Cosmetic scam Bohemia Organic product beauty treatment (After sales)

After the previous blog entry I talked about Bohemia there are more issues come afterward.

They said that in their tracking they have deliver my stuff to my address directly and it has the prove of delivery. However, I have never received anything to begin with. They claimed that I have to pay them money because they had sent me the replacement and I received both times, even though, I haven't received a single thing.

They also sent me several spam mail said that they involve INTERPOL to deal with my case of fraud. But clearly they are the fraud. They said I have to either sent payment or send back the "imagine" item they sent.

After several email and so called "INTERPOL investigation" that they claimed to be, they sent me an email said that they will use my name, address and bank detail to post on internet. WTF They are clearly at fault and now they try to reveal my information.

I hope everyone should avoid them.

Adf.ly the way to get some money for your files

If you have some amazing book or things you want to share with others. You can upload it online and then use adf.ly to shrink your link.

Anyone who download your files will generate some money for you. 

You don't need to pay for anything. It's all free. 

If your item is so interesting, you can get something back even though you give it for free.

$2.00 for 1000 visits mean each visit you get 0.2 c

Imagine if you get 1 millions people open that link, you get $2000. 

It seem easy right.

Good luck to you all.

10 remarkable spot of fake bank letter from frauds

I sell stuff on Ebay, Gumtree, Amazon, Alibaba, DHGate... There are many kind of customer. The customer sometimes asking to pay by bank transfer and beware of the fake bank email confirmation.

I have received the bank confirmation claiming that it is from Bank of America showing like below:

From: Bank Of America WireLess Money Transfer (online_care@live.com)
To: vu_ngoc_quy@yahoo.com 
Sent: Sunday, 22 July 2012, 11:16
Subject: ***Bank Of America Additional Payment Notification for Gumtree Item***

  Dear Ngoc Quy Vu,

      This is an automated generated email from (Bank Of America)to Inform you that You have just Received An Additional payment of (£145.21 GBP ) from our customer Miss *********** from Gumtree item: (Headphones). This payment has just been sent, so you are to allow 24 Hours after shipment details have been provided by you and verified before payment is transferred to your account.

Please view the transfer details below if accurate. 

Below Are The Payment Details For This Transfer...................... ..

Seller's id: vu_ngoc_quy@yahoo.com

Name : Ngoc Quy Vu

Bank Name: LLoyds Tsb
Account Number: ***********

Sort Code: ***********
Item Name : HeadphonesAmount:    £145.21 GBP

 £145.21 GBP

Creditor's Banking Information.

Buyer's  ID : ********************@yahoo.com

Name On Account: Miss ********************

Account Number: *****************84
Creditor's Bank Name: Bank Of America
Bank Branch: Ohio District: Bank Of America

Transfer Description

ABOUT THIS MESSAGE:

This payment has been approved and it is pending shipment details for the transfer. You are to send out the item that has been paid for by our client and send the shipment details to us in other for negotiations to be commenced with your bank and finally transfer the money to your account. If the shipment details is not received, payment will not be credited into your account.

Failure to send out the item and  provide the bank with the shipment details will result to a complain file to Gumtree against you as a suspected fraud. We have come to notice that some sellers after receiving payment, they do not send out the item or items that where paid for, and when this happens, customers come to hold the bank responsible and not the seller.

When the shipment details are received from you, we will start the verification process. Contacts will be made to the agency that shipment was done with. Some sellers provide fake shipment details. If it turns out that the shipment details are false, this automatically means the you are a scam and will be reported to the Authorities for an immediate arrest.

            

Sending payment from a Bank Of America account to another Bank Of America account is easy and does not take any extra charges. For further information's about local transfer between two accounts from our bank, you can visit the bank website at www.bankofamerica.com .

  

Our customer service consultants are online From 7:00am to 8:00pm a Today to reply to any question that you may have. For further esquires or any question regarding your payment or regarding where you are to send the shipment details to, you can contact our consultant at (online_care@live.com)

Thanks for using Bank Of America Online Payment.

We are looking forward to serving your online payment better in the future.

Sincerely,

Brian Moynihan
Executive Vice President
Bank Of America

------------------------------ ------------------------------ ------------------------------ ------------------------------ -------------

Bank of America Investment Services, Inc is a registered
broker-dealer, member NASD (National Association of Securities Dealers, Inc.) and SIPC (Securities Investor Protection Corporation), and a non-bank subsidiary
of Bank of America, N.A.

Bank of America, N.A. Member FDIC. Equal Housing Lender
© 2012 Bank of America Corporation.. All rights reserved.Equal Housing Lender

 



------------------------------------------------------------------------------------------------------------------------------------------------------------------
Please, it is too obvious to be fake. Reasons are: 

1) The real bank confirmation is not as colourful as this. The bank never mark the detail in so many colour like that.

2) The bank never use the personal microsoft email ending with @live.com but they will use @banksof america for example.

3) It is easy to see that all the picture in the email is from google source. No bank in the world using their picture in that way. Normally, the logo and picture will appear as the attached file.

4) The bank normally don't operate on Sunday. This email I have received on Sunday is so suspicious. 

5) The CEO does not send email to you as small customer like this.

6) Picture and the signature does not match 

7) Why the hell is the picture of CEO for in the confirmation of fund.

8) Normally bank does not offer this kind of payment holding. If you need that kind of service using Sagepay or Paypal....

9) You can call bank using the transaction ID to verify the transaction to you.

10) In the letter said there is no fee for same bank transfer. It is not relevant to me since I use different bank and the bank is quite good at spotting it out. 

There is many more if you want to know you can find out.
Good luck.

Payment method 1 (Paypal)

You can pay for items you buy on eBay as well as on hundreds of other leading retail websites, or you can use PayPal to send money quickly and safely to anyone with an email address. 
  
You can pay with money held in your PayPal account balance or use another payment method such as a credit card, debit card or your bank account. 
  
Once you sign up for a PayPal account, you just need to select PayPal as your payment method when you shop online. Websites that accept PayPal will show the PayPal logo in their checkout. You will be asked to log in to your account with your email address and password to confirm the payment. PayPal never shares your financial information with sellers or retailers. 
  
If you receive a payment through PayPal, you will receive an email notification and the money will be credited to your PayPal account. You can then use your PayPal balance to make payments, or you can withdraw the funds to your bank account. 
  
It’s free to sign up for a PayPal account. Fees charged are based on who you are sending funds to: 
  
Personal payments: Payments to friends or family are free when funded by bank account or PayPal balance. If the payment is funded by credit or debit card then fee is charged to the recipient, however the sender can choose to pay this instead. Please note you must select the ‘Personal’ payment tab within the ‘Send Money’ payment flow to qualify for this rate. 
  
Purchase payments: For payments made as a purchase of goods or services, the recipient (seller) will be charged a fee. For more information visit www.paypal.co.uk and click on the ‘Fees’ link at the bottom of any page. 
  
PayPal is available worldwide and in all major currencies.


To start selling you should verify your account.

How do I verify my PayPal account?

To verify your PayPal account, follow these steps:

1. Log in to your PayPal account at www.paypal.co.uk
2. Click the 'Unverified’ link on the Account Overview page
3. The steps required to verify your account will appear in the table

Depending on your account type, the steps to get ‘Verified’ will be as follows:

• Set up bank funding
• Provide additional Business information (Premier and Business accounts only)

Set up bank funding To Set up Bank Funding you must add your UK bank account to your PayPal account. We will then deposit two small amounts into your bank account, which you will need to find on your bank statement. You will then need to log into www.paypal.co.uk and enter the amounts correctly to confirm ownership of your bank account. For more information click here.   Business information Premier and Business account holders will also be required to fill in an online form to provide additional information about the items they sell using PayPal. If you are not a business, you can select 'Individual' and complete the form accordingly.For more information click here.

What type of credit or debit cards can I use with PayPal?

PayPal accepts the following cards:

• Visa / Delta / Electron
• MasterCard / Eurocard
• PayPal Top Up Card
• Maestro
• Solo
• American Express

Debit cards (also known as bank cards) are accepted if they have a Visa or MasterCard logo. 

How do I Send Money?

To send money you need the recipient’s email address or mobile phone number. If the recipient doesn’t have a PayPal account already then they will be requested to open one to receive the funds. To send money with PayPal, follow these steps:

1. Log in to your PayPal account at www.paypal.co.uk
2. Click ‘Send Money’ at the top of the page
3. Enter the email address or mobile phone number of the recipient
4. Enter the amount and choose the currency
5. Choose whether the payment is a Purchase or Personal payment:
• Purchase should be used when you are paying for an item you have bought or for a service such as music downloads                                                                            
• Personal should be used when sending a gift to a family member, or repaying money owed to a friend
6. Click ‘Continue’
7. If you want to change the payment method, click ‘Change’ under ‘Payment Method’
8. Review your postal information and add a message to the recipient (optional)
9. Review the information and click ‘Send Money’ to complete your transaction

Both you and the recipient will receive an email (or text message for payments to mobile phones) confirming payment. You can also view the payment in your PayPal account History.   Note: Unverified PayPal accounts have a sending limit. To check your sending limit, log in to your PayPal account and click the ‘View Limits’ link on the ‘My Account Overview’ page. To lift the sending limit, you need to Verify your account.    

Payment method (List of payment)

Here I provide you a list of Payment service for selling business that you need to know.

Of course, you don't need all of them just choose one or 2 because they contain all the payment method for your customers. For example Paypal if you choose the Paypal payment express, your customer can pay by any type of card (Visa, American express...). If you want to know more about Paypal you could purchase these books as I highly recommended.

Google Checkout is free but I find it hard to use for beginner because of its function. You could try and see at google checkout official blog.

For Sagepay, you need to have a bank account which can receive money online (Internet Merchant Account). The function is similar to Paypal.

If you are a business, you should choose HSBC or RBS worldpay because you can transfer money quickly and easily.

Affiliate

You can create your affiliate account with AffiliateFuture
There are thousand of affiliate choice you can choose. They have various range of product and service such as this one below.


You just need to click on AffiliateFuture and register with them and you can create your affiliate account. You can choose the products that fit your website content and receive money.

However, you need to be in US or EU to receive payment either by cheque or bank payment.

Payment method

I forgot to tell you the most important part is receiving money.
You should register with paypal if you sell anything.
You should apply for clickbank before joining any affiliate program.

Some affiliate I post in the next issues have their way of paying through cheque.
I'll say more in detail in the next issue.