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I was looking online for a loan to pay off my house. They approved me for more than i asked for which was great. They said that i needed to pay a collateral down payment. They said that i could use my prepaid card. They sent me a contract to sign. I signed it and sent it back. Then they said that i could not use my card that i had to use a western union. I sent them 450.00. Then they told me i had to have full coverage insurance on the loan for the amount of 1200.00 and that i needed to pay 700.00 more dollars. When i told them nobody mentioned insurance to me before they said they wouldn't give me my 450.00 back.