I applied for a loan on line was contacted by Baldwin Financial Trust and advised that I was approved for a $6000 personal loan the options and conditions of the I choose the option of paying 10% on the loan which was $600 I western union the money was advised that the loan $6000 would be direct deposit into my account within 48-72 hours that never happened! Then was advised I needed to send an additional $400 due to something appeared on my credit so I western union the $400 was advised the money would be in my account by 5pm never happened! Then the last draw was I was advised the money was ready to be issued but I needed to send $200 processing fee I western union that! Then was asked for an additional $400 I refused to send any more money so they canceled the loan out and advised it takes 5-10 business days it has been 16 business days and they have refused to refund my money, return my phone calls, etc.