Hey, what can I say. Truth hurts.

yup you figured me out
you know all about my life

i forgot :/

been there, man - it sucks when it happens

truely does

that is fucking crazy, good luck sorting all that shit out.

You're a fucking idiot. A classless idiot. People have to start from somewhere. 10k can wipe out most people in this biz. Not everyone is a high roller. Are you a high roller? You got no business going around slamming people for how much money they make.

Hey Bud,

I'm sure your trying all avenues but I bet you have a chance.

No matter what they tell you, there is someone at the bank high enough to make a decision that helps you out.

Be real nice and get to that person. Dont take no for an answer, but be nice most importantly.

Remind that person that you are not just an account number. Have prepared and show them statments, deposit slips, car payments that came from that bank acount. Basically everything that he could copy and prove to his board that you are and have what you say. He will want to cover his ass also.

Make sure he realizes that your car note is with his bank and those missing funds is what is used to pay that loan.

Ask him/her for suggestions for 3rd party organizations that can help out "victims".

Maybe they will realize that bad publicity and future defaulted loans might not be in their best interest.

The key to this is that you have to be nice throughout and you have to find the person that can make that decision.


good luck

That sucks big time man...hope it gets better soon for you

sorry to hear BUT two things-

why have everything in her name, bank account?? not smart for a few reasons..........

also, learn a lesson from this and pass on the Jack & cigs

yeah I am keeping my cool as I did not get as fucked her the mother in law is

but they are the co singers ont he loan so what they are wanting to do is take the car to make sure they get there money for what they lost

its all messed up
just happend so we will have to see what happens
shitty it happend today as more htan likely nothing will be said tell after the weekend

Indeed, check-cashing scams were listed on an AP (or was it CNN?) article this week about the "top 5 internet scams".

For those not in the know, "419 scams" are a nickname from section 419 of Nigeria's criminal law or something, as Nigerians have been famous for decades for scamming people with various mail, phone, and now internet cons. Nigerians even scammed companies like Enron and other American scammers out of many millions, they're good at what they do! This con may or may not have involved Nigerians, but the "419" name is used more generically these days.

Details like payment methods could vary, but the basics of it work like this: someone sends you a certified check, say for $11,000, you deposit it, and they instruct you to wire $10,000 to another party, and keep $1,000 for your "work." They can give all sorts of reasons for why that might seem plausible. The victim, having been told by all their friends that they're a fucking idiot about to fall for a 419 scam, is cautious, and calls their bank to confirm that the certified check has cleared, and the funds are really available, and the bank assures them it has. They wire the $10,000, spend the $1,000 on booze and laugh at their stupid paranoid friends. Then a couple days later the bank receives the check back from the originating bank with insufficient funds...they were saying that it cleared *their* bank, not the originating bank. So they deduct the $11,000 you desposited to your account, and the $10,000 you wired out is still wired out, so you're $10G in the hole. Or if it's your son-in-law's account, your son-in-law is $10G in the hole. And some Nigerian village somewhere is having a big pig roast with champagne as they chuckle at the greed and stupidity of Americans.

the account is in my and my girls name
my girl did nothing
her mom was a co signer on the accont as my girl has had it sence she was 16
just never thought her mom would fuck her

it was a leason larned

Lol webmasters who fail at Porn. I love it!!

Seriously, if 10k wipes you out, you have failed at porn, failed at affiliate programs/ webmastering, and most off, failed at life.

go troll somewhere else

Unless you are more than a month or two behind on the car payment, I don't understand how the car has anything to do with this situation at the moment. Banks dont repossess cars because their owners are overdrawn on their checking accounts, that's simply not the way the credit system works.

really? wehere's that a writen rule?

I think you're just being awefully high and mighty of yourself.

I love people like you. You make my day worth living knowing that there is some piece of shit worse off than me. You can have all the money in the world and still be a failure such as yourself.

Goddam, sue the bitch. Or shut her out of your life completely. Either will way will suffice :disgust

I'm not sure I'm 100% familiar with this scam. Was there a local "middleman" involved in the scam?

Did she deal directly with someone from nigeria or whereever?

We had something like that recently around here where a local guy was encouraging the people to "invest".

He was eventually sentenced to prison for 8 years. The important thing is that it was in federal courts. Federal courts will often include restitution in their sentence. The enforcemnt process is usually serious about the restitution.

Not sure if thats your case or not.

No written rule, common sense. If you live in the US, and have 10k in your account or less, your very poor. Hell if you have 100K or less your still poor. This guy has posted on here since 2003, you think by then he would have accumulated more than 10k in his account.

Hey I hate to be the bearer of bad news, but if youve been doing this for over a year, almost a year and 1/2 and you haven't accumulated six figures by now, then this isn't the job for you. You failed, move on..

i feel sorry for you i hope you can fix things soon!!

tell the bank that then :/
her step dad was the co singer on the loan for the car
now that her parents accounts are dead they have no gaurentee that the loan will be paid anymore other than to take the colatoral we put down and the car

jupz - I used to work for the bank. Unfortunately you will never see your cash again. When an account is jointly held, you are fooked good. NEVER co-sign for anyone and never go joint on an account with money in it you can't afford to lose.

However, the car should be fine, as long as you don't go deliquent on the loan... The car loan is based on income normally, so as long as everyone's income (your co-signers and yours) has stayed the same, the loan shouldn't be affected.

Perhaps, if you've held the car loan in good standing long enough, the bank may let you transfer it to your name now.

that is what we are hoping for but they are talking about how they are out of the money now and they want some sort of payment to recoupe what they lost.

There income wont change but there credit with the bank is changing

ughh stress hopefully we will find out more

I just wish there was something that could be done.

That doesn't sound right. A loan is independent of bank accounts, unless you have pledged the account itself as collateral. The value of the car is what secures the car note. Unless you are delinquent on payments they can't take the car from you.

Something doesn't sound right in there.

You have a very twisted sense of reality. I pity you.

Anyway JupZChris, sorry to hear this mosfortune... that really sucks. Good luck rebuilding and be sure to give your m-i-l a good bitch slap of a talking to.

Wow what a stupid bitch.

Did you show her one of the THOUSANDS of articles about the scam?

2 adults, with a kid no less.. should not have a parent on the bank account period.
seems like common sense to me....

the contract that was signed states that if the co signer is not able to take care of a payment if we miss it the loan is lifted

we put up a travel trailor and a vechicle as colateral so we could get the loan

if they are unable to collect the money they will take colateral from us

would you tihnk your family would fuck you ?
it is a leason learned
why keep saying the same shit everyone else is saying?"

Smoke the cigarettes while beating the mom senseless with the bottle of jack.

.

Sorry to hear that, hope everything works out for you soon

That's how I understand it generally too, but perhaps the bank set up some a weird structure that combines a checking account with a loan account, the way you can have a credit card tied your checking account. Otherwise I don't see how they can directly tie an overdraft/debt in a savings/checking account to an independent auto loan. They want their money, and could go through the courts to take whatever is needed to recoup the money, from whomever is on the overdrafted account, but it sounds like they're talking about seizing the automobile immediately.

if you are such a baller, paypal jup 10K and you will get mad respect from everyone in this thread

at the minimum, post a screenshot of your bank account, so that we can see that a 10k hit would only be a drop in the bucket for you

you fucking rat

I agree, he says $10k is nothing, so giving it up should be no problem.

the loan is not being lifted due tot he fact that the accont went negative it is being lifted due to the fact that the collateral we had down is no longer around due to this and the fact the the co singer is no longer able to pick up the bill if anything happens due to all this

that is why we have to wait for the bank to decide what is going on and will " negotiate " as I stated in this thread already

i second that ;) hehe
make it epassporte though ;)
lol

wait.

You havent killed her yet?


Mad respect bro

I couldnt control my self.
Id have killed someone by now.

Do i think my family would fuck me? No
Does that mean i am going to keep them on my bank account? No

Do i think i am going to get into a car accident? No
But does that stop me from buying insurance? No

Your pissy because i seemed repeatative, however, from my vantage point it seems like you need a little repetition when it comes to common sense issues.
Either way i wish you luck.

Shitty deal.

I've heard horror stories about some mother-in-laws. I've got a few of my own.

Hopefully you and your wife have a solid enough relationship to get through this.

When, not if, but WHEN this whole thing gets turned around and somehow becomes YOUR fault, remember to breathe deeply and not do anything stupid. This is when you'll find out how good your relationship is.

I wish you luck.

fuck people, the guy is 20. Give him a break.

Sorry that that happened to you. If they take your car see if you can save up, buy a cheep one and trade it back in for credit. I hope that you get the car taken care of.

I dont have a car either and I know how fucked up that can be. But in the mean time to you have a bus system where you live so you can buy food at least?


Oh and bonghitta put up or shut up you useless piece of shit.

my girl was just upset about all of it but she now understands it just money

we are fine

just simply amazed her mom would fall for this and she would be this selfish about the whole thing

Common sence ? lots of things looks like common sence to you ... people should "know" things they weren't told about in the first place .

Do I trust my mom ? Hell yeah ... she is still on my first bank account too ... and I'm sure it's the same for a lot of people in the 20s ...

Why was the mother in law even TOUCHING your money? OK, she's on the account - my son's on my accounts too in case something happens to me he has access to my $$$ w/o having to deal with legal BS, but from what you've said, that money WAS NOT HERS! For all intents and purposes, your MIL stole that money from you. Time for her to start greeting folks at Walmart until she gets you paid back.

I honestly feel fucking sorry for all of you people who have to worry about thier own mother fucking with your money.

I could never fathom the feeling of not trusting my mom.

Its sad when you have to take her off your bank account or some shit because you feel scared

Wish you luck. I doubt they will take the car away as long as you are making payments but the could sue you for the negative balance in your banking account. :Oh crap

I say time to take the Mother In Law on a little camping trip...

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BS....You turned out fine because your parents were blessed with common sense. It had nothing to do with love.

And don't feel too bad. My stepfather borrowed $360 from me and it's been a month and he hasn't even called me to tell me he isn't paying me. I was shocked. I had no idea that the only real father figure I've ever known would rip me off for a measly $360. I am truly shocked.

Jupz.. u posted this on Netpond..

http://www.netpond.com/showthread.php?s=&threadid=48160

"My life is FUCKED now

My girl has her mom on her back account where all of our money is and our car loan is at

her mom fell for a 419 scam that we warned her about and she swore she would not do it but she did

She ewnt in the hole 10g's
sence her mom is a co signer on the loan / account the bank froze our account

All of our savings = gone
all of our bill money = gone
more th an likely our car = GONE

her moms responce toa ll this " Why are you not being supportive of me ? "

WTF SHE FUCKED US OVER ... we have a god damn new born here and now we have no money to our name and gonna lose our car because of her stupid fucking greedy ass looking to get rich quick


i am on the brink of buying a pack of ciggaretes and a bottle of jack and saying fuck it"