First Direct Lending, LLC Mortgage Complaint

First Direct Lending, LLC Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker Florida

I was contacted by an agent, - from First Direct Lending, in reference to a refinance. I was told that if i paid $220.00 for the appraisal which would cost $450.00 and if the loan did n't fund I would get back the money. I charged the $220.00. and sent in all documents requested and they stopped contacting me saying that my income was n't enough and I kept getting the runaround from them not returning phone calls, etc. Finally the sent me a document saying the loan was adverse and that I did n't qualify due to old delinquent credit history, and my income. I have contacted the agent and emailed him sent him a text regarding my appraislal fee refund and have not heard back from him.