I was approved for an $8000.00 personal loan with 7% interest that was going to be used to catch up on rent and for medical treatment for myself. Due to having bad credit and no cosigner, they required a collateral payment that would go towards the first two months payments on the loan. We were guaranteed that the loan would be direct deposited into my account the following day. It did not happen. I called the next morning and was notified that I had to pay the 9% taxes on the loan. We did so. Still no loan. Someone was fired due to the negligence on their part. We were also told that due to the gross error on their part that our loan would then be given to us interest free; however we now had to pay insurance on the loan just in case we didn’t make payments; at least they would get something out of it. We did so (all through western Union to various people in Georgia and Ontario, Canada). Still no loan. I ripped them a new one at this point, since part of the problem is they didn’t allocate two of the sums we paid to the correct location in their computer system and their IT weenies were unable to "isolate" the funds in their system in order to reallocate them correctly and deposit the funds. We ended up making double payments on the taxes and insurance. I tore into them again. We decided to cancel the loan and our funds were to be reimbursed via direct deposit into my account. I told them this was unacceptable and I expected to be sent my funds via Western Union. They stated this was against policy and it would take 30 days to reimburse via direct deposit. I still haven’t seen my money reimbursed. We were evicted and now their phone number and email are disconnected. They are unreachable. I have all the manes of the people who picked up the funds through Western Union as they had to show a Dl to receive the funds. I have all of the names, dates and info. of all of the phone calls and Western Union Receipts. I contacted two attorneys here locally to sue these evil bastards, however they are not licensed to practice in New York State. Any suggestions?