Westchester Equity Group Applied for personal loan, learned it was a scam, today, did not send money Detroit, Michigan

I applied for an online personal loan, a day, or so, prior to receiving a phone call, from Henry Caldwell, on November 23, 2009.  I was not able to answer, so he left a message asking me to return his call.  When able to reach him the next day, on November 24, he indicated I was qualified to receive a $5,000 loan, so he had his assistant fax me the loan document, for my review, and if I accepted the terms, I was to sign it, and fax it back.  In order to receive my loan, to pay past due bills, I had to pay 6 months of payments, in advance, totaling $911.64, before the $5,000 could be released to me.  I was not expected to make the first payment until June 2010. 

To bring my point accross, my mom was SCAMMED out of $8,000, this morning, by someone working for a "reputable company," in the US, which does, in fact, exist, however, after our bank revealed, to her, that her checking account was on FROZEN STATUS, because of fraudulent money orders, it was in the negative, totaling $8,000.  She did further checking, with the company, and come to find out, these few sick scam artists have been running this scam for 9 months, and the FBI's been involved since the beginning.  

This led me to question whether this $5,000 loan, from Westchester Equity Group, was even valid.  I looked them up on the internet, only to find this site, Ripoff Report, and I saw that others had been scamamed by them just days ago.  I am so very sorry that these individuals lost their money, however, at the same time, I am, EXTREMELY, grateful to them for coming forth to help protect others, like me, from what happened to them.     

It amazes me how people can live with themselves when they are taking money away from people who, actually, need a personal loan.