Complaint Review: www.unico-invest.net

I would like to let you know about a wide spread, calculated and international fraud commited by www.unico-invest.net, www.epay-payments.com and  www.virex-enterprises.com Beware of these websites and do not have anything to do with them as their aim is to steal your money. I am a victim of a Ponzi Scheme run by them in which I lost in total $ 20.000.

In February, 2012 I invested $ 10.100 with a company called Unico-Invest (www.unico-invest.net). I was persuaded by them that it is a great and safe way of making money. They told me that they are a Private Investors Club and make money through forex trading plus there is no risk of losing the invested money due to existing Compensation Scheme which would refund invested deposits in case the company goes into administration. The investment period was 12 months. Interest rate which was agreed to be paid by them was 15% monthly. According to the compensation scheme money deposited with the company shall be refunded over the period of 24 months from the day of company going into administartion. In each month investor shall receive 4.48% of the amount deposited, so that by the end of 24 months period, they have back full amount of money deposited plus 10%. The business was based on sponsoring a new investor, which means that anybody who wanted to get into system of Unico-Invest had to be registered by a person who was already in it. I was introduced to it by one of my work colleagues.

Unico Invest has its own payment processor called EpayPayments (www.epay-payments.com) that allows to make payments through the internet. In order to fund an account in Unico-Invest or withdraw money from it, investor had to open an account in EpayPayments, which was directly connected to Unico-Invest. In order to invest with unico-invest investor had to fund the account in EpayPayments first by either purchasing dollars from the existing members of the business who wanted to sell their dividends or fund it via payment processors such as Liberty Reserve or Perfect Money. Next investor had to transfer the money from the account in EpayPayments to the account in Unico-Invest.

In March I was informed that all investors must apply online on the www.smartycash.net for a bank card Mastercard SmartyCash which was to be directly connected to EpayPayments and used for making withdrawals from the account. Once an issuing fee of EUR 80 was paid, the card was sent to me. It came with a document which shows an address in London ( Suite 614, Regent House, 24-25 Nutford Place, W1H 5YN, London, UK)

In accordance with the agreement of investment the first dividend was to be received on April 1, 2012 and the next one on the first day of each month up until the 12 months investment period expires. Therefore I received dividends for the next 3 months which were April 1, 2012, May 1, 2012 and June 1, 2012.  Subsequently in May 2012 I invested more money based on the fact that regular interest payment was made by Unico-Invest uptil that time and further reassuerd by them. The second investment was 13.987 $.

On the day of July 1, 2012 the dividends from both investments were shown to be paid out in Unico-Invest. I transferred them to my account in EpayPayments. That is when problems started occuring. The first sign of it was an inability to withdraw dividends from EpayPayments outside. After many attempts the money was always returning to EpayPayments. People who introduced me to the business were explaining that this is a temporary problem and things will shortly be back working correctly. On the day of August 1. 2012 we did not receive promised dividends from the company. The website of the company was unavailable for about 3 months. We could not log into our accounts in Unico-Invest and EpayPayments. When asked about the situation they told us again that the problem is temporary. They stated that the company's bank account has been blocked by authorities and it will take some time since there is a long procedure of opening a new one in a different bank. However they later assured that it is just a matter of time. In November, 2012 after 3 months of having no access to our accounts on the websites, we regained it. At that time I was sure it was a sign that things are going to work properly again. Despite of being able to log in to our accounts in EpayPayments I still could not withdraw my dividends that were paid out in July 2012. I also was not receiving monthly dividends as per our agreement.

In January, 2013 the information given to me was that Unico-invest changed its strategy. Now to get our money back from Unico-Invest, investors must register online with Virex-Enterprises, (www.virex-enterprises.com). It is another business probably of Wjatscheslaw K. that specialises in financial trading but there is no Compensation Scheme in it and investing with it means that there is a huge risk of losing investment. I was told that once registerd  with Virex Enterprises, my account in Unico-Invest must be verified by typing an account number received during the registration process in Virex Enterprises. By doing so my dividend received in July which I still could not withdraw was to be automatically transferred and deposited in Virex Enterprises where it would be making profits until the time the full amount deposited first time in Unico-Invest is reached. Extraordinary. They were using a dramatic situation of investors and encouraging them for doing it and also depositing more money from outside, argumenting that it is the only way to get invested money back.

After considering all aspects of the matter I decided not to register with Virex Enterprises and not to verify my account in Unico-Invest. Investors who did not verify an account in Unico-Invest with an account number in Virex Enterprises were cut off from the key information regarding their investment in Unico-Invest. Now after logging in to my account in Unico-Invest I find there only information about my personal data and account number. The aspect of Agreeement, Compensation Scheme and the size of my investment is not visible to me any longer. Investors who registerd with Virex Enterprises and invested money with them  lost them.

I only reailised in April 2013 that things went in a wrong direction with my investment in Unico-Invest and that updates I was given on the situation were incoherent and false. I started having this feeling that all these information which I was given earlier was an attempt to buy time from me. I invested in total $ 24.095 with them. Out of that amount I received back in total $ 4.500 which was paid out to me in 3 dividends up until June 1, 2012. In July 2012 Unico-Invest stopped paying out monthly dividends. The agreement has been breached by them. The Compensation Scheme still has not been activated. There is no contact whatsoever with the company and the one there was had been very misleading.

Having conducted own research about my investment with Unico-Invest I determined that I unknowingly took part in a Ponzi Scheme on an international scale. Unico-Invest had been run for about 5 years, commencing in 2007 and disappearing in July 2012. The scheme was run for sure in countries such as; Poland, Germany, Russia and certainly many more. Unico-Invest was introduced to Poland by Mrs Giulnara J. who is a right hand assistant of Mr Wjatscheslaw K. ( he is probably the owner of Unico-Invest). There are many victims of unico-invest. My second investment for which I opened an account with in May 2012 had an account number 127xx. The business was paying dividends up until July 1, 2012, therefore the number of existing accounts is higher. According to my knowledge investors who had an account number over 7000 fell victim of that ponzi scheme. In total we are talking about thousands victims across Europe and millions of pounds involved in this money loundering scheme. There is a big probability that Unico-Invest had bank account in countries such as Cayman Islands, where the money was transferred to and hidden.

Wjatscheslaw K. opened many business in the UK behind which were run Ponzi Schemes or other illegal financial investments that were taking money away from innocent and deceived investors. The organisation of these Ponzi Schemes and financial investments is very complex and aims to make it difficult to detect the fraud that is commited. He uses the names of registered businesses in the UK that are very similar to the names of his websites's companies and fools investors by assuring them that behind these websites stand legal businesses.

The website under which Virex Enterprises runs is www.virex-enterprises.com and fraud is commited not only there. To mislead authorities and potential investors the company on its website use the name ; Virex Enterprises AG and the address; Suite 614, Regent House, 24/25 Nortford Place, London, W1H 5YN. This address contains deliberate spelling mistakes and does not exist. 

Please, keep away from investment programs that are run in a similar way. Always do a proper research about the company you are investing your money with.