Farewell

Here are the quick points I will prepare a more detailed response and post soon:
1. purchased and then let it remain there without making changes to content and only putting the same software. (reminder to self: attach the screenshot of multiple spam one month old to prove this)
2. ampmcash.com we want to make something like prosper.com
3. cashadvancecare we want to make a forum explaining the evil of cash advance
4. we have not referred even one person to a cash advance company
5. Visitlab is a technology site for checking click frauds. It is offering great services for free.

If there is any proof you want let me know and I will be provide that. I can put my hand on my heart and say that till today I have not referred even one person to a cash advance company and never intend to.

Polly I will personally be very sad to loose you and so will everyone in the community. Please reconsider your decision.

Regards,

Vikas

Vikas I do want to believe, and I can see for myself that the site is not well maintained. However, the posts from 'clark' and 'brooklyn' certainly contradict what you are saying. Did you or any member of debtcc write these excerpts?

Quote:

We left the website non-monitored. Here are the spam posts to prove that :).

ScreenShot -1


ScreenShot -2


ScreenShot -3


ScreenShot -4

Quote:

Hi Polly,

Can I give you a call? Please let me know a convenient time.

Thanks,
Vikas

Vikas,

Let me first tell you why I want to believe you. I have placed a lot of myself into this website because I had the belief that you and this website held the same ideals as I do. I have had the belief that this was an excellent platform to implement change in what is a very corrupt system in our world.

Everywhere I look I see big businesses thriving and average folks struggling. When businesses take advantage of vulnerable people, it is shameful and immoral. I have aspirations of becoming a lobbyist, like my role model, Jean Ann Fox, and lobbying for positive changes on behalf of the little guys in this world. This website has been my starting point, and I have big dreams for my future.

As much as I want to believe in you, these are the reasons why I am struggling to do so. Cashadvancecare.com was created on 6-19-03, one day before Debt CC. Clark's first post was on 2-28-06, and I am sorry Vikas, but if Clark is Paul, then he must be your twin in linguistics, because the tone of his posts are identical to yours.

Was the name of the URL different prior to your purchase?

Did you purchase only the URL, and not the business associated with it? What is the name of Paul's business and what state is he incorporated in?

Is cashadvancecare.com under Internext Technologies now that you own it?

The Grameen Bank model sounds lovely, yet idealistic in nature. Do you intend to fund these loans solely, or do you have a marketing strategy to seek out FDIC lending institutions to do this. Do you intend do use the same type of referral system?

Vikas, please understand that I had an inner struggle going on for hours before I started this thread. I knew when I saw the privacy report which linked back to visitlab.com that you owned the site. It wasn't until I discovered that the MT address was phony, that I got really upset. I had true feelings of betrayal. You have always encouraged everyone to resolve issues openly. This is what I am doing because I feel everyone here deserves to be part of this and have the opportunity to ask questions.

I have always know that you are an entrpreneur, and that is a wonderful thing. This is your opportunity to spill the beans. I found cashadvancecare.com totally on accident while looking for items to post within the Political Action on Debt forum. Obviously the world wide web isn't always as big as we would like to think it is. Are there other sites out there, aside from what you have posted above, which would make one of us scratch our head and say hmmmm?

I want you to prove me wrong Vikas. I really truly want to be wrong. So far you have not convinced me. Please convince me.

I am not certain what will be the best time for that phone call right now. I will let you know.

Peace,

Polly

Vikas, I want you to know that I feel the same as polly.

Sue

Quote:

Vikas,

I understand you wanting to help people but why would you want to run a payday loan company at all? I'm with polly on this and just don't get it? Why can't you take the site down?

Sue

Hi Sue,

As I have already explained my intentions about the website cashadvancecare.com which will be for a noble cause, I request everyone to give us sometime so that we give a new look to it with the points focused. We will hold a community vote after the website is renovated. Your votes will decide if it should finally stay online or closed down. I will accept what the community will decide.

Thanks
Vikas

Vikas,

I am a bit confused, are you getting into the payday loan business? After I read your first reply, I thought it was a forum that would be established to voice our opinions against payday loans. I'm sorry but this is very upsetting if you choose to get into this type of business after the problems that have been posted on the forum over the last several months. I see the site has much spam and not well-monitored but this is disturbing to me. I hope in good conscience that getting into the payday loan industry is not even a thought for you. :cry:

Polly,

We don't want to lose you as your have been such an inspiration to us all who have gone through the payday loan mess. You have been a big help to me but this is disturbing to me as well.

I'm with Mishele-don't want to loose you Polly,you have helped many prople here. So,I am really confused,Polly,are you saying that Vikas already owns a pay day lending company,too? VikasI really didn't understand what you meant when you said something about voting?For what? I know I am slow,but could both of you explain in plain,simple terms?Thanks...Karen

Hi Mishele, Hi Bossy4455

I am not going into the typical payday loan business. I am aiming at a forum that will explain the evils of Cash advance. The site will be something similar to www.prosper.com. I posted this above and here it is again for your understanding it better.

Quote:

Vikas,
I think there needs to be some explanation to the members. It looks to me that you're playing both sides of the fence here.
Offering loans for "quick cash" is nothing but a way for the lender to make money.
We have spent an enormous amount of time and energy helping these people to revive their shattered lives from the payday loan business.
These types of loans do nothing but exacerbate the problem.
I can't even believe you would consider this. As we all have indicated here, this is quite disturbing evidence.
It would behoove you to reconsider this decision as you will not have any proponents, and no amount of "voting" will reach the decision you are looking for.

In all fairness, I attempted to apply for a loan on this site and it led me to a dead end page.
Vikas, my suggestion would be to shut down that site completely to avoid further problems about your questionable activities.

...this thread has my attention, so I have to comment.

I have never taken a payday loan, mainly because I have learned how evil the industry is as it currently stands -- I would support shutting down the entire payday loan industry, but I cannot see that happening because the industry would be able to pay off enough politics to thwart such an effort.

If the model being proposed by Vikas is along the lines of prosper.com -- featuring short term loans that are payday like in nature but not in practice or structure, then I could actually see that working -- however, the credit screening process would have to be at a higher standard than what stands (meaning less profits and defaults), and individuals should not be allowed more than one loan at a time, that is, no paying fees to extend the original loan with another loan which leads to the horror stories that bring many to this site.

Not that I really care, I do not, but if I think the idea could work if all things were upfront and special emphasis was placed on educating loan-takers to the general overall dangers of financial mismanagement.

...just my two pennies.

Ok, I've not been able to fully check out the other site yet, But I will give it a thorough investigation later tonight when I get motivated.

Vikas--If you truly want to start a program as what you're saying you do, I think that could be a positive thing...But the lenders are going to need to be screened somehow to keep the shady ones out, right? How would that process go? I get the general idea of the concept, but need to understand it better.

Couldn't you just shut the site down until you get it situated the way it's supposed to be?? I was on the phone with Liz when she attempted to sign up, so I know it doesn't work..Unless we did something wrong in the process....That's going to be part of my investigation.

The site from what we can tell does not ask for any financial information, which was a relief to us. But I'd like to see the site be put down for now if possible...Just for peace of mind, ya know?

--Jessi

This forum is so anti-payday loan (as it should be in my opinion) that people have a right to feel some hints of possible betrayal -- I do not blame one person for voicing concern regarding the info Polly found and reported on (and I share the same concerns) -- however, I also do not begrudge Vikas's idea (assuming) that a new standard and ethical way regarding short term financing can be done if done with honorable intent.

Again, I would have everything upfront and spelled out -- doing so would have lessened the shock many are feeling upon encountering this thread, instead of inadvertantly giving comfort to the payday loan vultures who love to depower and divide those seeking help at invaluable sites such as this one.

...I'll shut up now.

Codie--Don't shut up. :)

(Where in Ohio are you by the way?)

Anyway...Yes, I agree with Codie that it would be nice to have everything spelled out...The specifics.

Codie - please don't shut up. You have added a lot to this discussion already. I was online with polly last night when she discovered it and to say the least we were shell-shocked. I think the concept that "Vikas" has may work but at this point it is hard to grasp or even understand why someone would want to get in the payday loan business. I think honesty is the best policy and I'm not sure that's what we're getting right now. Please stay with us on this everyone.

Me? I'm in the Akron-Canton-Youngstown area.

I don't think I've been to Plain City though...Columbus area, right?

I have been reading this forum since December 2005, but didn't join until March 2006. :D

Oops...I thought I was logged in! :shock:

:P

Sue, I agree. I think what has happened is hard on all the people who value this site. I hope every thing works out for the best. This forum has been a lifesaver for so many people. I know that we are only on-line but I value a lot of people's friendship on here. KYSIDE38

Everyone has taken so much time to form this togetherness. Let's not break this bond with each other. This can hurt a lot here. Polly, I hope you are reading it? I also wish that you feel better soon. I know you will always make good decisions as you have done till now. See what others are feeling for you (myself included). Don't keep it to your heart. Talk and clear it out.

I have done a lot of soul searching today. I will not lie. I do not belive you Vikas, and I do not say this lightly.

I believe with every fiber of my being that you are 'Clark' on that website. I think every single person here can look at Clark's posts and see Vikas's name on it. The things that Clark posted follow the theme of the services on that website.

I believe that regardless of what your intent was for that website, that you are misleading us by denying that you are Clark. For this reason you have lost my trust. If you would have said yes I am Clark, I would have had an easier time believing everything else, but now I cannot believe one word of what you have said.

I am certain you will develop cashadvancecare.com to follow closely to the model that you have laid out, but I also believe that you will start a new website to gather the PDL referrals, which was your true intent for cashadvancecare.com.

I apologize profusely if I am wrong, but I sincerely do not think that I am.

I am going to seek out a new home on the net.

Peace,

Polly

ok, I'm going to join in here finally...I've had conflicting emotions,and it's been a flurry of phone calls between me and Liz and Polly.

This board saved me last winter, and I hope I've contributed to saving some others. No matter what, we can't take away what this place means to us. This is about us, and all the people out there who need our help.

I won't leave here..Vikas asked for 6 months to prove it. I am confused and shocked, but people need to be educated, and I've always liked being able to do that.

Does this make me weak and unprincipled? No, not at all. Like I said, I'm just as confused as the rest of you. But I too was on the phone with Liz when she applied for that loan, and that site was dead

I have a few questions that I need answered myself. I hope that these get answered. In the meantime I have no choice but to give Vikas the benefit of the doubt, and stay and help..Not for the people who run this site, but for ME, and the people who need my help.

Quote:

"Vikas"

What are you using for names on those two sites? Please be honest with us.

Sue

I think there are too many emotions involved here.
This
place is a message forum and should be taken as such. It's great that many people have been helped,and possibly saved from disaster. With that being said, I
think too many people are treating this forum with much emotion,don't! you're only going to get hurt.

Don't let one person ruin your experiences.It
seems alot of friendships were made here,just the way it should be.

If "Vikas" is able to smile and sleep at night as he lines his pockets with others misery,so be it! Don't
make it your problem.

Just cut the emotional attachments and move on!

I was also very upset when polly showed me this last night and I also started doing some research.

I also want very much to believe that Vikas Ultimately has honest intentions. As with every member of this community we owe it to Vikas to hear him out and to look objectively at the supporting documentation he provides.

The Issues surrounding payday, case advance, what ever you want to call it evoke strong emotions especially in this community.

Everyone, PLEASE check out the link to the wikipedia entry Vikas provided in an earlier post about the Garmeen Bank. It is actually a novel idea, and one which I think many in the community could come to endorse. It's not High Interest, loan sharking type loans we have come to expect from this industry. Please look at all the information before making rash decision and judgments. There are some criticisms, but those are issues which Vikas can address in his "own" bank, and based on what he has seen in this community I would think he would have a blue print on how to address those issues.

While still weary, I will give Vikas a chance to develop his idea before forming my finale opinion.

Vikas, I would like to talk to you about these ideas sometime, I have some other random thoughts running through my head, but would like to talk to you and get some clarification before posting them. When would be a good time I could call you (if thats ok) and what number should I call ( you may PM or email it to me if you wish).

Ok, so far there are 2 sites you have? After reviewing your ampmcash site, I'm becoming a little skeptical.
I honestly don't know what to think now, but I'm going to take a little break from here for awhile.
I've met some good,honest people on here, and for that I'm thankful.
Roadwarrior: This subject DEFINATELY churns up many emotions! These people picked me up from a very dark place that I never want to see again. U BET THERE ARE EMOTIONS HERE!!!!!
With that, I will say so long for now.

This is a forum with information,that's all! Let' end
the drama and get back to the business at hand....posting useful information.

Yeah I'm with Fins and Clay,I am not leaving this site for now. I think there should be given time to correct,change and explain this throughly. I have stayed and will continue to stay to help give others hope that there is a better way,to educate those on their rights,and to hopefully help others,like I was helped :D ...Karen

Ok, I have visited both sites, and both are basically skeletons....neither one with a whole lot of anything.

Roadwarrior...Had you been around between the months of November/December until the end of February, early March, you would understand why we get so emotional. This was the time period when we began to really break ground with the PDLs and it's when we started to put our lives back together. We've become a family--Both here and otherwise. Many of us talk offline..And not just about money issues, we help eachother through anything and everything.

It's fine if you don't feel that way, but don't knock us for it please..lol We can't help it. :)

Jessi....

I am not knocking you! Just seems everyone is putting alot of "Emotional Energy" into this site. All this
is is a forum for people to help others,which is great!

And it's great people actually "talk" to one another
outside of this forum,that's the part that counts.

I would think from what everyone has been through,pDL's,crooked collections,etc. that people would be a little weary of things,and not surprised
when someone is out to scam you,as "Vikas" seems to
have done.

So Jessi,respectfully I disagree with the notion of
this forum being a family.

I also realize Being a moderator you have a vested interest to keep members involved in the drama,I understand that.however,it's just another forum.

Respectfully,

Mike

Mike,

Let me jump in here with hopes of maybe helping explain what Jessi meant or I may be way off. I think that the feeling of some of us is that our trust in "Vikas" is no longer there. The "family" comment does mean something to me also because I have made some good "friends" here that I talk to either online or on the phone pretty regularly. I agree with you that this forum is a place for us to help others and get help, we've all done that and hopefully this forum will continue to do that. I don't think that anyone wanted to create "drama" or to keep people involved in drama, Polly just wanted others to be aware of what she had found because it's only fair to everyone for them to know what is going on. I agree with her but I'm not sure what I am going to do right now, I don't have a lot of trust in "Vikas" partly because, yes, we all hide behind our aliases (I don't but some do) but if he would have been upfront with polly in the first place and admitted who he is on the other sites then I think the reactions would not have been so emotional.

I have a lot of respect for you and your situation, Mike, and I really enjoy what you contribute and our conversations on PM. I think what you are doing and have done is excellent.

Check out the other 2 sites this morning if you haven't already - "Vikas" has changed them like he said he would.

Take care,

Sue

Well, I can see that I have definitely missed something the last few days. But, like everyone else has posted I feel somewhat betrayed---but Vikas if you are sincere then use those six months you are speaking of to reassure all of us.

I have been following this thread and I also agree with what the others have posted. I was shocked when I read it. I hope Vikas you will keep to your 6 month promise.

Hey Sue,

Like wise!

I checked out the new site. At the lower left hand
side there is a form inviting me to apply for a loan.

Mike

Yeah I saw that, I think he "missed" that, I think Jessi or Erzeke tried it last night and it didn't work. Did you try it??

No! I know better!

I knew that, just testing you - LOL!!

hmm.. let's leave it on time. I wish Vikas proves with his commitment. I think he will understand what the situation demands here. We all know how much attentive he has been to this community over the past months. Suddenly, we found something about his project that is unattended and not working presently. We are making judgments because of the fact that we saw it in front of our eyes. We didn't see it functioning???right?

If it had been in working stage, there wouldn't have been a few pages in it. He explains he doesn't intend to do payday loan business. We can't oppose him because the website is just there and not doing anything online. He intends to explain something but our mind is not accepting anything because we were bitten by the payday loan sharks in the past. And we are just culminating fear inside. Nothing else, if I keep myself in the situation where I want to explain something that I think is good, I will feel bad if no one accepts it.

Vikas, I don't know what to say here, but I feel for you. You need to prove something over the period of time. You have to kill our fear. I feel your intentions are good and you will get my back.

BTW, I came here to say here that our community is very helpful towards the new visitors in the new topics. They are left unattended. We need to help them too. :)

Roadwarrior,
I support Jessi on the family theory..We have been through so much together, some of the people on this board know me as well as my friends in the real world. Some of us have spent countless hours in chat having conversations you wouldn't believe..And I can never forget the times when I thought I'd never see the end of payday loan hell, and the people here cheered me on. And when I finally did come to the end, they cheered me on again.

This is an important place to me, and to others too. You bet we've put a lot of emotional energy into it, the debt situations we have been through and some of the choices we made in the past are humiliating, and all we had was each other. It's not drama, it's real-world friendship. This is not the only place a lot of us talk.

Like I said before, this board is about us, and what we can do for people.

Just think, if Vikas was really having bad intentions behind our back, he would never have done something to make this place better and better every single day. Those who are regular here know how thankful we have been to Vikas at times. A person with bad intentions would not have gained that support from others.

There are many other online forums in the internet. I didn't find a single one having such a bonded community and feeling for others. You can participate anywhere and roll that thing. But you can build a strong relation with others only when you get the platform and support of others. I have often seen Vikas logged in late at nights here and working on new things just to help others. The next morning, he posts happily and shares his new creativity. If he is that bad, he would have never cared for us. He would have had the attitude ???who cares' But we know it's not that .. It takes a long time to get some value in front of everyone but one single moment is enough to ruin it completely. I don't want to be ungrateful for something that never served the purpose because of which this conversation started. It's one bad day to go through these bad moments. Polly, I am missing you, so much. Come back!!

Andy-
There is absolutely no doubt in my mind that Vikas cares for us.

This is actually turning into a positive thread..we're able to talk it out and work through our emotions.

Fins, talk to Polly also. She is also feeling hurt and so is Vikas. They both should talk for once and they only can sort it out. We and everyone here are participants in this topic, I guess. I still feel there will be good things and peace before this thread fades away.

I respectfully disagree!

That's a dangerous way to think Andy,that a guy that owns a website cares for you. That's what killed
the followers in Jonestown. They believed so much
that their leader cared for them that when he told them to drink of the kool aid,they all partook.We
all know what happen then!

I know that's an extreme example,however the train of thought is the same!


Respectfully,

Mike

Geez, go on vacation and all hell breaks loose.. my turn..Okay Vikas, Polly laid down some serious charges and you have responded, and yes there are some emotions and bonds between those who post and interact here, hell aI nkow there have been some good friendships made...

What does all this mean to me.. well 1) Vikas and Polly need to have a heart to heart 2)Even if Vikas was up to no good on other sites, it does not affect the value of this forum 3) Although I believe Vikas to a point I also understand Polly's skepticism

4) Even if it were true that Vikas was in the CA business, I would not quite posting here as long as this forum had value and I would not consider Vikas "bad: as long as he was conducting business in a lawful manner. I say this from the viewpoint of whatever he may be doing elsewhere, Vikas has fostered and created a very valuable forum here that is truly helping people.

As for the J analogy, not only an extreme example but a very wrong train of thought, that my friend was a personality cult.