Carmichael lending group Angela Dwyer senior loan officer. Francis Patterson ceo On december 6th 2017 i got told by angela dwyer i was aproved for a $3000 loan an then said i needed to make a. Collateral payment of $450 for the frist 5 payments so i sent it after talking to a few people to make sure it was a trure loan an latter that night i got a call from angela saying i needed to send $450 more so i told her no i was not going to send any more just give me a refund so from the 22nd till now i have called an no one will call me back an cant get no one on the phone i have sent emails an left messages but no call backs San Jose California