Serious question regarding chargebacks and check fraud... - GoFuckYourself.com

stocktrader23 · 12-02-2003, 11:38 PM

Does anyone here know if there are any special requirements for a company or individual to attemp to collect from the people charging back and/or bouncing checks to paysites.

This would be a 3rd party collecting on behalf of other websites the DO NOT own for a commission on amounts collected.

I know, I know, this isn't a lawyers board but I was hoping someone would have some experience with this. If anyone knows that there is something required please let me know where I could find any info about it.

This is a huge issue in the adult market and some partners and I are seriously considering giving it a go.

Any imput would be appreciated.

quiet · 12-02-2003, 11:40 PM

cb collector?

Lane · 12-02-2003, 11:41 PM

dont the 3rd party processors make you agree that you cant go after the people who chargeback?

stocktrader23 · 12-02-2003, 11:47 PM

Quote:

Originally posted by quiet
cb collector?

Yes, but I'm almost certain that you have to be licensed as a collection agency before buying debts to collect for yourself. I was hoping somebody would know exactly how this works so I could decide which way would be the easiest to get set up. I checked into mainstream collections (offline) but that was several years ago and I really don't remember the requirements.

stocktrader23 · 12-02-2003, 11:50 PM

Quote:

Originally posted by Lane
dont the 3rd party processors make you agree that you cant go after the people who chargeback?

No idea, and that's something else to look at. I suppose they "handle" collections for you?

Lane · 12-02-2003, 11:54 PM

Quote:

Originally posted by stocktrader23

No idea, and that's something else to look at. I suppose they "handle" collections for you?

the thing is, since they are the merchant, they own the transactions. u dont really have the right to try to collect.

(someone correct me if i'm wrong)

stocktrader23 · 12-02-2003, 11:57 PM

Quote:

Originally posted by Lane

the thing is, since they are the merchant, they own the transactions. u dont really have the right to try to collect.

(someone correct me if i'm wrong)

Well, I'll definately look into it. Hopefully that isn't the case because that's 100% bs.

stocktrader23 · 12-03-2003, 12:17 AM

AlienQ - BANNED FOR LIFE · 12-03-2003, 12:19 AM

Best bet is retribution by banning them sorta of people off our networks.
Many ways to go about it too.

Volantt · 12-03-2003, 12:21 AM

Not worth the effort on a ~$20 bill, imho

Plus they I do not believe you could actually file suit against them since they claim it was an unauthorized charged meaning they have little to no liability to payup.

V

stocktrader23 · 12-03-2003, 12:24 AM

Quote:

Originally posted by Volantt
Not worth the effort on a ~$20 bill, imho

Plus they I do not believe you could actually file suit against them since they claim it was an unauthorized charged meaning they have little to no liability to payup.

V

Do you actually work in the adult biz? Of course it's not worth the effort for a small site that has like $60 hanging. I'm talking about on a large scale, I'll take a stack of 20's from thieving fucks anyday. Not to mention you can charge collection fees, bounced check fees, etc. Don't worry about the business model, I'm just asking if anyone knows about this at all.

BVF · 12-03-2003, 12:45 AM

wouldn't it be more cost effective to not accept checks at all? Wouldn't the costs balance out as opposed to being defrauded and trying to collect debts?

stocktrader23 · 12-03-2003, 12:54 AM

Quote:

Originally posted by BVF
wouldn't it be more cost effective to not accept checks at all? Wouldn't the costs balance out as opposed to being defrauded and trying to collect debts?

At the profit margins adult offers?

MandyD · 12-03-2003, 01:33 AM

The Chargeback Company http://www.crbcompany.com/

andi_germany · 12-03-2003, 01:55 AM

Quote:

Originally posted by Volantt
Not worth the effort on a ~$20 bill, imho
V

I am tired of this statement. It is one of the reasons we actually have this problem.

Quote:

Originally posted by Volantt

Plus they I do not believe you could actually file suit against them since they claim it was an unauthorized charged meaning they have little to no liability to payup.

V

Someone who claims an unauthorized charge should by default get his credit card number blocked and a new card issued. That what normally happens when someon claims fraud but it rarely happens with any chargeback.

MakeMeGrrrrowl · 12-03-2003, 02:04 AM

Quote:

Originally posted by Lane

the thing is, since they are the merchant, they own the transactions. u dont really have the right to try to collect.

(someone correct me if i'm wrong)

Actually this is not true. You can buy bad debts and then you own them and you can collect on them.

Stock if you're seriously considering this, then do a search on the Fair Debt Collection Practices Act. Their site will most likely tell you how you go about it. Also what you can and can't do, different states also have different laws regarding collecting debts. For instance in PA you can't contact someone twice in 7 days at home and you can not contact someone twice at their job in a 30 day time period...it probably has not changed but that was the law here in PA 5 years ago.

Lane · 12-03-2003, 08:36 AM

Quote:

Originally posted by MakeMeGrrrrowl

Actually this is not true. You can buy bad debts and then you own them and you can collect on them.

Stock if you're seriously considering this, then do a search on the Fair Debt Collection Practices Act. Their site will most likely tell you how you go about it. Also what you can and can't do, different states also have different laws regarding collecting debts. For instance in PA you can't contact someone twice in 7 days at home and you can not contact someone twice at their job in a 30 day time period...it probably has not changed but that was the law here in PA 5 years ago.

can you verify that with ccbill?

polish_aristocrat · 12-03-2003, 09:40 AM

I think there's someone already dpoing it.
Make a GFY search.

wizz · 12-03-2003, 10:04 AM

Quote:

Originally posted by stocktrader23
Does anyone here know if there are any special requirements for a company or individual to attemp to collect from the people charging back and/or bouncing checks to paysites.

This would be a 3rd party collecting on behalf of other websites the DO NOT own for a commission on amounts collected.

I know, I know, this isn't a lawyers board but I was hoping someone would have some experience with this. If anyone knows that there is something required please let me know where I could find any info about it.

This is a huge issue in the adult market and some partners and I are seriously considering giving it a go.

Any imput would be appreciated.

stocktrader23,

AdultRep collects chargebacks on behalf of our clients in total compliance with the Fair Debt Collection Practices Act and state collection laws. Collections is one of the most highly regulated businesses at the state and local levels. In cases where we do not have the state licenses to collect in a particular state, we have parternships with fully licensed state collection agencies that handle our collections in that particular state.

Webmasters can be held liable if they are using an unlicensed collection agency to collect their debts. If you run a website and would like to have a licensed collection agency collect your chargeback debts, please contact us.

You can also see the details of our service here: http://www.adultrep.com/ipsp_chargeback.htm

Victoria

12-02-2003, 11:38 PM	#1
stocktrader23 Let's do some business. Industry Role: Join Date: Jan 2003 Location: The dirty south. Posts: 18,781	Serious question regarding chargebacks and check fraud... Does anyone here know if there are any special requirements for a company or individual to attemp to collect from the people charging back and/or bouncing checks to paysites. This would be a 3rd party collecting on behalf of other websites the DO NOT own for a commission on amounts collected. I know, I know, this isn't a lawyers board but I was hoping someone would have some experience with this. If anyone knows that there is something required please let me know where I could find any info about it. This is a huge issue in the adult market and some partners and I are seriously considering giving it a go. Any imput would be appreciated. __________________ Hands Free Adult - Join Once, Earn For Life "I try to make a habit of bouncing my eyes up to the face of a beautiful woman, and often repeat “not mine” in my head or even verbally. She’s not mine. God has her set aside. She’s not mine. She’s His little girl, and she needs me to fight for her by keeping my eyes where they should be."

12-02-2003, 11:40 PM	#2
quiet we'll miss you our friend. RIP Industry Role: Join Date: Sep 2001 Location: Fernie, BC Posts: 25,115	cb collector? __________________ we'll miss you our friend. RIP

12-02-2003, 11:41 PM	#3
Lane Will code for food... Join Date: Apr 2001 Location: Buckeye, AZ Posts: 8,496	dont the 3rd party processors make you agree that you cant go after the people who chargeback? __________________

12-03-2003, 12:17 AM	#8
stocktrader23 Let's do some business. Industry Role: Join Date: Jan 2003 Location: The dirty south. Posts: 18,781	. __________________ Hands Free Adult - Join Once, Earn For Life "I try to make a habit of bouncing my eyes up to the face of a beautiful woman, and often repeat “not mine” in my head or even verbally. She’s not mine. God has her set aside. She’s not mine. She’s His little girl, and she needs me to fight for her by keeping my eyes where they should be."

12-03-2003, 12:19 AM	#9
AlienQ - BANNED FOR LIFE best designer on GFY Join Date: Mar 2003 Location: IALIEN.COM - High Definition Video and Photographic Productions -ICQ 78943384 Posts: 30,307	Best bet is retribution by banning them sorta of people off our networks. Many ways to go about it too. __________________ NAKED HOSTING FTW!11 I'm On The INSANE PLAN $9.95/mo! \| The Alien Blog Adult News Worth Reading Updated Daily \| Content For Sale! 641 PICS 216 MINUTES OF VIDEO $350.00 \|ICQ: 78943384 \|

12-03-2003, 12:21 AM	#10
Volantt Confirmed User Join Date: Nov 2003 Location: Penguin vs Devil Posts: 745	Not worth the effort on a ~$20 bill, imho Plus they I do not believe you could actually file suit against them since they claim it was an unauthorized charged meaning they have little to no liability to payup. V __________________ "Only the dead have seen the end of war." - Plato "In the abscence of orders, go find something and kill it." - Erwin Rommel "A man's worth is no greater then the worth of his ambitions." - Marcus Aurelius

12-03-2003, 12:45 AM	#12
BVF Black Vagina Finder Join Date: Jan 2002 Location: The Midwest Posts: 13,975	wouldn't it be more cost effective to not accept checks at all? Wouldn't the costs balance out as opposed to being defrauded and trying to collect debts? __________________ Black Pussy Click On Mr Cosby..CCbill, 60/40, 136 FHG's....The Cos Loves Black Ghetto Pussy!!

12-03-2003, 01:33 AM	#14
MandyD Confirmed User Join Date: Dec 2002 Posts: 477	The Chargeback Company http://www.crbcompany.com/ __________________ Babes Links

12-03-2003, 09:40 AM	#18
polish_aristocrat Too lazy to set a custom title Join Date: Jul 2002 Posts: 40,377	I think there's someone already dpoing it. Make a GFY search. __________________ I don't use ICQ anymore.