This is a message for ANYONE who has thought about or IS dealing with BHW member miamiking75 (aka Michael Monk). Here is my story. It is 100% the truth and I will do whatever anyone requests to back it up. I put an add on BHW a while ago asking for an eBay Powerseller account. I was buying some original iPhones, and wanted a powerseller account to help with their credibility. I bought those off of someone online, and lost some money on that deal. I paid with PayPal and he did not deliver, so i made a claim to PayPal and they tried to get the money back, and did all but about $200. I told Miami this and I told him that paypal will NOT go into your bank account to get money if you do not buy through eBay. They WILL if you buy through eBay. Anyway he sent me screen shots of the site and it looked good, and we agreed a price of $1700. We also talked about Black Hat tools and coaching. He offered me some Black Hat tool plus coaching for an additional $200 so I said ok. He wanted me to make the payment bank to bank, and I couldn't do that as I am currently living in Estonia, and my bank is in the UK. I needed to go to the UK to do this. I will be open here, I tried to commit suicide last August and my life is a REAL mess!! Anyway, Michael (Miamiking75) kept on sending me rambling messages via BHW and email telling me what thiefs paypal were etc., and how they had restricted his account. At that point I had suspicions. Anyway I received another rambling email and he said make the payment now via Paypal, so I did. The next day, he went ballistic at me via MSN chat, and I just told him, look at the message you sent me via BHW. He looked and said he didnt remember sending it. Anyway, he received the money, but was pissed off paypal deducted he said $73 in fees, so I said if it means SO much to you I will make another payment of this money, but he kept on with some story about how paypal are robbers. He paid $300 for a VCC that didnt work, and he paid someone $300 for advice as to how to get round these charges, and all I said was, where is my stuff!! It wasn't forthcoming, and I began to smell a rat and thought this wasn't genuine. So anyway, we chatted and he still didnt send me my stuff, so I warned him I would ask for the money back through Paypal, and he didnt say anything. So i made a claim from him. At this time he said no problems, he would send back the full $1900, and I can resend to him via mass pay and save the fees. I said ok then, if you like. He sent me some stuff (which i DIDN'T access) as I wanted the whole deal finalised before I did, and he sent me the details of the ebay account. So he seemed ok with this. He even wrote a message on the claim about how he would pay $73 less to paypal. Bearing in mind I wanted my stuff, and I had already offered to pay the additional $73!! This was weird. Anyway, he said he agreed to send back the $1900, and the claim was proceeding, as he agreed. BUT he then became VERY agitated, and said paypal were robbers and tried to take the money from his bank account without his authorisation, well .I KNEW that is wrong. They will not. It says so in their user agreement section 13.5 i think it is!! Anyway, he wanted me to call up paypal and cancel this chargeback. I tried to cancel it online, and i called Paypal. I spoke to them in the UK and they told me that once the process of a payment chargeback has started, it can not be stopped!! So it had to continue. I called them a few times, at great expense as I am in Estonia and I was calling the UK on my mobile phone. Anyway, he received a message from paypal to say they managed to recoved $250 from his account, and he went crazy again, calling me a thief. HE agreed that he wanted to send the money back, and save on charges, and he sanctioned, so he said, the chargeback, and he called me a thief. I didnt see this message initially, and he went crazy at me. At this time, I thought I needed to try and protect my investment as i could see this going horribly wrong, so I accessed the eBay account and changed the password and email. He obviously knew this and as he didnt set the account up originally contacted the original owner, and took the account back. He said I was a scammer!! NO, IF I was, I would have changed ALL of the details wouldn't I? so he COULD NOT take it back. He has now changed the name of the account and email and so it no longer exists under that name. So in summary, I am $1650 down, and he still has an eBay account to sell, and he is calling ME a thief? I have NOTHING left in this life. I have lost everything. I was being paid £65,000 + in the UK. Now I have nothing. I live in a one bedroomed flat with my wife, little baby girl and my wifes mum!! This was our last money. I had to tell my wife about this all at the weekend, and she threw me out. I am living at her sisters place. I need to be looked after also, as I am suicidal also, through not sleeping with worry. This guy CAN NOT do this. I will happily give anyone access to anything I have to substantiate this claim.