On 10/28/08 I was contacted by a woman named Amy Fisher from Century One Loans who stated I could get a personal for 10, 000.00 but had to pay a secured down payment of 1825.00 by western union and then the loan would be deposited to my account. She also states that the down payment will be refunded to me in 90 days if I make all payments on time. She faxed me a contract and business certificate to sign and prove the company was real.On oct.31 2008 I sent the money western union and paid 198.00 fee which would be refunded me and called her the receipt number. The money was to be deposited into my account by 2:30 pm that day. Well no money ever was transfered and when I contacted them they state that it was an error on her part and I actually needed 3000.00 down and if I just send a 1000.00 more the money would be deposited. I argued that this was not my error and I at least needed my money back she stated it would take 4-6 weeks. I have asked to speak to manager or someone else or a number for a complaints department and they have refused to give me any other number. They say they will refund my money but if I send more money I can have the loan. Do not fall for this like I did. Due to this I have a child in college with 6 weeks left of school with no place to live now, I will have my electric shut off in 2 days and lost my car insurance and have no heat for my other children and these people just don't care!