I sent them $4,200 like an idiot, without considering how stupid that was, as a collateral payment for an $8,000 personal loan. The process dragged out for an entire month, and now the phone numbers I have for my account rep no longer work, and I still have no loan, and have incurred about $1,000 in fees. Do not use them. If someone named Patrick Stokes contacts you, trust me.... hang up. I was a victim of this companies little scam, and now I'm in a terrible position. Do not send them anything!