Is this worth hiring a lawyer to sue a debt collector and make complaints against the credit bureaus? [USA-MO]
Could someone let me know if this is a potential case or if I'd be wasting both my and the attorney's time talking to them?
I had a collection show up on a credit report and disputed through that bureau before ever getting contacted by the collector. The collector sent a packet of papers "verifying the debt." The packet included generic credit card terms and other generic papers that could be for anyone for any credit card. They also included several CC statements with my name and address. These statements had a few payments made to the account by cash. Nothing showing a purchase or a signature.
Having lost that battle, I left it alone for a few months. After a while, I started getting emails with terms to settle the debt. I responded to an email asking for my signature agreeing to the original debt, a statement showing a purchase on the card, and proof that they own the debt. I also requested that not to contact me until proof is provided and that all communication must be in writing. The email address clearly implies it is checked frequently and they would expect to be contacted on it and there was no disclaimer it was an unmonitored inbox.
Over 30 days passed and I did not receive the info requested. I did receive new settlement offers from the same email address though, despite asking not to be contacted before proof was given. I sent a copy of the emails to the credit bureaus to reopen the disputes. They left the collection on my credit reports.
About two months after my email asking for my signature and proof they own the debt, I received another packet. It was mostly the same as the first but included an affidavit (not notarized) saying the credit card company sold the debt to this collector. There was still nothing with my signature or showing a purchase made on the card
Now I've been declined auto loans, gotten higher interest when I did find a lender, and it is slowing my on-boarding process at a higher paying job. I want this off my credit report, if possible collect damages, and report them and the bureaus for keeping it on my report when it wasn't verified withing 30 days

He sees kids only twice a month (every other Saturday) for 24 hours. We recently moved from the state of divorce back to our home state. (This was mutual agreement - we both wanted this).
I moved first and established a home. He then got an apartment an hour away. There is no transportation agreement in our parenting plan but we always had verbal agreement that he does pick up and drop off since he barely sees them. He has recently been complaining that it's too far and wants me to do the driving back and forth now. I just don't think its fair due to the fact that I don't have a lot of time to myself without the kids. 48 hours a month is all. If I were to drive the 1 hour and 15 minutes each way that's 2.30 hours I lose in the 24 hours I have on the weekends he gets them. Not to mention wear on my car, gas, etc.
How should I deal with this? If it matters when we divorced in the previous state the courts suggested he pay $1500/month in CS for both kids, but due do his low income at the time, I said $500/month is fine. Well he now has a better paying job, we are in a different state, and that money doesn't adequately cover the child expenses.
I feel its unfair to want me to drive both ways since I established a home first and he moved an hour away. Also, the CS payment is so low. Has anyone ever redid CS / parenting plan changes after moving states? Would that be the best thing to do?

The metal Olympics are taking place in the wild world of commodities, with gold, silver and copper-based bronze all scoring a place on the podium. New highs continue to be notched in the latest games, though there is skepticism about the results and the possibilities of a rigged performance. However, for those betting on which medal might be awarded next, there is plenty to consider for all the competitors:
Gold: The yellow metal just hit levels of over $2,450 per ounce despite a strong American economy and U.S. dollar. Analysts have pointed to a coming Fed pivot on interest rates, as well as geopolitical tensions that have increased demand for the safe haven. Not only are investors getting involved, but there has been a large amount of buying from central banks, while the retail crowd is even getting in on the action with gold bars from Costco (COST).
Silver: The metal has outperformed gold in recent weeks, bringing its total gain to 32% YTD, compared to gold's 18% return. It also benefits from all the safe haven attributes of its shiny cousin, such as a popular hedge against inflation, along with some distinctive practical qualities of its own. Silver is used for industrial purposes, like solar panel cells, and is relatively cheap in ounces when compared to pricey gold.
Copper: The latest rip has made numerous headlines after hitting all-time highs on exchanges across the globe. Fear of supply shortages and trade disputes has helped generate buzz around the industrial bellwether, which is also key for the green transition and rising electrification needs. Copper is used in EVs, wind turbines, power transmission and AI data centers, meaning there are actual supply and demand fundamentals to assess when evaluating the worth of the red metal.
Too shiny? The commodity competition can experience chaotic events, with scandals and manipulation hitting items like nickel and cocoa in recent years. There is speculation that this might be going on this time around, triggered by leveraged contract buying, short squeeze momentum, or price premiums on different exchanges. Others see a lot of metal potential that has even resulted in some real-world M&A action, such as BHP's (BHP) $39B proposed takeover of Anglo American (OTCQX:AAUKF), which would create the world's top copper producer.
Wall Street leadership Succession plans are "well on the way" at JPMorgan (JPM), with Jamie Dimon saying it's up to the board to determine how much longer he'll remain CEO. "I think when I can't put the jersey on and give it my full effort, I should leave," he announced at the bank's Investor Day, adding that the timetable "is not five years anymore." Dimon also outlined that the lender will not repurchase a lot of stock at current prices, noting that such a buyback - at a valuation of 2.3 times tangible book value - would be "a mistake." JPM shares slipped 4.5% following the comments on Tuesday, but are up more than 40% over the past year. (60 comments)
Pulling a 180? Cryptocurrencies are back in rally mode as traders increasingly bet on the approval of the first spot ether ETF. While the industry previously did not expect the SEC to give the green light, the regulator has reportedly requested that ETF issuers update 19b-4 filings on an accelerated basis. The development signals some progress, but it doesn't mean it's a done deal. Ether (ETH-USD) is still up big on the news, soaring 20% to $3,708. The SEC's decision on VanEck's spot ether ETF application is expected on Thursday, and one from ARK Invest is due on Friday. (1 comment)
Bear capitulation One of Wall Street's prominent bears has finally turned positive on his outlook for the stock market as indexes continue to hit record highs. Mike Wilson, equity strategist at Morgan Stanley, now calls for the S&P 500 (SP500) to rise to 5,400, higher than his previous year-end target of 4,500, which was one of the lowest on Wall Street. The forecast is derived from a 19x P/E multiple on 12-month forward EPS based on June 2026 of $283. "This earnings path is based on our economists' growth forecasts, output from our earnings models, and our view that AI diffusion will boost margins starting in 2025," Wilson declared. (48 comments)
Today's Markets
In Asia, Japan -0.3%. Hong Kong -2.1%. China -0.4%. India -0.1%. In Europe, at midday, London -0.4%. Paris -1%. Frankfurt -0.4%. Futures at 7:00, Dow flat. S&P flat. Nasdaq -0.1%. Crude -1.4% to $78.16. Gold -0.6% to $2,423.40. Bitcoin +5.8% to $71,004. Ten-year Treasury Yield -2 bps to 4.43%.
Today's Economic Calendar
9:00 Fed's Barkin Speech 9:00 Fed's Waller Speech 9:05 Fed's Williams Speech 9:10 Fed's Bostic Speech 11:45 Fed’s Barr Speech 7:00 PM Fed's Bostic Speech
Companies reporting earnings today »
What else is happening...
WSB survey results: Be aware of risks related to meme rallies.
Gruenberg to quit as FDIC chair after toxic work culture scandal.
Mester: More data needed before Fed cuts as inflation progress stalls.
Palo Alto Networks (PANW) tumbles after lowering billings guidance.
OpenAI to pause ChatGPT voice as it resembles Scarlett Johansson.
EV drama: Tesla shareholders to vote on Elon Musk's pay package.
China's Li Auto (LI) postpones all-electric SUV launch until 2025.
Hims & Hers (HIMS) sells cheap versions of GLP-1 weight loss drugs.
Trump Media (DJT) reports hefty quarterly loss on very little revenue.
Calpers to oppose all Exxon (XOM) directors in shareholder dispute.

Wanna buy a house and car, gotta pay interest
Wanna swip credit card, gotta pay interest on late payments (according to mainstream scholars, being in an agreement where you'd agree to do a Haram thing, even if you don't do it, is Haram)
So how do you interpret "Riba"?

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We recognize that every borrower’s financial situation is unique. That's why Networth Advisory provides a range of flexible repayment options to suit your budget and financial planning. Whether you prefer shorter loan terms with higher monthly payments or longer terms with lower monthly payments, we have options that can be tailored to your needs.

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Securing a used car loan with Networth Advisory means partnering with a lender who understands your needs and is committed to providing flexible, affordable, and transparent financing options. Whether you’re buying your first car or upgrading to a more reliable vehicle, our used car loans can help you achieve your goals without financial strain. Ready to take the next step? Contact Networth Advisory today and drive away with confidence.
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Hi! I wanted to pay it forward after benefiting from other helpful Reddit posts by sharing our experience using the Super Priority Service for Indefinite Leave to Remain. Using Super Priority we got our decision within 4 hours after completing our biometrics.
Background

• Moved together to the UK on a 5-year UK Ancestry visa, I was the lead applicant and my partner (unmarried) was my dependant
• Both from the same commonwealth country, both employed and have been in a relationship forever so had solid evidence of living togetheshared financials etc.
• We did this application ourselves and did not use an immigration lawyer.

What we learned:

• Super Priority is only available at 1.00am (12.00am when not daylight savings) and appeared when we refreshed the PAYMENT screen at 1.00am. I did a test 2 weeks prior to applying and grabbed a screenshot of what you should see.
• After you’ve paid, you receive an email for a third-party website to upload your documents and book a Biometrics appointment.
• The Biometrics appointments were £280+ (some were over £400), we couldn’t see any free options, and was a fee we were not expecting. I’m not sure if Biometric appointments are free if you don’t do Super Priority.
• A dependant does not make their own application for ILR but is added as an applicant on the leads

Evidence
I evidenced the following:

• Ancestry - provided my grandmothers birth cert, grandmothers marriage cert, mothers birth cert, my own birth cert
• Ability to support myself & dependant financially - provided 3 months of payslips, employment contract, letter of employment, latest P60
• Proof of relationship with dependant - provided mortgage statement, joint bank account statement, previous rental agreement, latest council tax letter

My partner evidenced the following:

• 3 months of payslips, letter from employer, latest P60, bank statement

We also submitted a ‘visa letter’ to clearly explain my ancestry, financial and relationship evidence. This isn’t necessary but I wanted to remove any confusion about our application and was something I did for my original UK Ancestry visa.
Timeline: 17/05/2024 Friday 1.02am application submitted with Super Priority 21/05/2024 Tuesday 9.00am attended Biometric appointment )appt took approx. 30mins) 21/05/2024 Tuesday 12.52pm application accepted!!
Costs £7770 - Application with Super Priority for both of us £286 – Biometric Appointment for both of us £8056 – Total
I will say we felt like our situation was straight forward which undoubtedly helped with the timeline but hope this helps anyone applying in future!

TL;DR - selfish asshole of an older brother scams me and my parents out of $200.
Okay, so I’m not doing too well financially, but I live with my Mom and Pops so we try to make ends meet. A couple weeks back we were in such rough shape financially, that I had to juggle three day jobs just to cover rent and suppress the collector’s from knocking on the door regarding our collective debts. We so broke I literally can’t even afford to sleep because in the night=I can get freelance work done. “I can sleep when I’m dead,” has become my full-time motto (unfortunately). Anyways, to try to bring some income in my household I offer services as a freelance video editor.
A while back, my older brother (who’s a career criminal and has flee’d multiple countries when authorities were after him for violent offences) hit me up and asked if I’d be down to edit for him. I was hesitant at first, being as last time I heard from him was after he beat our Mum to a pulp when I was only 12. For context bro or sis, whoever you are that is reading this: if I was only three years older I wouldn’t have let that slide—I would have mobbed his ass right then and there, pinned him down and done him so fucking dirty… IDGAF if my 15 year old ass had gone to juvie for it, I would do anything for my mother, including take a life. But instead, all that’s been imprinted in my brain is how much of a bitch I was at 12–cowering under the dining table as he took multiple shots with a shoe, at our crying helpless mother on the ground.
Anyways it’s been a few years, I’m 24 now and he gave me a big sob story how he has changed. I bought it up like the good little sheeple I am… started editing for him under the guise that he’d pay me $200 per video: SCORE! That’s a lot of money!!!
I got to know his business (shady as fuck) and got to find out he now dreams of being a finance influencer (double shady) but alas, he’s my big bro and no matter what wrong-doing he’s doing, he convinced me that he was a good man. Ight, bet, I’ma edit for him and make some money for the fam! In between his ‘takes’ of videos he sends me, I piece together that his “wife” films the videos, and he’s still an extremely abusive person. He tries not to let it show on camera, but I’m really good with people, emotions and hidden trauma so I can feel the sickening ‘abuser-of-people’ energy SEEPING off of him, still, to this day. I feel sick to my stomach editing for him, but shit, he’s promised me $200 per video. Over the course of a few weeks I can see why he never told us about his wife, it seems he keeps her pent up somewhere in Georgia, Batumi, and forces her to do whatever he wants. He once referred to her as “his slave” which I originally thought was A JOKE, but now in the grand scheme of things… I don’t think it was a joke. I pray that authorities get to them before he does something to her, but idek where to begin to put a ‘concerned citizen tip’ in a foreign country.
Some context as to why I put up with all the red flags: Mom’s not working as she has to take care of the house and she’s also trying to make money online, any ways possible. She’s starting to sell her favourite clothes. It fucking breaks my heart that I can’t do shit about it… at 24 years old, with all the social media influencing and advertising, I feel like garbage that I can’t fully support my parents… at least not yet! Dad is constantly depressed because he’s almost 80 years old and can’t retire ‘cuz my parent’s are in too much debt.
Okay, anyways, three BIG videos done for him (by big, I mean I spent +8 hours on each vid) and brother’s paid me for ONE via PayPal… no worries, he keeps leading me on saying the money will come, the money will come. And PayPal says I got $200 coming my way from him! Uhh ight, bet? Mind you, I start PLANNING my life around this $200 notification because that’s a hot stack for me and my family!!! Takes PayPal about 20 days to actually let me use the money… ridiculous because we NEEDED it… but that’s okay, I work around the problems in life, much like we all have to.
Here comes the turning point: I’m a little overworked and a little coo-coo sometimes, and one night I start telling him personal shit, kinda pouring out my heart to him, venting almost. I don’t really remember about what, just life I guess, nothing negative towards him. Somehow he misconstrues it, gets upset with me, and ‘tells me off.’ I get upset with him, tell him his business is a sham and I’ma change the rules that we agreed upon. Since his fake-ass can’t pay me what was agreed upon, (maybe $200 is a lot for him, as well) so I ask him if we can do $10 per hour instead. I pitch to him that moving forward, anytime I edit more than five hours ($50), I will refuse to edit until the money gets sent. The conversation turns hostile, QUICK. He calls me a ton of bad names with an underlying message that I’m the biggest loser on earth for pursuing a dream in working in Entertainment & he ends it with a sweet “you’ll never be anything.” LOL WHAT? Completely out of pocket and out of left field, so naturally, I tell him to eat shit, I won’t be doing anymore free work and he can pay me a mere $30 (yes, thirty dollars) for the entire portfolio of audios, texts/scripts, videos, and clips I’ve taken from the internet that ‘match’ the vibe he wants in his videos.
Context: at this point I’ve completed SIX FULL VIDEOS FOR THIS DUDE and he’s only paid me the one payment of $200. Not good at maths? Me neither, lemme help you out. He owes me $1,200 from our original agreement because I’ve spent more than 48 collective hours working on his videos, and he’s only paid me $200. But I tell him: I’ll let it all slide if he pays me $30 for the portfolio of about 50 gigabytes, and then moving forward, he’d pay me the $10 per hour if he wanted more content from me. He already has the six full videos in his possession. The ‘portfolio’ is stuff I’ve found that’s free-use on the internet, stuff that I’ve compiled, and even some scripts that I’ve written out! ALL MINE that I did for HIS business. So it seems logical for me to give this portfolio as an option, just incase he wants to say nah moving forward on me editing for him, and just take the material & go our separate ways…
In response, my (35 year old) brother files a complaint on PayPal claiming he only hired me for a channel encompassing trailer that I did not provide and that I’m attempting to extort him for more money. LOL, WHAT? PayPal’s like BET and automatically attempts to deduct from MY chequing account, without even getting to the bottom of it. Obviously doesn’t work, my account (not PayPal account, my fucking bank account. these mf so overzealous that they reached right into my mf pocket!!!!) gets put in the negatives and I attempt to appeal, with no sweat on my brow ‘cuz I’m like no way PayPal finna let this slide. I then proceed to message my terrible relative multiple times, with texts, videos and audio recordings and I’m in a hysterical mess. I begin threatening him, I begin begging to him, pleading with him, saying anything under the sun just for the hope that he has some heart and would send back the $200 if PayPal does end up taking it from me. Already my chequing was fricked but I could do some damage control… I was cocky, thinking PayPal would obviously side with me once they heard the whole story, so I also told him since he’s caused such pain for me out of absolutely nothing, like completely unprovoked, then shit: I want the original $200 PLUS an extra $200 for all this trauma. He responds by blocking me on everything. It’s 4 A.M. and I’m shaking as I’m typing this…
Somehow after all the information I provided, PayPal sides with him. Wow, wait, what? PayPal has since tried to deduct my PERSONAL CHEQUING ACCOUNT multiple times in order to fish back the $200 which I ALREADY HAD TO USE!!! Idk if you ever had a payment tried to be taken out of an account which already has a negative balance, but the payment doesn’t go (it does a minus then a plus) but usually the bank is like WTF and charges you fees. Multiple times = Multiple fees…
Before, I was in the negatives on my ONE chequing account I own… now I’m in the NEGATIVE-NEGATIVES… no clue how tf I’ma get out of it, but we all persevere eventually! I’ve reached out to PayPal but I’m almost sure nothing will come of it.. I’m considering taking PayPal to small claims court to somehow try to fix all this mess, but I fear it’ll break me off more trouble than repair anything. If you want to DM me, I’ll gladly give you my brother’s socials to send a report to his accounts on Instagram or TikTok, or even leave him a not-so-nice comment if you’d like. Also let me know if you know how I can get in contact with the authorities in the country of ‘Georgia.’
I have absolutely no issues posting his socials, address, doxxxing his ass to the fullest extent, all to do whatever’s necessary: because I fear he will one day gain notoriety and scam a shit ton of people. Praying that never happens.
Let me know what y’all think!!!

Hi,
I want to stop auto deduction this month so i can pay the minimum. Been trying to contact the helpline to ask how that will work. Before, their branch employee had told me to a ritual where you let the auto-bot speak three times then it directs you to a menu, from where then you select and wait. Something like that, and it had worked.
Their helpline setting has changed and now, maybe i have either forgotten or they have completely shut down the call center.
If anyone knows how to stop the auto-deduction and switching to a minimum payment plan, please guide.
p.s. if you can also guide about the helpline status right now, be a great help.
Have a good day!
edit: got in contact. It can only be done from the next statement it would seem and not for the payment due day after tomorrow. sighs.

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TL;DR - selfish asshole of an older brother scams me and my parents out of $200.
Okay, so I’m not doing too well financially, but I live with my Mom and Pops so we try to make ends meet. A couple weeks back we were in such rough shape financially, that I had to juggle three day jobs just to cover rent and suppress the collector’s from knocking on the door regarding our collective debts. We so broke I literally can’t even afford to sleep because in the night=I can get freelance work done. “I can sleep when I’m dead,” has become my full-time motto (unfortunately). Anyways, to try to bring some income in my household I offer services as a freelance video editor.
A while back, my older brother (who’s a career criminal and has flee’d multiple countries when authorities were after him for violent offences) hit me up and asked if I’d be down to edit for him. I was hesitant at first, being as last time I heard from him was after he beat our Mum to a pulp when I was only 12. For context bro or sis, whoever you are that is reading this: if I was only three years older I wouldn’t have let that slide—I would have mobbed his ass right then and there, pinned him down and done him so fucking dirty… IDGAF if my 15 year old ass had gone to juvie for it, I would do anything for my mother, including take a life. But instead, all that’s been imprinted in my brain is how much of a bitch I was at 12–cowering under the dining table as he took multiple shots with a shoe, at our crying helpless mother on the ground.
Anyways it’s been a few years, I’m 24 now and he gave me a big sob story how he has changed. I bought it up like the good little sheeple I am… started editing for him under the guise that he’d pay me $200 per video: SCORE! That’s a lot of money!!!
I got to know his business (shady as fuck) and got to find out he now dreams of being a finance influencer (double shady) but alas, he’s my big bro and no matter what wrong-doing he’s doing, he convinced me that he was a good man. Ight, bet, I’ma edit for him and make some money for the fam! In between his ‘takes’ of videos he sends me, I piece together that his “wife” films the videos, and he’s still an extremely abusive person. He tries not to let it show on camera, but I’m really good with people, emotions and hidden trauma so I can feel the sickening ‘abuser-of-people’ energy SEEPING off of him, still, to this day. I feel sick to my stomach editing for him, but shit, he’s promised me $200 per video. Over the course of a few weeks I can see why he never told us about his wife, it seems he keeps her pent up somewhere in Georgia, Batumi, and forces her to do whatever he wants. He once referred to her as “his slave” which I originally thought was A JOKE, but now in the grand scheme of things… I don’t think it was a joke. I pray that authorities get to them before he does something to her, but idek where to begin to put a ‘concerned citizen tip’ in a foreign country.
Some context as to why I put up with all the red flags: Mom’s not working as she has to take care of the house and she’s also trying to make money online, any ways possible. She’s starting to sell her favourite clothes. It fucking breaks my heart that I can’t do shit about it… at 24 years old, with all the social media influencing and advertising, I feel like garbage that I can’t fully support my parents… at least not yet! Dad is constantly depressed because he’s almost 80 years old and can’t retire ‘cuz my parent’s are in too much debt.
Okay, anyways, three BIG videos done for him (by big, I mean I spent +8 hours on each vid) and brother’s paid me for ONE via PayPal… no worries, he keeps leading me on saying the money will come, the money will come. And PayPal says I got $200 coming my way from him! Uhh ight, bet? Mind you, I start PLANNING my life around this $200 notification because that’s a hot stack for me and my family!!! Takes PayPal about 20 days to actually let me use the money… ridiculous because we NEEDED it… but that’s okay, I work around the problems in life, much like we all have to.
Here comes the turning point: I’m a little overworked and a little coo-coo sometimes, and one night I start telling him personal shit, kinda pouring out my heart to him, venting almost. I don’t really remember about what, just life I guess, nothing negative towards him. Somehow he misconstrues it, gets upset with me, and ‘tells me off.’ I get upset with him, tell him his business is a sham and I’ma change the rules that we agreed upon. Since his fake-ass can’t pay me what was agreed upon, (maybe $200 is a lot for him, as well) so I ask him if we can do $10 per hour instead. I pitch to him that moving forward, anytime I edit more than five hours ($50), I will refuse to edit until the money gets sent. The conversation turns hostile, QUICK. He calls me a ton of bad names with an underlying message that I’m the biggest loser on earth for pursuing a dream in working in Entertainment & he ends it with a sweet “you’ll never be anything.” LOL WHAT? Completely out of pocket and out of left field, so naturally, I tell him to eat shit, I won’t be doing anymore free work and he can pay me a mere $30 (yes, thirty dollars) for the entire portfolio of audios, texts/scripts, videos, and clips I’ve taken from the internet that ‘match’ the vibe he wants in his videos.
Context: at this point I’ve completed SIX FULL VIDEOS FOR THIS DUDE and he’s only paid me the one payment of $200. Not good at maths? Me neither, lemme help you out. He owes me $1,200 from our original agreement because I’ve spent more than 48 collective hours working on his videos, and he’s only paid me $200. But I tell him: I’ll let it all slide if he pays me $30 for the portfolio of about 50 gigabytes, and then moving forward, he’d pay me the $10 per hour if he wanted more content from me. He already has the six full videos in his possession. The ‘portfolio’ is stuff I’ve found that’s free-use on the internet, stuff that I’ve compiled, and even some scripts that I’ve written out! ALL MINE that I did for HIS business. So it seems logical for me to give this portfolio as an option, just incase he wants to say nah moving forward on me editing for him, and just take the material & go our separate ways…
In response, my (35 year old) brother files a complaint on PayPal claiming he only hired me for a channel encompassing trailer that I did not provide and that I’m attempting to extort him for more money. LOL, WHAT? PayPal’s like BET and automatically attempts to deduct from MY chequing account, without even getting to the bottom of it. Obviously doesn’t work, my account (not PayPal account, my fucking bank account. these mf so overzealous that they reached right into my mf pocket!!!!) gets put in the negatives and I attempt to appeal, with no sweat on my brow ‘cuz I’m like no way PayPal finna let this slide. I then proceed to message my terrible relative multiple times, with texts, videos and audio recordings and I’m in a hysterical mess. I begin threatening him, I begin begging to him, pleading with him, saying anything under the sun just for the hope that he has some heart and would send back the $200 if PayPal does end up taking it from me. Already my chequing was fricked but I could do some damage control… I was cocky, thinking PayPal would obviously side with me once they heard the whole story, so I also told him since he’s caused such pain for me out of absolutely nothing, like completely unprovoked, then shit: I want the original $200 PLUS an extra $200 for all this trauma. He responds by blocking me on everything. It’s 4 A.M. and I’m shaking as I’m typing this…
Somehow after all the information I provided, PayPal sides with him. Wow, wait, what? PayPal has since tried to deduct my PERSONAL CHEQUING ACCOUNT multiple times in order to fish back the $200 which I ALREADY HAD TO USE!!! Idk if you ever had a payment tried to be taken out of an account which already has a negative balance, but the payment doesn’t go (it does a minus then a plus) but usually the bank is like WTF and charges you fees. Multiple times = Multiple fees…
Before, I was in the negatives on my ONE chequing account I own… now I’m in the NEGATIVE-NEGATIVES… no clue how tf I’ma get out of it, but we all persevere eventually! I’ve reached out to PayPal but I’m almost sure nothing will come of it.. I’m considering taking PayPal to small claims court to somehow try to fix all this mess, but I fear it’ll break me off more trouble than repair anything. If you want to DM me, I’ll gladly give you my brother’s socials to send a report to his accounts on Instagram or TikTok, or even leave him a not-so-nice comment if you’d like. Also let me know if you know how I can get in contact with the authorities in the country of ‘Georgia.’
I have absolutely no issues posting his socials, address, doxxxing his ass to the fullest extent, all to do whatever’s necessary: because I fear he will one day gain notoriety and scam a shit ton of people. Praying that never happens.
Let me know what y’all think!!!

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Today i got this e-mail.
Greetings!
I have to share bad news with you. Approximately a few months ago, I gained access to your devices, which you use for internet browsing. After that, I have started tracking your internet activities.
Here is the sequence of events:
Some time ago, I purchased access to email accounts from hackers (nowadays, it is quite simple to buy it online). I have easily managed to log in to your email account One week later, I have already installed the Cobalt Strike "Beacon" on the Operating Systems of all the devices you use to access your email. It was not hard at all (since you were following the links from your inbox emails). All ingenious is simple. :).
This software provides me with access to all your devices controllers (e.g., your microphone, video camera, and keyboard). I have downloaded all your information, data, photos, videos, documents, files, web browsing history to my servers. I have access to all your messengers, social networks, emails, chat history, and contacts list.
My virus continuously refreshes the signatures (it is driver-based) and hence remains invisible for antivirus software. Likewise, I guess by now you understand why I have stayed undetected until this letter.
While gathering information about you, i have discovered that you are a big fan of adult websites. You love visiting porn websites and watching exciting videos while enduring an enormous amount of pleasure. Well, i have managed to record a number of your dirty scenes and montaged a few videos, which show how you **** and reach orgasms.
If you have doubts, I can make a few clicks of my mouse, and all your videos will be shared with your friends, colleagues, and relatives. Considering the specificity of the videos you like to watch (you perfectly know what I mean), it will cause a real catastrophe for you.
I also have no issue at all with making them available for public access (leaked and exposed all data). General Data Protection Regulation (GDPR): Under the rules of the law, you face a heavy fine or arrest. I guess you don't want that to happen.
Let's settle it this way:
You transfer 2.4 Bitcoin to me and once the transfer is received, I will delete all this dirty stuff right away. After that, we will forget about each other. I also promise to deactivate and delete all the harmful software from your devices. Trust me. I keep my word.
That is a fair deal, and the price is relatively low, considering that I have been checking out your profile and traffic for some time by now. If you don't know how to purchase and transfer Bitcoin - you can use any modern search engine.
You need to send that amount here Bitcoin wallet: bc1qh5aex028jj339vdjkj5u3k37a72rkr33kqkars
(The price is not negotiable). You have 5 days in order to make the payment from the moment you opened this email.
Do not try to find and destroy my virus! (All your data is already uploaded to a remote server). Do not try to contact me. Various security services will not help you; formatting a disk or destroying a device will not help either, since your data is already on a remote server.
This is an APT Hacking Group. Don't be mad at me, everyone has their own work. I will monitor your every move until I get paid. If you keep your end of the agreement, you won't hear from me ever again.
Everything will be done fairly! One more thing. Don't get caught in similar kinds of situations anymore in the future! My advice: keep changing all your passwords frequently.

I knew it was a scam, but I wanted to make sure and check it on the Internet. so I copied the entire e-mail and pasted it into the browser, thinking that I would learn something, but only after a while I realized that this was how I could have left my data and been hacked. and now the question is whether I should go to the police or leave it because I'm exaggerating too much.

I'm not familiar with Australian law at all so any help would be appreciated.
I have rented a Granny flat in a house on 29 February directly from the owner. The agreement format is the formal "Residential Rental Agreement" made by "Consumer Affairs Victoria" and is in 10 pages. In the second page, between the two choices of "fixed" and "periodic", it is indicated that it's a "periodic agreement (monthly)". Also at page 10, in the "additional terms" section, the owner has written this: (with a little bad grammar)
"Any behavioral issues will be this contract will be terminated without notice of termination."
Also the bond is 0 and it's written in the contract that cash is a better payment (probably because the owner is not reporting to ATO).
Now, back to the story, I always worked as a remote software developer and that's what I told them when I moved in. So I'm basically in my unit all the time. I have a contact with a company that indicated so, too, that I'm working with them.
During the last month, due to small amount of work that I received from my company (long story), I started doing Uber delivery with a bike. From that day, strange behaviors from my house owner, who are a couple in their mid 50s, appeared. First of all, they both start asking me that if I were honest about being a software developer, why am I doing Uber deliver? (Which I answered nicely and said that I'm getting interviews). After several days, I received a text message from them indicating that I let someone stay overnight in my flat and this is a beach of contract and I have to pay them half of my fortnightly rent which I said I didn't had anyone over (I didn't have anyone over and this is not in our rental agreement as I see. Also, they have cameras all over the house and also through the entrance and they could easily check this). Then the wife constantly teases me about how she thought I'm in IT and I'm an Uber delivery person. Also she teases me about not getting out of the house that much and also being late at one night (I was Ubering and got home at 2am after a 9 hour shift, I didn't disturb anyone but their dog that is kept in the yard kept barking when I entered. Maybe this woke them up or they simply checked the cameras).
I'm getting the vibe that they are looking for an excuse to have me evacuated. They don't seem very reasonable. For example, they have a neglected dog in our common 15m² yard that they never take for a walk, treat, get close to or anything, just the automatic feeder is set and the dog shits and pisses all over the yard! (Maybe it's there to scare the two tenants I don't know).
My question is, if they decide to have me vacated and make an excuse to show as a beach of contract and it is debatable, what would be the notice period and my options? I can do one month but two weeks for notice period is very short for me.

Hello all!
I'm not sure where I stand on this one so I thought I'd get some advice from you kind people.
Recently I parked in an NCP parking garage in Manchester, bit of a last minute panic after the car park at the venue I was going to turned out to be full. I have the NCP ParkPass app set up on my phone so opened that to pay - the app informed me that when there is no barrier to scan the QR code that the cameras will sort this automatically. There was no barrier in this particular park so I drove in and out as the app suggested.
In retrospect I should have made doubly sure the payment had come out of my bank but unfortunately I didn't, and it did not. I got a PCN and appealed it on the basis that it had been indicated to me that because of the app this should have been sorted automatically. I said I was happy to pay the original parking cost but the charge seemed unfair. The appeal was rejected on the basis that AutoPay was not available in this particular car park - as far as I could see on the day there was absolutely no indication this was the case.
Is it worth me escalating to POPLA or is there some other route I could take with NCP first? I feel like in this instance since I did indeed park there without paying, regardless of how misleading the app might have been, that I am ultimately going to be stuffed on this one and I should just pay the reduced penalty and not risk adding the £40 on there for a rejected POPLA appeal.
I will be sure to use Parkopedia in future.

I’m Mark Gatuati. I work as a freelancer and I run a small YouTube channel as a hobby. Some of the tasks that I have handled in the past include;

1. Research
2. Writing (Creative Writing, YT Scripts, Resumes... and more)
3. Graphic Design
4. Social Media Management
5. Video Editing
6. Organization

And more...
Here is a link to some of my previous works.
Work Samples (Personal Resume, Research & Writing Experience, Logos, and Social Media Posters)
Video Editing Experience (My YouTube Channel)
Resume Samples
Let me know if you need my services. You can reach me at:
Discord: .ToxicChief
Telegram: @ chifusumu
Email: [m.arkgatuati@gmail.com](mailto:m.arkgatuati@gmail.com)
I charge a fair price of 4 USD/hr. We can explore other payment plans for tasks where hourly rates don't apply. Looking forward to hearing from you :)