New Scam Be careful

I like the sappy stuff, because I was one of the ones who responded to you! :D

I remember...and will never forget!! And will never be able to thank you enough!! Now go have that smoke! :lol:

Roxy...I think you are well on your way to becomming a valued asset to our forums!!!

LOL @ cannr's remark about giving advice on the law....I find myself doing the same regarding PDL law at work anymore. Recently had a co-worker receive a phone call from a LEGAL storefront PDL - they were calling him because his friend (also a co-worker) had used his name as a reference when applying for a PDL with the storefront lender...and when she defaulted and wouldn't return their phone calls, they called HIM in order to find her. (She is the switchboard operator, they came through the very person they were seeking in order to find the person she listed as a reference!) My co-worker asked me how to handle it, and I unleashed a load of PDL law info on him, kind of flooring him, I think. :lol: I told him to make sure his "friend" understood that she was not to use HIS name as a reference for a PDL ever again. I think she was pretty embarrassed when he e-mailed her and asked her why a PDL company was calling him in reference to a loan because she wouldn't answer their calls.

Moral of the story...if you're going to borrow from a PDL - which I don't recommend in any way, shape, or form - return their phone calls so your friends/family/co-workers don't get involved - and they will, because these companies will call any number you give them if you don't return their calls.

MOrningstarr- Thank you so much..It means a lot to me. You all help people so much and it is awsome to be a part of it.

You're right, suebee. If it's a LEGAL pdl (storefront) and you do not contact them, they will call your references. Not fun. If it's a LEGAL pdl (especially a storefront), contact them in some way. Send a letter if you want to (keep copies). At least inform them they can contact you via YOUR telephone number or that you need to work out a repayment plan or something. Otherwise, they will call your references to "find" you. Illegal internet pdl's; however, never did call any of my references.

Today, I really hit the jackpot.Not only did I win the Spanish Lottery. I will share my millions with all of you, But I got an incredible job offer from the UK.
All I have to do is send, my name , address, ss#, telephone #, and a photo to get started with this job. I will be depositing checks into my account, and then forwarding the money less my 10% to some British Contessa. Do they even have contessas in England?
OMG, when will this stuff go away

Now they are asking for a photo?? WOW! :D

Yeah a photo.Can you believe

How about one.....of your middle finger :lol:

Very funny !!!!'
It is sad to think, that people do fall for this crap

kash, would you please send the photo in???? I'm waiting to get my share of your millions! :D

Cannr, you are first on my list. Dont worry your money is forthcoming. Please give me your address, phone #, ss#, bank account info and 8x10 glossy.As soon as I receive the above documents I will forward it on to the contessa

You can always send the the Mona Lisa...LOL

Kash - I thing the picture you used for your avatar would be the best unless, you could get the picutre volley is talking about as an interactive :lol:

Glad you guys like my Mona. Yeah an animated middle finger. we could all use one. Ill Pm Mike. LOl

I am sure he will get right to that for you... :lol: Just thinking about sending that as a response to the nastygrams from the pdl's cracks me up... :lol:

I'm so glad this site is here. It's not very likely that I would give out my info to anyone claiming to be the IRS, but still, I would not have known about this otherwise. I get emails on a daily basis saying they can help with this that or whatever. I'm not falling for any of that again. The ipdl's were bad enough. I've paid back all that I borrowed, but I refuse to pay a cent more. They keep sending me emails saying that they can contact my bank and get my account number and whatever, but I really don't believe it. If they could do that it would have happened already I'm sure.

Billy, I hope you closed your old checking account, and opened a new one at a different bank. This is what we usually advise people to do. Often these IPDLS law low for a while , and then start taking more money from you. as long as they have your banking info you are not safe from them.Just when you think that they have gone away, they pop up .Please keep your money safe from them

That was me Kash, as usual I thought i was signed in.Actually I was, but got kicked out.DUH

I've done that several times before. I did actually change my bank account and to a different bank. I had one person in an email tell me that they could get my new banking information and take their fees, but I'm not that stupid. A few years ago a similar thing happened. I had taken one ipdl out and kept paying back every two weeks when I got paid. I had it set up that they take the fee plus $50 as a pay down towards the account. I had thought I had paid my share. I had no clue at that time that the ipdl's were illegal in this state. I'm a lot more knowledgable now. Well, I got tired of them taking all that money out of my account after I had paid back the money. I think it was for $500, and I know I paid something like $800. So I cancelled my bank account and opened a new one somewhere else. Then years later here in 2007 back in March my husband and I were going to be late on our mortgage so we took out two ipdl's. One for $150 and the other for $300. The smaller one we paid back an amount of $198 and I think they said we were supposed to pay back $200 and the other we paid back $302 and they said it was supposed to be $390. But when I started getting debits from my account from the number from Westbury Ventures then I came here found out a whole bunch of valuable information and closed my bank account. I will never do that again. Anyway now the $300 loan is with Westbury Ventures and they keep sending emails and now a woman is calling. She said on her message that it was passed to her as someone who was attempting to perform bank fraud or something, then she said but it looks as though it's just our bank information that's wrong. She's also sent a few letters stating just pay back what you borrowed only, but according to the community I have already done so. The other one someone called a long time ago from some collection place and said that they would settle it for $840 but if I was to make a payment over the phone that day he would settle it for half. I said that there was no way I was paying $420 on a little $150 loan that I already paid $198 on. So he then said something and I hung up and his "supervisor" tried to call me again several times after that, but I never answered the phone. I often do wonder though if I did the right thing, but since he said that someone would show up at my home and husband's job and nobody has, I'm pretty sure that he doesn't have a leg to stand on.

Billy, I am glad that you realize that these people can not touch you. These are all just idle threats. Stick to your guns and you will be fine

It does get hard sometimes. I have so many people ringing my phone off the hook these days, but I hope to one day be an inspiration for others who come here. I don't claim to know everything, but what I do learn I absorb and I would definitely love to pass that on. Thanks for your encouragement and support. It's been really helpful these last few months. :)

Billy, Everyone here is really great but it only works if people stick around to help the new poeple who come along. Jump in where you can...whatever you are comfortable with.

Billy..I don't remember what state you are from but have you sent the C&D letters and filed complaints with your AG...that may help to stop all the calls and such..

Billy...these IPDLs seem to use the same tricks on everyone...I have had them call me and threaten to show up on my doorstep. No one ever did..the worse experience I had was with a "Tim" at Cashnet500
I called to check on my balance to see what I had to pay...when he answered I asked if this was he...I then hesitated for a minute to gather my thoughts...he literally screamed over the phone "what do you want lady..speak up or get off the phone..I'm busy!" I immediately hung-up and never spoke with him
again and called my lawyer. My lawyer handled it from there and they got nothing else because that was when I filed bankruptcy. I should have learned never to get another PDL at that point...but I didn't and I am dealing with them again. However I vow to never return to any PDL site again. I am now working with a debt relief counselor and I am enjoying the fact I can have my paycheck again.

Laura, you are certainly on the right track.Please never ever get another PDL. Dont even look at the sites, its too tempting. I get tons of e mails from them , but i delete without opening them

I block and delete them whenever I get them. BUt they still keep comming. The sad thing is I am getting offers from companies I have defaulted with..for being an excellent customer. Uh Huh..I'll bet they need more customers like me.

What they need is your new account info, so they can start debiting the hell out of your account. Roxy, dont even open up their crap.

I don't open anything. I delete it all and send as many opt outs as I can. They still keep coming though. I can't believe how many times they pop up with need $1500 right away? Don't worry just fill out our short form... you know the rest. Uh ah not me. Not again ever. They're not even tempting to me anymore. They just disgust me. I never thought to forward the letters to my aig. I'm in Maryland so I think it's the dept of finance with the dllr. The other company never sent anything in the mail. And I check my mail religiously. They have only called me. I guess when they realized that I wasn't buying their junk that they could show up and serve us papers they stopped calling. The one ipdl that I got years ago ended up showing up on my credit report though in the amount of $205. I think I sent them a money order for $5 right after I closed my bank account back then and then I never heard from them again until I saw it on there. It just says Cash Advance. Can they do that?

Kash- I absolutely do not. I just block and delete. (Sounds like a sports move) I know they are up to no good...but it does give me a good laugh. They put it right in the subject line. I am getting where I have my junk mail set to delete automatically.

You know I think I really need to go through and do that. I've gotten a few of those too. Because you were such a good customer blah blah. It's all a big scam to get the bank info. It's like yeah we'll give you an advance, but then we're going to take all of your money on your next 26 paychecks regardless of how much you've paid back!! What a riot!

Me too. I cant imagine why they keep sending this stuff.I am so paranoid, that i think they just send it to get account info. I believe that the ones i get are "sister ' companies of the ones I defaulted on

They all end up with the same pdl loan buyers though. I get ones that say quick loans for women. Very discreet. Sure I'll bet it's discreet!! So you don't get caught operating illegally in a state where you shouldn't be working in. The sad thing is though, some people just need it so badly for whatever reason that they keep doing it over and over again.

Most likely. I am getting nervous becuase I have not really received any communication from four of mine. Two of wich are well known on this board..GFSIL and a MTE :twisted: company.. I jump every time the phone rings. But I try to tell myself this is better than them calling and yelling at me. It is just the waiting and not knowing....

Unfortunately because we're going through debt settlement our phone rings off the hook. I still jump to see who it is though because I also run a childcare business out of my home so it could be potentially new clients or one of my parents ringing the phone. I can never just pick it up. Of course the one time of day that I do go to the bathroom (during naptime) is the time when new clients seem to want to call and they never leave messages. The bill collectors can't follow instructions either I have three options for mailboxes set up on my voicemail and they always put their message in the daycare inbox instead of pressing 1 for the family line. Geez

Well...we have established that many of them are not really that smart. Nor can they follow directions.. most of us have sent letters asking to be contacted via usps or e-mail only..not to call and they call anyway.. Some have even been called at 5 in the morning and others have been yelled at and called names.

Hey! Regarding these scams....at the bank I work at, we always ask people where the cashiers check is from when people bring one in to deposit or cash. Once you endorse and item (sign the back) you are accepting ownership of it. That means if it gets returned, even if it's a scam you fell for, YOU are the one who the bank goes after for the money. It's really sad, but endorsing an item makes you legally bound to it. When you deposit a check into your account, and the funds are instantly made available to you, it's like the bank is giving you a loan on that amount. Because, really, the bank hasn't collected on that check until it clears the bank it's drawn on. So, with the cashier's check, the bank is loaning you money on a fraudulent item. We also have about 10 questions people have to answer when they do a wire transfer becuase of those Nigerian scams. I hadn't heard of the IRS scam, but I'll keep my ears open at work for people talking about it.

swedish-you are 100% correct..the depositor is owner of the deposited instrument.

At your bank that you work at, all employees, especially on the retail side should be fully aware of any financial scams. Check with your risk and compliance area for fraud alerts.

Now see, I was never one to fall for those emails that says they need someone in the US to deposit funds and what not. How dumb do these people think we are? I get those emails all the time. They come as job notifications for people who work at home. I would never take something like that to my bank to deposit. In the past if I was ever suspicious of someone's check from their bank I would go to their bank and cash it or check with the teller to see if it's good or not. I'm just a very skeptical person I guess. Ha!

Swiss and Volley, I think I am just going to hide all my $$ in my mattress, only accept cash from anyone and only use cash to pay for things..This is really too scary..Now I sound like my Grandfather who did not believe in banks and kept all his money under the pad on the dining room table and in holes in the basement floor. :lol: I went to cash a check from an insurance co and it took an act of congress to get it deposited. It took them atleast 10 minutes to deciede it was real...I was livid and immediately changed banks. Like I would forge a check from State Farm.

Billy, I have gone past skeptical, right into paranoid

Hey I got a check from them too!! It was pretty cool we weren't expecting it at all.

My husband feels the same way you do Roxy. He says all the time. I'm going to just get rid of the bank account and keep my money in my pocket like I used to. It's so funny to hear him go on his little rant about how the banks are all corrupt.

Banks are right on top of the fraud...I sit on a committee that reviews, monthly, new finacial fraud schemes. The keys are this:

If its unsolicited, even if it with a company you deal with, call them. Do not call the ph# on the check but the pho# that YOU know. Most of the time the ph# on the check is also fake.

I love that volley knows the "bank stuff". Thanks, volley! :D

:D Least I can do to help....everyone here has been outstanding with helping me with my situation.

As new scams come about, and they will, I will post info.

Volley you rock!! That is awesome information. I hate being taken advantage of. And in my life I've had tons of people try it. From ex roommates to people who I don't even know. I'm very suspicious of things and sometimes as has been said by kashzan paranoid too. I helped my sister out years ago she needed some money she said something about a loan and that she was going to pay me back everything that she owed me. This being my older sister you would have thought that she knew better, but she was taken for a sucker. After she lost my money then she told me what it was for and that she needed $750 for a guaranteed loan program. If she would have just told me this beforehand. You don't ever give money to someone from whom you are trying to borrow it. I look back at this now in disbelief that I didn't probe further into my sister's way of thinking.

Ahhh yes, nothing like starting the morning off with new scam info.....

Here is a a summary but if you would like the ENTIRE story, please PM me. It might be too long to post and it has a website ( can I post a website here?)


"The Financial Crimes Enforcement Network warned about a scam in which consumers receive letters that say an automatic stop order has been placed on a large sum of money that is being transferred to them. The letters claim that a "clean report on fund" is required to obtain the funds being held. They instruct recipients to pay an agent broker a fee to obtain such a report so that the funds will be cleared and not confiscated by the "United States Treasury International Monetary Fund Policy." FinCEN said neither it nor any Treasury agency sends such notices."

That's just as bad as the old rich man with cancer who wants me to send him my checking account information so he can deposit money into it. Yeah right!!

Sad part is, that people really do fall for this stuff, and lose everything they have.