David, and Erica Smith which both sounds like they have a India decent accent told me if I sent them 100 for insurance purposes due to my low credit score they would send me the money by money gram after I did that they told me after I had already got up to giving them 350 I told them that wanted my money back and at first they told me that I would get my money back on Monday and when Monday got here that turned to Tuesday then Ericka Smith said that I had to pay them 100 to cancel my application when I informed her that I was not giving money to them she said that I was not getting anything until I paid them 100 dollars then she laughed and said that my money was in her pocket