Ok so when I signed up with my apple ID, I used a visa gift card that had about .00 on it. I decided to buy a few apps for my iPod and I figured that the correct amount would be subtracted from the total balance that was left on the card. I also figured that once all of the money had been spent, the said transaction wouldn’t go through. Unfortunately, that wasn’t the case and now I owe Apple . I have already "reported the problem" under purchase history and I received an email that said something about not being able to process the request until the payment has been made.

So I guess my question is now what? I’m only 15 and don’t have a debit/credit card and really don’t want to tell my parents about this…lol. Will Apple just forget about this or will they send me something in the mail or give me a phone call?

I’m worried…

Technorati Tags: apple id, apps, debit credit card, email, ipod, lol, mail, money, parents, phone call, purchase history, visa gift card

Here is my situation,

I recently bought a house in my city (September 2008).

I also havea 7,000 student credit line dept (my parents said they will be paying it off for my shortly as a helping hand)
and 2,500 credit card dept (maxed)
500$ cellphone bill.

I was layed my job 3-4 months ago. and have no been able to make morgage payements. collectors started calling, ect but was not able to do anything. i received a paper via mail from the couts saying something about i owe the CIBC (my bank) 108k. i think they are suing me? does that make sense? for not paying my morgage?

What happens now? do they reposes my house?

Ok to continue on, after searching for a job with no avail (huge unnemployement rate in my city) i decided to leave.

Im a 5th year plumber, so i did make good money when was working, but was layed off beause the industry was dead.

So in light of all that i decided to move (loosing house(i think) stress with money and not having it) i sold my things and moved. out west were theyre is work.

now ive found an independant contracting job, but im broke. (flew down here with 200 dollars in my pocket. clothes and tools).

I would need a truck, liabilty insurance, work comp, car insurance. a cell phone.

The job pays VERY VERY well. and is reliable on hours, i will make a killing and able to re-establish myself financially in no time. But i have all this dept and no money.

I’m young, 22 and i have been foolish wiht my money. Now im in a situation and i have no idea how to go about getting out.

Im looking for detailed or any advice i cant get onwhat i should do.

So there some type of loan i can get to merge my current dept.

What do i do about the house, i have been in no contact wiht them at all, and dont know what the process is when you havent and cant pay. Like take the house?? which i dont live there anymore. what happens to the dept? the lawsuit (i think thats what it is)

And how can i get some money to get this buisness going, (independent plumbin contractor). to get myself re-started again. I figuere start up cost will be atleast 15,000$

any help and advice would be helpfull.
16 minutes ago - 1 week left to answer.
Additional Details
Im being hired on at 50/hour, garantee 40 hours a week (most likly will be 60-70). And advancements within 3 months. His other plumber makes 80/hour

Technorati Tags: 4 months, avail, buisness, car insurance, cell phone, clothes, couts, credit card, helping hand, insurance, insurance work, mail, money, parents, plumber, searching for a job, stress, work comp

I was charged up front a 9.00 fee from www.immigrationdirect.com for renewal green card I-90 FORM.

Than I got an instruction FOR I-90 APPLICATION with 0.00 fee additional to 9.00 I pay up front for I-90 form for renewal green card that’s total of 9.00 for A I-90 APPLICATION fee for renewal from www.immigrationdirect.com

Which I think it’s a fraud for easy cash at www.immigrationdirect.com not a total cost fee for I-90 form application which is only 0 filing fee plus .00 when I went searching online for What The Cost For Green Cost for Renewal online on different website.
when I went to www.uscis.gov

Please don’t use www.immigrationdirect.com they don’t even have a Phyical address for contact. Just email and out of state number to contact 1-415-375-3145 or email cs@immigrationdirect.com. It’s a fraud if you ask me after I searching for more informations online for how much it cost for I-90 form fee?????

I got scammed by the www.immigrationdirect.com asking up front for my credit card number for 9.00 cost for I-90 form application for renewal which I though it’s was the fee for I-90 filing fee but it’s not!! After, I finished giving them all my payment data. I have a strange feeling it’s a fraud website for easy cash…

It tells you CONGRATULATIONS, YOU HAVE REACHED THE FINAL STAGE OF THE APPLICATION PROCESS! BUT WAIT YOU MUST FOLLOW STEP BY STEP INSTRUCTIONS AND SUBMITTING IT TO U.S. CITIZENSHIP AND IMMIGRATION SERVICES. WITH A FEE OF 0.00 PERSONAL CHECK OR CASHIER CHECK PAYABLE TO: U.S. DEPARTMENT OF HOMELAND SECURITY OR YOUR APPLICATION WILL BE REJECTED OR DELAY.

It’s just PDF file instructions to help how to file the I-90 form plus 0.00 payment to pay to US Department of Homeland Security and send to: USCIS P.O. Box 21262, Phoenix, AZ 85036

Please don’t use this website it’s listed in the beginning of the searching google top listed…otherwise you will be paying EXTRA FEE OR SCAMMED LIKE ME 9.00 TOTAL FEE FOR I-90 FORM GREEN CARD RENEWAL FRAUD!!!!!

Then it tell you not to send it instructions with your sign I-90 form application with their fee 9.00 additional charged. Note: IF YOU DO NOT SEND 0.00 WITH YOUR I-90 FORM APPLICATION, YOUR APPLICATION WILL BE RETURNED AFTER THEY SAY, "CONGRATULATIONS! YOU HAVE REACHED YOUR FINAL STAGE OF THE APPLICATION PROCESS!

After reading the 11 pages instructions, I see the FINE PRINTED it’s a fraud for 9.00 fee for their own pocket has nothing to do with cost of I-90 form application fee….WHICH IS ONLY 0.00……

Please DO NOT USE WWW.IMMIGRATIONDIRECT.COM IT’S A LESSON LEARNED WITH LOTS OF FRAUD EMAILS ADDRESS, PHONE NUMBER, AND INTERNET FOR EASY CASH WEBSITE INTERNET. BE CAREFUL NOT TO DO WHAT I JUST DID ONLINE TO HELP OTHERS OUT THERE…..

Technorati Tags: application fee, application process, cashier, citizenship and immigration, citizenship and immigration services, contact 1, department of homeland, department of homeland security, email, extra fee, google, green card renewal, homeland security, personal check, phyical address, s citizenship and immigration services, strange feeling, u s citizenship and immigration services, u s department, u s department of homeland security

We are stuarting up a business that would like to take credit card payments but do not want to pay too much to a processing company. There seem to be so many options. I am looking for the best way to take a card number either online or over the phone and make it happen.

Technorati Tags: credit card payments, processing company

I am in USA zip code 10925 and am helping a friend set up a multi-purpose link to the internet, handle voice telephone communications, and also be able to do credit/debit card transaction processing, maintain their website, etc. all through one link up which me guessing, will probably turn out to be a cable link up. Verizon access is available as well as satellite. Note: dial up service via the phone company (Verizon) is too slow. We want to also stay away from Verizon if at all possible due to past bad experiences.
Can anyone recommend the proper configuration by cable, telephone, or satellite supplier (company) and the related monthly costs and if any contract is needed? Also, what specific equipment is needed? They already have a PC.
Also want to receive premium TV channels a lowest cost.

Technorati Tags: cable link, cable telephone, card transaction, credit debit, dial up service, experiences, multi purpose, proper configuration, purpose link, satellite, specific equipment, telephone communications, transaction processing, tv channels, usa zip code, verizon, voice telephone

i applied for a couple of loans online about an hour or two ago and i also applied for a new contract on t mobile the only site i gave my card details to was the t-mobile one…. with the loan applications i only gave my sort code and account number… which you cannot process a card payment with… you need all the card details… they have now taken £39.95 out of my account and its like 3am … i did not ask for this shopping card( which is what i found out when the bank just give me the name) and now im unsure if ill ever get this back any experiences with this and it may also help if i say im with barclays??

Technorati Tags: 3am, barclays, card details, experiences, loan applications, loans, mobile one, new contract, shopping, sort code and account number, t mobile

I have contacted this e-mail address, and received a response asking me to provide only personal information (including full name, profession, full address and country). They also mentioned the following: "No processing/registration charges or any form of financial payments should be made to Yahoo! or any of it’s affiliated consultants in the U.S, the programme is FREE. The Yahoo! 2007 Mail Offer prize is shipped to recipients only as Cashier’s cheques. Your banking/other personal financial information not required (Your Credit Card information is not required). "
I have sent a photo of my passport online as they asked me to do by an e-mail and received another SMS informing me the following: "Your personal information has been received by the VeriSign Digital Notarization System. Full online data security guaranteed". Is that a spam?? Can they use my personal information for a bad purpose? what shall I do?? Please HELP me.

Technorati Tags: cashier, credit card information, data security, digital notarization, e mail address, financial information, financial payments, passport, photo, profession, registration charges, sms, spam, verisign, verisign digital, yahoo

Me and my wife are in the process of a divorce right now but we are still legally married. I started talking to her over the phone about the divorce and she freaked out, came to where i currently live and took my car stereo face plate and my credit card. And here is my question. Since i have a girlfriend already, Can the situation flip around with the cops for cheating? we have been separated for a year but can i get in trouble for cheating?

Technorati Tags: car stereo, cops, credit card, divorce, face plate, girlfriend

If I order something by phone or on-line and I receive the item but the purchase never appears on my credit card, how long is the merchant allowed to delay processing my payment? After a certain amount of time does their ability to process it expire?

Technorati Tags: amount of time, credit card

I sent in my 2 year service contract form in the business reply envelope only to receive a letter two weeks later from the following address

Microsoft Programs
7313 Mayflower Park Drive
Zionsville IN 46077

The letter easily looks like it could have been faked. The main point of the letter is that it is saying that "We have recently improved our credit card security process and require the three or four digit CVV security number on the credit card in order to complete your order".

The letter asks that I write the CVV number on the original form next to my credit card number AND on the letter itself (in an indicated blank, underlined spot). The letter also wants me to copy my console’s serial number on the letter as well, along with my daytime phone number.

Has anyone else gotten this letter? Is it real or fake because the this Zionsville IN was NOT where the business reply envelope was address to go (it was address to One Microsoft Way in WA but I don’t remember the whole exact address).

Technorati Tags: business reply envelope, credit card number, credit card security, cvv number, daytime phone number, exact address, mayflower park, microsoft, microsoft programs, quot, security number, serial number, service contract

I sent in my 2 year service contract form in the business reply envelope only to receive a letter two weeks later from the following address

Microsoft Programs
7313 Mayflower Park Drive
Zionsville IN 46077

The letter easily looks like it could have been faked. The main point of the letter is that it is saying that "We have recently improved our credit card security process and require the three or four digit CVV security number on the credit card in order to complete your order".

The letter asks that I write the CVV number on the original form next to my credit card number AND on the letter itself (in an indicated blank, underlined spot). The letter also wants me to copy my console’s serial number on the letter as well, along with my daytime phone number.

Has anyone else gotten this letter? Is it real or fake because the this Zionsville IN was NOT where the business reply envelope was address to go (it was address to One Microsoft Way in WA but I don’t remember the whole exact address).
UPDATE: I sent an e-mail to xbox support about this question but knowing I’m not a person who can wait, I wanted to ask my question here as well because I thought others who have xbox’s might know the answer and could also assist me in this matter.

Technorati Tags: business reply envelope, credit card number, credit card security, cvv number, daytime phone number, e mail, exact address, mayflower park, microsoft, microsoft programs, quot, security number, serial number, service contract, xbox

Data mining: The process in which a cooperate entity, government or an otherwise unknown clandestine group monitors emails, web transactions, phone conversations, credit card and other various financial transactions, or any other digitally recorded action made by an individual within a society.

This information is used to track, predict, and influence the behaviors and patterns of a specific individual or individuals. It has been suggested that many high level law enforcement agencies are relying more heavily on data mining.

How is data mining not an invasion of privacy, and why aren’t more people up in arms about it?

Technorati Tags: clandestine group, credit card, data mining, financial transactions, group monitors, invasion of privacy, law enforcement agencies, level law enforcement, phone conversations, web transactions

I have been accused for debit/credit card fraud from my prior employer. I was let go on early December 2009 after seven successful years of employment, for violation of conduct with my work hours time, clocking in early and basically getting paid for non worked hours. I made a mistake and as a consequence lost a very good job, I have learned my lesson…the hard way. This however, was only the beginning… a month and a half later a police officer from the Houston police department contacted me with questions in regards to a transaction that was placed at my prior employer where I held the positions of accounts payable/assistant sales manager. He asked if I was home and wanted to ask me a few questions, I accepted not having anything to hide. He arrived shortly to my residence and asked if he could come in, I accepted and he began to explain the reason for his visit. The officer who to my surprise is also a previous customer of my work place explained the following: that he was being sent by my previous employer to ask me that about a transaction that was placed on Nov 14th of 2009, two months before, for 39.90 and that the transaction was charged on a retail credit card of another customer. The individual who owned the account called the store inquiring about such matter since he did not place such order.
The customer that made the purchase, who also happens to have a theft charge from 1997, was nowhere to be found for the first month. Finally appearing, the customer got questioned by the officer. The customer allegedly paid cash and is willing to testify that I was the one who processed the transaction. I explained to the officer that I did not recall such transaction and that I never took any money. He then showed me the invoice where it demonstrated the method of payment that was used and my employee id number. I explained to the officer, that even though my number is showed another employee had access to process transactions while I’m not present. The other employee that could have made the charge apparently quit shortly after being questioned about the charge. The officer proceeded on explaining to me how "things were not looking good for me" and that "a warrant might be issued”. Two months later, I received a phone call from a bond office stating that I had a warrant out for my arrest. I was in shock and couldn’t believe what I was hearing. Once I arrived there they informed me that a warrant was issued for credit/debit card fraud.
What type of defense approach should I use, or what would you recommend?

Technorati Tags: assistant sales manager, consequence, credit card fraud, employee id number, good job, houston police department, invoice, mistake, money, month and a half, police officer, retail credit card, surprise

I have an online store where I sell handmade jewelry and beauty products. I currently accept PayPals payments. But I receive many orders from customers (by phone or in person) that sometimes want to pay by credit card. Is there a way that I can accept those payments and then process them myself?

Technorati Tags: beauty products, credit card, handmade jewelry

I have had for the last 3 months ACH Card Services take money from my account. Each time I have disputed this with my bank, and got my money back, but the company has since just been changing the amount of the withdraw and my bank cant stop them because there is NO company listed, phone number or addresss….they have told me that is it a ‘phantom company’. So as long as they request a different amount each time they cant stop it, but I can dispute it and get my money back….which takes weeks. They started with .50 the first month, then 38.52 the next and this month 38.56! WTF……So I am in the process of closing my account but with all my bills that are due to come out (which this charge is NOT one of them, and NO I didnt just forget about it) its taking a little while. It will be 100% closed by the 15th of Feb, but has anyone had this problem and found out where it has came from? It the bank cant find out who it is and get their money back and I can’t either I will be charged the amounts by the bank….PLEASE!!! Any ideas…..I dont have credit cards set up as auto bill just my mortgage, insurance and phone…thats it…and they are no where near that amount.
I havent signed up for anything, and when i pay bills its from my debit card…this is coming as a check using my acct. number

Technorati Tags: closing my account, credit cards, debit card, insurance, money, mortgage insurance, phone number

I ordered a product from a website, but apparently it processed the order before it showed the subtotal/total. I accidentally ordered two, when I only wanted one, and I can’t afford that much. I want to cancel the order and process a new one, but I can’t for the life of me figure out how. The only way to contact the people seems to be by phone, and they’re only open monday-friday 9-5. It’s now 5:30 on Friday. So my question is… Is there a way I can block the payment through my bank?

Any information would help. Thanks!
I am able to return it, but shipping is twice as much as the product itself, and I won’t get shipping back if I return it.

Technorati Tags: shipping

I sent in the passport application, with all the necessary materials and extra fees for expedited processing nearly two weeks ago, but they haven’t cashed the check I wrote. And since I’m traveling soon, I don’t know if I should be worried if I wrote a bad check somehow, or if they just haven’t gotten around to it yet… And worse case scenario, what if I DID write a bad check? Would I need to reapply? Just send in a new check? Or possibly (ideally) give credit card information over the phone?

Technorati Tags: credit card information, extra fees, necessary materials, passport application, worse case scenario

From time to time, in our monthly statement envelopes we receive from our credit cards or from mortgage companies, there is a small double sided advertising leaflet size: 6”3/4 and 3”1/2.

For example, last month I received in my mortgage statement, a leaflet that was selling me labels that I could personalize for envelopes.

I am working for a small non-profit organization and we would want to use the media to bring awareness about our non-profit organization. We have contacted several credit card companies and the people we got on the phone have no clue about who puts the leaflets in the envelopes that are sent out.

It could be that there is an outside company that is outsourcing the entire mailing process and they would also be the ones who include the advertisement.

If you would know how the process works or if you work with that kind of business, please let us know who to contact for sending out this kind of leaflets for the non profit organization.

Thanks

Technorati Tags: advertisement, advertising leaflet, clue, credit card companies, credit cards, envelopes, leaflet size, leaflets, mortgage companies, mortgage statement, non profit organization, size 6

I have some debt that I have been holding onto for a few years now that has gone into collections. Things such as store cards, one major credit card and a cell phone. I just paid off my over 0 old cell bill which the cell has been off for quite some time now, almost a year. I paid it off in two payments of 0 and change. I now just started the process of paying off a store card–the first payment was scheduled to come out a few days ago. Sorry to add somewhat unneccesary info. anyway, this next card should be paid off in September and hopefully I will just continue doing this till all of this past debt is gone……With me paying off the cell and this other store card how muchw ill that improve my credit, if any at all??
Thank you for the honesty. I don’t know why I did it, stupidity and being nieve, I suppose.

Technorati Tags: cell phone, collections, credit card, few days, honesty, next card, store card, store cards, stupidity

I have contacted this e-mail address, and received a response asking me to provide only personal information (including full name, profession, full address and country). They also mentioned the following: "No processing/registration charges or any form of financial payments should be made to Yahoo! or any of it’s affiliated consultants in the U.S, the programme is FREE. The Yahoo! 2007 Mail Offer prize is shipped to recipients only as Cashier’s cheques. Your banking/other personal financial information not required (Your Credit Card information is not required). "
I have sent my personal information online by an e-mail and received another SMS informing me the following: "Your personal information has been received by the VeriSign Digital Notarization System. Full online data security guaranteed". Is that a spam?? Can they use my personal information for a bad purpose? what shall I do?? Please HELP me.

Technorati Tags: cashier, credit card information, data security, digital notarization, e mail address, financial information, financial payments, profession, registration charges, sms, spam, verisign, verisign digital, yahoo

I have paid off all my bad debt, as in late charges on old cedit cards and all that. I need to know how to raise my score. I put a down payment on a cell phone and other stuff, but it doesn’t show up on my credit report. I just need to know how to up my score without hurting myself in the process. I have changed things around and have promised myself never to get in that mess again, but now I can’t get credit for anything. Help me please?

Technorati Tags: bad debt, cedit cards, cell phone, score

Does anyone know of a credit card processor that can do Droid Android credit card processing? I have a business and I want to process credit cards on my droid android phone.

Technorati Tags: credit card processing, credit card processor, credit cards

i want to put the ringtones on my credit card, but only but only buy one, and avoid being scammed in the process….

Technorati Tags: credit card, ringtones

I have a Bank Debit card that also has a Visa logo on it, I have to wait another 2 days for my Paycheck to process and go through, So there is like in the account, My question is if i use my Debit/Credit card over the internet as credit will it work? I need to pay my phone bill, So will it go through and make me have an overdraft fee or will it just deny it upon request? like i have maxed out…… the bill is

Technorati Tags: bank debit card, debit credit card, overdraft fee, paycheck, visa logo

Has anyone heard of TMG, Transtech Merchant Group? Beware! Its a Credit card Processing company. A woman came to my co. asking to compare rates with my current processor. I said I wasn’t interested but continued. After I got upset with all the questions and paperwork she was doing I questioned her. She got someone on the phone that told me they have to fill out an application to see if I quality before they can tell me the numbers, rates. I continued & signed without reading. Couple days later someone called wanting to program my machine. I was mad and said I wanted nothing to do with them and hung up. Now the sad thing is I am stuck with a 5 early cancellation fee or stay with a 3 year agreement, which will be more. It was all there if I read it and didn’t ignore it. I would like to get a hold of this woman but all I have is her name. Nothing comes up on white pages or directory assistance. What gets me is how this woman can live with herself know I didn’t want this and kept on and not telling me what I was signing etc. I know it my own fault. I should have trusted my gut feeling. Any suggestions?

Technorati Tags: amp, cancellation fee, couple days, credit card processing, directory assistance, paperwork, processing company, sad thing, transtech merchant group, white pages