I was online and an advertisment popped up indicating that disability income was now acceptable source to qualify for a 2 year loan., Consolidation or Payday loans. I filled in my basic information and included my email, cell phone number and the amount I would like to borrow. In the following weeks I had forgotten all about it, until a call from Berkeley Monetary Trust company in late Feb. 2016 The call was to advise me that my application was accepted and my loan was approved. I asked many many questions about terms, payments, rate of interest, as well as where the application site was that I had submitted. I had not ever heard of this Berkeley company nor had I solicited their company. I got reassured that all disclosure and information they received from me would not be used in the various ways of advertising or promoting Berkeley Monetary Trust.After all my questions the "Senior Loans Officer" asked if I was going to use a co signer or would I prefer to use colateral in terms of a security deposit. Over the following week I received many correspondence and also the detailed contract with all legal obligations by both sides. I had spoken and shared the documents with several friends and even my landlord believed this was a legit situation. Once my colateral deposit was sent and the "lender" receives, My $$$ loan would be issued and wired direct to my bank account.within an hour. Well not only did i NOT get anything the colateral was not satisfactory and the demand was made to issue additional funds to "secure" the loan/ I have not received so much as an email about my refund and when I have initiated contact the phone gets hung up after I say my name. The writings I received state a full 100% refund of my $645.00 will be issued, but the "cycle" of 30 days must be waited. I havent received so much as a returned email, or phone call.