Hello, as of recently I have been selling clothing that I either find at thrift stores or clothing I do not need online via the app DePop. I had encountered a customer wanting to buy from me, including items I haven’t listed that were valued quite highly. Him and I exchanged emails and carried on with out business. I don’t know how I was as careless to ignore the huge red flag when he noted he doesn’t not want to do a PayPal transaction, but would rather send checks to me that I could directly cash to my bank. With that, I proceeded. Within the next day, I receive two checks listed at $1,250 each, totaling at $2,500. The clothes I was selling did NOT total to the full amount, but he mentioned that due to all the trouble he was putting me through, he would include extra funds. I cash the checks (note, before cashing, my account was around $250, not including my savings, but I do not transfer money to either account from each other. direct deposits ONLY) and prepare to ship out the packages. Due to my suspicions, I kindly ask him to no longer contact me as a customer as the process was very daunting and tedious. I will not go into that detail however, because it is only significant to who the customer was and their identity. Now I have the money from the checks in my account, I feel great because I made a great sale, got a good amount of cash for the value of my clothing, and it was overall rewarding to my confidence in making sales. My following on my shops isn’t very high, so it was clearly amazing to me. However, a few days later, I get a letter from my bank regarding overdraft fees and returned checks. I was obviously not pleased and thought “okay.. what the f***”. I get in contact with my bank, they mail me two substitute checks, and I cash them both two days after. I feel relieved once again… BUT THEN, just yesterday (Feb. 14, 2019), after my card has been totally functional early afternoon, I go to make a purchase at an art store. Card declined. The hell? Check my account, checks returned AGAIN! I have already contacted my bank, however, I’m certain that IF they retrieve substitute checks for me again, they will end up going through the same process of being returned. Not only do the returned checks leave my balance totally in the negatives, but overdraft fees and return fees have been added. Overdraft is currently sitting at $60, climbing and climbing. the amount in my savings is not even half of the debt in my checking. PLEASE, if someone can help me erase this debt, I will be ETERNALLY grateful. I will note my business email and PayPal to avoid any unwanted contact. Thank you,

Kimmy.

I trusted someone who ruined my life and now I am in big debt because of making the wrong decision. My high school friend asked me to join in a investment where you can get a 15% interest monthly. As a human being and thinking of earning extra, I believed her, with her promise that she have one word and not breaking our friendship because of money. I believed her and it was my biggest mistake. After 3 months, she asked me to invite people to join, because of my intention that I can help people by inviting them and they will extra also, I believe her again. It lasted for 11months but then, on the 10th month, problem came, I asked her why is it like I invited people and then the interest is from the money they also joined? She told me that the money invested is still inside where it is all invested and its all okay. I believe her again as for me thinking I will pull out all the money and return it to all people who joined.

Last December 2018, my biggest fear happened when I confronted her, all lies came, the money is nowhere to be found and it came out that she all used it. There was no business investment, she used me to invite people for her own benefits. Now all she can do is hide. Everyday I pray that all this problem will be solved. All people I have asked to join is my friend and that’s the biggest mistake I ever did in my life. Some people I asked for help telling me to walkaway and hide, but in my heart I cannot do that. I even think of doing suicide because of this problem. But everytime I think of it, I think of my family and friends, If i die the problem will be still the same and they will all suffer. My problem is big but I know God is bigger than my problem. The total amount she took is $210,000 in USD. (11 Million in Philippine Peso) I am not asking to for this amount but I am asking for any help. I am OFW who is earning $1,330 in USD ($1,800 in SGD) I always prayed to God that one day will come for me to return all their money. I am not here to scam people, I am here to ask for help for me to continue my normal life back. Because everyday of my life changed when this thing happened. A lot of people messaging me and they are waiting for me to return their money. What I have learned from this big mistake is not to ask for more, be contented of what God gave you, don’t ask your friends or loveones whom you thought it will help them. The only one can help them is themselves. As now this problem came I cannot asked my friend to help me because I dragged them to this problem as well by asking them to join. And now I am helpless to think everyday to resolve this issue. Thanking God for every blessing he gave even big or small. I am grateful for any help you can give me and believing me I am not a bad person and I am a victim of trusting a wrong person. Thank you for your time reading my message.

paypal.me/kristellamari

Just over 10 months ago, I had met a woman on a popular dating website and for that time, we would communicate through chat and email. This woman claimed to be in the military, currently stationed in Syria before taking a tour in Mauritius and then back to Syria.

We often talked about our dreams, about her experiences in the military life and even soccer during this past World Cup and Champions League.

However, throughout the course of the 10 months, she would often ask for my assistance when it came to financials. I was trying hard to be wary of the situation and often advised the woman that I was not comfortable with such matters, but yet being of the Christian faith, I always believed that it is important to give of one self.

Well, one of the things this Marine wanted to do was set up a Vitamin Water business while on assignment in Port Louis, Mauritius. To do that, she would need me to help put in some money, but I did not have too much money. Instead, I had to take out loans from three banks, as well as a loan against my 401k, to help keep her dream afloat between May and July.

Well, I find out that this is most likely not real and one of the things that disturbed me about this came this month, which really started almost six weeks earlier.

This Marine said her return would be in March from Mauritius, but due to an unforeseen circumstances, the coming home date was changed to August 6. Then, it would be changed to around the first week of December, with the Marine having an opportunity to come home during late September and early October. That never came, and what she wanted to do was sinister and questionable. I advised her that I was not comfortable, but she wanted me to max out my credit card to purchase what would be 16 iPhones XS Max 64 Gigs. Yes, you read that right.

She would make payments down on my credit card to get the balance low, and offered to also pay off two of the outstanding loans as well. Guess what? All those payments had been returned. Bummed out.

Now, I am struggling to make the minimum payments and I am days away from filing for bankruptcy. On top of that, I had just turned 32 just weeks ago, and not only that, my brother had a heart scare in which he needed angioplasty and my older sister had been diagnosed with cancer just weeks ago. Add that my mother suffers from diabetes and my father has a mild case of Parkinson’s disease and the last few weeks (well, really almost all of 2018) has been nothing but a sucker punch.

I know in reading this you make think I should have been more wary, and I understand your thoughts. But perhaps the toughest moniker I had to shed growing up was being labelled “most gullible” growing up. I thought I did, but now I realize I need more work.

All I wanted to find on the website was a suitable woman that I could share my dreams and talents with. Now, all I am facing is the possibility that none of my dreams will come to fruition.