Hello schemed friends…:))  this is meant to be a joke

Many times in life learning to laugh at the worst situations in our lives could save or make us feel better!

Not feeling ALONE also helps, and this is why it is so important that WE, all, keep in touch and share these ever changing scheming methods!

This UPDATE is thanks to our friend Paula, who just wrote about her story regarding this type of scheme. Thank you Paula and everyone who continues to comment and share their ,unfortunately, “upgraded” experiences.

These schemes seem like the  bacteria that changes its shape to avoid a KNOWN antibiotic! So the result is, the scientists MUST find a NEW antibiotic able to fight the bacteria which “adapted” to what was known!

This UPDATE was triggered by the fact that Paula’s story comes from EUROPE!!! The address she was given, of the “company” comes from The Netherlands and the name of the product is changed. I am NOT sure, but I think Paula lives in Germany. The bottom line is, this MARKS an expansion of this type of scheme instead of a decrease. This is WHY I thought it would be helpful to everyone to review what we could do.

IMPORTANT: I do NOT know the laws in Europe and I asked Paula a few questions and pending her response we will probably have an European Update. Also IF YOU ARE ANYWHERE IN THE WORLD experiencing a similar TYPE of scheme, PLEASE SHARE with us!

What to do:

Ideally, do not be tempted by any FREE offers which ask YOU for your credit card number to pay just the shipping and handling. NOW THEY HAVE YOUR CREDIT CARD NUMBER AND MAY CHARGE WHATEVER THEY WANT!!!

IF, like most of us, you are  tempted and give your credit card information to be charged $4.00 and when you get your statement you notice you were charged $99.00!!! CALL your bank immediately!!!


Why  is so important to have a reliable bank!!!

I could speak about how my bank, The Bank of America, helped me.

I reported the scheme. I was connected to their investigation/fraud department. A very nice, empathetic investigator took all my information. Most banks will ask if YOU TRIED TO CONTACT THE MERCHANT DIRECTLY. Most of us try that first, so it is important that you have the date you contacted the company, the name of the person and exactly what was said and the phone number you called.

Your bank investigator, most likely, would want this information. Bank of America gave me a temporary credit, while they investigated. After almost two month, I received a letter from my bank, which informed me, the credit was now permanent.

I  assume  the bank investigated my story, determined it as true and had the kindness to give me the credit lost for being schemed. For that fact alone, I will never leave the Bank of America!  I guess, it pays to be nice and fair.

However, I don’t think there is a law saying a bank must give you the money you lost being schemed. So, I would make sure to change the credit card and start from there.

The other important fact uncovered by the hundreds of shares, was the fact that once the NAME of a product became known as a scheme, the SAME GROUP OF SCHEMERS CHANGED THE NAME OF THE PRODUCT and the company name!!!

What does this mean to us??? It means if you are tempted to give your credit card to a company which markets a different product, it might be the SAME GROUP under a different name!!! The results of you loosing money will be the same…

Someone, wrote a comment which I found invaluable and after that comment I also wrote an update post. The friend in that comment was bringing to our attention the fact that while the NAME of the company and product changed when recognized by the consumers at large as a scheme, their LOCATION WAS TH SAME, IN FLORIDA!!!

SO, another RED FLAG: P.O. BOXES!!! Do not deal with companies which give you only P.O.Boxes.

I guess, this is it for now, but when Paula responds regarding the details of her experience in Europe, and if we get additional similar stories from around the world, we will continue to make small steps in finding out IF this is an INTERNATIONAL operation, copy-cats, or what? The more we know, the better we protect ourselves.

Please remember education is power. Also POWER IS IN THE NUMBERS!!! Thank you for continuing to comment and share.


M.S. Counseling and Clinical Psychology