On Oct. 22 I contacted First Amerigo looking for a quick loan to open my small business. I paid the $299 registration fee and was told there were no other fees. About a week later I rec'd a "First Amerigo Contract" that states I must pay an additional 9.9% of the amount I am funded. I refused to sign and asked for the $299 to be refunded. About 2 weeks later, after several emails and phone calls to First Amerigo, "Anthony" (a finance director) called me and left a message promising to make me happy with either a loan or a refund. He also requested to wait until Dec. 20 because that's when "lenders get aggressive to make their portfolios look good". I returned his call immediately and said "NO. I WANT MY MONEY BACK. I CANNOT WAIT ANOTHER MONTH". It is now Jan. 14 and my calls are still unreturned. I still have Anthony's voice message, by the way.