I applied for a personal loan and was scammed out of $3, 000. Per them had to first send 1, 000 then 800.00 then 400.00 then finally 500.00 in order to receive the personal loan that was for my daughter's college tuition. If only I did my homework first. I don't have money. We are hard working citizens. And I was so desperate I took a chance and made a very bad decision. So I have reported them the Consumer Affairs of New York and to BBB of NY and to the FTC as well. I know that I will never get my money back but hoping in time they will be caught.