Ludington Loans approved a loan with a $995 deposit to be sent via Western Union with a $86 dollar fee that they promised to return to me. Then after that was sent to them required another $995 sent via Western Union with a $86 dollar fee that they promised to return to me as well. When I did not have the money to send it but I was now in a desperate situation they convinced me to get a payday loan to pay the second deposit. I did this out of desperation because now they had my money and I needed monry to pay the bills and they said it would be at least 30 days before they return the money. Then asked for another $900 which I did not pay. I had no money left to send. Then they refused the loan without the additional $900. They have done this to several people if you look now on Superpages.com and check out Ludington Loans in Southfield, MI 48033 under advanced search.I an still waiting and they have not given back my money.