me to send a copy of my pay stub, ss card, and drivers license, which I thought sounded normal. And he would need my bank account # to have the funds wired to my bank account. So before doing so, he continued to tell me on the telephone that because of my bad credit score, I would need collateral, and he gave me three options, I would either need a deed to a house that I did not own, a person who makes over 70,000 a year, or the first 4 months payment up front. But he also said that I could send the first two month payment, and then when I receive the funds fromt he loan, I could take money from there and send the other two months payment.

So I fell for sending the first two months because the other two collaterals were not an option for me. I was told by Richard to wire the money to Canada via Western Union to a Bryan O'Donnell, so I did and at the point Richard told me that the funds would be wired to my bank account in 24 hours. A couple of days went by and there was no money in my bank account. I contacted Richard and he said there was a problem and when they received the Western Union they had to look at my credit report again, and I would have to send the rest of the two payments, I had to wait two weeks before I could send the money, so Richard said he would keep my application open until then.

Two weeks went by and I contacted Richard to let him know that I was ready to send the rest of the money. I sent the money and again Richard told me that the money would be in my account in 48 hours. Another couple of days went by and no money was wired to my bank account. I tried to contact Richard via telephone, and the 888-656-5554 number had a recording saying "this number has been temporarily disabled". I contact Richard via email, and he said we are having phone trouble, and I told him that the money still has not been wired to my bank account, and so he replied back and said because I took so long to send the rest of the money the "insurance brokers" needed a fee of 580.00. I told him I could not afford another fee, and he said he would process my refund for the money I Western Union and I would receive it in 7 days. It's been more than  3 weeks now and I haven't received my refund check, and I have been trying to contact Richard via email but he has not responded to any of my emails, I want my refund back from this company and it will probably never happen .