I was contacted by David R, when i filled out a request for more info on getting a commercial loan. He told me that he could get me a sba loan, but first i needed to send him 935.00 dollars for a business plan and 2 appraisal. Until he emailed me stating the fee was refundable. I did not send the fee right away. He emailed me, call me daily to assure me it was okay. I finally sent fee through a bank debit out of my checcking account. After that all communication stop, no phone calls. Answer or emails returned. i received no business plan or any other communication. He told me it be be 45 days to get the loan but he needed the appraisal done immediately to get an response. Its been 6 months, he want return my phone calls or emsils, and the couple he has returned, he said he waiting on bank.. all communication has stopped, and i have not got a refund.