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An up front fee for any reason at all is the #1 sign of a loan scam. Any legitimate lender would take any transfer expenses from the money set aside to loan you and send you the rest free and clear. They also would not be asking for payment via MoneyGram.
Report the fraud to your police, to the FBI at IC3.gov, to the Federal Trade Commission at FTC.gov and to your state attorney general.
Granted, it would be easier for the authorities to prove that this person is defrauding you after he has already cheated you out of your money. Regardless, he is committing a fraud, and the up front fee is its hallmark.
Sorry for the delay, but I turned off my computer for the night by the time you posted your reply.
A fraud is committed when the perpetrator acts intentionally to make false representations to defraud you of your money or property.
And he would not charge an up front fee. The only reason for the so called application fee is that they have no real money to lend you and will be running off with your money. The "lender" selected MoneyGram as a means of payment because payments are untraceable. In that way, they could claim to never have received it. All part of the scam.
A legitimate lender has to be licensed in every US state in which he does business. To lend money in New York, this so called broker would have to be registered with the NYS Department of Financial Services. If he/his company is not there, he's not for real.
Report him to the sources I have indicated above.
I am sorry but justanswer is not a law firm and we are not allowed to engage in actual representation. You can contact the New York bar association's lawyer referral service to find representation.
Just checking in to see if you need more help or any clarification of my answer. If so, please reply here on this question thread.