Complaint Review: AFS UNSECURED ONLINE

I am not very pleased to be writing this report! Robert@afsunsecuredonline you know who you are! You scammed me out of my hard earned money! You promised me you had a loan secured for me, but that was nothing but a lie! You worked hard to get my $249.50.You returned my calls, answered my questions, returned my emails, but now you are not doing anything to rectify this situation!! I initially received this email from "robert":
We are happy to inform you that based on the information you provided to us, your request for an unsecured loan in the amount of $10,000 has been approved through our system . Please fill out the following form so that we may begin to process your loan, the entire process takes between 9-13 days from start to finish. I know that almost all  the information being requested was already provided when you filled out the application on our website, however we need it in the format below as its a sacannable form for electronic submission.  The loan is a line of credit, meaning you only pay on what you actually use and the rest is available credit to be used whenever in case you need it; so if you withdraw the maximum of $10,000 your monthly payment would be $300, if you only use $5000 your monthly payment would be $150 and you will have $5,000 available credit should you need it in the future. It is very similar to the way a credit card works in that way, whatever your loan amount is your payment will be 3% of the balance (i.e. $30 for $1000, etc.) This approval is locked in until the August 7 th  but the sooner we get started the sooner you will receive your funds. If you have to get started after the 7 th   please check in with me first so I can confirm that guidelines have not changed and that we can still approve you for this amount. There is no need to print/fax the paperwork, simply hit reply and fill out the information in the body of the email. P lease feel free to contact me by phone or email if you have any questions or to get more details regarding your loan , If we dont pick up please leave a message.
Robert Alanis
Finance Specialist
858 222-3085 office
858 348-3267 fax
So needless to say I was very excited about the chance to improve my credit score and take care of some bills. I sent "Robert" an email back and informed him I didn't have the $249.50 that he was requesting for his "consulting" fee and asked if it could be deducted from the loan proceeds since I was already "approved". This is what he wrote back:
Im sorry but since we are a third party loan placement company we cannot charge fees through the loan so the fee gets paid in the middle of the process (which is now). First you apply, then we check all your info and run the credit, then we see what lenders in our network you qualify with (believe it was hard in your case, in todays credit market not many lenders are taking a chance with past bankruptcy) and after a lender has been procured then the fee is due in order to move forward.
Right now we are looked in until Friday so if Friday is payday and you can do it then we are perfectly fine. If its just not possible and it has to be after that then check in with me first when you are ready to see if we can still qualify you.
Robert
This should have threw up all kinds of red flags, but I really needed this loan. So I asked Robert how will I be able to access the funds. He emailed me:
You will receive a credit card and a check book both linked to the same credit line. If you need actual cash in your hand the way to go about it is to make out a check to yourself and deposit it to your bank account.
So it sounds like everything is legit. I got scammed out of my money because now, Robert is gone! Not calling back, not emailing back, and I don't even think he has an official office building. I think he works out of his apartment and uses a cell phone as his business phone. DO NOT FALL FOR THEIR TRICKS!!!!! Those were actual responses to emails I sent Robert. I will find out how to get my money back or I will employ $249.50 worth of bad mouthing on every website I can find.