I to was taken by Avalon Lending Solutions. I got a call from a David Rally, stating that I had been approved for a loan in the amount of 7000 with 8% interest. I wired the money thinking that it was legit. I had done my research and it seemed to be ok. I decided not to do the loan when they stated that they needed more money for the insurance payment to protect themselves in case I didn't make my monthly payments. I stopped the loan and was told that I would receive a refund in the mail in 2 to 4 weeks time. Still haven't received my refund and it has been well over the 4 weeks. Now when I call the number given to me, all I hear in Thank you and Good-bye. If you get a call from anyone at this company, DO NOT return their phone call and try to get a loan from these guys.