Silverwood Financial David Stafford stole money that was for collatral Fayetteville, North Carolina

I was looking for a loan, and filled out a loan application. About a week later I was contact by Richard. He said that they could loan me $5,000, but that I would need to pay collatral of 820.00. 

My wife did the transfer on 15 July 2009, supplied our bank routing and account number, and was told that we would receive the 5,000 by direct deposit the next day. We didn't get the money, my wife tried calling all day the 16th and the line was disconnected. 

David Stafford called that afternoon and spoke with my wife apologizing for the phones being messed up there had been a storm.  He also told her that the investor had went to the insurance company with the collatral we had sent and the insurance was requiring another 815.50 (they lowered it to 800.00 even because of the wire transfer fee).  We told them that we couldn't come up with another 815.50, and that we would take the refund of the original 815.50. David told my wife that it would be refunded through direct deposit in accordance with the bill pay cycle which meant we would receive it on the 14th of August.  We have tried contacting the company since then and once you dial the number it disconnects immediately.