Complaint Review: Ri-Del Financial Group

My husband and I filed an application on http://www.innovagrouponline.com/  through Innova Financial Group.  After they recieved our information they then sent it to one of thier sub companies Ri-Del Financial Group.
At that time we were contacted by Mr. Anthony Hoffman who processed all of our information.  We needed a co-signer due to our credit score.  We then contacted my husband's parents who said they would.  They contacted Mr. Hoffman and at that time told him that they could co-sign. Mr Hoffman told them that it would be 3-4 weeks before someone could come out and appraise their house.
We then contacted Mr Hoffman and talked about other options.  He explained to us that they have insurance companies that do co-sign for people with bad credit but usually require a down payment that assures we qualify.  My husband's parents gave us the $4000.00 to do that with.  We had to have 10% down.  Mr Hoffman assured us that there was nothing to worry about, and we could not find any bad information on them at that time.
From there we were transfered to Mr Chad Laraway.  He was the person that was the next step.  We got the money wired to Mr. Corey Noel, which he is the person in charge for co-signing for the insurance company.  Mr. Laraway had stated that with that done, the funds would be wired to our account within an hour.  We waited an hour and no funds. We called Mr Laraway back and he stated that there was a problem with finalization in the processing department.  Give them 2 hours and it will be complete.  We waited two hours and no money.  We again contacted Mr Laraway, at that time he stated that they were just going to overnight a cashier's check to us and we should recieve it the next day.  The next day came and still no check.  We contacted Mr Laraway back.  He then stated that they did not overnight it but sent it certified mail and it would be in our hands in two days.  Two days later, again, no check.  We then called Mr. Laraway back and he stated that they sent it regular mail and it should be in our hands no later than Thrusday.  Thrusday came and again no check.  My husband at this time also contacted Innova Financial Group.  The lady told him that she was really sorry and she would send it to their investigation dept. and someone would call us back.  No phone call back.  My husband called them again and spoke to another lady.  She stated that they had no investigation dept and that Innova was not responsible for Ri-del's actions.  Innova was just the application processing center.
At that time we contacted Mr. Vickers (the president of Ri-Del Financial Group).  We explained everything to him that had happened and what Mr. Laraway had told us.  Mr. Vickers told us to give him at least an hour and he will check into it and call us back.  An hour passed and no phone call.  My husband call Mr. Vickers back.  He then explained to us that the processing dept had messed up a bunch of people's loans over the weekend.  Mr. Vickers had another check issued and they resent it out.  We should have it by Wednesday.  Wednesday came and no check.  My  husband called Mr. Vickers back.  Mr. Vickers told my husband that if the check was not here by Friday then they would automatically deposit the funds into our account.  Friday came and again no check.  We call Mr Vickers back and he claimed that he never had the previous conversation with us and did not state that they would wire us the money.  Mr. Vickers also stated that he talked to his boss at that time and they reissued another cashier's check and it will definitely be here by Tuesday.  Tuesday came and again, no check.  We tried to call them and their number is temporarily unavailable.  Wednesday, the same thing. 
This morning my husband contacted Innova Financial Group again.  The lady told him that she wasn't sure why we couldn't get ahold of them due to the fact that she had just spoke with them the day prior.  She took down my husband's contact information and said that she would contact them again and have someone call us back.  He is giving them until 11am to contact us.  It is now 9:41am.  If no one calls, he once again is going to call them back.
We should have known better from the start I guess.  But after looking around we found nothing bad.  My family members have looked as well and found nothing either.  It's just hard to understand why people in this world are so cruel and unjust.  We have three children and my mother is very sick and also lives with us.  Now we are to the point of no money and no help to get our money back.