I recieved a text offering me a loan, telling me to ring [protected] and quote ref "DANNY". The advisor seemed professional and I was offered a loan of £500 which would be in my account within 3-5 working days. I was asked to pay an upfront fee of £65 which I was assured would absolutely guarantee that I would recieve the funds. I paid the fee on 09/03/11 using my debit card. I was told that I would be contacted by the lender to confirm the repayment details. The following day I was contacted by Loan Organisers who said that as my credit was so bad no British company would give me a loan so I was being dealt with by an Indian company. The advisor told me that to prove I could make the monthly repayments I would have to pay £56 upfront by Money Gram to Mo Khalid in New Dheli. I paid this then an hour later I was contacted agin by Loan Organisers who said my loan account would not accept £500 and I would have to have £650 instead but for this I would need to pay and extra £140. This is when I realised it was a scam. I have since tried to contact City Financial on their "helpline" number [protected] but no one ever answers and I have left numerous messages but have not been called back. I tried calling on [protected], the original number and asked to speak to a manager, just to have the advisors hang up on me. Needless to say I did not receive a loan and am now out of pocket by £110.