Thursday, July 25, 2013



Okay, are you ready for your boxing match, because disputing can be a challenge. You can't give up and let them take your money. I have seen it so many times. If you go to ripoff.com or consumerscomplaint.com you see where so many people have been ripped off and what do they say "They took my money and I can't get it back." I never hear anybody stating they disputed and lost or claimed fraud, well I did once and she had her email address and was having trouble with a dispute with Chase. I got a hold of her and helped her get her money back.

So please be ready to fight, and the first fight is to go straight to the merchant. Give him your complaints, make sure you have them all in order and make sure you have read that contract to see if you can complain about what you want to complain about. If the contract says no refunds then make sure you can find a complaint, that he did, that shows he has broke his contract. If you have allowed him to get by with not giving you a contract you are going by word of mouth and guess what, his is just as good as yours. So make sure he puts everything in the contract that you want otherwise you may have a hard time disputing.

I tell the merchant if he doesn't refund the money I will dispute and I am sure he knows that it will cost him. Not only will the credit card charge him for the dispute but it will hurt is reputation and so will I. When I say that I will hurt is reputation, I let him know I will go to the BBB, then to the attorney general, and then to ripoff.com and consumerscomplaint.com. There are a few other  website spots you can go to and put companies on that people report about scammers. If you were wise you would check those out before making any decisions.

Sometimes these threats work and then again they don't and if you don't get your refund it is time to go to the credit card and start your dispute. First, you must decide if it is a fraud or a dispute, that you are going to do. When you sign a contract, very rarely can you claim fraud, unless you never get the product or possibly you receive a check that can't be cashed. I normally don't cash the check without calling the bank where the check is written to make sure the check can clear. Having this check gives you a little more evidence this company was fraudulent and once you cashed it and it is gone it is harder to prove anything, although you will receive a letter from the bank saying that it couldn't be cash but they don't give check copies.

You will get papers to fill out from some credit cards but always mail or fax to them all the info you have against the company. You will need your contract and your credit card statement. As I told you before, save all info like emails and write down dates and times you talked to the company. The more you tried talking with the company is better for you, because it makes them look like they did not want to work with you.

Okay, here goes your next boxing match, it is with the credit card company itself. You can't believe how many times I have got into a fight with the credit card company. In fact I am ready to take one to court here shortly. I guarantee they do not always know what they are doing, and sometimes it may be wise that you have someone you can talk to that does, like me, for instance. One time I had a letter of guarantee from a company(it was a drop shipping company), that if I didn't sell $12,000 in 6 months they would return all the money I had invested in my website. Well, 6 months came around and not a cent was made and not only that I found that site to be a scam. They had so many errors on it, it was unbelievable. I tried to get a refund they said no, I said I'd dispute. They felt confident they would win. Three times I was denied and then I became very angry especially when I was told I could not dispute again. I finally asked them why they were denying it and they told me it was because I couldn't prove that I didn't make anything. Angrily, I told them that I did not write the letter of guarantee, they did. It is not for me to prove anything but for them to prove that I had made over $12,000. The man answered slowly " You have a point/" I told him if they would have done the job right the first time I wouldn't be yelling at him right now, so I won't nag anymore if you would just ask them to prove that I made that much money and I guarantee they will not reply and just give the money back, which they did.

So you see you must stay on your toes and be ready to give the right punches or you may not win. Don't back down because you are denied, find out exactly why they are denying you until you a satisfied. There are still places to go if the credit card doesn't see it your way.

Friday, July 19, 2013


Since I was on the subject of timeshares, I wanted to explain to you a little more about timeshares. Like I said before I have four, although I am in the process of selling one and what I got for it is more like giving it away, but after the company that owned it sold it to Holiday Inn Resorts, I was glad I did. The amount of points I had was just great with the timeshare company that owned it earlier, but after Holiday Inn bought it, it was useless to me. They did not raise the points to meet the value of all their resorts which was needed for the way they ran their timeshare exchange. What was a full week before, is now only 6 days. I couldn't understand why we didn't get to keep are same value, I guess they wanted us to buy more points. My friend that bought the timeshare said she was okay with it because I had low membership and maintenance fees.

Now, there are two types of timeshares, a fixed and a floating. Fixed are not definitely my type of timeshare, but there are many who like them. A fixed timeshare can only be used the time of year you purchased and at the resort you purchased  always and no others. A floating one is based on points. You use these points to go for a couple of days or for a full week and you can go to all the places this particular timeshare has.

There is also what is called RCI, if you should buy a timeshare with one resort having RCI to deposit your points in, it gives you many places that you can go. Also what is nice about RCI is they have specials where you don't need to use points, but you can pay for the unit outright. I am going to Conroe, Texas for a week and it cost me only $197.99 plus taxes. I had used all my points to spend 2 weeks in Tampa, Florida and we needed to go to Houston, I got lucky when the sale came up. The only thing bad about RCI is there a lot of extra charges you don't pay with your resort even though they also have extra charges they are not as much as RCI. The one good thing is when you rent a week like I did in Conroe I didn't have any extra charges. Resorts also have specials at their resort where you can rent them out without going through RCI. Not only do timeshares have RCI but some of the timeshare companies has a place to put your points that works pretty much the same way as RCI and it is called III.

As I have said before, timeshares have catches, you have membership fees, maintenance fees, and depending on the timeshare various other fees. The next thing, they are very costly to get one as well as to keep one and it is impossible to get rid of them. If you look on Ebay you will see hundreds practically being given away. If you really want one that is how I would get it. Don't invest a lot of money, you might want to add points and trust me if your smart you can con them. What ever you do , is never say yes the first time they give you an offer, they will come down on the price and I advise you to keep saying no until you think the price sounds reasonable.

Timeshare companies will take you for all you've got, so read the contract and make sure it is written exactly as they have said it was going to be. I will tell you if they have came down on the price, a lot of times they will write on the contact an out of season date with less points and please make sure you know what your yearly fees are going to be because those can sneak in to be a lot higher than you thought. It is wise to buy a timeshare with a low maintenance fee because, I guarantee, the fee rises. Soon it will be higher than what you would pay to rent the resort.

Timeshares can sound really great, but the longer you have them, the worse your head begins to hurt. If you have a lot of money they can be okay otherwise they are a pain. My son is a multimillionaire and I tried to give him one and he wouldn't take it because he knew how hard it was to get a seaside resort, unless you booked it months to a year in advance. He wants to go now and can't wait. So be wise and think twice before you let the salesman con you.


Monday, July 15, 2013


   This may seem like I am getting off from my main subject, but once before I mentioned I had timeshares. You get called for mini vacation packages and they sound like great deals, but there is a catch to them, they always want you to go on a 90 minute promotion selling a timeshare to you.    
   The reason I decided to blog on this is because I have a timeshare with one of the most worldwide known companies, I am not going to mention the name of the company, because what I am going to say could get me in a lawsuit.  I have been with this company for 13 years and have been in constant battle. I have 4 timeshares and this company is the only one that has so many nick picking charges that I would like to find someway to let the whole world know to stay away from them. They are one of the most expensive timeshares. We paid $18,000 and today it is approximately $28,000 for the same thing and it is the smallest package you can buy or at least one of smallest, I think the smallest is every other year and we are every year. They are the only one of my timeshares that I had to pay taxes on, now they have it put in the maintenance like my others. They are the only one that has housekeeping points, my others do not charge anything for housekeeping. I even tried to ask them why are they charging us for housekeeping when a hotel doesn't. They have no answer. 
   What made me so angry with them to write this blog, was when I booked a 3 night vacation they charged a $99 guest fee and a $30 travel transaction fee because this was my 3rd travel transaction with them. I was so surprised , my other timeshares it is only $50 for guest pass fees and nothing for travel transactions. I was mad enough to go ahead and transfer all the rest of my points to RCI and not use the rest until next year. What is really strange is RCI only has a $59 guest pass fee and guess what, they are owned by the same company, doesn't make sense does it? 

   Actually, buying a timeshare really doesn't make sense either. You pay an enormous amount for the timeshare, then your maintenance and membership fees would easily pay for a condo and guess what, usually at the condo where you bought the timeshares, they are beginning to rent them out cheaper than what you pay in maintenance. So why waste your money to buy a timeshare, they will take your money every chance they have. I couldn't believe it when I was transferring my points, I was told I only had 39 housekeeping points left and I needed 42 to transfer so they made me buy 3 points for $6.75 which I told them was insane because RCI charges housekeeping when booking a resort.  Why did I need to transfer my housekeeping points, again no answer. 

   So my advice about timeshares is don't buy one, you are being scammed and those, unfortunately, we can't get out of, unless we start writing to the government for them to check how timeshares are ran and why are we stuck with them.

Tuesday, July 9, 2013


   I know I have repeated myself several times through my blogs about what to watch for in scammers, but trust me, for as many times as I have been scammed nobody probably would have told me enough times what to look for. They all sound so sincere and truthful and maybe it's the feeling that you just might have found the right company to make money and grow your business that you go with them. Unfortunately, everything begins to go wrong. Months pass no money comes in, nothing shows up on the back office on your computer. You try to call the company, no one answers, they just ask you to leave a message and you do, but guess what, it never is returned. You email them and ask for answers, but they never answer (keep the email like I said before). 
   Okay, now it's time to go into action, like I said before, you scan the contract to see if you can find any where they have broke it. Do they say in the contract that they will answer all phone calls or keep in touch with you to let you know how things are going? If you can find something like that, you will have proof they broke their contract. If anything, you might be able to get them for mismanagement, due to the fact they are not keeping up with their business clients nor are they keeping up with the back office. 
   You must find whatever you can to give your credit card reason for dispute. I usually call the company and warn them, if they don't call  me back I am going to dispute. I also send an email and tell them I am disputing and save the email. I also tell them that when I dispute I go to the BBB, their Attorney General, ripoff.com and consumercomplaint.com. Sometimes this works and sometimes it doesn't. If it does, I ask for a refund, if they say no I say, I dispute and I will do everything I said I would do. 
   Most of the time I have to dispute.    
   The first thing you do is call your credit card company and here is your first problem, they will say it is over 60 or 90 days depending on which card you used. You need to be firm and tell them that you have 18 months to dispute if a merchant has not done as promised and has broke his contract. I guarantee they will fight with you but  ask to talk with the dispute department and things should become a little easier then. Tell them everything and try very hard to show how they broke the contract, if they say yes then they will send papers for you to fill out. They will want a copy of your contract. Underline the areas you feel they have broken. They will want a copy of your statement and send a copy of all the emails you had between the company. In fact, the more info you send the better. Now here is something you need to think about. If you have told the company you were going to dispute and all of a sudden you receive a check especially a small  check, do not cash it . Make them give you proof that it is a true commission check and ask who purchase whatever for you to receive commission. Sometimes this check is considered a service and your credit card will  deny your dispute, that is why it is best for the company to give you a little money to keep from giving you a larger amount later. Well I am going to end this now and continue with more the next time.

Saturday, July 6, 2013


   Most scamming is done over the phone, but trust me you might get invited to a presentation to see something that is being sold and you can get scammed there too. I know I was for over $7000, but they made some mistakes, because when they wrote the contract I had them put everything that was promised to me in the contract. When they did not keep the promise and I couldn't reach them I disputed and won. Never sign a contract that doesn't have everything they say they are going to give you put in to it, they may not like it, but tell them it is this way or no way. Trust me this is your letter of protection. Usually, a telemarketer will call you to sell you a website in home job, that seems to be the biggest in scamming today. They sell you a website that is very cheap or a blogging site you could have gotten for free. They put on affiliate marketing which is another free item you can do, and then they tell you they are done. Only shortly you get another call and it is from a marketing specialist who tells you that if you invest $10,000 to $20,000 or more they could make you a lot of money. Here again it never happens and you are out of all your money, also it is hard to dispute. The smartest thing is don't do it in the first place. Marketing can be done by you, it still cost money but you don't need to put out that much to see if your website is going to be a popular one or not. You can always start out with free marketing and workup. Get on the computer and find out how or ask around. Another big scammer is the computer itself. Once you get a website and start doing business, it is unbelievable how many emails you get about how to get free websites and software to make your website better, but trust me, few are what they say they are, luckily you can get refunds on these and don't have to dispute. One clue to whether you have a scammer is, after you joined with them, whether you can get them to talk to you, answer you messages or emails. If you can't, it is time for you to start saving all your info for a dispute. I will get into this next time.