I went online and browsed for a loan and found this company that provides loans for debt consolidation. Patrick Callahan, representing himself as a account rep for Prestige Loan Services conducted the teleconference application, and required additional info to be faxed to his company. The loan required 6 mth prepmt of the loan to be paid in advance as collateral and my bank information for the ach transfer directly into my bank account. I was required to send the money to a private investor in Canada via Ria Airmail. Then at the last minute he had the money sent to Spain. I have tried to call Patrick Callahan multiple times since the initial transaction, no response and no loan. I lost $860.00 plus $62. wire transfer fees. He is a very convincing individual and has an education in finance. I believe he will continue frauding individuals simply trying to survive the recession.... If he has done this to you, please file a report at this site, maybe someone will listen