The More You Lose The
No Tom, Dick or Harry
Making Life Miserable
From: Gilbert Guaderrama
Subject: MLM Inquiry
Date: 02 Apr 2001
I think your website is very informative. I've been interested in
MLM's for quite sometime, but I get really confused with so many
so called opportunities available today.
With so many companies on the web today, it's hard to tell which
are legit. There is one company I'm interested in and I would appreciate
your comments on it if you have some time. It's called "Retire
The website address is: www. retirequickly.com. It's
supposedly chaired by a Mr. Steve Reese, a financial planner out
of Florida. If you believe it's a good plan, please let me know.
Thanks, Gilbert G.
As it is up to the authorities to charge and convict pyramid schemes
I can not voice an opinion on this "opportunity". You
should determine whether it meets all of the standard requirements
under the definition of such things.
I use www.google.com for finding background info on different topics
and sites. Do a search for pyramid schemes on my site and check out
the internet pyramid scheme section for details. I don't cover current
operations but www.worldwidescam.info does.
You will soon see a similar vein in all such operations, though
once again I do not endorse or condemn such concerns and leave it
up to authorities to finally get around to it. Do not waste
your money before doing some more research.
Your Search Is Over
Hi - I did a quick search of your site and since I didn't find this
particular outfit, thought you'd be interested in adding it to your
Please see letter below I sent to firstname.lastname@example.org
Hi - Just letting you know I received a call last night from First
Financial Network claiming to offer an unsecured Visa card with a
lifetime 0% APR and no late charges for a fee of $219.95 from my
When I asked for them to mail something to me so I could look it
over, I was informed, "We don't do that". When I
asked them to e-mail me instead, again I was told, "We don't
do that", whereupon I told them that if I could not have written
confirmation of their offer, I wasn't interested, and ended the call.
At the beginning of this dialog, I was told that they had found
out on-line that I had applied for a Visa card and wouldn't I like
to have a Visa card that reported to all major credit bureaus. Then
they asked if I was interested, if I was over 18, and if I had over
$800.00 a month in income. Then they wanted my checking account
number to withdraw the funds, with a promise of an unlimited line
of credit for all time.
Since this is obviously a scam, I am reporting this to you and asking
you to remove my telephone number from your lists. I would
like to receive e-mail offers but not telemarketing calls.
For more info on such Credit
More You Lose The Better
24 May 2001
I love your site. I haven't had a chance yet to thoroughly
digest it, but your writing is great.
I'm a CPA who, for the last eleven years, has worked with several
hundred people of the possibly 3,000 victims who were defrauded by
Walter J. Hoyt, III, using cattle partnerships as investments. The
brilliance of his scheme, however, was that the investors used their
tax money to fund his operations.
Continued at Partnerships.
Tom, Dick or Harry Wanted
30 May 2001
I thought you might like to add this to your archive of scams and fraudulent
sweepstakes files. Man your site is great! I actually did
call when I saw the email below but when I heard the girl on the other
end I got a little sketchy so I bailed.... researched and found your
Thanks to your site... I still well, have almost no savings...
but that's not your fault.... but it does make me feel better
that I have close to nothing when I read that these scams can
rob you of your life savings.
Thank you for creating this site, I am going to definitely
add it to my favorites. To think people try to get away
with the most unbelievable stuff... and most of the time they
From: "Important Phone Call"
Subject: Do you know these people?
To Whom it may concern:We're trying to reach Jeffrey, Chad, and Suzanne.
If you know them, tell them to call us immediately at the toll free number
The private code for the three people is CD2001. Make sure they
call us quickly. Thanks.
Call 10:00 am to 10:00 pm EST Monday through Friday 10:30 am to
4:30 pm on Saturday
This offer is brought to you by Consolidated Media Services in
association with GroupLotto.
Love to hear from readers, especially when they are complimentary.
I have yet to hear of the example you sent me though I do tend
to avoid current stuff because they like to sue detractors and
have a lot of victims' money to pay their lawyers. I have to wait
until they are charged before I can comment on them. I will
post your example though. Be sure to sign up for the newsletter
and tell your friends.
20 Apr 2001
I really need your help to report fraud to the proper government
office. This company,
Access Resource Services Inc.
1007 N. Federal Hwy. Suite 272, Ft. Lauderdale, Florida, 33304
is sending me collection letters for a phone call I never made. I
don't know how they did this. I call AT&T and they said
there was just background noise on the line.
I don't understand how they could make this happen. I have
sent them a certified letter and just received a demand for payment
letter. The date they committed the fraud was on 2/07/01
at 01:15. Cost $34.93, duration 7 minutes.
AT&T took the charge off my bill and I also called my local
phone company to alert them and Ameritech told me they are receiving
many complaints. I need your help, please.
Thanks in Advance!
I really can't give qualified legal advice but if it was me I
would look through the list at http://www.crimes-of-persuasion.com/Victims/reporting.htm and
likely contact the FTC, the FCC and the state attorney. I
would ignore the demand after I had contacted my phone company
to dispute the charge.
This type of scam, if it is indeed one, is called "cramming". Hit
this link or do a search for that word at the bottom of any page
for more info on how they trick people into paying for unwanted
or unmade charges.
Best of luck. Let me know what happens please. Sorry
I couldn't possibly be of more assistance.
I want to thank you again for the information you sent me. I
contacted the proper source and I just received information that
the fraud problem has been cleared up and they will not pursue
it or attempt to collect any moneys.
I am glad it worked out for you. I wonder if you might let
the viewers know which agency actually helped you out for this
particular problem so we can give credit where it is due. Many
agencies just document the complaint and you never hear from them
I reported the problem to the
Florida Department of Agriculture & Consumer Services,
Division of Consumer Services, Mayo Building,
Tallahassee, FL 32399-0800.
I filled out a report on-line and sent it to them. On the
last collection letter I received, I forwarded a copy of the Department's
letter I received to the agency that was committing the fraud.
I hope this helps.
the Bum's Rush
14 May 2001
I shared this web site with another gal that I work with and she
just got scammed by a magazine operation. She got a bill
for $999.00 for magazines that she can't remember ordering, not
to mention the magazines are not what she would call a women's
magazine as they are Golf mag, Sports Ill, etc.
She had to have her account changed and is still having problems
as they keep getting into her account. This, in the early
stages of buying her new home, has caused her a lot of grief. I
too was scammed by the magazine scam in days gone by.
I want to thank you so very much for creating this web sight. I
cannot even begin to tell you how many of these scams that I have
gotten caught up in. The most recent one was for Ameriplan
which claims to be an insurance company.
I had called the representative several times with questions before
putting out that kind of money ($250.00) and after I sent the money
I found out that they are NOT an insurance company. When
I asked if I wasn't happy with it, may I get my money back? "Oh
sure" the rep answered.
In fact, I had point-blank asked them if they are an MLM and this
guy professing to be a Pasteur straight up lied to me saying that
it was not an MLM. I truly thought that I was asking all
the right questions. I'm beginning to think that they will
say anything they want to get your money.
Then he wouldn't send me any information until I sent money. As
soon as he got my money he began emailing me the dirty little scams
to get people under you, use deception, contact friends, try to
get friends to give their family members' phone numbers, etc. Well,
as soon as I received that email I have to say I saw red.
I contacted them and was given the name of their customer service
rep but when I would call and ask for him he was either on another
line or not available to speak. I was told to hold onto the
kit and not to open it as the value drops to $60.00 if you keep
it for 6 weeks or open it.
Of course I didn't even open it though he would never return my
calls and on the off chance that I did get him on the line, all
that he told me was that it was in the hands of the CEO or owner
Now this would have been a whole lot worse but I was writing
the web site where I found the advertisement for them and told
them that this company is a fraud.
Anyway, to make a long story short they defended the company,
saying that they have never had any complaints. (I had also
called the better business bureau prior to sending them money.) Well,
she knew a broker who promptly sent me the $250 for the kit that
I had to order. Anyway, I wish there was a better way
of policing this kind of activity.
Thanks for listening
Thanks for the kind words. I too have been scammed several
times over the years so don't feel too bad. Or maybe I should
feel worse. I am really surprised you got any money
back, what a victory. Enclosed is the link for Reporting
Several years ago I discovered that my mother's
retirement funds were being seriously depleted at an alarming
rate. She didn't have enough money to replace a faulty
gas heating unit, for example Then I began to monitor her mail
She was getting solicitations from all sorts
of charities and from conservative causes (and politicians) that
amounted to 35 to 45 pounds of mail per month. She was
writing between $700 and $1000 worth of checks to these organizations
Message continues here.
From Jackie H. Mon, 28
I am writing this with the hope that you
can help me. My elderly parents reside in Greenville, S.C. I
reside in Bryan, Ohio. Anyhow, my father lives in an assisted
living facility and my mother lives alone in their condo.
Several months ago my mother started receiving
phone calls from a man in Montreal, Quebec who lead her to believe
that she had won $2 million. Several days and several conversations
later, he told her that she needed to wire him $18,000
to receive her prize.
She did this, without telling anyone, just
as he instructed her to do.
For more detailed info on this type of scam Click
Greens Eaten at Dinner Party
7 May 2001
My name is Laura Green and I just found your website tonight. I
rarely ever use the internet for anything else than e-mail, but
for some reason I decided to play around a little bit and see if
I could find any information on the "Original Dinner Party".
I went to a meeting last week and putting my logic and gut feelings
aside talked myself into doing it. A friend and I were going to
split a "plate" together. Thank God I'm poor because
I had to take the time to try and figure out how I'd get the money. And
in that time I found your invaluable information.
Message continues here.
From: Kelly B. Wed, 23 Aug 2000
I was just introduced to you web page where
you refer to the Original Dinner Party as a scam. I know hundreds
of women who are successfully involved in this women's gifting
group. Gifting clubs are legal in many states and I'm curious
to know if you have any data to support the fact that you refer
these women's groups as a scam. Thank you for you time, Kelly
Messages continue here.
For more info on the Dinner Party process Click
Fraud through a Sweetheart Scam
From: "Glenda K." Fri,
11 Aug 2000
The section on victims hit
home. I have been through so very much of what you described.
I am a 48 year old woman with Parkinson disease. Two years ago
my husband of 17 years divorced me saying he was too young to
care for a disabled wife.
A man named Carmen F. studied
me, checked my credit, and won my confidence by saying all the
right things. I never lived with him. He got into my mail, returned
credit card offers, changed all the beneficiaries on my accounts,
401k, medical etc, and bought a truck in my name. The DA in Araphaho
county Colorado refused to prosecute saying it was my word against
I lost almost everything. I
was forced to file bankruptcy. This man has a history of fraud
and scams committed on disabled women and he is still out there
free. This took place in 1998 and there is probably not much
that can be done. I felt it important that others know
that he and others who prey on the disabled are out there!!!! Continued
My name is Brielle and I work
at a new true crime show called Aphrodite Jones. It
is being produced by Buena Vista (Disney) and USA network. Aphrodite
Jones is the woman who wrote the book that the movie Boys Don't
Cry was based on.
We are currently working on
a story about con-artists/bigamists. I was wondering if
there are any cases you are currently working on where a man
has taken a lot of different women or wives for money. (sweetheart
Is there any way you could
pass on my information to your clients? We are interested
in profiling their case and using the resources we have to catch
Please e-mail me
and let me know.
and Sweepstakes Victim
From Jess H. 9
I am in a real quandary here. An
elderly man who has been like a father to me is getting BILKED,
and I MEAN BILKED BAD! He is completely hooked on this
whole telemarketer/sweepstakes thing and the whole family is
at a loss for what to do.
He has boxes of replies paper-clipped
to envelopes waiting to be sent out. His check registers
are full of entries for $12.99 here, $18.99 there, $24.99 and
so on, going back two years.
He has sent EIGHT THOUSAND
DOLLARS to the CANADIAN LOTTERY!?!?!?!?
What do we do. He is
85 years old and has precious little left. Continued
Please feel free to post my
plea on your board and THANK YOU SO MUCH FOR YOUR
For more info on Foreign Lottery
Trained in Transit
Here's our story. This guy in Michigan has a website which appears
to be full of specially trained dogs for sale but come to find out, he
has no dogs. When someone approaches him to buy a dog, he shows
them pictures of dogs he has found for sale on the internet, jacks up
the price saying that he has trained them, and then sends an untrained
dog, only purchasing it once he has your money in hand.
It's a really great racket. We sent him $4900 for our dog
that we find he paid $1500 for, and the dog is not even trained
though he told us great stories of its masterful skills.
I hope somehow he can be stopped. I am trying to pursue
this with every agency I can find and tell my story to whoever
will listen. If you have any tips, please let me know. Thanks
for any help you can give us.
Cara Huffman 11/01
Reply: Though I can't get embroiled in this type of consumer
complaint by naming names I will post your experience as a warning
to others and in fairness to the dogs who are being shipped around
the country needlessly just so that this person can profit from
the alleged deception.