#AsuultSambar :

thx legacy,

Bi odoo uchiraa jaahan olj bna. Odoo butsaj irj bgaad l hiij ehelne dee ...

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Fishin' .....

Well, it finally happened to me. I've written countless stories about online fraud and how not to get ripped off. I've advised everyone to "be careful out there." I even followed most of my own advice.

And still I got ripped off.

Not for a lot, mind you, but for a $15 item in one of my eBay stores. Even though it was not a large loss, it left me feeling angry, frustrated and helpless. I've only been burglarized once, and I felt much the same way then.

The first I knew of this was when I received an e-mail from "[email protected]" with the subject line "Notice of Transaction Review" and the following statement in the body:


"We regret to inform you that you received funds from an account with reports of fraudulent bank account use. In accordance with PayPal's Seller Protection Policy, the following transaction involving unauthorized funds has been reversed."
Seller Protection Policy? That sounds more like seller non-protection if you ask me.

The e-mail from PayPal continued:


"The transaction was reversed because you were not covered by PayPal's Seller Protection Policy. Please note that this withholding is in accordance with our User Agreement, Section VII, Paragraph 3."
They concluded this by saying, "Sincerely, PayPal ACH Returns Department." And oh, yes, do not bother to reply to this e-mail, as "Mail sent to this address cannot be answered."

In a nutshell, somebody has ripped me off, I have had a chargeback to my account on merchandise I shipped out in good faith, and I can't even talk to PayPal about it.

E-commerce, ya gotta love it.

Ironically, it turns out there is no Section VII, Paragraph 3, at least not that I could find. And no, I didn't memorize the entire user agreement before signing up (does anybody?). So yes, I deserve everything I got. And there are enough caveats in the user agreement that I could find more than a couple that disqualified me from any form of seller protection.

The principal one has to do with shipping to an unconfirmed address. Like a lot of eBay merchants, we are doing this e-commerce thing to make money, not to clean out our attic, and we pretty much ship to anyone who pays in advance, regardless of whether the address is confirmed by PayPal or not.

If we waited or asked each of our customers with an address as yet unconfirmed by PayPal to go through that process, I think we might lose a third of our sales. We already have an awful lot of customers who are very reluctant to pay for merchandise over the Internet.

I actually think I've been lucky that this hasn't happened before. It's probably because we are selling orchids and garden products, not highly coveted items like laptops and PDAs.

eBay itself does not make it particularly easy to take any action about buyers who defraud sellers. In fact, under its "Selling Related Links" section, there is nothing that tells you what to do if you have been ripped off. Ditto on the first page of the new Seller Central section.

However I was able to block this particular eBay user ID from ever buying anything from me again. Of course, user IDs are like eyebrows, everybody has at least two and some folks have a lot more.

I looked up my buyer's feedback and discovered that this person had also ripped off another merchant. I know, I could look up the feedbacks on every buyer, but who has the time?

I wrote to my fellow victim and she said, "This is the second time this has happened to me and the first time, I went through the hoops and absolutely nothing was done. It was for a small amount on me also, so I'm just going to go on. It's a real shame though."

The small amount thing has me puzzled. Maybe it's just kids, or maybe it's serious crooks testing the PayPal system on small-potatoes stuff.

In any case, PayPal on eBay has some recommendations for sellers who want to avoid being defrauded. But almost every piece of advice involves more work for the struggling merchant, or narrows the pool of people from whom you receive payments.

I'm not going to change my ways just yet (we pride ourselves on that fast shipping and I continue to believe most folks are honest) but I certainly will be more careful on larger-ticket items in the future.

Getting ripped off — even for a few bucks — is just no fun at all.

Adapted from E-Commerce Guide.com.

and i bet there are thousands of stories like this. im not trying to preach you, i just wanted to warn you and others that in today's bank transactions, sh*t can happen and most of the time it may not be reversible.

Stolen Accounts Fraudulent Funds on Paypal

By Michael

Recently I invested in an online investment company that promised if I bought e-gold and sent it to them, I would receive US Dollars Via Paypal within 30 minutes at a substantial Percentage of What I invested.

Of course it sounded to good to be true, so I invested $50. True to their word, the online investment company funded my account with my original investment plus interest.

Since it worked and seemed legit (we even asked a lawyer and said it was perfectlly legal), we continued to invest in e-gold, give it to this company, and receive our investments back to Paypal. We continued this for about 8 days and then the bombed dropped.

One of the users claimed unauthorized use of account. Paypal immediately Held two transactions from this one user. Turns out that this User had never heard of me or e-gold, and this online company had hacked into this persons user account to pay me back my investment.

And it only gets worse, Paypal has put a temporary hold on ALL Payments I received from another user that payed me back my investments while it is under Investigation. Turns out that all Payments I received initially and subsequentally reinvested were all done fraudently and now I have a negative balance of -$2,853.97. Even worse, I cannot close my account or remove my banking information (I know how Paypal steals money) from the account because of a Negative Balance.

I have emailed them (got the standard form letter about Buyer/Seller Protection) I WAS NEITHER! and when calling their customer service line, one represenative said quote "You learned an expensive lession"!

If Paypal had protected its accounts better in the first place, questioned the first payment I received, then I would have never reinvested the fraudulent funds I am being held accountable for. Now my account information cannot be changed, or deleted, and I fear Ill be stuck with this this outrageous balance.

My last resort has to been to seek the advice of an attorney who told me to write them a letter and that they have to provide the burden of proof that I am responsible for these charges. I havent gotten any response yet, but looks like Paypal has yet screwed another vicitim.

Quoted from Aboutpaypal.org

paypal naidvartai gej bolohgui l dee. evdelsen paypal accountuudiig orosiin hakeruud baraa shig zarj baidag.

zarim humuus ilgeemjind chin chuluu hiigeed yavuulchihna. zargaldah uyed tsaad nohor chin bi baraagaa yavuulsan nadad tracking ene ter buh yum ni baina. hudaldan avagch tednii odor huleen avsan baina gene. paypal chamaig yag chuluutai hairtsag ongoilgosniig haraagui bolohoor unen yariad baigaag chin batalj chadahgui. geh met.

deer ni, paypalaar mongoo yavuulchaad chi baraagaa irtel heden odor huleeh hereg garna. ter hoorond mongo chin ali hediin luivarchnii halaasand orson baihad chi hulhiduulsnaa medeed zarga hiine. medeej chi mongoo avch chadahgui hotsorno.

paypal ashiglaj baihad ter odortoo hulhiduulsnaa medne gedeg ni hovor asuudal. ihenh hulhiduulsan humuus 2-3 odriin daraanaas l jaahan ergelzej ehelne geed boddoo.

though i agree that paypal is safer than just wire transfer.

http://forums.ebay.com/db2/thread.jspa? ... 5977221228

this forum could clarify many things regarding ebay and paypal.

hahaha ter chuluu hiigeed yavuulchdag bol bas l dayar zerleg baina shuu.

za bi paypal idevhtei heregleed heden saryn nuur uzlee. tuugeer damjin orj garsan guigeenii jagsaalt neleen olon huudas
bolchihjee. niit guilgee 1,2 zuugaar togtohgui yum baina. ene bugdiin ard bi 2 udaa l helmegdeh shahsan baina.
niit hiigdsen transactionyg bodvol baga uzuulelt.
1. minii avsan IPod hairtsagnaasaa gargaad shineeree ajillahgui baisan. 239$ tulsun bailaa.
sellert handsan. hariu baidgui. uul ni bol heden mynagan positive feedbacktei powerseller l baisan.
dahiad sanuullaa hariu baidgui. za tegeed paypal account ruu orood resolution center luu orood dispute hiilee.
margaash ni seller hariu bicheed orood irsen. paypal bol dor ni chihdeed l orood irsen.
iim yum bolsond uuchlaarai. shipping cost 25$ chargelaad (free shippingtei baisan tul)
uldseniig butsaaj ugii gesen. yamar ter evderhii ipodiig bariad suuj bailtai ni bish. bi ch uu tegelgui yahav geed
duun deeree zuvshuursnuur ene asuudal shiidegdsen.
2. za neg delguur tatan buugdaad estee lauder, lancome-iin buh baraag ni l hudaldaj avahaar tohirood munguu tulsun. ter
jaahan mungunii asuudal bish. buur neleen ih. hed honood barag purgoon baraa irne geed avdar duuren yum bodood huleej bailaa.
getel yu irsen geech. gantshan hairtsag yum. dotor ni hedheen gaigui buteegdhuuniig es tootsvol baahan harandaa
shahtsan baidag baishd. aimaar uur hurch baigaa yum chine. email bichlee. setgel dunduur baigaagaa heleed butsaah huselt tavilaa.
return policy deer store close out sale tul butsaahgui gej tusgasan baisan geed guriideg baihgui yu. za tiim bol bi handdag shugamaar ni
handii geed. paypald dispute hiisen. seller yaj ch baisan buruutah undesgui boltol durem juram enee tereegee yariad l bailaa. ter baraanyhaa listend tiim yum tudii tootoi gej tusgailan zaagaagui, deerees ni butsaah erhgui, yag l describe bolson brandyn baraag too shirhgeer ni yavuulsan geed namaig barih baritsgui heleh uggui bolgood baigaa baihgui yu. nariin deeree unetei baraagaa jijiglengiin uneer buunuur ni shahchihsan l baigaa yum. jijig sajig yumnuudyg ni bi unshaagui olon olon aldaa hiichihsen l baisan l daa.
paypal ch arisaa hamgaalaad deer chinii quote hiisen yumnuudaa nadad yavuulaad baisan.
tegeed etssiin arga bi amex-aas mungu garaad yavtsan bolohoor amex-d handsan.

amex asuudlyg dor ni shiidej ugsuun.
tereer zahiandaa:

we suspended the amount from the balance during the period of our investigation. we used the information you provided us, along with infirmation we obtained from the merchant, to try to resolve this matter to your satisfaction. our goal to resolve the issue fairly.

hed honogyn daraa

we have determined that the credit you requested is appropriate. therefore, we have issued permanent credit for the disputed amount and removed from suspence. the adjustment will appear on an upcoming statement.

zoltoi hinshuu hyarval hanhlaad shatahaa shahsan shuu. medeej olon yum suraltsaj l yavna. iim l yum bolsym daa.
neg harsan chine dalan bulchirhai nayan nailzuurhaigaa toochtson suujiishd. arai l bank informationaa delgeegui baina.

uguiee paypal chine 2 confirmed bank accountny hoorond mungu damjuulah uureg l huleeldeg. negent uursduu shalgaj batalgaajuulsan account hoorondoh asuudlyg bas shiidverleh uuregtei l dee.
chi bankcardtai hutgaad baina. banknaas unauthorized guilgee garsnyg udurt ni medeeleh heregtei
gej yarisan yumaa. tuunees paypaltai hutgah hereggui.

well i was talking about paypal here.

aliv ID and koodoo ogoodohdoo.chamaig unen yariad baina uu gedgiig chin uzeedhii./gejiigaal zalidchihdag gejiileeshd, za nargia yahav,/ nohor chin bankind ajilladag gesen neg industry giin l hun yum baina. daraa usa orvol tanai ger buleer zochilj bolno bizdee. we could talk about not only paypal hehe. cheers

uu tegeerei. gesnees chi deer usa visa garchihsan. ochloo geed baisan. tegeeed irsenuu.
yavj amjaagui l bainuu.

za tegeed yaj chatalchaad zugeer garaad yavahav heden zuvlumj ugchuhuud gary.

identity theft protection rules

1. uuruu l handaj zalgaagui bol utsaar huviin medeellee hend ch buu ug.
2. SSC-aa hezeech buu turuuvch bolon biyedee avch yav. mash secure gazar hadgal.
3. mashin rentleh hereg garval renthal agreementnyhaa copyg mashinaa butsaaj uguhduu ustgaj bai.
4. credit cardnyhaa copyg avch hadgal. (as well as customer service phone#)
5. check your credit report at least once a year.
6. try paying your bills online, if you do mail checks, mail them directly from the postoffice.
7. use antyvirus software and update it regularly, set up firewall on your computer.
8. do not store on your pc the passwords to frequently visited websites.
9. remove all personal information from your harddrive when you get rid of your pc.
0. lock your car and don't leave anything in it.

hey chi yasan sain medej baihiin. tegehed bi NY bolon washington DC haviar /goltsuu arlington/ ayalj amarch baigaad irsen. 31 onii oroi 8pm tsagt JFK airport buusan mortloo 10pm d times square deer 12 tsagiig ni huleegeed zogsoj baisan geed boddoo. manai taniliin naiz ni harin tegehed ih tus bolson.

ID theftiin tal deer chiniih deer nemehed, eldev ID tai tsaasan hogoo saitar ustgaj dahin unshigdahaargui bolgoj baigaad hayah ni zuitei. ID thief uud hogii chin uutiig zadalj baigaad l uzne shuudee. tegeed margaash ni hatagtai legacy ta online casino d 10000 dollar toglood aldsan tul tolboroo baragduulna gedeg nehemjleh ner deer chin hureed irne.

yooooooooooooo arai ch dee, ingeed hureed irvel ch ongorchee ........


hehe, iim balai yum bidend hezee ch buu tohioldog .....

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Fishin' .....

Yag unen. tv-eer bi ene hog uhaj humuusiin informationyg avch eldev argaar ashigladag nevtruuleg uzej baisan yum.
jijiglej herchdeg office-nuudaad heregleed baidag mashin avchihval zugeer. anhandaa bi ch dunduur ni gants uraad l hogyn sav ruu chuluudchihdag baisan. nuhurtuu zagnuulsnaas hoish herchdeg mashin olj avsan. yum hugjih tusam hulgaich naryn arga nariisaad l
ter hemjeegeer huvi humuusiin uureg hariutslaga sonor seremjiig shalgaad l yaj gaigui shig orlogotoi hun shig amidarahav gej buun
tolgoin uvchin bolood l daraa ni yaj teriigee amitand aldchihgui hadgalj chadhav geed bas shanalaad l stress depressgui amidrah arga alga.

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mr.Kim

zambaraagui ni unen. enenees iluu tsegtstei bichij chadkuu baihaa. material dutaad baidyn.
zav, setgel, zurh geed zunduu yum nuluulnu l duu. gaigui yum bichihiin tuld. ayagui bol yag heregtei humuus ni olj unshihgui, hereggui humuus ni uchryg ni oilgohgui biz gej bodoj baina.

baahan card mard yarij baigaad buun criminal bolood yavchlaa. gehdee duusganaa.

1.itentityg chine zuvhun chamaas mungu hulgailahad ashiglaad zogsohgui neriig chine ashiglaj crime hiideg.
neriig ni sain sanahgui baina Mr. MB gechii. anh udaa 1998 ond local newspaper deerees uuriig ni har tamhinaas bolj barivchlagdsan gedgiig olj unshjee.
tsagdaad darui medegdseneer victim bolj gedgee batalj, tuunii daguu soninyhon hurtel zalruulga gargsan. tuuh uugeer duusaaguigeer barahgui udaa daraa helmegdseer baij. 4 saryn daraa uuruu jinhneesee gereesee barigdan jaild orson. arrested on the same drug charges.
neg honuulaad tuuniig shalgaad helmegdjee geed sullasan. getel 5 jiliin daraa ajlaasaa genet halagdaj bas helmegdev. uchir ni alban gazar ni humuusiinhee criminal backgroundyg shalgasnaar nuhriig umnu ni unemployment benefit ni denied bolj baisnyg temdeglesen baij.
shaltgaan ni unpaid traffic tickets, suspended drivers license g.m. za tegeed mr. MB guia ene buhniig correct bolson baina.
2003 ond tereer bas cocoin zarsan hergeer barivchlagdaad tendee 2 honoson. tuunii true identityg establish bolj duusahyg huleej 2 honuulaad sullajee. 5 jiliin tursh ene hun eldev crime asuudlaas bolood tun iheer helmegdsen baigaa yum.

bas neg angli 72 nastai hugshnii neriig buh identityg 14 jiliin tursh ashiglaj, gemt hereg uildej americad amidarch baisan hun Las Vegasaas barigdaj, haa baisan South africa-d juulchilj yavsan angli uvgun helmegden shorond yal edelj baisnyg victim baij gedgiig togtoon sullasan baidag.

teheer mongolchuud ajild oroh gesiin socialoo ugchih, discond oroh gesiin id-gaa ugchih ene ter gedgee bolih heregtei.
yund ch urtuj magadgui gedgiig sanah heregtei baina. usyg ni uusan gazar yosyg ni dagaj amidar.

2. Edward Smith gedeg hugshin shuudangaa shalgaad shine mashin hudaldaj avsand talarhsan zahia automobile insurance company-aas irsniig gaihan utasdaj lavlatal ner deer ni 42100 $-iin cadillac escalade avaad arilaad ugchee. tuunii identity quest diagnostics gej tsusny shinjilgeenii laboratory-goos aldagddsan baiv. identity teft stressnees bolood hugshnii daralt ni bainga ihesdeg bolson.
NY-giin autodealer neg udur neg dor 130000$-oor neg bish buur 2 BMW zarj chuham l zulai deerees ni nar nevt tuunusun az hiimoritoi udur tohioj. buur ter tusmaa NY-iin uuguul irgend. nuguu baagy ungu unen deer yamarch songolt hiilgui uter turgen dealee duusgahgeed baisan ni dealeruudiin anhaarlyg tataj utsaar zalgaj shalgahad nuguu hun ni medehgui suuj baisan baina. neg mashinaa avch yavaad 2 dahia avahgeed irehed ni tsagdaa nar otoj baigaad barivchilsan.

wellsfargogyn neg mortgage consultant notebookoo mashindaa uldeej, tulhuuree zoolttoi orhiod gasstation orood garaad irehed ni hulgaich caryg ni avaad arilsan baisan. gol ni notebook dotor heden myangan mortgage ezemshigchiin buhii l ner us SSN hayag utas geed buh medeelel baisnyg aldsan. hed hongyn daraa mashinaa olj avsan ch notebook ni alga baisan.
teheer mashindaa notebook eteree il suulgaj hunii anhaarlyg tatah ayultai baih. Hundaga lag tom taviur hiitsen baisan.
tiim ch good idea bish baih. hundagyn notebook maniusiinhyg bodvol lanjgar medee medeelel baidag biz.

visa-gaa credit limitiig ni olon dahin hetruuleed baival yah ve? bi lav 4-5 udaa hetruuleed bgaa eniig unshsanii daraa sanaa genet zovdog baishd

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3rd world Democracy

europoos amerik ruu mungu yaj hyamdhan shiljuuleh ve? turuund neg shiljuulsen chini europiin dansnaas maani 5.5 Euro amerikiin dansnaas maani 15$ shimtgel avchihsan bsan.

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http://t8m8r.wordpress.com

hurj irehdee hamag mongoo saltaalaad irehed yasiin be?

yur ni iimerhuu l baidag yum. enenees iluu hyamdarna gej baihgui. neg bol amerikiin bankaa iluu tom bank Citi ch yumuu Amex iig ch yumuu songood uzvel ene 15 dollar ni alga bolj magadgui.

saltaalaad irdeg bj.

end ATM-ees (europe banknaas) belen mungu avahad shimtgel ni arai gaigui yum shig bn. tsaana ni yag 0-iig uldeej avah hyalbar arga bn uu?

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http://t8m8r.wordpress.com

Gavana americad irkeed baigaamuu esvel irtsiimuu.

Ter shimtgelgui mungu shiljuulj bololgui yahav. europyn dansan baigaa munguu paypald bairshuulaad america dahi dans ruugaa withdraw hiichih.
yamarch shimtgel baihgui. moneygram, western union eteriig bodvol nuguu bankny pending time geed nuguu dansand ortloo 2-3 honoh l baih. shuud utasny #-yg ni uguud l dor ni paypal accountnaas bas shiljuulchdiin bailee. gehdee bi uzeegui. chi paypalaas orood sonirhchih. ter europyn dansnaas yag 0 uldeej mungu tatna gej yu yariad bainaa. americyn ATM yariad bainuu. ATM -ees 20$-oos dooshoo mungiig ugduggui yum. ATM chine mashiny shimtgel, bankny shimtgel gej 2 tusdaa jijig shimtgel avdag yum. Butarhai mungu eteree avkaad baigaamuu Esvel online transfer hiicheech.

Citi bankand handval yamarch shimtgelgui dansnaasaa mungu avch magadgui. uchir ni gadaadad haa saigui salbartai gadaad guilgee, gadaad hariltsaa taldaa iluu uilchilgeetei baij magad. Gadaadyn business erhlegchid, hurungu oruulagchid golduu ene bankand danstai baigaad baih shig baidag. americuud bank of america, wellsfargo 2-oo golchlon heregleed baih shig baidag.
Amex bank bish. Hudalch hund credit cardnaas uur uilchilgee baihgui. End tend branch eter baihgui. utsaar, yumuu online-aar holbogdono.Amexiin credit cardyg jijig gazruud barag accept ch boldoggui. Marketing saitaadaa olon gishuudtei baigaad baidag baih. Eldev free uilchilgee ih uzuuldeg. reward tsugluulj baigaad shopping hiichne. unegui ongotsoor niseh, buudald bairlah, eldev concert, temtseen uzeh, emergency road service eter geed zarim humuust ashigtai l daa. ene bugd yunaas sanhuujeed baina ve geheer nuguu huurhii late payment hiideg, overdraft hiideg, interest ih tuldug humuusees sanhuujij baigaa gej bodohoos bas l ehehehe.

I use Paypal debit card extensively (been using like 5 years), coz of its 1.5% cash back bonus.. and my little sister has been using it from outside US for like 3 years now, from such places as MGL, France, Germany, China and Sout Korea .. Works fine and never charges international fee or anything like that (unlike many of the other US bank debit or credit cards), and still gives out 1.5% cash back on every purchase.. In the other hand mom has credit card and bank debit cards from USA and whenever she use em from outside the country, there are always some kind of international transaction charges.. i think last time the fee was like around $2.99 for 100$ purchases she made in MGL and S Korea... So be aware ..

jishee ni ene paypal cardaar mongold baidag visa atm uudaas mongo avbal yahuu? yamar ch shimtgelgui gej baina uu?

Neeree Mongolruu mongo yavuulna gesnees neg ATM card yavuulaad tendees ATM-eer avaad baival yadgiin?

irtseen. ATM-ees butarhai mungu avch bolohgui ni jaahan tiim yum paypal-aar oroldood uzie. bayarlalaa!

checking account, saving account ali bankind neelgevel deer ve?

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http://t8m8r.wordpress.com

bank of america
best service, higher standart.
bank of america overdraft fee ni 13 ch biluu hamaagui baga. hasah danstai bolchuud wellsfargo shig udur bur 5 $ charlahgui geed olon ashigtai. busad bankyg bodvol account neeh shalguur bosgo undurtei. zaaval ID bolon SSN shaardlagatai. wellsfargo eter bolohoor gadaad pass etereer account neechihej boldog uchraas eldev fee ene ter deeree changa baidag baih. busdyg ni muulaad yahav . uuruu med.