We paid First Universal Lending an up front fee in March 2009 only to find out later that this practice is not legal in the state of Florida. We requested our money back the next day and were denied. They did not give us the proper disclosures as mandated by the state's attorney general on all contracts. This company is in direct violation of the laws of the state of Florida and should be shut down and legal action should be brought to them by the attorney general's office and force them to return all stolen money back to the consumers plus interest. But they will probably file bankruptcy and screw everyone. read full review »