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Forums » Up and Running » Security » Spam, Scam and Phishbusters » [Scam] Never Pay it Back .com
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MGD
Premium,MVM
join:2002-07-31
Fort Lauderdale, FL


1 edit
reply to cheryllj
Re: [Scam] Never Pay it Back .com

I was wondering why the noise level for this SCAM had died down. Knowing that fraudsters never pack up and go home, I decided to go back and have another look:

NEVERPAYITBACK.COM which used to look like this:




Now has:

===========================

Thanks for taking the time to stop by...

If you are in need of GSS Support... have your Transaction ID ready
...and then please call 1 877 495-1145 24/7 for Immediate Assistance.

===========================

Snapped 2009-09-24 22:05:03

»NeverPayitBack.com


The number 877-495-1145 only tells part of the story: »www.google.com/search?hl=en&sour···oq=&aqi=

The tandem website NEVERGIVEITBACK.COM which once served:




now shows:
===========================

Thank You For Visiting... We Are No Longer Taking Opt-ins.
For Support Please eMail - Support@NeverGiveItBack.com

===========================

Snapped 2009-09-24 22:04:45

»NeverGiveItBack.com


At least they are using the correct verb, "take".

I need to go pull my old notes on this operation.

MGD


CJones

@teleclipse.net

 reply to cheryllj
GRANTS360.com

ok i'm so thankful to all of y'all for posting what u did. it stopped me from filling out some stuff on grants360.com.

i applied for food stamps and an email was sent to me that i thought was from the food stamps office saying that i qualified for more grants... blahblahblah... the link led to grants360. i'm naturally skeptical of anything "free" (well, food stamps are from the state, not some website i've never heard of lol) so i tried checking the websites authenticity before proceeding..... i almost bought the gimmick and gave my info. but then i saw the posts made here.

thanks again!!

NormanS
Premium,MVM
join:2001-02-14
San Jose, CA
reply to Doctor Olds
Re: [Scam] Never Pay it Back .com

Yeah, well. Love of money is what drives the desire for status and power.


Doctor Olds
I Need A Remedy For What's Ailing Me.
Premium,VIP
join:2001-04-19
1970 442 W30
clubs:

reply to NormanS
»www.calicocat.com/2004/05/is-mon···vil.html
quote:
It is a common saying that “money is the root of all evil.” According to the Random House Dictionary of Proverbs and Sayings, the phrase first appeared in English circa 1000 A.D. The saying originated in the New Testament. “For the love of money is the root of all evil.” Timothy, 6:10.

It’s obviously one of those sayings that has as great deal of staying power, having been around for two thousand years and still going strong. But how fair is it to blame all evil, or even any evil, on a medium of exchange?

I think it would be a much more accurate statement to say that the root of most evil is man’s desire for status; either greed to increase one’s status, or jealousy over losing in the status game to others. Money is the most obvious measure of one’s status, so it’s easy to confuse the two, but they are certainly not the same thing at all. Money is just one way of keeping score. Blaming money for evil is like blaming the scoreboard for the baseball game.
--
What’s the point of owning a supercar if you can’t scare yourself stupid from time to time?

NormanS
Premium,MVM
join:2001-02-14
San Jose, CA
·Pacific Bell - SBC

reply to Miss Miami
said by Miss Miami :

money the root of all evil.
That is a common misquote. The actual phrase is, "The love of money is the root of all evil."
--
Norman
~Oh Lord, why have you come
~To Konnyu, with the Lion and the Drum


Miss Miami

@comcast.net

reply to cheryllj
If you do want to take chances online you should order you a pay as you go card they are unlimited and if its a scan order another one but im glad i read some of these comments because i would be at my radio station locked and loaded ready for war because i have no money to loose and when you here it on the radio it gives you a little hope that it might be true i think this world is all albout money and our own gov. does not even care about the people who help keep this country afloat how sad is that. money the root of all evil.


nwrickert
sand groper
Premium,MVM
join:2004-09-04
Geneva, IL
·AT&T U-Verse
·AT&T Midwest

reply to pcdebb
..., but for me to try and tell him it's a scam didn't really hold water for the simple fact that he heard it on the radio so it MUST be legit.
The amount of radio advertising for obvious scams, and for dubious sounding business that may well be scams, is really troubling.
--
AT&T dsl; Speedstream 5100b modem; Zyxel NBG334W router; openSuSE 11.0; firefox 3.0.12


pcdebb
RIP dadkins
Premium
join:2000-12-03
Tampa, FL
clubs:

reply to cheryllj
this scam is getting harder to fight against. it's getting alot of airtime on the radio here, and in other cities i'm hearing. my stepdad walks up to me today and tells me "you should check out this site. my daughters told me about it and they checked it out and you should too, it's called nevergiveitback or something". It's bad enough he's a Mr. Know-it-all as it is, but for me to try and tell him it's a scam didn't really hold water for the simple fact that he heard it on the radio so it MUST be legit.

i just simply told my mom for her not to even think about it or she will have to change her card number because if he (or his daughters) fell victim, we will be hearing the stories soon of money disappearing from their accounts.
--
| map your city | tweet |


DanHo
Premium
join:2002-05-20
Seattle, WA

reply to Whip
said by Whip See Profile :

There's even a towel scam out there?
Sure, it's called called the ScamWOW.


rzaruba

join:2000-08-04


1 edit
reply to jay_rm
quote:
Ad revenue is damn near the only thing a lot of media has going for them.
Ad revenue is damn near the only thing a lot of the scammers have going for them.

"Aw, so what if he killed his 'Maw? He said he's sorry, didn't he?"

Wallace Beery, THE BIG HOUSE, 1930

Oh, well, principles be damned as long as we make money.

jay_rm

join:2002-04-12
Netville
·Fox Valley Internet
·ViaTalk

reply to rzaruba
said by rzaruba See Profile :

"Why are the radio stations allowed to run the ads without warnings?"

Because they don't care.

I can only listen to WOR here in the NY area for a few minutes every morning before I get sick.

It used to be a flagship station, now virtually every ad is for a scam or quack remedy.
It's not that they don't care (well, maybe some don't...), it's the ad revenue. In the current economic situation, ad revenue has taken a huge dump and they're desperately trying to get some back. Because of this, media sales departments nationwide have lowered the bar (a lot) on what they will accept. They know the ads are shaky but the (lack) of revenue streams demand it.

Ad revenue is damn near the only thing a lot of media has going for them.
--
3500/512 5.7 GHz Motorola Canopy Wireless; FoxValley.net
'It looks just like a Telefunken U47 !'

Whip

join:2009-01-23
Califon, NJ
reply to darthboy
There's even a towel scam out there?

garys_2k

join:2004-05-07
Farmington, MI
·Future Nine Corpor..
·Vonage

reply to makethempay
said by makethempay :

I have done banking for over 6 years .you can put in a dispute with your cc company, or you bank if you used a debit card. and they will take care of the unauthorized charges for you.
You sure about the debit card? There's often less protection for debit card (v. credit card) victims, iirc.


makethempay

@bellsouth.net
reply to pcdebb
I have done banking for over 6 years .you can put in a dispute with your cc company, or you bank if you used a debit card. and they will take care of the unauthorized charges for you.

darthboy

join:2007-12-31
Canada

reply to cheryllj
on a premium sports channel here, there're ads selling fancy ware like towels and extended warranties. Oddly, when i typed the names into google, the first few search results either showed "SCAM!!!" or duped buyers suggesting much cheaper alternatives.

If it's a legit company selling usable stuff, the first few search results would most likely be corporate info instead of "SCAM!"...


Doctor Olds
I Need A Remedy For What's Ailing Me.
Premium,VIP
join:2001-04-19
1970 442 W30
clubs:

reply to NormanS
Free Lunch (Way before Robert A. Heinlein's lifetime.)

»en.wikipedia.org/wiki/Free_lunch
quote:
The phrase free lunch, in U. S. literature from about 1870 to 1920, refers to a tradition once common in saloons in many places in the United States. These establishments included a "free" lunch, varying from rudimentary to quite elaborate, with the purchase of at least one drink. These free lunches were typically worth far more than the price of a single drink.[1] The saloon-keeper relied on the expectation that most customers would buy more than one drink, and that the practice would build patronage for other times of day.

Sometimes, free food or drink is supplied today, often by gambling establishments.

The saying "there ain't no such thing as a free lunch", often abbeviated to TANSTAAFL, refers to this custom, meaning that things which appear to be free are always paid for in some way.
»en.wikipedia.org/wiki/TANSTAAFL
quote:
TANSTAAFL is an acronym for the adage "There Ain't No Such Thing As A Free Lunch" originating in the late 1930s and later popularized by science fiction writer Robert A. Heinlein in his 1966 novel The Moon Is a Harsh Mistress
--
What’s the point of owning a supercar if you can’t scare yourself stupid from time to time?

MGD
Premium,MVM
join:2002-07-31
Fort Lauderdale, FL


2 edits
reply to Russ Ptacek
said by Russ Ptacek :

Here's a story from Russ Ptacek at NBC Action News in Kansas City about the site and other sites that make big claims but could cost you a lot of money (along with links to truly free legitimate sites that the government operates):

»www.nbcactionnews.com/content/in···mMA.cspx
Excellent article Russ, and it deserves to be picked up and redistributed by the national media.

quote:
from Russ Ptacek's article:
..... We found claims suggesting people who enrolled in the Web sites got big money like $5,000 to fix up a home, or $2,800 to pay off medical bills, even $4,000 to pay down a mortgage.

ref:»www.nbcactionnews.com/content/in···mMA.cspx

All of those statments that are quoted on the sites are made up and fraudulent, they are used to entice victims to sign up.

Here are even more exagerated fraudulent quotes that are served up while travelling around the scam website neverpayitback.com

quote:
"I Recieved A Check In My Hand For $100,000!"

I found the grant I needed and filled out the forms and sent them in, and in about two weeks I received a check in my hand for $100,000. I am telling everyone I know about you all and what you have done for me!*
-- Carol K.

Get our FREE Grant Funding Kit!
Find the Grant that's right for you!
Receive your FREE MONEY!

I got the check in my hand for $150,000.*
Thank you again,
-William Rivas

I just had $300,000 dollars
deposited into my bank account.
Thanks so much!*
-Edwin Hurd

Followed by this totally false heading:

quote:
** Read about REAL PEOPLE who have recieved REAL MONEY! **

Money To Pay Your Mortgage!*

Thanks to Grant-A-Day my Wife and I were able to get a reprieve from foreclosure on our home. Like the Angels bringing the good news at Christmas-time you have given us a blessing, and a way to secure our home. We were about to lose our home to foreclosure. With your generous grant I was able to bring my payment up to date, and stop the foreclosure. It is great to know that there are organizations like yours that will give help to people like me and my wife who need it!
Delroy Stewart

Money To Pay Your Business Expenses!*

Thank you so much for awarding me a $500 Grant from the Grant-A-Day program. I never thought I would be awarded and then there it came in the mail. I will be putting the grant money to good use to pay some debt I have incurred in start up of my Home-Based Business. This will enable me to be home for my family instead of working away from my home. This grant was truly an answer to my prayers. Thanks again, not just from me, but from my family!
Tamara Schaufler

Money To Buy Christmas Presents!*

When applying for the grant I wasn't sure what to expect but to my delight and surprise a check came in the mail in a few weeks! I was able to bless a divorced mother of three with funds to pay her monthly bills in order to free up some of her cash to purchase a few Christmas presents for her children. These are truly great kids who's dad is on death row. It's very sad that the children of inmates, are more often than not, left with the many hardships.
Joyce Joseph

Money For A Mom To Pay For Emergency Expenses!*

You have no idea how much that money helped out my family. Each one of my children now have a bed to sleep in. My Children have clothes that we all picked out together. My little girl is in a program with children that went through the same things. Every time I think about what you have done I cry. I have 4 children currently and two on the way. Its so hard doing it alone. This has helped us so much. You made me feel like a wonderful Mom.
Na-tasha Lee

Money To Pay Your Education Expenses!*

Thank you so much for the funding. I really appreciate it! With this $500 I can pay for my son's textbooks for the entire year at military school! I am a single parent paying my son's school tuition without any help from his father. My son is a very patriotic 8th grader that wants to be a part of the war against terrorism. He wants to be a helicopter pilot in the Marines or Air Force. Again, thank you for this funding. The Grant-A-Day program is a Godsend!!
Claudette Robb Ross

Money To Fix Up Your Car!*

I would like to thank you for accepting my grant for funding through THE GRANT-A-DAY PROGRAM. I am enclosing two different pictures of my 1997 Ford Ranger truck, which I spent most of the funding for brakes and to have the rotors repaired. I cannot thank you enough for your kindness, it is greatly appreciated. I am also sending a package to you at Grant-A-Day with an enclosed letter to show my appreciation! Thank you!
Sharon Ebert

These are fictitious, created as a ruse to entice victims into giving up their card data to neverpayitback.com.

quote:
from Russ Ptacek's article:
... When our bill arrived, we were billed for the original $2.29, but we also got hit with recurring monthly bills on our credit card for $7.95, $39.95, and $9.95.

Ref:»www.nbcactionnews.com/content/in···cspx?p=3

Almost $60, and every month yet.

quote:
from Russ Ptacek's article:
Consumer agencies and the Federal Trade Commission warn that many of the sites operate nearly identical alleged schemes that don't pay out what they promise.

"We recently conducted a ‘sweep’ of con artists taking advantage of the ‘economic crisis’" says FTC spokesperson Elizabeth Lordan. "The sweep netted various types of scams, including grant scams."

Lordan said grant programs rank as of the highest categories of complaints received by FTC investigators.

While the FTC is doing a great job of going after these scammers, civil action is futile. This epidemic of fraud will not stop multiplying until criminal chages are filed, and they end up behind bars. Only then will consumers begin to get some relief from this constant barage of fraud and deceit.

To support that belief, allow me to cite the case of one Paul Navestad. A quote above from Russ Ptacek's article includes this from the FTC:

"We recently conducted a ‘sweep’ of con artists taking advantage of the ‘economic crisis’" says FTC spokesperson Elizabeth Lordan. "The sweep netted various types of scams, including grant scams.

Paul Navestad was included in that latest "con artists sweep" listed this month by the FTC: »www.ftc.gov/opa/2009/07/shortchange.shtm

quote:
Cash Grant InstitutePaul Navestad aka Paul Richard; Global Ad Agency, Domain Leasing Company, and/or Global Advertising Agency; and Chintana Maspakorn aka Christina Maspakorn.

Cash Grant Institute, and its principals allegedly waged an automated robocall campaign promoting bogus claims that consumers were qualified for grant money from the government, private foundations, and wealthy individuals that they could use to overcome their financial problems. They made similar misleading claims about "free grant money" on their Web sites, cashgrantsearch.com and requestagrant.com. This case was filed in the U.S. District Court for the Western District of New York.

Even though the FTC has commenced the following actions:

quote:
July 1, 2009
• Revised Temporary Restraining Order with Asset Freeze, Appointment of a Receiver, and Other Equitable Relief, with an Order to Show Cause Why a Preliminary Injunction Should Not Issue »www.ftc.gov/os/caselist/0923099/···dtro.pdf

• Complaint for Civil Penalties, Permanent Injunction, and Other Equitable Relief »www.ftc.gov/os/caselist/0923099/···mplt.pdf

Ref:»www.ftc.gov/os/caselist/0923099/index.shtm

Unfortunately, with respect to Paul Navestad, the FTC's complaints for Civil Penalties, Permanent Injunction, and Other Equitable Relief, are nothing short of a joke. Mr. Navestad has been thumbing his nose at the FTC for over 13 years. Repeatedly ignoring multiple court orders to cease and desist, and prohibiting him for being involved in any way with promoting these scams:

Some excerpts regarding Navestad from this post »Re: FTC Cracks Down on Scammers "Operation Short Change" which is part of this thread:»FTC Cracks Down on Scammers "Operation Short Change"

From Circa 2002:
quote:
FSN and Navestad were the targets of a case brought in 1996 by the New York State Attorney General’s Office which resulted in a settlement that required them to cease their deceptive business practices. The company continued to deceive consumers, however, by offering programs that claimed consumers were "pre-approved" for non-existent loans and grants.

Attorney General Spitzer’s office brought a motion for contempt in federal court for the Western District of New York against FSN and navestad for violating the prior court order. At the same time, the FTC brought an action for violations of the Federal Trade Commission Act and Telemarketing Sales Rule.

The settlement permanently bans FSN and navestad from advertising, marketing, promoting, offering for sale or selling of any credit-related goods or services

"I would like to commend the Federal Trade Commission for its cooperation in bringing these cases to a conclusion. It is an excellent example of federal and state cooperation to fulfill our joint mission of protecting the public," Spitzer said.


The protection of the public may have lasted all of a few days. Navestad set up remote operations in Hong Kong, presumably keeping most of the funds offshore as well, in anticipation of any future actions. Mr. Navestad futher spit in the face of the civil court system by subsequently infiltrating and masquerading inside Prosper, the peer to peer lending network, soliciting victims for advance fee loans:

Paul Navestad is the TOS violating subject of this circa 2007 memo from Prosper:

quote:
Members of Fan received this email sometime this morning:

It has come to our attention that one of the group leaders on Prosper is subject to a Federal Trade Commission (FTC) settlement order that bans him and his related companies from advertising, marketing, promoting, offering for sale, or selling any credit-related goods or services, or assisting others engaged in the same activities. As a result, we have terminated the Prosper membership of the leaders of the following groups:

FinancialAssistanceNetwork, MinorityAssistance.org, EmergencyAssistance.org, PayItForwardLoans.com, HR-Assistance.com, CreditCardAssistance.org, and FAN-Lenders-Alliance.

Existing funded loans in these groups will continue to be active loans on Prosper and existing listings from members of these groups will remain open. Prosper will assume leadership of these groups, but will not accept new members into these groups. We are not aware of any illegal activity in these groups on Prosper, or any irregularities with regard to any loans to members of these groups, but we are obligated to take this action in light of the FTC settlement order. As always, thank you for your support of Prosper. Sincerely, Prosper Security

This message was sent from Prosper based on your communication preferences. Edit your communication preferences. Copyright ? 2005-2006 Prosper Marketplace, Inc. All rights reserved. Prosper is located at 111 Sutter St., 22nd Floor, San Francisco, CA 94104

»prosperreport.appdesigns.com//th···59.0.HTM

So what is the point of repeated civil actions and court orders over a 15 year career.? Attention FTC, the only way to protect consumers from this type of incessant preying, is to involve the FBI, and bring federal criminal felony charges.

There are some serious questions about the ethics of the radio stations that carry these scam adds, as it enables a new pool of potential victims. However, they are not the only entity whose ethics should be questioned. Take note of an earlier quote from a previous post above

quote:
Web site publishers and ad networks are on the Federal Trade Commission's radar, but this time it's not for behavioral targeting or data privacy related concerns. The FTC warned it is cracking down on misleading ads and e-mails promoting access to economic stimulus related grants, and the media firms enabling those ads.
....
Google is working with the FTC to investigate ads that violate its advertiser policies, according to the commission.
..
.
The FTC is asking "online media companies to monitor their sites for scam ads and get rid of them," said Eileen Harrington, acting director of the FTC's Bureau of Consumer Protection, this morning during a press conference.

Unfortunately, Google is not doing anything close to enough with respect to scam promotions. A current search will bring up multiple scam grant and loan Google sponsored adds.

In addition, lets add the banking system into this questionable ethics bhavior also. All of these scam promotions have merchant processing accounts attached to them. Based on the thousands of consumer complaints of these negative option billing charges, banks and merchant account providers have to know what is going on.

Any consumer who falls victim to these scams with their credit cards, should immediatly file dispute notices with their institution in accordance with their federal rights under the FCBA. Not only should they cite the negative option billing, but also reference the numerous FTC cases targeting these scams.

MGD

MGD
Premium,MVM
join:2002-07-31
Fort Lauderdale, FL

reply to FBI
said by FBI :

The owner of this sick scam has been arrested last weekend!
Somehow I doubt it....

You need to cough up a last name.

I have spent some considerable time tracking down the participants. All of these free loan & grant scams involve multiple players, with paid affiliates on the front lines, CPA advertisers / recruiters as the middlemen, and the originators hiding behind a healthy dose of obfuscation. Despite trails that lead to the Philippines and various states, the real perpetrators of this scam are based in Utah. Utah has become ground zero for many of these consumer scam operations, and has long ago earned the reputation as scammer friendly. In fact, on at least one occasion there has been the appearance that scammers can buy their way out of trouble.

Details to follow

MGD


FBI

@rr.com
reply to cheryllj
The owner of this sick scam has been arrested last weekend!

K Patterson
Premium,MVM
join:2006-03-12
Columbus, OH
·RoadRunner Cable

reply to rzaruba
said by rzaruba See Profile :



Years ago, stations. magazines, etc., used to have codes of ethics for advertising.
I worked in radio in those days.

An Everdry deodorant commercial:

He: Dear, what kind of deodorant do you use?

She, Oh, I thought you would never ask! I use Everdry Extradry, and on those special days . . .

Commercial gone.

I'm modern, I'm tolerant, but there are a lot of ads I could do without.
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