Folks I just wanted to let everyone here know to be **EXTREMELY** cautious about the people who you choose to do business here on this board (if any) as I have just fallen victim being so blinded by a venture from a member here on the board. I know I should have used common sense but like most anything online when coming to making money everything is a risk so you take these risks knowing of a possible outcome that may not be so well on your end so you assess the risk and ask yourself is it something that is worth it? can you afford taking such a risk(s)? and so forth well for me personally I was and still am in a situation of not having a second job to help with my debit and living expenses that I almost felt "forced" if you will to take this risk given the situation that I am currently in with struggling to keep this roof over my head and also with me trying to pay my debts. Well this being said sadly this was a risk that has actually costed me (or should I say is soon to cost me). A member here on the forum who poses as having a call center located in Pakistan able to handle high call volumes and also making posts about his services and also him looking for leads is all one huge scam (to an extent). This person is looking for Canadian and US people to process payments on his behalf for services he is offering / selling because there is supposedly no virtual terminal within Pakistan that he can use. How it works is he will provide you with a website and business description to use on one of a few payment processing websites on the net, you then get provided with a spread sheet of peoples information and charge amounts in which you will enter their information into the site you are using to process the payment for the said charge amount in the spread sheet, you take your percentage for doing the deed and then wire the other person the other percent of the money either directly to him in Pakistan or to a Malaysian bank account he has. Now this is where the scam comes into place. When I first started out I knew right from the get go that this is a huge risk and that it could also cost me my freedom if I end up going to jail for having to do business with this Pakistan dude but again I'm in a situation so I decided I would go ahead and take this risk and just see if its legit or not. Me knowing of the risk involved with running charges on peoples credit cards I had decided to contact a couple of people from the spread sheet in which I was processing payments for the people listed. I had called them to ask if they authorized a charge in said dollar amount and so forth. During this time the people were somewhat aware but not fully or completely of the charge that was made. For example one women told me she had provided her information to a man over the phone who offered to lower her interest rate and that the charge would be for $789 and change mean while I was processing a charge for her in the amount of $795 even. This was already a bit odd to me but like a dumb fuck I carried on with business with this Pakistanian guy and processed around 8 or 10 payments total. The women I called was basically sold debt relief from this Pakistanian guy in which he called her and offered her services that he had to offer. Then he would collect her payment information and provide it to me for the processing of her payment. I keep my percentage and wire him the rest. Now from the start he provided me with a website that had made along with a business description for the website and this is the information that was to be used on the payment processing website mean while he was actually in fact selling debt relief to people via cold calling and leads that he had got from someone or somewhere. Well today was the day that shit finally hit the fan, a charge back came in and the payment processing site decided to stop doing business with me and also reversed a large amount that was direct deposited into my bank account. The charge back reason for an unauthorized charge. So I explained this to the Pakistanian guy and he says no worries he will fight it, work directly with he customer and also provide me with documentation to provide to the payment processing website to help us dispute the charge back. Well in a few minutes of him saying this I was then provided with some bullshit fucking note in pdf file format (single piece of paper) of a fake signature the lady who supposedly filed the charge back. He tells me to please provide it to stripe so we can fight it and reverse the funds so it goes into our favor. I asked him if he was crazy as this was clearly fraud as there is no way this women had signed this paper and that this is her signature on it, yet alone the authorization of the website in which he had me use but was in fact selling these people debt relief to lower their interest rates. So I asked him if he could provide me with some sort of proof showing me where she authorized you folks to charge her for debt relief given that I know damn well she had no idea what the website and business description for the website would pertain to. He then tells me some bullshit that he is the company owner and can change the name at anytime so regardless he sold her debt relief now he somehow has the right to change the form that she supposedly signed that she never actually signed to the name of the website as being the business. Anyway guys if you found or spoke to a guy that fits the bill described above and he came from this forum be very very careful as this is the type of scheme he is running. He also claims to have recorded calls of these people authorizing him to make the charges for the debt relief he is selling which you will never know if the customer gets or not. According to him I get a percent for processing the payments, he and his team members who make and take the phone calls gets a percent and the rest of the money goes to the actual agencies or companies that will be offering the lower interest rates to these people. Anyway so far out of the 8 or 10 people I processed payments for more could come very very soon with charge backs and sadly he was able to make about $900 USD from this as I took my percent from our first payout and wired him the remains like he had asked. Regardless if he shows or provides you proof people just be aware that **YOU** will **NEVER** know if these people are getting what they supposedly paid for or were promised. I'm sure most here isn't in the type of situation I'm in with needing money pretty badly and most here have a bit of better common sense than myself but I just thought I would give you folks a heads up about this member.