BUYER SCAMS.com

FAQ's

Mon, 15 Oct 2007 17:03:31 PST

FAQ's

(To view an answer to question, control f( find fuction), type in last two words of question. Ex #1 internet class. #2, it do #3 the pre-interrogaton etc.etc.

Internet class

FORUMS

Sat, 15 Sep 2007 04:25:39 PST

http://www.buyerscams.com/forums/

Desperate to sell?

Mon, 10 Sep 2007 07:34:54 PST

A lot of inquires as to "What are the pro's and cons about the "we buy ugly homes", "we sell your home", "Sell it fast" etc.

There are no "Pros". These companies will pay, at most, 50 cents on the dollar. If you really need to sell your home fast it is best to avoid these companies.

Here is a solid suggestion: (1) Avoid Realtors. The fees add up to thousands of dollars. The average home selling for $100,000 will cost the owner around $6000.00 (6% average).

(2) Hire a lawyer and make sure the lawyer is a Real Estate Lawyer. Also make sure the attornes does not charge you a comission but a flat rate. If the attorney is any good they will have experience and know what to charge. Avoid attorneys who will charge by the hour. Doing the paper work is not worth thousands of dollars. (3) Establish the selling price by going to your local court house and ask for a "real estate card". This is usually free of charge. Determine the selling price of other homes from the "real estate card" and price it below market value (remember you are looking for a quick sale). The attorney can recommend a title company. The title company will do the majority of paper work for a reasonable fee. Ask your attorney lots of questions.

(4) Use caution when showing your property. Any Real Estate site has good information you can use for a quick sale.

(5) Do not wate time on individuals who are "pre approved". Remember "pre-approved or pre-qualified means just that. They are approved to be approved only. Invest your time on someone who is approved.

Advertise in the papers and on the internet. If you must use a realtor, do some background checking on the agent and the company. One of the best ways to determine a good realtor is to call their cell phone after hours. No answer no service. Keep this in mind, it is the buyer who will pay the realtor fee, not the seller (see who pays the fee's on this site.)

Identity Theft

Sun, 09 Sep 2007 19:28:45 PST

Identity Theft is not "Identity Fraud". There is a major difference. Generally speaking, Identity Theft is when someone uses your social security number along with other identifying documents such as a drivers license, work entry cards, address etc.

Identity fraud is when someone uses your credit card to make a purchase without your knowledge or permission.

This is important to know, especially when a policy is assigned to you as in "payment packing" (see our dictionary) from banks or mortgage companies or if you are intending to purchase a policy on your own.

It is a phenomenon how people react to Identity Theft. They either begin running to credit report companies such as “FICO score report” or Get Pre Qualified. Com or any of the many other fraudulent companies out there. These companies are related to one another and will not be able to do the “victim” any good at all. Plus these companies will cost more money than they are worth. According to Federal Law, the consumer is allowed one free credit report per year. There are three reporting companies. They are (1) Experian, (2) Equifax (3) Trans Union. The web site is www.annualcreditreport.com ” For those who prefer not to do business on the internet; their phone number for a report by mail is 877 322 8228.

Identity Theft protection is generally not an insurance policy but is suppose to act as a buffer, protection from being a victim. A good policy will stop the crime where other policiy's take action after the crime has been committed. There are banks who issue policy's such as "First Indiana Bank" when you open a checking account and it is underwritten by "member companies of American International Group, Inc. and they call it "insurance". There are scores of people who spend needless amounts of money to companies who make false claim’s and persuade the consume to check daily on their credit activity. This is absurd.

In essence what these companies mean to tell the consumer is “pay us $600 a year and you can check your credit daily. If you see un-authorized activity you can do something about it and we will even help pay postage.”

It would be much better to have a solid reputable company protect your personal information and give warning BEFORE the crime is committed.

This site does not allow paid advertising. We can however recommend a superb company that guarantees to protect your information; in fact this company puts its money where its mouth is. It is without a doubt the best company in business. Their ‘terms and conditions are favorable as is their privacy policy, and they back their word with a 1,000,000.00 dollar’s. If their system is violated and you suffer a loss while under their protection they will pay you back every cent of your loss, including time loss from work, attorneys etc.

They will charge you $10 a month for their service.

The site is

Quickie-101

Fri, 07 Sep 2007 13:59:54 PST

False Advertising is the use of deliberately flase statements or deception in advertising, in order to gain a commercial advantage. As advertising has the potential to persuade people into commercial transactions that they might otherwise avoid, many governments around the world use regulations to control false , deceptive or misleading advertising.

FALSE ADVERTISING REGULATIONS IN THE UNITED STATES.

Advertising is regulated by the authority of the Federal Trade Comission a United States administrative agency to prohibit"unfair and deceptive acts or practices in commerce" While it makes laymen's sense to assume that being deceptive is being unfair, deceptiveness in practice has been treated separately by the FTC, leaving unfairness to refer only to other types. All commercial acts may be deceptive, not just advertising, but noncommercial activity such as advertising for plitical candidates is not subject to prosecution under the FTC Act. The 50 states have similar statutes, which generall ae very similar to that of the FTC and in many cases copied so closely that they ae known as "Little FTC Acts. "While the terms "false" and "deceptive" ae esssentially the same for most, being deceptive is not the same as producing deception. What is illegal is the potential to deceive, which is interpreted to occur when consumers see the advertising to be stating to them explicitly or implicitly, a claim that they may not realize is false and material.

The latter means that the claim if relied on for making a purchasing decision, is likely to be harmful by adversely affecting the decision. Evidence must be obtained for what consumers saw the ad saying, and for the materiality of that, and for the true facts about the advertised item but no evidence is required that actual deception occurred, or that reliance occurred, or that the advertiser intended to deceive or knew that the claim was false.

The goal is prevention rather than punishment, reflecting the purpose of civil law in setting things right rather than that of criminal law. The typical sanction is to order the advertiser to stop its illegal acts, or to include disclosure of additional information that serves to avoid the chance of deception but there are no fines or prison time except for the infrequent instances when an advertiser refuses to stop despite being ordered to do so.

PRICING-BASED METHODS

In the UK most price based methods of false advertising are prohibited and strictly regulated. Hence the methods detailed below are rarely encountered and used only by the most disreputable operators.

REBATES

Rebates were originally intended to pass savings directly from the manufacturer to the consumer. However in the U.S. they have become probably the biggest way to trick shoppers into paying more than the advertised price. Stores advertise a “sales ”price and not only in the fine print that it is not the price at which it is actually sold for , but instead an “after rebate” price, which also fails to include sales tax. Many rebate fulfillment companies have been accused of intentionally reneging on obligations to return money to the customers.

Inflated price comparison

In comparing a sale price to a “regular” price for the same product, advertisers can inflate the “regular” price in the order to create the impression the sale price is very low. The intent is obviously to mislead consumers into thinking that they are saving money by purchasing the “on-sale” item or service. Some clothing stores in particular have essentially every item on “sale” and some grocery stores advertise “savings” over their regular prices for those using loyalty cards.

In the United Kingdom, under the Sale of Goods Act, any item in a sale must have been sold at the non-sale price for at least 28 consecutive days. Many companies sidestep this requirement by selling items at very high prices in a single store (often in expensive parts of London) for 28 days, before selling the items at the “sale” price in their other stores.

Introductory offers

An introductory offer is an offer for an ongoing service which is only valid for a certain introduction period. After this period, the price or terms of the agreement change, often without further notice to any consumers which have accepted the initial offer. This differs from bait and switch because the terms or “bait” are in fact actually delivered (making it only deceptive rather than inherently false) but the switch still occurs later on.

The most common form of this is credit cards which offer low interest rates to start and than rise greatly afterward. Enormous increases in rates are often triggered by a single late or overdraft, in addition to the enormous fees for the late or overdraft. Credit card companies have been criticized in the U.S. for luring college and university students with these offers and then making huge profits from the fees and rates after the students get themselves into debt.

Introductory offers are also very common for cable TV; satellite TV, VoIP, and Internet services, especially those with bundling. The intent is to get the consumer used to receiving the service before the price goes up , so that they will continue on as customers with a much higher profit margin for the service provider.

OTHER DECEPTIVE METHODS

Misrepresentations

Utilizing words such as descriptive terns or location terms to increase the perceived value of a product. An example would be advertising “Maine lobsters” when in fact the lobster are from the Pacific ocean, or Vidalia onions which are from Texas instead of near Vidalia, Georgia. These can also be considered infringements of trademarks in many cases. Another example is the United Egg Producers “Animal Care Certified” logo on egg cartons which misled consumers by conveying a higher level of animal care than was actually the case. Both the Better Business bureau ad the Federal Trade comission found the logo to be deceptive and it can no loner be used.

ADVERTISING THE MAXIMUM

Internet services providers may advertise their services as offering “up to 256 kbps”, whereas on average use it could be just 20 kbps. The use of “up to” in the description protects the legally, while raising false hopes in the customers. Further, in the fine print it is mentioned that this includes both the download and upload speeds, deterioration the customer’s usage experience even more.

FILLERS AND OVERSIZED PACKAGING.

Some products are sold with fillers, which increase the legal weight of the product with something that costs the producer very little compared to what the consumer thinks that he or she is buying. Food is an example of this, where chicken meat is injected with broth or even brine, or TV dinners are filled with gravy or other sauce instead of meat. Canned tuna ay also be labeled with a weight that includes the water or vegetable oil, tough these are almost always drained off and are therefore useless.

In other cases, packages are under –filled, simply leaving empty space at the top, in products such as coffee cans which cannot be seen into until being purchased and opened at home. Particularly deceptive is when the same size of packaging is used for less product than it used to. This deceives consumers into continuing to buy the product, which they expect to have the same amount it always has. To evade legal problems, the label is changed to reflect the actual new amount, but this is essentially fine print which anyone is unlikely to notice.

A similar problem in Christmas lights and other light strings is that the length of each set seems to get shorter each year, despite containing the same number of lights. The length of the set is given in small print while the number of lights is in large print.

NON-EXISTENCE OF REQUIRED INFORMATION

It is mandatory in most countries to have a date of expiry in products. Many countries enforce that a “normal” food and beverage “must” expire within 6 months or 1 year, however, some products, intentionally code the manufactured date and not the expiry date, or the reverse (where the expiry s\ate is printed, but not the date of production).

The other form of information required is the Net Weigh (which means, the actual weight of the product without the weight or size of packaging and fillers) of the product.

Many products also lack the country of manufacture code instead has the country forwarding the product. Some products have a list of countries permitted to sell the product but have no information of the country of origin.

Check you credit report

Thu, 06 Sep 2007 05:08:01 PST

Here again is an example of how important your personal information is. Identity Theft is growing at such a rapid rate and consumers information is so readily available it is to the point of being obsene. So why would anyone want to put their information in cyber space on a daily basis. This makes no sense at all. The ad on the first page of this site is deceptive.

I have broken it down into 3 segents and will reproduce it here

The first "thumb" shows the entire ad that is placed on the web. Notice that what is predominate is the "GET ALL 3 FOR FREE" button. This is a great example of "divirsionary advertising" (consult your CD)

The color and the size of the "get all 3 for free" button is the first thing that your mind will register. Note the wording just above the "button". It states "ConsumerINFO.com and Credit CHECKTOTAL are not affiliated with the annual free credit report program. Under a new Federal Law you have the right to receive a free cop of your credit report once every 12 months from each of the three Nation wide consumer reporting companies. To request your free annnual report under that law you must go t www. annual credit report. com.

Now this is fine and dandy. At least it's not sneak wrap. What is troubling is the message that is above and below the free button. It reads as follows .

Above the FREE button it states:listed under Important Information : When you order your free report here, you will begin your free trial membership in CREDIT CHECKTOTAL. If you don't cancell your membership within the 7 day trial period you will be billed $29.95 for each month that you continue your membership.

Below the FREE button it states: It may take 2-3 weeks for you to be eenrolled in the credit monitor program across all 3 companies and before you begin receiving alerts.

What this sounds like to me is that once enrolled, if you decide to cancell there may not be any record of your account for 21 days. You only have 7 days to cancell. Go figure. Not only that, they have your credit card information and will bill you for a minimum of one months service whether you use the service or not.

Credit Reporting

Thu, 06 Sep 2007 04:08:26 PST

Credit: There are more scams companies out there who thrive on getting personal information from individuals who either dont know how important their personal credit information is or they are just to trusting.

Any compay who claims that they can "fix" you credit is full of baloney. The only one who can "fix" your credit is YOU.

There are a lot of ways these companies make money off of the uninformed. All these companies are in business to make money. Think for a minute. Here's an individual who is going bankrupt, has bills galore, dosen't know which way to turn so what do they do? Go deeper into debt and pay a company money that they don't have in the hopes that this "God sent" company will straighten out their mess.

The fees that these companies charge are outrageous. They lie and use deceptive advertising to lure the uninformed, and charge into the thousands.

Here's why they can't "fix" your credit.

Credit reporting works on a "round robin" basis. It works like this.

You live in area A. There are computers that have information about you and your buying habits as well as a credit score. Area B also has a computer that has all your information as does area C. You live in "A". The information that is in the "A" computer is also in the "B" and "C" computer.

Ok, now you pay someone to remove the negative information from "A". When "C" reads the information that is in "A" and finds the "negative information is missing it will automatically put it back in. Now "A" reads "B" and if the information is correct "A" goes back home. If information is missing than "A" puts in the missing informaton and then goes back home.."B" reads "C" etc.

The only one who can effectively remove any "negative information is the vendor who is owed the money.

Morale: Take care of your negative credit removal yourself. Contact who ever you owe money to and work something out, anything. You will find that if you show you are trying most "reputable" comanies will be glad to work with you and you will save yourself a lot of money.

Know who you are working with. Companies like "800CREDIT" are nothing more than referral companies. They sell your information to other companies and will do little for you.

This page is under construction.

Liars

Thu, 06 Sep 2007 03:49:20 PST

This page is for members only.

Individual Deception

Thu, 06 Sep 2007 03:48:15 PST

Log in

Tue, 04 Sep 2007 18:56:10 PST

Free ? The "hottest" new scam and money maker.

What's on a credit Report ? Holidays coming: use caution.

Who want's YOUR information ? Cell Phone contracts?

New Version of old Scam What do they mean?

Quickie-101 Got fraud? www.catchathief.com

Primary Goal(s) consumers@buyerscams.com or see FORUM

You Lose!

Sat, 25 Aug 2007 13:34:41 PST

YOU LOSE !

Question: What do you think the percentage is of people who bought either a new or used vechicle who actually "got a good deal"?

The statistics vary so I will take an educated guess of .00001 %. Everyone who buys a car braggs about how good of a deal they made. I really doubt it. The small percentage who "think" they really got a good deal probably did better than most but they still "got taken".

The AUTO SALES business is where the biggest con the world has seen got it's start. This "con" started with auto sales and has been going on for years and years and the general public is still buying it. It's called a REBATE. Baloney!!.

Question: Which of the two senarios below do you really beleive;

Senario #1 Lets say Ford Motors uses all it assets, all it's resources and all it's money to build a dandy $30,000 automobile. The product is finished and the big wigs are in a conference room and someone say's " Ok gents, we need to sell this car for $ $30,000 in order to make a profit. Tell you what. Lets dig into our own pocket, take out $3000. and give it to the consumer. We'll call it a REBATE. The consumers should like that". or....

Senario #2 Same senario same big wigs and same conference room: Guys, we need to sell a lot of cars and I think that If we raise the price of our car from $30,000 to $33,000 and then tell the consumer that they will get it back in the form of a REBATE. They should fall for that. Here's the best part. We wont even give them the $3,000.

Of course both senarios are over simplified but the truth is "THERE IS NO SUCH THING AS A REBATE". The rebate has invaded just about every aspect of advertising like a cancer. The Rebate is a "corporate fabrication". The "rebate" has had so much success and makes so much money for the offeror that a tremendous number of business's now offer rebates on a multitude of products.

Cell phone companies have rebates, computer comanies have rebates, clothing has rebates, furniture, appliances, travel agencies, television sets everything has a rebate. Even candy bars now have rebates. If that's not bad enough they figured out how to improve on the original rebate and now we have the "Mail in Rebate". THINK..you have a "mail in rebate" where the terms are that YOU send money to corporate with the hopes that they will send it back!! DUH! . Corporate even has different versions of the "rebate". How about the "IN-STORE" rebate or the "INSTANT" rebate. This is exactly what the "fast change artist does"

The rebate scam doesn't end with the manufacturer. When the consumer get to the dealership they have to figure out what the dealer is pulling when you have to decide if you want the 0 interest and 1/2 rebate, rebate assigned to dealer, rebate assigned to factory or rebate instead of 0 interest. Isn't the customer suppose to get the rebate? I have never met anyone who has gotten a rebate check at the dealership or received a rebate check in the mail.

Not only does the dealer flim flam and fast talk about the rebates, they have scams after scam to bewilder the vulnerable consumer. The consumer buys a vechicle about once every 2 to 3 years. The sales people and the finance folks practice their trickery 365 days a year , waiting for you to show up. Here you come walking in the door and they are ready, they truly are professionals and you are fresh meat.

Now they go into their fine tuned "pitch". You don't stand a chance. If the lie's they tell you about your credit (credit score scam) won't work on you they instantly change gears and keep hitting you . There's the (finance fell through scam), (straw purchase scam), (online check bounce scam). If they haven't beaten you down yet there's always the (fake vehicle escrow scam), (payoff scam),( dealer prep scam) and the (forced warranty scam). When it's all done, rest assured that (payment packing) is on it's way.

There are ton's of on line help for you to research before you go to the dealership. There's Cars direct, Full folder, Car buying tips, Invoice dealers, Yahoo!autos, and slews of others. You can spend hours on the net reading how to beat the car dealer. You won't.

Did you ever stop to think why are there so many "helpful" sites at your disposal when it comes to purchasing an auto? The reason is because the profession of selling of autos is as crooked, corrupt and deceptive as it can get.

The tricks never stop. From the moment you walk on their lot you are fresh meat. Take a test drive? Before you come back from you 5 or 10 minute test drive the entire sales force knows about your credit history. The dealership "pulled you credit history from the copy of your license they said they would have make a copy for insurance purposes. The "loan" you think you signed for is not a loan application but a "retail Installment agreement or retail sales agreement. There is a difference between the two. A retail sales agreement is NOT a loan application. The dealership is setting the stage so he can "shop the paper' , get the best rate for the dealership and stick the consumer with the highest rates they can. I can assure you that you are being "worked" by professional's.

There have been representatives on television talk shows giving reasons for the "rebate". All are illogical. "preparing the consumer for a price increase" is not only illogical but stupid. I have had intelligent people say something to the effect " well company a is buying from company b an if sales reach expected levels than company c will reimburse company b..it makes no difference who is doing what to who, the consumer is still money out of pocket.

If you are in the car buying market or you just want information to try to keep yourself from being victimized you can check out some of the sites listed above. Just keep in mind that all the sites mentioned all have "terms and conditions" and severe privacy policy clauses. Enter their sites at your own risk and READ THEM CAREFULLY AND LIMIT THE PERSONAL INFORMATION YOU SUPPLY THEM.

There are three basic steps to making a new or used car purchase without totally being taken to the cleaners. Step 1 Make sure you are not "upside down" on your current vechile. (2) Never tell the dealer you are going to trade your old car in until after you settle on price. Then hit them with "I think I will trade in my clunker, How much will you give me for it? The math is simple. Simply subtract old from new.(3) Never, never jump at dealership financing. Get rates from your bank and at least two other source"s. COMPARE THE RATES AND TERMS. In the past banks had the best "deals" but it's up to you to read and question all conditions.(see bank scams on this site.)

Note: for additional information on the scams listed above in bold italics, consult our dictionary.

If you have any questions or would like to add to this article please contact; consumers@buyerscams.com

This page is under construction

Weight loss

Sat, 25 Aug 2007 09:59:12 PST

(Not archived)

This advertisement was broadcast on television on the 24th of August, 2007. The ad is deceptive. When any company advertises in any media, TV, radio, magazines etc. the company sign's a form that holds the advertising agency harmless from false claims and misrepresentations. The claim "We couldn't say it on TV if it wasn't true" is totally bogus.

Consult your training CD. for indicators of deception. These are the "negatives". Their product has not been evaluated by the Food and Drug Administration. They do not identify who the "Recogonized lab is. They tell you for best results use in conjunction with sensible exercise and diet. Their tests prove results are "virtually" .... The study constisted of a whopping 24 people. There is a class action suit agains the company. You have to buy 2 bottles to get one free. (one bottle costs $40) Their privacy policy was inoperative. Their "terms and conditions" were inoperative. Their "affiliated" page was working fine(this is the money page and how they pay other companies to mislead the consumer). They claim to belong to a "presitgious" direct marketing firm. They claim not to have documentation of the clinical tests preformed. In order to purchase a bottle you must give far to much information to the company. For more information : http://www.lawyerandsttlements.com/case/akavar-20-50.html .

ABC Health care benefits

Sat, 25 Aug 2007 09:14:40 PST

Third quarter (not archived)

This company advertises on TV. August 24th,2007 .Out of 10 indicators of deception listed below this company has 1,2,3,5,6,8,..That's 6 out of 10 indicators of deception. Use extreme caution and common sense if you approach this company.

Indicators of a deceptive company.

1 The coverage cost around 25 % LESS than the norm

2 The plan readily accepts people with serious illnesses and other meicl onditions that orner plans normally reject.

3 The insurance has few or no underwriting guidelines

4 You're approached by an insurance agent, phone or direct mail. Honest groupsplans normally are sponsored by your employer-and aren't sold directly to individuals.

5 The plan isn't licensed in your state, and the agent (falsely) assures you the federal ERISA law exempts the plan from state licensing.

6 The plan seems like indurance, but the agent or rep avoids calling "insurance" and instead uses evasive terms such as "benefits"

7 The agent or re dosen't have clear answers to your qutestions, seems ill-informed, or avoids sharing information.

8 You've never heard of that health insurance company-and nobody else has either.

9You have to join an "association" or "union " to obtain the health coverage. But you get no voting rights, receive no bylaws or other material.

10 Your hospital keeps calling you to complain that your health plan isn't paying your bills.

BEFORE ENTERING READ THIS

Fri, 24 Aug 2007 10:53:29 PST

Introduction

This site is for the casual surfer or anyone who is interested in obtaining a little more knowledge about how some scams work and how to avoid pit falls. When I started this site I was super, super serious about being ripped off and taken to the cleaners. My thinking was that everyone was out to get me. NOT SO. THere are a lot of great companies out there. Just so happens that the line of work that I have been doing for the past 25+ years has turned me paranoid This site is about consumers being scammed , ripped off, conned., taken to the cleaners, abused and most importantly being "CONTROLLED" This site is still in it's infancy and is a work in progress so if you enter you may get a little lost but stay with me, I will get it right. If you want to add your opinions and suggestion please do so..I could use the help.

Every once and in a while someone would read the information on this site, drop me a line and I would do my best to answer their question, mostly from my personal experience. I am not a psychologost or financial advisor. I am a Forensic Document Examiner and a certified Statement Analyst and have been associated with scams and deception for my entire professional career. A couple of years ago I realized that the statement obtained form a suspect and pr an advertisement could be analyzed in exactly the same way.

In the process of developing this site, alot of questions were asked on "how to" and "what should I do". Most of the questions pertained directly to money, shady tactics of certain businesses and of course Identity theft. After answering a bunch of questions I realized that I was actually having FUN sharing information. Instead of doom and gloom, I realised how this subject matter related to saving money as well as heart ache by identifying "cons" in advertising.

This site is meant to be educational. I know that most consumers know they are being taken advantage of and this information just sheds a little more light on the "how's". Basically what I have done is translate some of the "legalese" that is found in advertising and put it in a way that is easy to understand. It is MY interpretation. What people say is not what they mean and what they mean is not what you heard (or read) Here are some examples of how the language is distorted. The following thumb has 12 examples of "mis-understanding. Each slide will appear for 4 seconds. In advertising this "misunderstanding is intentional. Most consumers don't know the difference between an APR or an APY,and many financial instutions count on this. Financial terminolgy is used to really bamboozle the client/customer. APR means annual percentage rate and APY means annual percentage yeild. Remember this, an AP(R) INTEREST RATE is the rate that you will REPAY the lender. This includes all fees and point etc. The AP(Y) is what (Y)OU are paid as in an interest bearing checking account. Just remember apR=retuned to bank/lender and apY=what you will be paid from them. If you weren't aware of this, the next time you see the APR listed with the APY you will notice that the APR is always much larger.

This site will give you sufficient information that will help protect yourself from Identity Theft as well as learning how to read between the lines and identify when an ad leans toward the deceptive side. You will be amazed at how obvious it really is. There is a CD that is in the process of being completed. It contains all the information that is needed to analyze any ad or verbal communication. It will be available By Jan 1st 2008. There will be no cost for the CD to members. Membership will be $19. Non members can purchase the CD for $40

Why membership? One word..Lawyers. I don't have the capital to pay for what is being attempted. This site has no advertising for three reasons. (1) I am attacking their bread and butter. (2) I am attacking their bread and butter. (3) I am attacking their bread and butter. Twenty year ago, I could understand how the consumer let criminal acts as portrayed on this to slide. Today as "connected" as the world is there is no excuse for allowing this to continue, no excuse at all. "Nuff said"

This site is meant to be interactive. We both have the opportunity not only to learn from each other but to participate in creating a unique media. We, consumers are losing control rapidly. All you need to do is click "controf F for the find function and read "horror stories". This will give an idea of where we are heading, no make that where we are at NOW. I need viewer input. Ideas, thoughts, suggestions. I really would like to hear from viewers to this site. Of primary consern is how the banking/finance companies are sticking it to the public. (read horror stories. If you have one let me know about it). I feel that financial instutitions are ais a good place to start a movement of some kind , any kind, at least to our political representatives. I can't do it by myself.

We live in the "information age". YOUR information is worth it's weight in gold and a lot of businesses go to great lengths to get it. (Read "dangerous receipt and let someone else know about it) Knowledge is power and information can be destructive if it falls into the wrong hands . The more information someone can get on the "victim" " the easier it is to be sudessful in stealing your identity. Your first lesson-Most internet sites covertly have the "viewer waive ALL of their rights". (see "Yellow pages an open book" on this site.)

This site does not claim that all corporate entities are crooked. There are many decent business's who strive to make decent products and have decent services. In our attempts to reveal deceptive tactics we use actual deceptive advertisements.

There are links to other sites pertaining to the article being read in order for the consumer to justify a point or use for reference.If we recommend any other site feel assured it has been checked out. However when you click on a link to visit other sites, you do so of your own volition.

A little more about the CD. The CD content interfaces with this site. There are thumbnails you can click for additonal information. This ad is deceptive "This is a blatant LIE!"("see weight loss in index") Although this is obvious to many people, this company prey"s on the uninformed, the desperate. Many deceptive ad's are not quite as obvious, hence this site was created.There are references to "your training CD". on almost every page. The training CD is formulated from 30 years of training Law Enforcement personnel to identify deception, criminals, thives, and con artists. The CD is not based on theory. Everything presented is practical information that has been learned and proven effective. The information and content of the CD will be justified by you, the viewer.

There are no corporate advertising's of any sort on this site. This is a critical point due to the fact that 99.9% of all site s have ads and links. Many are Good sites. However many are deceptive. Either the site owners are inadvertantly ignorant or have a web site to make a few quick bucks selling your information. A simple reading of Sneak Wrap (see index) on this site will demonstrate how important it is NOT to give out your information.

BUYER SCAMS. COM is a non profit orginazation..with a goal.

The majority of Information on this site is free to all consumers. Questions are welcomed and encouraged from the gereral public.

As of 8-25-07 this site is not yet set up to accept membership and the system should be perfected as of 10 31 07 . The site is somewhat disorganized. If you would like to contribute your thoughts or ideas to it's construction please do so. Contact us at consumers@buyerscams.com If you would like information or if you have any questions please contact us at consumers@buyerscams.com

Terms and conditions: there are none. These are the most important words you will ever see on any site. We do not collect information and the little information you supply (e-mail address) will not be sold or rented.

To enter simply click "HOME" on the top right.

"THANK YOU FOR YOUR PATIENCE"

Contact ; consumers@buyerscams.com

Tips on buying health Insurance

Fri, 24 Aug 2007 03:58:58 PST

There are many fradulent advertisements to lure the consumer into buying a worthless policy. The 10 tips below will help you make a wise and educated decision when buying "Health Insurance".

1. If the coverage costs more than 25% or more below other policy's and promises "extra coverage" use caution.

2. The program accepts "pre-existing conditions".

3. The policy has very relaxed under writing guidelines.

4. The company has not been issued a State License

5. You were introduced to the company by direct mail or internet ad's, phone call (telemarketers)

6. The plan has more death benefits than hospital care. It most likely is an "insurance policy.

7. The "agent" or "rep" has trouble answering your questions. Delay's in returning with answers. Vague answers from agent.

8. You never heard of the company.

9. You have to join some type of association to obtain coverage.

10. Your provider's (hospitals and doctors) keep calling telling you that bill's are going unpaid.

USE COMMON SENSE AND LOGIC. CHECKING OUT THE BACKGROUND OF COMPANIES WILL TAKE A FEW MINUTES AND SAVE YOU THOUSANDS OF DOLLARS.

Is this your bank?

Thu, 23 Aug 2007 02:47:02 PST

Is this your bank ? (not archived)

"Save for your childs college. Put your money in our bank. "terms" We will use it to make ourselves money. If you don't put money in the account we will penalize you. If you take any out for any reason, ie; emergency etc; we will penalize you. If you close out the account we will penalize you again with 6 months of interest the rate of which will be our choice.

Overview of overview

Wed, 22 Aug 2007 14:49:15 PST

DECEASED INDIVIDUALS DO NOT HAVE ANY PRIVACY ACT RIGHTS, NOR DO EXECUTORS OR NEXT-OF -KIN. See.OMB guidelines , 40 Fed. Reg 28,948 ,28,951 (July 1975)see also Monk v Teeter No. 89.16333,1992 1681,at *2WL (9th Cir. Jan 8. 1992) Crumpton v United States 843 F. Supp. 751,756 (D.D.C.1994) aff'd on other grounds sub mom. Crumpton V. Stone 59 F.3d )DC CIR 1995.

Your attention please. This site is about losing control to "corporate" and maintaining our privacy and identifying deceptive advertising. This is NOT a political site. This is the information age, literally. Your personal information is coveted by "corporate" and they will bend any rules to get it. The following twelve exceptions are to illustrate a point.

Before you enter or browse any web site, 99% of all sites and advertising have terms and conditions attached that bind the viewer before looking or browsing a web site. In the majority of these ad',s and sites, the claim is made "allowable by law" What that means exactly no one knows. The privacy act and the FOIA (freedom of information act) are two different things. None the less corporate uses deception in their terminology in order to placate the consumer.

Researching the Privacy act is a never ending chore. There are hundreds and hundres of page's and thousand upon thousand's of citations.

The following is an overview of an overview of the Privacy Act of 2004. The following is an ultra condensed version and is self explanatory. Note # 12 below.

OVERVIEW OF THE PRIVACY ACT OF 1974, 2004 EDITION

"No agency shall disclose any record which is contained in a system of records by any means of communication to any person or to another agency, except pursuant to a written request by, or with prior written consent of, the individual whom the record pertains {subject to 12 exceptions}

A "disclosure" can be any means of communication --written, oral, electronic, or mechanical. See OMB Guidelines 40 Fed reg28,948.......A plaintiff has the burden of demonstratin that a disclosure by the agency has occurred. .......It has frequently beeen held that a "disclosure" under the Privacy Act does not occur if the comunication is to a person who is already aware of the inforation . See, e.g.Quinnn v.Stone 978 F.2d 126,134........

TWELVE EXCEPTIONS TO THE "NO DISCLOSURE WITHOUT CONSENT' RULE

Note that with the exeption of disclosures under subsection (b)(2) (see the discussion below), disclosures under the following exceptions are permissive, not mandatory. See OMB guidelines, 40 Fed. Reg at 28,953..........

#1 5 U.S.C.:552a(b)(1) ("need to know" within agency)

"to those officers and employees of the agency whih maintains the record who have a need for the record and the perforance of thier duties.

#2 5 U.S.C. :552 a(b)(2) (required FOIA disclosue)

"required under section 552 of this title" The point of this exception is that the Privacy Act never prohibits a disclosure that the Freedom of Information Act actually requires. See Bentree v. States Customs Serv., 674 F2d, 74,79 Cir 19.........

#3 5 U.S.C. : 552a (b)(3)(routine uses)

"for a routine use as defined in subsection (a)(7) of this section and described under subsection (e)(4) (D) . subsection (e) (4)(D) requires Federal Register publication of "each routine use of the records contained in teh system, including the categories of users and the purpose of such use". Subsection (a)(7) defines the term "routine use" to mean "with respect to the disclosure of a recored, the use of such record for a purpose which is compatable with the purpose for which it was collected".

#4 5 U.S.C. : a(b) (4) (Bureau of the Census)

" to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13"

# 5 5. U.S.C. :a(b)(5) (statistical research)

"to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable"

# 6 5 U.S.C. : 552a (b)(6) (National Archives)

"to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has value"

# 7 5 U.S.C. :552a(b)(7) (law enforcement request)

"to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is aurhotized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought".

#8 5 U.S.C. :552a(b) (8) (health or safety of an individual)

"to a person pursuant to a showing of compelling circumstances affection the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual.

# 9 5 U.S.C. :552a(b)(9) (Congress)

"to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof , any joint cmmittee of Congress or subcommittee of any such joint committee"

#10 5 U.S.C. :552a(b)(11) (court order)

"to the Comprtoller General, or any of his authorized representatives, in the course of the performance of the duties of the General Accounting Office"

#11 5 U.S. C. :a(b)(11) (court order)

"pursuant to the order of a court of competent jurisdiction"

This disclosure (number 12) exception was added to the original eleven exceptions by the "Debt Collection Act of 1982". It authorizes agencies to disclose bad-debt information to credit bureaus. Before doing so , however, agenices MUST complete a series of due process steps designed to validate the debt and to offer the individual an opportunity to repay it . See OMB Guidelines, 48 Fed.Reg. 15,556-60 (Apr, 11, 1983

# 12 5U.S.C. :552:a(b)(12) (Debt Colletion Act)

"to a consumer reporting agency in accordance with section 3711(e) of Title 31.

Addendum: Mailing Lists: "An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to require the withholding of names and addresses otherwise permitted to be made public" 5 U.S.C.:552a(n)

The point is the consumer is being manipulated, abused and lied to by deceptive advertising practices. (see "take Action" on this site)

For more info http://www.usdoj.gov/oip/1974condis.htm

! We need your support !

Contact consumers@buyerscams.com

For gosh sakes !

Tue, 21 Aug 2007 10:48:17 PST

Are people really ordering this? Front Back

(1) Asterisk..Requires a merchant account through Quickbooks or Innovative Merchant Solutions (2) and is subject to the specific terms in the merchant agreement (3) Quick book Merchant Services account requires QuickBooks 2005 or later (4) Rates are determined by financial institution and are subject to change without notice (5) Additional fees apply to accepting American Express and Discover cards (6) Transaction subject to Association guidelines (7) Equipment sold sepertely (8) Internet and modem required (9) Monthly fees apply after 90 days (10) at the then current rates (11) terms, conditions, pricing , features and service offerings subject to change without notice. (12) subject to occasional downtime notice.

There are 12 indicators that are not even questionable. Twelve. There are only 4 sentence's. At least it's not sneak wrap (well maybe the terms and conditions on the web are)

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What part of the chicken are the "nuggets" located on ?

********

Thanks for the offer

Mon, 20 Aug 2007 14:31:18 PST

Barclays bank. Thanks for the great offer

Hey bank people, I just got this great offer that you guys from Barclays Bank sent me in the mail. I know that in the statistics that this year 20% of fraud is done thru the mail but that don't worry me, you guys are a Bank. . Heck of a deal too.

Yes, I understand that you bank people will send me more terms and conditions after I sign up. No problem. I can't tell you how happy I am that I am PRE-Qualified. My brother says that pre qualified means that I am only qualified to be qualifed. He's not to smart. He also told me that "all applications accepted" means that some company is just looking for information and they will accept any mail that comes in. That don't worry me cuz you guy's are a Bank.

I been reedin the interest rate and I notice that it is fixed at 8.99 % fixed* . That's a great deal too but my brother want to know what's that funny looking star shaped thing is next to it. My brother say's that don't mean nutting and I been thinking did he mean from his point of view or yours. Well, that dont worry me none , you guys are a bank.

The default APR has a mistake in it . My brother says you guys missed a couple of places with the decimal point. This here form you guys sent me has 32.34 %. right under the 8.99% box. You also seemed a little confused on the Grace period date. You say that I have 20 days grace period from the date of the periodic statement providing I pay my previous balance in full. I kinda understand that but my brother is having a fit. What really confuses me is that you also say that you will determine the APR using the highest rate published in the Money Rates column of the wall street Journal on either the first or last day of the billing cycle. My brother wants to know if I will have a set date for billing. Im not worried though, you guys are a Bank.

This one really get's my brothers dander up. It say's here that you guys will check on other people who I do business with so you can raise my rates even if I pay you on time and maybe was late with another company. I know he's wrong, Insurance companies do that. A bank wouldn't do that sort of thing. You also say that if I am late sending this form back to you, it will be treated as a non-pre-qualified application. Does this mean you won't sell my information? Im not worried, you guys are a bank.

I might be starting to get a little concerned. You state that this offer is available to everyone except the residents of Iowa and Puerto Rico. My brother say that's because they have laws against some of the things you guys do. Maybe like you have the right to change the benefits and features associated with the card or account after it is opened. I might not be worried , you guys are a bank.

Now it's getting sorta serious. What does it mean when you say "IF I AM A MARRIED WISCONSIN RESIDENT , CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF My MARRIGE OR FAMILY. Aint "Incurred" a dirty word? and how come just Wisconsin and Puerto Rico? Now when you say that a balance transfer may take up to 3 weeks to post to my other accounts. Please review your other accounts to determine if I need to make a payment to avoid fees or penalties. Payments To who? Im not totally worried, you guys are a bank.

Now in one another part of this paper it say's "Barclays will allocate your payment to lower APR balances before higher APR balances. This means that your savings will be lower if you engage in transactions that rusult in balances subject to higher APR's. Does this mean that I have more than one APR and you will be taking my money and using it to lower the lower rate and the higher rates get higher? I think that's what I mean. Also how come I have to go to the web to get the rest of how you guys do business and to get the rest of you Privacy Policy? I'm not worried, you guys are a bank.

Now this I like, the Free credit scores that you are helping me get. My brother says that everyone is entitled to a couple of free credit reports a year, he says that is a Federal law. What bothers him is the way you say no 'additional" cost to me. What does it cost from you or whoever get it done? Oh yeah, the Free Monthly Transaction Summar. If you demote my account does that mean that I have to pay for my monthly summary? My brother wants to know what the difference is between a credit report and a credit score. Isnt the score on the report? One last thing. This great ULTRA ACCOUNT deal you have. It says that it will only cost me $.93 per $100 of my outstanding balance. Does this mean if I go into hock for $10,000 that you will charge my account an extra $93 dollars a month. I'm not worried , you guys are a Bank.

On the information you sent me the color of the cards that I can pick from are really pretty. What does worry me is how come you don't have a card in plain ole black and white.

Will send in info as soon as I get a chance

Thanks

Gull A Bull.

Victims by age

Sun, 19 Aug 2007 14:31:56 PST

C lick the "read more link to view"