Beware of Don Valley Financial Solutions Inc. In early Dec I applied for a loan on a website found through google. A few days later I got an email saying I was approved for a loan and to call my loan representative Danielle Williams from Don Valley Financial Solutions to disclose my options. I called Ms. Williams who informed me that I was approved for a loan of 8000, however, because of my bad credit history I would need to secure the loan with a payment to them via Western Union of 1200.00. I am a single mom and I told Danielle that I could not afford that so she said I could send 800 and the remaining amount would be due by 2 business days after I received the loan. Being despeate for a loan as I am so behind on bills I bought the scam. I sent the money, to a man named Vaugndi Gunnis, who ms williams claimed was a western union agent that works on behalf of Don Valley and confirms payments for their company to proceed with the loan. She assured me that it would be in my bank account by the next day then when I didn’t get the loan, she told me it would be Monday as we missed the cutoff.Needless to say Monday comes no loan. I contact Ms. Williams only to be informed that the so called insurance for this loan, that apparently according to Ms Williams even loan must legally have before being released, backed out because of my poor credit and wanted to entire premium of 986.00 to be sent again Western Union and my funds would not only be in my account in 2-4 hours but I would receive the entire premium back from Don Valley. I started to get suspicious and asked her for more information about her company. She couldn’t answer any of my questions, instead saying that her supervisor would call me and answer all my concerns to make me feel more comfortable. I started doing research and quickly realized it was a total SCAM. I phoned ms wiliams and told her I was not comfortable, cancel the entire thing, refund my money. She tried to push me into just having her manager call. Then she told me it takes 2 weeks to 30 business days to refund my money. When I emailed her few days later, NO RESPONSE. The email and website has been taken down thanks to my efforts and now the 1877 number is disconnected. I’m sure they will set up as another name. As I mentioned I am a single mother. I feel really stupid for falling for this scam, but I have never applied for a loan before (only student loans) so I was naive. I sent them almost the entirety of my check and almost couldn’t give my daughter a christmas. I have reported them to every where I can think of including BBB new york, Governement of Canada Fraud Reporting, and the trade commission.