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FIB - Scams 101
Re: Here's how you get a refund.
Posted By: valentina In Response To: Here's how you get a refund. (Bob E.)
Date: Thursday, June 3, 2010, at 8:49 a.m.(pst)
In Response To: Here's how you get a refund. (Bob E.)
>> >> how can I get my money refunded?
>> >> Very hard to get your money refunded because there is no
>> >> number... well after tons of research I found it. Project
>> payday phone
>> >> number 303-895-3617.
>> But it only works if you used a credit card (or a debit card that has
>> the logo of one of the main credit card associations like Visa or
>> MasterCard, AMex. or discover). Call the phone # on the back of the card.
>> (If it is a debit card and there is no phone # on the back of the card,
>> call the # of the bank that issued you the debit card.)
>> When you finally speak to a live person, tell them that you made a
>> purchase on the card and you were scammed so you need to file a dispute on
>> the charge. They will either start the dispute process right then and
>> there or transfer you to the disputes department.
>> If the charge was over a few hundred then you may have to fill out a
>> questionnaire they send you in the mail. But if it's only a couple
>> hundred, most credit card and debit card issuers will just reverse the
>> charge on your word and put the burden on the merchant to prove that in
>> fact you do not deserve your money back based on your allegations. Every
>> bank and credit card company has different guidelines on how they go about
>> their dispute process but all of them have consumer protection (in the
>> case of a Visa or Mastercard credit or debit card, it is not the bank who
>> makes up the rules for disputes, they are bound by the Visa and Mastercard
>> card associations to offer dispute resolutions and do chargeback, putting
>> the burden mostly on the merchant, not the consumer). However, you only
>> have so many days after the charge to dispute it. Some cards are 60 days,
>> some are 90 days - they all differ. But even if you think you are over
>> your time limit, call anyway, they might work with you anyhow. Worth a
>> If you did not purchase using a credit or debit card, I am afraid you
>> are SOL. If you paid by check, you can try calling your bank about it, but
>> good luck with that - check users have really no protection at all. For
>> instances where fraud is involved, check users are just as unprotected as
>> cash users.
>> But I guess it's worth a shot anyhow.
>> If you MUST buy into an obvious disappointment, always use a credit
>> card (Visa, Mastercard, Discover, or Amex) or a debit card that has one of
>> those logos on it. If you don't have one, then you're literally on your
>> I called it an "obvious disappointment" because the name
>> "project payday" alone tells you that you are going to be
>> disappointed because they named the "program/biz op" using words
>> that cater to the average person's emotions and dreams to have money
>> rather than naming it what it is. No real biz op is named in such a way.
>> If you buy a McDonald's franchise, do you think they call it the
>> "Easy Burger Fries Riches Franchise"?
Thanks for warning. I almost failed for Project Payday and PartnerWithPaul. Be aware!
Messages In This Thread
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Do yourself a favor and turn your legal team loose in greener pastures.
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