Bodog, and Joseph Mann and Creed

If you don't believe me you can come to my site imgonnapawnyourwallet.com and you can try my code lol

Somebody is obviously lost on their laws crying about freedom of speech. This is a private site and freedom of speech applies only with the government.Please reread the bill of rights and quit bugging someone who knows his laws. :D

You guys are funny, I post back up and someone deletes it.. go figure.. Apparently I got to someone if t hey didn't like what I had to say.. later girls!

Guest Again, here is a link to the TOS for this forum:
http://www.debtconsolidationcare.com/tos.html

Did your post violate the TOS? If so, that is probably why it was deleted.

guest again......

put on your big girl underoos and deal with it

sorry I missed your post

I was researching similar charges to my acct. I found that my spouse did set up an account and do "business" with them. It is a debt, just because you have regrets, does not mean you should be let off the hook for your gambling. Would you have given back your winnings if they had been issued by a company claiming to be a telephone co?

Guest2, this topic has been dead for at least 10 days. I'm sure the original poster has come to some type of resolution by now. We can just leave it at that and let this thread die.

I have not come to a resoloution yet..after being told I was turned over to a collector I got another email the other day saying the same thing as the 1st and threatening to turn me over to collections. I offered to play it safe and make settlement arangements and they said they wanted my checking acct info which I would not give, I asked them if I could put it on my credit card and they stopped replying

If you are going to pay it I would suggest paying it with an item that does not have any of your checking account information on it, such as a money order.

If it's been turned over to a collection agency make sure you get everything in writing first before you proceed with payment. You may also want to send your payments certified mail, return receipt requested. That way you will have proof of receipt of payment.

Whether you pay them or not is entirely up to you. In your place, I probably wouldn't.

Do not, under any circumstances, give them your credit card or banking information. They're likely as not to clean out your account or max your card. If you want to pay them, send them a money order or a cashier's check.

I offered to pay with my CC because that way if they did anythign shady I could dispute it again..they stopped responding to my emails for some reason.

If I hear from a collection agency will it be on my credit report immediately or do they have to wait 30 days? Also if I pay the collection agency will it still show up on my report or will it be gone at that point?

I'm really not sure if it can post to your credit report, the debt belongs to a company outside of the United States and if it is sent to a collection agency they are simply managing the account, they have no ownership. It's kinda hard to tell.

Lets say it does make it on the report, I ask for validation and they cannot provide it, do they need to remove it at that time?

Lets say they can provide validation, and then I make payment arangments and pay off in full, will it then be removed from the report?

Also what is considered proper validation of a debt?

thanks

It is up to you to dispute with the credit reporting bureaus.

The trade line will automatically delete after the 7 year reporting period is up, however I believe that creditors can request deletion of trade lines, most simply do not want to do it.

You can find a good template for a debt validation letter in my signature, it will give you all the information you should request.

Laura.. very old post I realize but after I followed your posts...you made many statements in your previous posts here that you couldn't understand why a previous employer wouldn't hire you back...(I think you answered that question yourself when you later stated that quote..
"I am a compulsive gambler...I incurred charges on my credit card, bank accounts etc. However I never lied to cover up my the charges...I paid them and my family knew it.) Guest...I am not saying you have a habit...just face up to what you did..pay it and don't keep it from your wife. Honesty is the best policy. "

Laura you have done great things on clearing up your past..but should not question ever as to why a previous employer wouldn't have rehired you and how can you judge anyone here who has done the same as you? ..when you implied discrimination? because they didn't hire you back ?...were you still in denial regarding your gambling problem? ... just my opinion.. but your posts answered the question as far as facts are concerned....I see you are dealing with this and admitting wrong doings and are now making amends and are not here judging others since no one judged your previous faults... good for you!!!! not a personal attack at all here! just waiting for your explanation as I am sure you will provide here!

I do not judge anyone..I was stating my situation and the fact I had paid back what I owed. As far as questioning a former employer for not hiring me back..my gambling never cost me a job. I gave a two-week notice and quit on my own..enough said.

i am not a compulsive gambler.. i just dont want to pay

that's great laura and you did the right thing paying back what you owed..good for you..was not at all questioning your character..just wondered if your compulsive gambling problems led to job problems is all..take care and peace!

Here's a question? If this company is illegal here in the US, why did I see a commercial for them the other night on late night TV? (Couldn't sleep, don't ask) It even gives the website URL to go to bodog.net (of course add the "www." to the front)

Can't remember what channel it was; however, I would have thought the FCC would not let them advertise on TV?

Anyone know?

I too have seen that commercial on tv and wonder how in the world they can advertise this since it is illegal now to gamble online.

If you can recall what channel it was on send it to the ftc and fcc

original poster..before you pay anything..
I would at this point demand validation on debt and see who it is to and how it was coded..it can not be coded for gambling and be collected on..just from info I have read and I have asked for experts here to provide otherwise but so far haven't seen proof..I myself would not pay this illegal debt and wouldn't be intimidated with the threats from what I have seen but it is only because no one here has yet provided any links to people who have been prosecuted because I don't think they are admissible in court..yet I could be very wrong..however..don't pay unless your own personal honor system tells you you should..
from what I have researched ..on line gambling debts are illegal to process and illegal to collect on and no one here has provided link or info otherwise ...only threats from troll collectors.. if you don't pay from what I have seen

p.s original poster..
proper validation of debt..if you indeed purchased on-line gambling tokens validation of the debt would state the actual purchase and name of sight where it was processed and spent ..

it will not state for instance..telephone..clothing etc...

If they are collecting on what it posted for on the OP's account then they couldn't validate properly. They would have to provide documentation on these utility services (I think it was either cable or phone that he said it was coded as)

Offshore telecom, IIRC. That'd play merry hell with validation.

Hi all,
I was trying to figure out where a charge on my credit card came from, and via some google searches I happened upon this site (M-TLTD.COM).

After reading through the thread, my head hurts. I want to talk about the ethics of this. Initially, I almost disputed my charge, but then I realized that I had made the charge and in my mind, all was OK. I'm having trouble seeing see how disputing charges I knowingly made is good for the system (let alone legal). . . the whole system of disputing charges is AWESOME, important protection for anyone with a credit card, why is anybody supporting abuse of this system in order defraud an (albeit illegally operating) overseas company? This just seems a little bit slimy to me. Being against internet gambling is one thing, but I don't think that's what's happing here with the original poster. He's just trying to get out of paying back the money he knows he shouldn't have spent. Maybe the thought is: If we're just trying to screw those offshore folks that break our laws and try to take our cash ilegally, then we can do it both by disputing charges if we lose, and by keeping money if we win. Does that make it OK to use credit card dispute for that purpose? Am I crazy to think that abuse of this system might damage it? Or is this just another way to make a few bucks, like searching bargain websites for deals. . . am I EVIL?

I won $70 from them but they aren't going to pay it. I'd have to fill out an ID-Theft form including drivers license and passport photocopies as well as a full front-back photo copy of the card and a pencil engraving... lol. They can keep my $20 deposit. But you should hang on to your money as well. Bodog: $90, Americans $1111. W00T!

I did the same thing with bodog - disputed it because it showed up as *crap* on my cc statement. they can go to hell... i disputed, won. they sent it to JMC who calls about once ever 3 mo's... it's only $500 and i guess they don't have much time for it. the message is always meek and pathetic... and lord knows they aren't going to take someone to court for 500 or a 1000 bux. they can go scratch.

If they won't pay out when people win but wish to pursue when people owe them that lends more credential to those who have said that it is a scam, at least so it appears to me.

Hi,
I am in a similar situation with JMC. Can you give me an update to if the info went on your wife's credit report and what happened?

Thanks!
Jo Smith

Hi,
Can I have an update to what happened with your wife's credit?

Thanks,
Jo

Dont pay JMC. Trust me they cannot do anything. I owe them and they finally quit calling. They wont even answer my emails. Just tell them you aren't going to pay and they well eventually leave you alone.

did jmc get to anyones credit report

I also feel that if you know you owe the debt, pay it. If you don't owe it, dispute it. Now the huge fees and fines are another matter, but the original debt, do whats right. IMO of course!

no I posted here over a year and a half ago jmc trying to collect on gambling debt is wasting time..dispute the debt !!!..demand validation!!!!!..validation will never happen!!!! and showing up on your credit report will never happen!!!..if an illegal gambling debt shows up on your credit report wow..mars has people building houses and inhabiting I think lolroflmao! :D

Exactly, with the UIGEA and the stiff penalties that come down on US banks, credit card companies and such, they will threaten you but they can't sue you.

If a debt collector sues you for a gambling debt or puts it on your credit report, you can have it thrown out immediately. You can't sue someone for a gambling debt unless it was in a ca$ino and you own that ca$ino. If it is offshore and falls under the UIGEA and the SAFE port act, The bank who allowed the transfer is in some deep doo doo. Where talking huge fines, so they won't bother.

if gambling sites break the law and allow these transactions and code them differently other than gambling debts they should get hosed over and over again..aren't gamblers in a category of "Bad Pay" to begin with? Why should they pay if it was an illegal transaction and they change their mind about honoring debt? These sites should stop processing these illegal transactions and identity fraud and remorse would not come into play STOP PROCESSING THE ILLEGAL TRANSACTIONS!!! HELLO?!!!!!!

I paid for the item and closed they account (it was not for gambling). But they seem to be very smart and know that it was a years ago and you don't have receipts for them. How can they be stopped, if they do this?

the topic above was about on-line gambling and illegal attempts at collecting the illegal debt ===above Jason post from 2008 is not very smart?

this call collector josefh creed 2165881139 calling me last 5 years i encourge people to sue this company for damages . even if you them money the not allowed to harass people it seem that this bill collecator do what the wish and only if the pay the might stop they located in ohio use differenet dirty tactic

If you want the full details on how to dispute unauthorized transactions, and you're a problem gambler, you can go to my blog: gamblerslifeline.blogspot.com

People talk of personal responsibility like its a merit badge. The funny thing is, 95% of people have some sort of vice...$ex...drugs...alcohol...tabacco...or maybe gambling.

I love how the cretons come out of the wood work when someone mentions disputing a gambling charge...what they fail to realize is the compulsive gambler never should have been put in that situation in the first place had the laws of the United States been followed by foreign online gambling sites.

I look at it as a price of doing business in the US. You try to take advantage of people with a compulsive gambling disorder by breaking the Unlawful Internet Gambling Enforcement Act of 2006, you do so at your own peril, and know that the chargebacks will be coming.

If you want to get your money back. Here is the summary sheet:

1) Contact your credit card company/bank and tell them the company "posing" as the online gambling company is illegit. If they ask what the charge is for, tell them you don't know. It's the 100% truth. Most online gambling site's put up a front to get their unlawful transactions processed by US financial institutions. They will call themselves jewelry stores or pet stores, etc.
2) Your bank will probably make you sign an affidavit to that effect. You can sign it without worrying about committing perjury because:
a) You don't know who the company is, nor did you authorize them to charge your card
b) You've never purchased anything from them nor done business with them
c) When you asked your bank for what their merchant detail was on the transaction, it was probably anything but online gambling, which IN FACT, is the only charges you authorized around that time.
d) Most online gambling sites don't charge the exact amount they credit your account with which is another discrepancy.

So the only thing you know is that you have a charge on your credit card from a company you don't know that has an amount similar to an online gambling site charge that isn't there?

With most financial institutions, like Citi, you can be entirely upfront with the folks in their fraud department, and you don't have to worry about committing any type of credit card fraud. They say honesty is the best policy. If you are worried about it, tell the call center agent that you don't recognize this company, but you did try to send through a charge for online gambling. When the online gambling merchant code description doesn't match up with the high end pet jewelry on your statement, you're in the clear, AND you can sign an affidavit to that effect.

Financial institutions hate dealing with online gambling sites as much as anyone. :D

Wow, did you write that in one sitting? "Take advantage of people with a compulsive gambling disorder"?! How is 'gamble all you want but pretend you ordered jewelry so you don't have to pay' not taking advantage of people with a compulsive gambling disorder?! And encouraging internet fraud in the bargain?!

With this kind of "helpful info" I don't even want to *see* your blog, much less read it. But I checked it out anyway. I like the 1 post style with no profile and I wonder how long it'll take Blogger to yank it.

Almost (if not all) internet sites have a corporation with another name. The corporation is a physical entity for tax reporting purposes, a website is a "slice of cyberspace". The company that owns the website will usually be down at the bottom (the copyright notice or the Privacy Statement). (If they are a member of BBB, the BBB records will have the corporate name on it - such as this site). Ignorance of the law is NOT a legal defense, plus your charge receipt will have the name of the company on it. (My uncle does Bodog, and was when that law was being passed, it is listed as *entertainment*).

MY OPINION:
And also, the argument that you can't control gambling is nonsense - not to mention self-defeating - and is nothing more than a flimsy excuse at self-justification. Bo oze, dr ugs, etc, *are* addictions because they physically affect your brain matter thus physically making the brain require more in order to pull on the same receptors. A gambler just needs to get a life and quit blaming everyone else for his/her weakness and making poor attempts to make themselves feel like victims for pity points.

Bush had no business passing this bill and its repeal is still being hashed out. It's a dumb law that is a waste of effort and a waste of money. It's especially insulting when you consider the Indian cas inos (which clearly *are* a rip-off, you might as well flush your money down the toilet - you'll lose it just as fast) and Vegas and Atlantic City, etc. etc., etc, ad nauseum. Not to mention state lotteries. What nonsense. What more could you have expected from Bush? Most of the large online gambling sites are foreign, meaning that hoards of money isn't sliding down someone's greasy palm into their waiting pocket.... Unlike the land-locked gambling joints who don't like the competition...

"Will ban end Internet gambling? Don???t bet on it.
Bill may win political points, but $12 billion industry can work around it"
"http://www.msnbc.msn.com/id/15240569/"

It "include[s] exemptions for horse racing, lotteries, fantasy sports that offer cash prizes and tribal gaming." Like FANTASY GAMBLING that offers you PRIZES based on POINTS!! See? Another bloated wasteful nonsense law....

:roll: Typical. You haven't got the slightest clue of what a gambler goes through because you haven't been there (obviously).

Gambler's HAVE a physical condition that encourages the addiction. Dopamine receptors in the brain are triggered to an exaggerated extent when a compulsive gambler, gambles. The reaction is very similar to what many DRUG USERs experience.

So before you start talking out of your arse and down to people, try educating yourself first.

And the only internet fraud that occurs is the cas ino misrepresenting their merchant code. A direct violation of the UIGEA. If the cas inos want to break the law to take advantage of people, I say screw em. I used the technique mentioned by GamblingLifeLine, and got back $1000. It works! Chrys probably just works for the online cas inos or is an affiliate, why else would he get so pissed?

Nonsense. You can fire up dopamine receptors doing *anything* you love doing, whether s e x, cheating on your spouse, lying, milk, chocolate, cruising the internet, etc. etc. It's just a cop-out, an excuse. I don't go for all that politically correct BS. The DSM just invents one silly non-existent "disease" after another. And don't assume I haven't done any research, I've had a particular fascination with aberrant psychology since 1992.

I had a friend who drank non-stop for 15 YEARS. She had spider bruises on her face she drank so much. One day something clicked and she stopped cold turkey. IF YOU **WANT** TO QUIT YOU CAN. Human beings *are* capable of astounding feats of strength and endurance but it requires the WILL TO CHANGE instead of remaining stuck in the same old excuses. Otherwise we'd still be in the trees.

And you are making a lot of presumptions if you think I'm "pissed". Although I must say I *am* pissed that so many want to play "victim" (due to a codependent society) and because of that so many REAL victims get marginalized and end up in prisons and psych wards where it is guaranteed that their lives will become even *more* ruined while someone whines that they are helpless when it comes to putting coins in a slot... :roll:

And that's not even the point. BODOG BILLS ITSELF AS ***ENTERTAINMENT***. Quote:

That's why since A-holes like yer uncle work at place like Bodog... Expect to see him unemployed when I personally address THAT BS CASINO and every other one to MY uncle... Stay posted to the tv's... You'll love what I'm about to start. Hope yer biyatch ass uncle qualifies for unemployment after this lol