I was approached by an aidmate with question about a fraudulent loan offer. This gave me the idea to create an Abuse / Warning page where all aidmates can post their similar experience in order to warn others.

Given the number of aidmates that are talking about financial problems, and the fact that Aidpage is free for everybody, unfortunately, it is unavoidable to have spammers, liars and dishonest people. We are doing as much as we can to keep the system open and at the same moment to identify such parties. The system is performing automatic post-processing for known fraudulent schemes and is deleting the identified accounts. Aidpage is removing some accounts – mostly international Nigerian-like “loan givers”. This is why, once in a while, some of you are receiving email notifications for messages. Then, when you login, there is no message - it was deleted in the meantime by the system. Unfortunately, we are far from 100% successful in this identification process.

So, what should we do? Here are several suggestions I can think of:

1. Use common sense!
   
2. Be careful and communicate through Aidpage only. Nobody needs your email or phone to talk to you. They can do it easily on Aidpage and yet they would not have access to your information (unless you let them).
3. Any legitimate lender or grant giving organization should identify itself publicly. Such institutions cannot be hidden or secret.
4. Whoever claims to represent an organization should be able to post all pertinent information about him/herself and the organization – address, phone, full name, type of business etc – right here on Aidpage. This is a simple advertising for the company and it cannot be a secret. On the other hand, you don’t have to give any information about yourself – their business info is public, your personal info is not!
5. Once you’ve got all the info, go ahead and check them out. Ask aidmates that you can trust for advice. Make sure you know with whom you are dealing.
6. Then, there are individuals willing to help. This is the best thing happening on Aidpage. However, their personal information is as private as yours. They may not want to expose themselves publicly and this is absolutely understandable. Anonymous charity is common.
7. In case someone wants to send you money, they can do it via Paypal. You just need your own Paypal account – it is easy and free. This way, you don’t have to give out any sensitive personal information – like home address, phone, bank accounts, social security number, birth date, etc. You may consider creating a special email for Paypal only.

I do believe good people vastly outnumber the bad guys, anyway.

iis anyone readning my posts i haven't got an responds  am a caring,kind hearted person that just needs some help i am  disabled and low income anyone know of any help i am in need of help i can't pay 900.00 that is back owed for my car does anyone know of any programs that can help

FROM:
Scott & Jennifer Giordano
Helendale, CA. 92342
Giordano-luv@verizon.net

SUBJECT:   HELP PLEASE !

To Whom It May Concern:

If I may take a few minutes of your time I would like to share with you where my family currently stands with our finances, including our mortgage, and how we got to this point. On May of 2006 I left my previous 12 year job with County Fire Department for the following three reasons: (1) my position with County was being eliminated as of July 1st 2006. (2) Because I was losing my job with County I tried to be positive, aggressive, and proactive in finding a new job before I was let go. I Began testing in Colorado in October of 2005 and was doing very well. I continued testing for the next nine months truly believing I would be successful in getting a job in Colorado in particular with the Denver City Fire Department.  I was very successful with my testing efforts and the job was pending on passing a final background. The Start/hire date was estimated to be around mid July giving us enough time to pack move and get established in our rental home before I started my new job. (3) My wife was pregnant with our second child and was put on mandatory bed rest by her doctor until further notice due to complications. This happened in the first of May and I resigned 5 days later with County Fire to be with my wife and my two year old daughter.

It’s about mid May of 2006; I am home packing the house to move, taking care of my wife and my daughter. I continued making trips to Colorado for final testing and to look for our new home and a rental. We as a family make a trip around the end of May and put money down on a new Pulte house in Broomfield Colorado and we find a rental to live in until our house is built. My parents came along with us because they are also selling their house and moving with us. Our current home in Helendale has not sold yet and the market has dropped significantly from what it was one year ago. We decided that if it doesn’t sale before we move that we could afford to rent it out and we would be able to make up the difference with the money I would be making on my new job.

By June we are ready to move and are looking forward to this exciting new start with our lives in Colorado. Around mid June I receive a letter from Denver City stating that I did not pass the final Background and was disqualified for employment. I called to find out what happened and they said that they could not divulge any information but said that I could hire my own private investigator to find out what caused the problem. I hire an investigator and find out that we have been victims of identity theft for many years and that would automatically disqualify me from any government/public service job. I was confused and angry without any idea what had happened or how to fix this problem.

It is now July of 2006 I am now without a job unable to move and trying to figure out what to do for a job to support my family and how do I accomplish fixing this identity theft problem. I spend the next 8 months trying to fixing the identity theft problem spending over 5, 000.00 dollars of our money (not to mention the 75,000 per year lost from losing employment) making hundreds of phone calls to agencies such as San Bernardino County Sheriff, FBI, FTC, IRS, Social Security, AIG, Creditors, Banks, and many others. I have filed two dozen reports to meet the needs of every agency requesting documentation, I have also spend 8 to 10 hours a day looking for work or working small jobs like washing cars, yard work, small construction jobs etc. I have turned in over thirty (30) applications but I am unable to find work because my fifteen years of experience, diploma, and formal training are all based on the Fire Service. The catch 22 problem is I can’t test for fire departments until the identity theft problem is solved or I would run into the same problem I had with Denver City. I continue to hear the same thing from every employer, why are you here and are you going to go back to the fire service? Once I explained the problem they seemed compassionate about my problem but were unable or unwilling to hire me. Over the months we get further and further behind financially. Finally by mid January of 2007 I find a new job. The job is with Barstow Community College and is only part time at this point but I am extremely happy to be working again. Even though I am working I continue looking for full time work in the fire service.

The past several years I have been in a head on car accident with a drunk driver, lost a child, lost my grandmother on Christmas day, lost a best friend to cancer, lost both cars that we owned, my identity, a career, my dreams, ambitions, hope, peace of mind and joy. I have also sacrificed many personnel items like golf clubs, Thomas Kinkaid art collection, football card collection, collector coins passed down by family, and many other valuable items that we had to garage sale or sold on EBay to make money just so we could survive. Our credit has been severely damaged and our faith challenged. In addition to all of that I have suffered from several illnesses requiring medications and a lot of doctor visits. We experienced corrupt real-estate when we tried to refinance our home to get money to help us and instead we lost 30,000 dollars and gained nothing, that problem is currently under investigation with the DRE. We also gave up our dream to move to Colorado, a new house, a great new job doing what I love, and having the ability to help my parents who are retired and on a fixed income and were also counting on moving. My wife and I are hanging on by a thread and are tired, stressed, frustrated, deeply depressed, angry, and confused. We really don’t want to lose the one thing we have left, our home.

I totally and completely understand that this is not your problem and that you are not responsible for helping us in any way, however, I hope that you can find it in your hearts to help my family anyway possible. This is our problem and I take my commitment that I made to you very serious and we continue to do all wee can to make things right again. We really don’t want to lose our house. I refuse to walk away without trying to do everything in my power first. I don’t want a short sale or foreclosure, this does nothing for you or me to solve the problem and in the end we all lose. I am confident that there is an answer to this problem and that it can be solved. Again, I understand you don’t owe us anything and you have every right to take our home, I just ask that if there is any way possible that you or anyone else may be aware of to help us help our selves get back on track, please let me know. Please help us if you can.

As stated in this letter I am now working part time and my wife starts working the first of April. We are confident that we can get back on our feet and are slowly getting there. Please understand that we have lost over 100,000 dollars this past year to year and half, but we are not going to give up we are resilient, confident, humble and hard working and we are committed to make this unfortunate situation right again. We will try to do ALL we can to make this work and pray you can help us. I thank you so much for your time and consideration in regards to this matter.

Note:
 The following documentation can be provided to you for verification if you request it:

1. Police report
2. FTC report #
3. Investigation report
4. Denver City denial letter
5. Lawyer letter from working on credit issues
6. Letter from parents also explaining events
7. Letter from my wife giving her perspective of events
8. Records of financial support from our church
9. Witness of events letters from friends and family
10. Affidavit From Identity Theft 911 (from homeowner insurance)

Thanks again for your consideration, time, and help

Sincerely,

Scott Giordano
       And
     Family

I am a husband and a father and I am asking anyone that can help in ANYWAY posible to please send me an email so that I can get my family back on our feet and we can move on with our life again. This has been devastating to my intire family and we don't no where else wee can turn. Thank you for your time.

I am a mother of a 2 year old son.  My husband and I try very hard to make a home for our family.  He lost his job the day after Christmas and has had trouble finding another one.  I have picked up some contract work, and am now working two contract jobs in addition to my full time job.  I was diagnosed 2 years go with multiple sclerosis, so the extra work is not an easy task.

Anyway, we got behind one month on our house payment and have been unable to catch up.  Our bank is demanding two months (the behind month plus this month) payment within 48 hours.  I don't have it and don't know what to do.

FROM:
Scott & Jennifer Giordano
Helendale, CA. 92342
Giordano-luv@verizon.net

SUBJECT:   HELP PLEASE!          

To Whom It May Concern:

If I may take a few minutes of your time I would like to share with you where my family currently stands with our finances, including our mortgage, and how we got to this point. On May of 2006 I left my previous 12 year job with County Fire Department for the following three reasons: (1) my position with County was being eliminated as of July 1st 2006. (2) Because I was losing my job with County I tried to be positive, aggressive, and proactive in finding a new job before I was let go. I Began testing in Colorado in October of 2005 and was doing very well. I continued testing for the next nine months truly believing I would be successful in getting a job in Colorado in particular with the Denver City Fire Department.  I was very successful with my testing efforts and the job was pending on passing a final background. The Start/hire date was estimated to be around mid July giving us enough time to pack move and get established in our rental home before I started my new job. (3) My wife was pregnant with our second child and was put on mandatory bed rest by her doctor until further notice due to complications. This happened in the first of May and I resigned 5 days later with County Fire to be with my wife and my two year old daughter.

It’s about mid May of 2006; I am home packing the house to move, taking care of my wife and my daughter. I continued making trips to Colorado for final testing and to look for our new home and a rental. We as a family make a trip around the end of May and put money down on a new Pulte house in Broomfield Colorado and we find a rental to live in until our house is built. My parents came along with us because they are also selling their house and moving with us. Our current home in Helendale has not sold yet and the market has dropped significantly from what it was one year ago. We decided that if it doesn’t sale before we move that we could afford to rent it out and we would be able to make up the difference with the money I would be making on my new job.

By June we are ready to move and are looking forward to this exciting new start with our lives in Colorado. Around mid June I receive a letter from Denver City stating that I did not pass the final Background and was disqualified for employment. I called to find out what happened and they said that they could not divulge any information but said that I could hire my own private investigator to find out what caused the problem. I hire an investigator and find out that we have been victims of identity theft for many years and that would automatically disqualify me from any government/public service job. I was confused and angry without any idea what had happened or how to fix this problem.

It is now July of 2006 I am now without a job unable to move and trying to figure out what to do for a job to support my family and how do I accomplish fixing this identity theft problem. I spend the next 8 months trying to fixing the identity theft problem spending over 5, 000.00 dollars of our money (not to mention the 75,000 per year lost from losing employment) making hundreds of phone calls to agencies such as San Bernardino County Sheriff, FBI, FTC, IRS, Social Security, AIG, Creditors, Banks, and many others. I have filed two dozen reports to meet the needs of every agency requesting documentation, I have also spend 8 to 10 hours a day looking for work or working small jobs like washing cars, yard work, small construction jobs etc. I have turned in over thirty (30) applications but I am unable to find work because my fifteen years of experience, diploma, and formal training are all based on the Fire Service. The catch 22 problem is I can’t test for fire departments until the identity theft problem is solved or I would run into the same problem I had with Denver City. I continue to hear the same thing from every employer, why are you here and are you going to go back to the fire service? Once I explained the problem they seemed compassionate about my problem but were unable or unwilling to hire me. Over the months we get further and further behind financially. Finally by mid January of 2007 I find a new job. The job is with Barstow Community College and is only part time at this point but I am extremely happy to be working again. Even though I am working I continue looking for full time work in the fire service.

The past several years I have been in a head on car accident with a drunk driver, lost a child, lost my grandmother on Christmas day, lost a best friend to cancer, lost both cars that we owned, my identity, a career, my dreams, ambitions, hope, peace of mind and joy. I have also sacrificed many personnel items like golf clubs, Thomas Kinkaid art collection, football card collection, collector coins passed down by family, and many other valuable items that we had to garage sale or sold on EBay to make money just so we could survive. Our credit has been severely damaged and our faith challenged. In addition to all of that I have suffered from several illnesses requiring medications and a lot of doctor visits. We experienced corrupt real-estate when we tried to refinance our home to get money to help us and instead we lost 30,000 dollars and gained nothing, that problem is currently under investigation with the DRE. We also gave up our dream to move to Colorado, a new house, a great new job doing what I love, and having the ability to help my parents who are retired and on a fixed income and were also counting on moving. My wife and I are hanging on by a thread and are tired, stressed, frustrated, deeply depressed, angry, and confused. We really don’t want to lose the one thing we have left, our home.

I totally and completely understand that this is not your problem and that you are not responsible for helping us in any way, however, I hope that you can find it in your hearts to help my family anyway possible. This is our problem and I take my commitment that I made to you very serious and we continue to do all wee can to make things right again. We really don’t want to lose our house. I refuse to walk away without trying to do everything in my power first. I don’t want a short sale or foreclosure, this does nothing for you or me to solve the problem and in the end we all lose. I am confident that there is an answer to this problem and that it can be solved. Again, I understand you don’t owe us anything and you have every right to take our home, I just ask that if there is any way possible that you or anyone else may be aware of to help us help our selves get back on track, please let me know. Please help us if you can.

As stated in this letter I am now working and my wife starts working the first of April. We are confident that we can get back on our feet and are slowly getting there. Please understand that we have lost over 100,000 dollars this past year to year and half, but we are not going to give up we are resilient, confident, humble and hard working and we are committed to make this unfortunate situation right again. We will try to do ALL we can to make this work and pray you can help us. I thank you so much for your time and consideration in regards to this matter.

Note:
 The following documentation can be provided to you for verification if you request it:

1. Police report
2. FTC report #
3. Investigation report
4. Denver City denial letter
5. Lawyer letter from working on credit issues
6. Letter from parents also explaining events
7. Letter from my wife giving her perspective of events
8. Records of financial support from our church
9. Witness of events letters from friends and family
10. Affidavit From Identity Theft 911 (from homeowner insurance)

Thanks again for your consideration, time, and help

Sincerely,

Scott Giordano
       And
     Family

Someone stole my identity and used it for credit. this person also went to prison with my name and ruin my criminal record. Now my record shows that i have felonies and that I have bad credit The results to this is that i went to jail because of this, i was about to get deported because of the other person wasnt a us citisen , im  having trouble finding employment , Im stuck at a minumum paying job. The only reason i have this job is because they dont require background checks at this company. I cant even finance a car to get around, Because of my credit and my income.
Im a hard working person that likes turning negative things into positive. Therefor since i cant get a decent job, I decided to start my own online business. but since i dont have enough  money to start the business im working real slow at it. I bought the domain for my site. im designing the whole thing by myself . I been trying to make it work since last year, but like everyone knows you need money to make money. All i got is time. But i also dont like getting free stuff. Not that theres something wrong with it. But i just grew up thinking that nothing in this world is free. I'm willing to exchange services. "You know, i scratch your back if you scratch mine".. Im a graphic designer, i could design business cards , flyers , postcards, brochures ect. I could also print your stuff for a real cheap price.
You could probably ask, If your a graphic designer, how come you dont get money of doin that?
Well, again, I cant be reliable if i dont have something to back it of with. I cant set up a meeting with a costumer and not show up, because of transportation problems. And i cant tell costumers i could do this and that, and have nothing to show for it. Thats why im building my site. So they could know I'm a serious potential source. I believe first impression is verry important. Besides , i cant afford extra time at this moment, most of time im at work trying to make that weekly check just get by.
So i belive by clearing out my record, i could get a better job, therefor i could finance a car so could get to places and be reliable. save up money and invested.

So if anybody out there knows an attorney or any suggestions that could help me please contact me.
I also have paperwork to prove everything is true, You know for those people that believe in facts.=]..
And also if you wanna see my progress on my site let me know , i'll show you..
My contact information

Sorry for not providing my name at the moment.
but from the experience i went threw you'l understand.
please contact me by email
cesmla@yahoo.com

And thank you for taking time on reading this.

can anyone out there help me i desperately need 5000 dollars to catch up some past do bills and pay off several cash advances.  My husband does not knoow about any of this and i cannot tell him for fear that he will leave me and take the boys.  I made a huge mistake in our checkbook and before i was able to catch it the damage was done,  now my only hope is to obtain the money to fix it and catch up.  I would have been able to do this however about three months ago I was let go from my job and it took me nearly two months to find a new job it is a better job with better pay but getting caught up is almost impossible.  please help

My family has recently became the victims of Identity Theft leaving us with little money to pay for day to day needs and most importantly our upcoming mortgage.  I am currently working and my husband is looking for work but without our much needed nest egg we will not be able to pay our mortgage due in a few days.  I am a very proud person and hate asking for help but losing everything we have worked hard to get is not an option I want to consider at this time.  We should get a portion if not all of the money stolen from us back in 60-90 days after the investigation is completed by the bank and the retailers affected by it.  I hope to repay anyone or to pass the charity on to someone when we are once agin on our feet.  Any help is appreciated by my husband, children and mostly my self.  Our mortgage payment is due on January 1st and is $1500.00.

I am a cancer survivor and a heart patient. I am retired and on disability.  25 years ago I had a good job, owned my own home and had 3 wonderful kids. 24 years ago I met and married a man that literally destroyed me and my family. He was sauve with a southern charm that was irresistable. Within a few months of being married; he convinced me to sell my home and use the money to move to another state. After moving, drastic changes begin to occur.

My new husband couldn't seem to hold a job. The money from the sell of my home was spent and we ended up living in our car with 3 kids. I should have seen the light then, but, the thought of being alone again pushed me to try and stick it out. Within 1 year we had moved 9 times and mainly lived in shelters. My kids had to wear dirty clothes and go hungry.

He found a job working on the boats and we ended up settling in Florida. Shortly afterwards he became abusive. He started out being verbally abusive and it quickly turned to physical abuse. I lived in constant fear because he beat me and put knives to my throat. I was on disability... afraid... and nowhere to go... so I took the beatings.

Later I was disgnosed with Parkinsons and placed on disability. This enraged him as he now had a wife that was a burden on him. He became more verbally abusive. He would come home and immediately begin the name calling. He would tell me I was worthless and suggest I kill myself. He tried to convince me I was losing it and should check myself into a looney-bin. He had me on the brink of suicide. He convinced me I was a burden to him and my kids and the world would be better off without me. I lost my self-esteem and will to live. This abuse continued for 19 years and I 'm not sure I'll ever recover from it.

In 2000, he left me for another woman. They're living high on the hog and I'm struggling to get by on Disability SSI and my retirement check. My daughter recently convinced me to try and buy a mobile home; so I could finally have a place to call my own. I applied and was denied. When I asked why I was denied, I found out my ex and his new wife used my social security number to purchase items and then not pay for them. In a nutshell... they destroyed my credit. They stole my identity. My kids are trying to get my credit straighened out. The credit bureau said I had to prove identity theft and that could take years; and I just don't know if I have those years.

I am asking for enough money to buy a small used trailer. I don't much money left from my disability check after I pay my rent and utilities. My rent is $350 a month... lights average $189... water $35.... phone $40. I get $634 a month to live on. That leaves me $20 a month ($5 a week) for household supplies, shampoo and toilet paper.

This isn't how I pictured my last years on earth. I am in my middle 60 and I look like I'm in my late 80's because of the stress and breakdowns that I've had to endure with my ex-husband and the illnesses I have. By the way, he caused his new wife to have a breakdown also. She filed a restraining order against him and has filed for divorce.

Could someone please help me. . I just want to be happy in my final years.  A used trailer can be bought for $3500 or less. I realize I shouldn't have sold my home. But I was raised to believe marriage is forever and the man knows best. Obviously that isn't always true. Please help me to get back what was taken from me. Please show me I can trust people and there are still good people in this world.

To my horror, my identity has been stolen. They wiped out my bank account, taking everything I had.

Everything is such a mess. The checks for all of the household bills have bounced. I've never had a check bounce before.

My bank has been as unhelpful as possible. Had they stopped the theif when I brought the first charge to their attention, none of this would have happened.

In the meantime, my mortgage is now over 50 days late. My heat, electric, water, and telephone are all on the verge of discounnect.

I'm disabled and only get a check once a month. But I fear I'm never going to be caught up from all of this.

This "person" has already done over $1200 worth of damage.

I just want to keep my home and keep the power on.

I could make payments on a small loan if someone is just willing to help me out. $900 would pay everything until I can get this mess straightened out with the bank. I can give referrences or what ever you need.

I can be reached at ravensangel@yahoo.com (this is also my paypal account address).

Thanks.

I need help. I am a single mother of two children and I just lost my job due to helping my grandmother. My grandmother took sick after my mothers death. I took on taking care of my grandmother. She came to live with me in charlotte, from NY, so i can take care of her. I have had to rush her to the hospital a number of times and lost my job during this time.  My grandmothers health is undercontrol now and I am looking to get back to work but now I have anther problem. I am back on my rent. I have tried to take out a loan and was scam and lost a large amount of money. I am a photographer and I was trying to get a loan to purchase equipment to photography some of my customers. I do have customers but I don't have the equipment. I also need to get to NY to remove my grandmothers things from her apartment in NY. She is still paying rent there. I don't know what else to do at this point.

Feel free to participate in this public group space.

Two easy ways to do this:

1. Add a comment or a question here - on this page... or on any other page in this space.
   
2. Or, if you want to start a separate thread - make a new page.

Either way is good - the important thing is your participation. On Aidpage, people support each other by speaking out and by paying attention to each other - as simple as that.

Feel free to participate in this public group space.

Two easy ways to do this:

1. Add a comment or a question here - on this page... or on any other page in this space.
   
2. Or, if you want to start a separate thread - make a new page.

Either way is good - the important thing is your participation. On Aidpage, people support each other by speaking out and by paying attention to each other - as simple as that.

Feel free to participate in this public group space.

Two easy ways to do this:

1. Add a comment or a question here - on this page... or on any other page in this space.
   
2. Or, if you want to start a separate thread - make a new page.

Either way is good - the important thing is your participation. On Aidpage, people support each other by speaking out and by paying attention to each other - as simple as that.