On December 17,2009, I applied to Duncan and Pruitt Financial Group, aka D&P financial group, for a loan of $5,000.00. I spoke with a Patrick Norwood, who was very pleasant and seemed very understanding to my situation. I needed the funds to pay for expenses that I have incurred because of being unemployed due to a back injury, and my benefits don't cover everything. I received all the paperwork which explained about the security collateral payment which I reluctantly paid to a Tammy Blairwood in Markham, Ontario, Canada . On December 18, 2009 I received a telephone call from a Mr. Green who stated that I needed to pay an additional $500.00 payment. When I explained that I had used the last of my funds to pay the original fee, Mr.Green became belligerent , so I canceled the request for the loan. I was told that I would have the original fee placed back into my checking account on January 5,2010. Since I did not receive the funds as promised on January 5 2010, I tried to contact Duncan and Pruitt Financial Group but all I got was an answering machine that said "Good bye" and hung up on me. I have taken the initial steps to file a complaint with the Attorney General's office for the State of New York.