Complaint Review: Capitol Merchant Services - MBF Leasing/Electronic Payment Systems - Murray Utah

I wasn't thinking. And I wasn't using my head. I admit that I should not have submitted my phone number or email address. I was under a state of duress about being ripped off and about some other personal matters in my life. I do remember reading instructions earlier that we should not submit any such personal information, but I forgot about it. I read the reasons that these things should not happen and I do understand that I should not have done it and will not do it in the future. I'm glad we have this information to refer to. I might let you know in the future specifically just what is happening with my case, which is under investigation, but I want it to come along further before I share any more information about it. Being under a state of duress is no excuse and it was wrong to do it. Anyway, some head way has been made on being scammed and defrauded by Capitol Merchant Services, Electronic Payment Systems, and MBF Leasing. I have been reimbursed for all but something between $82 and $91. We are working on that now. I have also reported to the FTC and the IRS and have read the newest Rip Off Reports concerning this case. Again, I repeat, I will not submit my phone number, my email address, or my address again. And I do owe an apology, so I am not offended because that part of my report was removed. I thank you for doing it.

There are about three points I would like to make today. First of all, MBF Leasing raised its prices on me when I received another Postal Mail billing on April 13th. It toughens and changes its standards, each time, to fit its greedy mood. But never are they fair and I believe their standards are in violation of the original contract I signed, before it was taken to the Murray office for modification. Capitol Merchant Servies ensnared me to take their promotion deal and sign up for it upon threat to raise its prices after Christmas. They made me think and led me to believe that the contract was binding between me and CMS only, and that we both had an obligation to comply. They may have mentioned the other company which I thought at the time would be based in Utah. The point of the matter is, CMS just left me at the mercy of MBF Leasing on a blank contract that was deceptive, because it appeared to be legitimate but was not, and so consequently, I was not told that MBF Leasing would be under no obligation to honor the contract. They apparently were not under any obligation to honor the CMS contract which I'm sure was contrived and/or conspired. That is another way that CMS deceived me. CMS not only lies about its obligation to provide Customer Support and about what prices we would be charged on monthly bills, but it also did not alert us to the fact that once we are turned over to MBF Leasing, they would also be under no obligation to honor their side of this "binding" contract. They are therefore, through CMS' cooperation, free to lie to its customers about raising prices, not just monthly, but weekly as I have demostrated in past reports. No wonder CMS was never up front with me. They surely had something to hide and they did a good job of it until we all caught on and lost some of our money. Andrea from Sandy contacted me via email yesterday and she suggested that we get together and send each other on this case our email addresses, so that we can be in touch with each other. I think that all of us got a really raw deal. I think Andrea's ideas are really good that we should all be in touch. I was out of the office for a while yesterday, and by the time I got around to answering her letter, it was rather late in the day. But hang in there. We will stay in touch. Just reply back when you get time and leave me a message and phone number and I will get back with you, Andrea. I have a problem with my phone service. My business is online, because I am now an Omaha Steaks Affiliate with the Link Share program and have been given permission to earn a commission through their affiliate program. Many of those paid to click programs are ligitimate, I believe, but you have to shop around and be sure you get those programs that are legitimate. I have many online stores and I am building up my online buisness and you are welcome to see what I am doing at any time on I hope I am being honest and I am not afraid to say what I am trying to do. So do feel free to check it out, if you like and let me know what you think. My buisness proper is a transicription business. I am a ghost writer for a woman who wants her story to come out about her life struggles and how she has worked to overcome them before she passes on which could happen before too many years pass by. We hope to be able to get a book published for the public so that they can see the pitfalls of a dishonest society and also how the human spirit can overcome great obsticals in their lives. I am also hoping to get it made into a movie, because it is a really moving story and I think will be a great benefit to society. So I am writing the screen play, first, if I can find us a producer and then the book. I am also helping a friend with her court papers, who is on wellfare and needs my services free. She assists me in legal matters which it seems that many of us must deal with today, like this case we are involved in now. We must take a stand against crime and fraud (which is crime), because if we don't, it will only get worse and more people will be vulnerable and victimized and more lives will be ruined. Also, my business offers a travel service to Yellowstone, via bus, when I have built a clientele. I have not built up a clientel yet, and so the online stores (with the affiliate permission) should help out considerably. At least, I hope so. Then I have a separate web site for my foundation that assists some ligitimate Yellowstone organizations with funs and also provides relief for disaster victims on the side. My web site visitation is now growing by leaps and bounds because I offer other products and services to my customers, besides just my fledgling business. I am a "people person" and I believe that is I can make a difference for the good of humanity, along with earning a living and staying off the welfare rolls myself, I will have done something worthwhile with my life while waiting for a future marriage that might happen. But we cannot go on what "might happen" at some point in the future. We must prepare for all contingencies. People wonder why most small businesses go belly-up. One reason is getting entrapped in bogus deals, like the fraudulent companies we are dealing with, and then there is no money left to make ends meet, let alone keep our web sites and businesses alive. Society consequently suffers and is also cheated. Anyway, I can only afford one modem, and so I have to get off line to call friends, family, and for my personal affairs. So I am hard to get in touch with right now. Also, I have staid online to keep MBF off my back and frustrate their efforts to pay them. I will not pay them. I do not have the money, but if I did, you cannot send cash in the mail. You have to send a check, give credit card, or bank information, and sometimes more. I will not do that because they could use it for personal purposes, then your money would disappear and you may not ever find out where it went. They also have the gall to want to know my bank branch and I won't give it to them. That would be like knowingly sticking my hand on a hot burner, knowing I will get burned. MBF could also pass on your checking or bank information to "who knows where?" without your permission besides spring on you an unreasonable late fee and price raise and then your lease cost could go up two to four to even ten times the cost you agreed to on the contract, and then where would we be? In the hole! So this has got to stop. I talked to Steven at the State of Utah Department of Commerce Division of Consumer Protection. Andrea from Sandy gave me the number to call him. I found him very nice and very helpful. He said that I send him a copy of the very lenghthy, nebulous, and complicated contract that was originally a blank contract, as already explained by several of us. He also said I should send him copies of the bills from MBF and our bank statements and all pertainent information like that, along with filling out the complaint form, we can get online. I had a pleasant experience visiting with Steven. Because my phone is tied up, Andrea may have tried to call me. I apologize, for making it so difficult to reach me. I wish there was a way to shut MBF off from calling us. Everyone, please, if you feel comfortable doing so, just send me your email addresses and also phone numbers, and lets all stay in touch. Andrea has graciously offered assistance to me since we both live in Utah. She has some bountiful information, but I will leave it up to her to choose whether or not to publish it on this report or not. But it is very helpful to me. MBF now wants $459.89 from me by May 1, which I will not send. Have any of the rest of you been sent a bill via Postal Mail? Every time they slap a price increase on me which is about four times what a monthly cost would be originally, plus a $15 penalty for a late fee which I don't know if it means every day, every week, or every month, plus on top of that, a $5 service charge for sending the bill notice and letter and remittance form and return envelop. Wow! I don't even know what MBF means to slap on me next! This feels like being under the lash of a bondsman, or under the lash of an Egyption task master which is modern day bondage. That is an understatement. I also called the IRS to file a Criminal Complaint Form. Just get in touch with the IRS and ask to talk to their people who deal with criminal investigations of Fraudulent businesses. I should get the form by next week. I also plan to file with a Small Claims court as Andrea says she has done. I will file in Davis County and try to make my appearance at least by sometime in June. Andrea has asked me to testify for her, which I will do next Tuesday, if she can help with the cost of gasoline. My friend Helen will drive me to Draper to make an appearance, if our meeting comes about. But the cost of gas is going up, so I will make the appearance if I can. What a time for the oil companies and cooling companies to spring price hikes on us! Well, this is what I know to date. Botton line, MBF refuses to budge, which is driving them even further into the hole with their credibility. They should vacate their insistance that their lease is binding. If they are smart, they will do it to save their reputation which is already one of ill repute and getting worse by the day. I suggest that we all do all of these things, if we have not already. I hope this has helped. Please feel free to send me your email addresses and/or submit them on an update on Rip Off Report, and if we are not able to afford to keep in touch by phone, at least please keep in touch by email and we need to shut CMS and MBF down and any fraudulent company or bank involved. We need to make our leases non-obligatory and collective not send them one more dime, besides demand our money back in a small claims court which costs about $45. That might cost us the $45 or so, but it will be a small sacrifce compared to being bound to fraudulent companies who did not keep their side of the contract and lied to get our business. I will do right now what I am asking you to do. I will send you my email address. Please contact me at: My phone number is you can get me which would be sometime between 6:30 or 7:30 PM MDT. I suggest that you email me first and then we can arrange a phone appointment, if necessary. I will not ask anyone else to do something I am not willing to do myself, so you have my blessing and if I can be of help to you, then that will be my pleasure. We are throwing our money down a rat hole which may even be a much larger crime ring, as I explained in an earlier update. We are losing our money to crime and to aid and abet crime. This is ruining our lives and our economy, or at least plays a big part in it and is ruining the lives of many people outside our scope. This is what I have up to date. CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

First of all, thank you for sending me my copy of Rip Off revenge. I have found so much useful information. I am working at home and don't have a car, but I will try to do the best I can in following through with the instructions. I wish that the companies were all located in one state and not spread out all over the country. It would be easier shut them down, I think. I want to make it plain that I am not afraid of MBF Leasing or any of this Scam Triangle because they are so ridiculous that they will eventually get caught in their own snare sooner or later. Secondly, there is nothing in my office to lease now. I sent the credit card machine and electronic check machine back to Electronis Payment Systems. I sent it back the very next day after I closed out my checking account at the credit union. It cost me over $18.00 to send it back certified mail, so that is another expense I have incurred from these thieves. I have kept my part of the certified mail receipt. I never got a statement in the mail back from EPS that you usually get when you send it certified mail. They just called me and said they would put it back in stock. I should also receive a receipt from them saying, by mail that they received it. There is something wrong when you don't get that receipt sent back saying they got it, even if they called me. I have not gotten any money back from them, either. Third, I wonder just who got my name and referred me to Capitol Merchant Services who contacted me first and got me into this trap? Was it because they got me of a list of registered small businesses? My friend, who understands the ropes of legal matters and businesses told me that it may be someone in my area in Utah gave my name and referred me to Capitol Merchant Services. She mentioned that it may be that someone who is vindictive toward me may have sent them the referral. I don't know about that except the girl who set up my machine said she know my niece and nephew. I hope that isn't true that someone locally had something against me. If that, in fact, happened and you know who you are if you happen to read this report -- shame on you, if you did it maliciously or have a vested interest with CMS! If you were as ingorant as I was in getting myself into this trap, then be ignorant no more, you got me into a scam! So I hope that nothing like that happened, but I would like to know where in the world someone got my name. I would like them to come out of the closet, if it was a referral from someone who knows me. If not, then I would guess they are scouting lists of registered small businesses to pray on, and that may be one reason why a lot of small businesses go belly-up. Fourth, what in the world are the CMS, MBF, and EPS Triangle doing with the money they scam off of people? Are they making an easy living by panhandling our money and preying off our bank accounts and living plush lives while they lie to get our money from us? Or are they also supporting some cause or group of people that is up to no good? There are quite a few illegal groups that steal people's money such as the market for trafficking child pornography that I mentioned the other day. I have heard that even Polygamy groups are not above this kind of scam. There could be drup peddlers. The list could could be very inclusive. But whether this is true in this case, or not, sponging off people's estates or hard earned money or bank accounts is not way to earn a living. They should just quit what they are doing and get a real job and work hard every day for what they are paid. I know that we would have to prove that these three are dealing in some kind of a dark trafficking finacing vested interest, but either they are living on plush bank accounts, maybe even through a bogus bank or else they are still living plush lives and are also helping some group that is now underneath the radar. They may even have a vested interest with such a group. Were it not cost effective for them to do it and were it not earning easy bucks, I doubt they would keep on doing it. Fifth, I did not want to keep the credit card and electronic check processing equipment because it was inadequately programmed and they left me hanging there without ever intending to come back and complete the training. I called them several times. They always lied about someone coming out, and the girl that tried to be helpful (who said she know my niece and nephew) was always told to hurry back to the CMS office in Murray before she could even finish the training with me. CMS always said they would send someone back to my home, but every time they promised someone would come out at a certain time of day and made the "appointment" with me, no one ever showed up. When I called the next day to try to find out what happened to the person, there was always some excuse -- not enough people in the office, they didn't know where this or that person was, they said that they would try to find Keith Day whom they said was their boss and "he was somewhere in the building" but they had a hard time finding him most of the time, someone was sick, someone had to drive to Colorado to help set up a machine for someone or something like that, someone had a family event. There were often long hold waits on the phone, and once after a very long wait when I was trying to tend to something in the microwave or on the stove, they just hung up on me. CMS sounded friendly, except they had a silly teenage girl, who giggled under her breath, one afternoon, and something never quite added up. The man from MBF Leasing was simply rude and bullying sounding. Now, maybe this stalling and failing to show up and the excuses why they never showed up to finish the training would happen once or twice, but this went on time after time after time for nearly two months. I knew something was wrong after about the third time of such stalling. I am afraid that the equipment was also programmed or set up to give any money I might make from a trip or from my foundation to them so that it would never reach its destination. I sent the equipment back so that there would be nothing left in my office to lease and also, and very important, because it was likely set up to steal the money from the people who would have paid me. It is a good thing I decided to send the only $50 I received so far in four months of having my foundation on my web site to deposit it directly to the bank, because if they had come and finished the training, I doubt that the $50 would have ever gotten to the account I set up for my foundation, because they equipment was probably set up to send it to the Fraudulent Three Triangle (CMS,MBF,EPS). Sixth, I have had harrassing calls from the MBF Leasing Company telling me to call them and settle the issue of why they are not getting paid (in other words to pay by phone). I have only one phone line and I just turned my Internet on all day long today from about 7:AM MDT and it is still on now at about 10:45 pm MDT. I did this for two reasons, because I wanted to have time to update my online affiliate stores with a supposedly legitimate company that lets you put their ads on your web site and then if you make a sale you get a commission. I have yet to get a commission, but hopefully, I will start seeing some paychecks pretty soon. This company (which I may disclose later, if necessary for the case) did not call me about setting this up, which calling is a tale-tell sign of a scam. I contacted them first because I was looking for work to help pay for my web businesses and I need a job to make it pay for me. There are a lot of legitimate businesses you can affiliate with. Anyway, I did not want to hang up the phone today and expected no calls from family or friends, and I have dial-up on AOL, so I just left it on all day long to do my work. Sometimes it takes ten or 25 minutes to log into my AOL dial-up service and until I can afford more than one phone line, it is just an inconvenience I have to put up with, but it is frustrating when you wait for the dial up to go through, and I don't want to switch to DSL until I have a lot of money to pay for it, as convenient as it would be. MBF never got an answer from me because all they wanted to do is argue with me when the "I suppose big boss" called me the first day. You have already read about this in a previous report. By my staying online, they cannot reach my by phone and take up my time. Also, I am afraid if I call them that they will ask me a trick question that will force me to give information it would be better they don't have. They are apparently trying to figure out a sneakly way to get my money from me one way or the other. Seventh, I got two letters from them demanding their money. Only a couple of days after I closed out my account at my credit union, they wrote a first billing letter demanding their money for the lease. But they did not ask only for what was due in April. They sent the letter a few days later with no signature, just the name of the leasing company and they doubled the amount due when it was only a few days late. This stinks and I think it is very dishonest. Besides, they never sent even an envelope to send the bill back in. Some companies don't, but if a leasing company were really professional, they can afford a billing envelope. Of course, I haven't sent them anything back yet and I never gave them my bank or checking information. Well, last Friday for the second time, I got another letter from them tripling the amount due on April first and I expect to get a fourth letter, at least quadrupling the original amount due for April. Now, I was not aware of anything like that on the contract. At that rate, I would be paying them nearly $6000 at the end of this year, not what would have been about the amount in the 48 month period which is outragiously expensive, as is. But at that rate, about four times the original amount agreed to on the lease, I would end up paying them nearly $24,000 just for the lease after the 48 month period ends and I was not told adequately what to do with the equipment at the end of that period. Had I kept the equipment, I would have gotten absolutely nothing for my money, and who knows whether or not the machines were bugged in some way? It certainly is not far-fetched to suspect that the machines might be programmed to steal money from our customers, besides being flawed machines. These people cannot be trusted, so I would get absolutely nothing had I kept the equipment. And my reputation would have gone south, because my customers would be paying the Fraudulent Three, not the accounts set up for my businesses, and certainly not paying me. Eighth, it was Capitol Merchant Servies in my state who started this whole thing. They later told me, after they had sewed up the contract deal with me, that they would have nothing more to do with MBF Leasing, but were going to go in with another leasing company and I would just have to fend for myself. They said they dropped Field of Dreams web site builders and they put them with me to try to sell me more web sites. CMS promised 5 free web sites with Field of Dreams and they actually talked to me, but I have two very good and very expensive web sites where I am trying to earn my living from, as desscribed. I certainly don't need five more. If I had gone in with them I the free web sites promised me would have ended up costing me $5000 and I might or might not ever get the web sites, that I said I didn't need, anyway. Boy, I wish I had been put on the Do Not Call List a long time ago and I wish there were a way to keep these fraudsters off my phone. I understand that people who have done business with us are exempt and will remain on the list. I wish there were a way to get a restraining order on them and keep them off the list. CMS is not even listed in my state. He does not have a registered agent here and the Head resides in Colorado. I gave you the address, I think. Here are the phone numbers of MBF Leasing and also the address where they want our checks sent. They actually billed me and they are raising the amounts by the week. I wouldn't trust them not to pull more tricks which I would not put that past them, and even raise their prices higher. This was not on the blank contract I so naively agreed to sign. The addresses and phone numbers are listed below: MBF Leasing, LLC New York, NY 10001-3405 ADDRESS SERVICE REQUESTED CL-0495006 The second letter (a bit more intimidating) was generated or typed on April 6, 2006, and was mailed from zip code 10190 on April 11, 2006. Their phone number is said to be Toll Free at 1-888-607-3607. They want me to call them which would just waist my time I am spending just trying to stay off the welfare rolls. The letter demanded that I give them my credit card number, but I don't have a credit card, thank goodness! They wanted me to check the brand name of the credit card, the expiration date, the Security code, my signature. They also demanded that I give them my bank name, my account number, and my routing number, which I will not give them. Here is the address that MBF Leasing wants me to send them money that is now -- according to them -- not a monthly lease fee, but it has morphed into a weekly fee. Anyway, here is the address that the money in the bill will go to: MBF LEASING, LLC PO BOX 1027 SIOUX FALLS SD 57101-1027 The letter says that they "may have tried to reach me by phone at your home or business, we "may have left several messages". They know they tried to reach me that way, so there is no "may have" about it. I won't lease ever again anything unless, if I get married, my husband makes a decision to do it, which I doubt would happen. But even with a legitimate lease of a car or a loan on a home, I doubt that they would double, then tripple, then quadruple, etc, the amount past due. They, might, at the end of a 30-day period, or something like that, charge a five dollar or ten dollar late fee, but not the amount MBF had charged me. That just does not add up and it just is not credible to me. These people not only make debt possible, but they create and increase debt, which I did not authorize them to do when I signed their bogus contract. I told the man when he called me why I would not pay them any more money. I told him that I think I have been scammed and that the equipment was fraudulently programmed (at least I think I told him that), and that CMS did not follow trough with their part of the contract, the training, and that they lied to me. I told him that none of us knows for sure if we will even be here in four years. I told him that I would not pay MBF Leasin any more money. I told him that they were said to be fraudulent but I did not give out any names. I did have that conversation on the phone before they sent in their automated you owe us money phone messages. His very arrogant and argumentive excuse was "you signed a non-cancellable lease" and "you have to pay it, not matter what". I told him that I did not understand what I was doing and that it was not adequately explained to me. He said I should have read the contract before I signed it. But it was a blank contract and I was not given time to think about it and I was not given a enough time to see what I was signing. The sales rep. who brought the contract to my house, said I have to hurry and get this back to the office today and there is not more time or something of that nature. I am not even sure that the address in South Dakota is not some kind of a hole in the wall operation that is up to no good. I know that the billing address is often different from the bill is sent from, but this situation is so ridiculous that it is simple beyone the pale. They also want me to pay by phone is another reason I will not call them. Shall we send them a letter in writing, or is what I told them on the phone enough? They won't take "No" for an answer, but I won't pay them any money, because even if the contract were legitimate, which it is not, I will pay them because the way they are going about it cannot be trusted. They already stole more than $200 from me the first month that hasn't yet been recovered because I waited nearly three months to discover this is a scam. They still have that money. I hope I can get it back. Now they are raising the cost by leaps and bounds. But I will not pay them another cent, not even a wooden nickle.

For the record and for investgatory purposes, I would like to file the following update: I had hoped to hear or read on this case more updates from others or more comments, however, several of you have pretty well corroborated what I have said very well and possibly also what I will say today. I just keep getting insights that I feel that I cannot afford to let go by. I hope that soon we can soon get CMS, MBF Leasing, and EPS indicted, convicted and brought to justice so that the complaints we have stated against these companies cam bring them to justice and we can get our money back from them. We need to investigate, or have legally investigated, a couple of concerns I will state below about what they scams help to finance and if they are a part of a franchise who refers potential customers who turn out to be victims which would further corroborate our case and strengthen the evidence against the three companies hitherto alleged. How many other people have been hurt by them, I do not know, but I dare say that all who may have been hurt may very well be afraid to come out of the closet about it. They fear reprisal but the only way for evil to triumph is for good people to do nothing and silence portends condolence. If you are not on your local and the national DO Not Call List which automatically puts you on your local list, please do it today. If someone calls you over the phone to sell you something, you can be pretty sure that 99 and 9/10 percent of the time you could be very well facing a scam artist. Every company, legitimate or not, should be put on notice that we are wathing. There are a few companies who may very well be seeking your business on the phone, but not very many. You are safer to have to seek out the companies yourself. I did not learn that until this snake bit me pretty badly first. I have a sneaking suspicion, but of course, a couple of implications and ramifications would need to be investigated, looked into, and reported. Please see below my suggestion about connections to a much larger crime ring that is in cahoots with such companies as the ones who lured us into the contracts we signed and also about vested-interest franchise referrals. 1- Colorado does not have a strong enough law against credit card predators and their dealing with the child porography industry. Saturday morning, as I may have mentioned before, C-SPAN had on a re-broadcast of a hearing on trafficking in child pornography and their perpetrators which incite and lure children into child sexual molestation, and then severe child abuse (no child abuse is justified)and probably have even been instrumental in the murders of some of these innocent children who are either abducted or somehow lured into these "child porography clinics". All children are innocent to begin with and are pure to begin with. Some credit card companies or bogus credit card companies have reportedly aided and abetted this most unthinkable, heinous, and insidious crime against humanity by financing these child pornography trafficking rings. Sound in some ways like the Maffia? Anyway, the state of Colorado where the head of Capitol Merchant Services resides and also where EPS is located, and I believe even maybe one or more of the offices of MBF Leasing, does not have a strong enough punitive law against the financing and trafficking of child pornography solicititation via the Internet, the Postal Mail, and the telemarketing industry. The Colorado state law currently considers the above credit card and child porn. trafficking crimes a mere misdemeanor, and not a major felony, so this enables the perpetrators of the crimes to get away with it with impunity, which is grossly unfair to the children, and which perpetuates the crimes. So what I am wondering and what I assert it this: I think the big three credit card interests -- CMS, MBF, AND EPS -- who have dealings in Colorado and other states, should and must be investigated to find out if they are associated with the child porography industry. I think we need to know what we were unintentially helping to foster and perhaps finance in order to strengthen our case against them. Of course, they will deny it, but it is out there because of a case that is already pending concerning the financing of child pornography trafficking and the money has to come from somewhere along with lining the pockets of the co-conspirators, whoever they may be. There was one report during the hearing I listened to this past Saturday that talked about a six-year-old girl who was somehow lured by adults excited by the porography images, abducted I would guess, and then put into a cage, beaten, feces and urin not cleaned up in the case where the child was held, and she was also tormented such as being spit upon, etc. There is even evidence of some of these children being tortured and severely abused in other ways. That just tore my heart and my guts out, frankly, all after hearing that the child was sexually molested first! There are no words, absolutely no words to adequately describe how upset this makes me! No words at all can I find. But I smell a rotten rat, not in Denmark, but in the State of Colorado! Frankly, I had an evil feeling when I looked at the plastic white credit card ring to use with the terminal that CMS failed to give me the promised training on and do it right away. I also was given two very large plastic credit card replicas, Visa and Master Card to put up on the walls of my office. They felt like idols to me. I didn't do it. More about that in another report. The fact that CMS company head resides in Colorado, but is registered in my state of Utah and in who knows how many other states besides the ones some of you have mentioned, and that Colorado has such lax punitive laws against these rascals (or maybe I should say scoundrels), and that the penalty is only classed as misdemeanor punishment level and not felony, or worse, and the child pornography rings are financed by some credit card marketing (and maybe racketeering) interests and thus prostitute small businesses for their money, to me, does not pass the smell test. Again, I reiterate, this does not pass the smell test! To think that I, involuntarily and unawares, until now, may have helped to finance the molestation, abuse, and even murders or destruction of little children or children of any age or human beings, for that matter, is unthinkable to me, and this crime, if found guilty,is simply inexcusable of these companies and hard to forgive in this life or the next! We, who were scammed are not hard to forgive, because we were lured, too. We were promised great benefits, we were trapped. We were just trying to do our jobs to stay off the welfare rolls. To me, this conspiratorial crime of credit card and merchant servies fraud and possible connection with trafficking in child pornagraphy, molestation and abuse, is an unconscienable form or terrorism and who knows who is cahoots with these crime perpetrators? Whether or not those of us on this case believe in Jesus Christ, Jesus aptly stated, "Suffer the children to come unto me and forbid them not, for of such is the Kingdom of Heaven, and Jesus also said that "Whosoever offend one of these little ones who come unto me and beleiveth in me, it would be better that a mill stone be hung around his neck and he be cast into the depths of the sea!" I cannot state too strongly my sense of grief and my indignation that such people could be so inhuman, so viscious, so greedy as to foster this abject abuse of children, and it should not be going on anywhere in the world, and certainly not in America, the land of the free and the home of the brave! White Collar crime that robs us of our livelihoods and my credit union account was bestowed upon me from my late mother and I am living on it while I am trying to earn a living by helping an affiliate group to make some sales through my web sites to pay for them to get my businesses up and runing, or at least to help my web sites pay for themselves, White Collar crime against me and the rest of you and people like us, or in similar circumstances,is bad enough and is unthinkable enough. I sent for my copy of Rip Off Report last week. I am expecting to get it in my mailbox this week. It hasn't come yet. I am looking forward to it to help me and others who have been victimzed by scams. The nasty MBF letter that I got the other day charged me twice for one month's pay which I had my credit union account closed out on them. Everything else, to date, was paid up and the first month is lost to me, unless we can close these criminals down and make them pay our money back as soon as possible. In Utah, there will be a commission or something like that to help Senior victims of identity theft, for example, no one should ask you for your Social Security number if you are buying or leasing from them. They are not paying us, we paid them, so the sooner this Commission to protect Seniors against identity theft, the better. I am just beginning in my Senior years, but I will qualify, so I will let you kow when that gets started. This will be a pilot program starting in Utah, as I understand it when I had my meals on wheels renewed yesterday. Seniors could benefit very well from a successful small business from their homes because many of us don't have a car and many of us have to watch our budgets and it is easier to be based at home and to be able to earn a reasonable, if not profitable living, for our needs. But we, too, have to comply by the rule of law. I would rather have no money at all then get it in a bogus manner. I hope that what I am doing is all above board and that eveyone does not lying to us, or who could we trust? Honest people like us, however old we are, need to be given a chance to succeed and these companies rob us of that. They rob us of their futures while possibly financing and profiteering, and lining their pockets to finance crimes against humanity. 2- I talked to a friend who has a lot of experience with legal papers and terms. I do some free typing of court documents for her. Anyway, she told me that companies such as the three we are complaining against could very well have ulterior motives about how to attract new customers. She was wondering if these companies have franchises. For instance, the nasty letter I got from MBF Leasing on Saturday billed me from New York City and sent me a form to send my money (again they raised the price for one payment to twice as much as the original agreement on the blank contract), to send my money to Souix Falls, South Dakota. I won't do it. Now my eyes have been opened, I won't aid and abet White Collar Crime and child pornography trafficking which leads to child molestation and child abuse. I have shed tears over this and even told my Bishop of my feelings concerning this matter. It sounds to me like the three companies that sold us all a bill of goods and gave nothing back in return is a part of a national franchise, and not just in one state. Already, knowing that fact, I also know that they have clever ways of getting logo from other institutions, perhaps colleges and universities and making their logo mimick stolen logo. For instance, on their letterhead. They look as professional as they can look. On my letter, though, what was so unprofessional was that no name was singed on the bottom of the letter demanding my money. Because they may very well be on the Do Not Call List, they told me to call them so that they could argue with me some more. I will not do it! I will not jump deeper into the pit of hell when I hear the devil calling. I will not walk outside of my den when a short faced bear is growling at the door. Sometimes franchises, ligitimate and illigitimate, buy and sell names of potential customers. They get them off off state and national corporate business registrations. They get them from several different areas and from many and all kinds and sorts of sources. If they have interests in any number of industries for example, the oil industry or whatever, and there is a vested interest there, they might use these people who have stock in such an industry to be referrers. They don't care if they bilk you dry. They figure that when you lose all of your assets, you lose your independence and then if no one will help you get back on your feet or no family members will look after you, they can just put you in a nursing home for the rest of your life even though you are able to make your own decisions, which is another story for another time. Essentially, people in nursing homes usually don't live many years there after institutionalization, so when no one can pay to keep you there, what's next? The morgue? If someone has a vested interest who knows you, he or she could say, I know this man or lady who is starting a small business. They may not have a lot of money, but they must have some or they could not afford to start one at all. I will refer him or her for you, or they just do it. They may or may not realize what they are doing. Of course, sometimes, there are always people who have vindictive intentions or a vendetta or jealous interest against someone and refer people for malicious purposes, as well. Once the victim dies in a nursing home, or on the street, or whatever, they are out of the way and the do not have the freedom, if they are still living, to blow the whistle or to testify against the perpetrators of the crime. Good and honest people would not do this, probably most people would not, but there are some people out there who have anything but benevolent interest in their neighbors, acquaintances, and associates. This is a sad fact of the real world and one we should be aware of. You see? A person's health and self esteem goes down hill very fast once they lose their financial assets and independence. Thus they lose their agency and freedom which is also a cruel crime against an otherwise productive and useful human being who has much of good left to contribute to the betterment of society. So there are a lot of hidden pit falls when you are dealing with telemarketers who come soliciting your business that none of us, including me, thought about when I signed the blank contract. I am not saying this to cause us to become discouraged, I am saying this to spur us to action against these companies and to alert us to what fraudulent companies and associated interests are capable of. The trouble is, all too many people are either complacent or unsware of what the scam racket can do. We have to be on our toes all the time in today's society. We have to be aware. We have to be on our guard. All of us are vulnerable until these inhuman companies and people are brought to justice to the fullest extent of the law and according to the rule of law. It is true that when a case is tried, they are innocent until proven guilty, but when something does not pass the smell test, that is a pretty good sign that if it smells like a rat, runs like a rat, squeaks like a rats, and looks like a rat, it probably is a rat. And this case not only smells, it smacks! I can supply the details from of the owner of CMS for his address in Colorado in a subsequent update. I asked the state Sales Tax Commission to look into the question of -- is he paying sales tax in this state to have an office here although his residence is in Parker, Colorado. I can also supply you the addresses and phone number on the MBF Bill Letter in my next update. But on this part of my report, I just wanted to supply what the ramifications might be from the money the three companies scammed from our bank acounts.

I probably should have waited yesterday until there was about a 2-hour block of time to write what I have found out. I hurried yesterday and so I am making some minor corrections to my own report. I felt a sense of urgency to get this information in, but if there are errors, they must be corrected. It is not mysterious that the MBF Leasing charge was not on my March bank statement (for my credit union)because the charge for MBF Leasing comes out one the first day of each month. I closed out my original credit union account on March 29 before the first of April. I double checked all of my credit union monthly statements since I got mixed up with these white collar criminals and sewed up the contract with them (meaning that I signed the contract). It seemed incredible to me that someone would come to my rescue in March by kindly talking MBF Leasing out of their quest for my money or else paying my bill for that month. So I took a second look at it. MBF Leasing called me on Monday morning because the money did not come in on April 1 as they expected it would and my old account was closed out, to be honest. They were disappointed, no doubt, that the money was not there on the charge date. As I said earlier, MBF were very nasty with me and talked over me when I told them they were mixed up with fraud. I think they were tying to threaten me and to intimidate me that I had signed (was conned)into a four year non-cancellable lease by Capitol Merchant Services. The rest of that original paragraph does not need correction. I don't trust MBF Leasing to be consistent in what they charge and I'm afraid they could raise prices on us at any time like EPS did on me. I stood up to the man from MBF Leasing. I hope I did the right thing. I told them I would not pay them any more money and four years was not a realistic time committment. Like I say, I do not want to aid and abet crime and also they want to starve my credit union account and bleed my money dry. Now I will correct some faulty English I wrote in a hurry by just retyping what I was trying to say in my last update: Corrections: "So it is quite [apparent] the three company fat cat triangle is playing it their own way and you never know what they will be up to the next month when they bill us again. We are losing money to a scam." "On Thursday [I called] the Utah State Sales Tax Commission to find out if these companies are paying sales tax in Utah because they are making sales here. I know of at least two sales in Utah they have made on this case. I told the man I talked to on the phone about the fraudulent activity by the three companies and he suggested that I contact the IRS. It's a matter of blocking enough time to do it right, since sometimes we have quite a wait on the phone. I actually asked the man first if I should contact the IRS on this matter and he gave me the phone number for my state, anyway, to call them." I will call them when I can block enough time to be concise and also accurate on this report. The CMS company head is actually based in the state of Colorado. I will supply that information by Monday or some time next week when I can block adequate time to do it as accurately as possible. You may want to call your state tax commission if you are involved with this case and ask them the same question I did. When I got my credit union bank statement on Thursday for the month of March the second monthly fee was for the same thing, but they charged me $25 the second time, but they still tried to scam two monthly fees out of me in nine days -- $35 on March 6, and $25 on March 15. That was not the agreement I thought I made when I signed the contract with CMS on December 15, 2005. The sales rep. took the blank contract back to the office and they did with it what they wanted to do without my prior knowledge. The three companies should not expect the contract to be binding or non-cancellable if they are the first to break their part of the contract. They should not fail to show up when they say they will show up to train you. They should not have you sign a blank contract and they should not spring billing surprises on you without your consent. If something is going to be binding, the company must conform to what they say they are going to do. In this case, that did not happen. These are dishonest, lying companies that are harming unsuspecting customers and are harming our economy and keeping good and honest people from accomplishing good and noble things. There will be more details next week, when I have an adequate block of time to write it the way I intend it, if appropriate, to this case and as needed. I am not the world's best speller and I am prone to a lot of typo errors when I get in a hurry, but I feel panicky because I fear harrassment by MBF and the company triangle. I realize that I can only make one update a day. I apologize for any inconvenience I may have caused. Again, I hope you find this information helpful.

On Monday morning of this week I was shocked to get a rude telephone call from a man who said he was from MBF Leasing as I stated earlier this week. On Tuesday morning, Electronic Payment Systems called me to tell me that they received the credit card processing terminal with the electronic check processing machine after I sent them back to the company. They were more polite than MBF Leasing, but that does not negate the fraudulent activity they are alledged to be involved in. EPS simply told me that they would put the equipment back on stock. I stated, in no uncertain terms, that I did not was them to send me any more equipment. I told them, frandkly, that I did not want to go that way in handling my business. Here is what is really fishy about the way EPS has handled the situation. They did not promise to reimburse me for the questionable equipment that Capitol Merchant Services delived and set up for me. When I got my bank statement from my credit union yesterday, it showed that EPS sprung another surprise on me. EPS did not charge me just one monthly fee, but two. They charged me $35 on March 6 and then turned around and charged me for the same thing on March 15. This was for "Electcheck Plus". Capitol Merchants promised that I would only be charged one monthly fee for the same month for the same service. Another lie has emerged. So what they charge, or how it can be changed, without notifying you is the way they do their business. Who knows what surprises the three companies will spring on an unsuespecting customer next? The truth is that I have never processed one check or one credit card, so I was being charged not only for the equipment but apparently as if I had done business for them. So again the three companies -- MBF Leasing, Electronic Payment Systems, and Capitol Merchants have not kept their part of the agreement signed on the contracts that thye issued to be signed. Binding means that both parties have an obligation to keep their part of the agreement, and in my view, if one party breaks their part of the agreement, and that is on the part of any or all of the companies, the customer (you and me) should not be held bound to the contract. In order for a legitimate contract to work, both parties must act honorably and honestly in upholding their part of the agreement. I was not the first to break the agreement that I understood that I and Capitol Merchant Servies and the other two companies would hold both be bound by. Mysteriously, when I got my bank statement MBF Leasing was not even listed there and there way no charge, but that is not necessarily good news. At first, I thought when I opened it yesterday, "Whee, MBF Leasing stopped charging me over $113 a month!" But, because the rude man called who said he was from MBF Leasing last monday and I got my bank statement in the mail yesterday, who knows but what they would spring an even bigger monthly fee the next month and because of the fraudulent behavior of EPS, who knows how many times a month they might charge me (if I hadn't changed my account information at my credit union) and how much they might charge each time. All they told me is that I am bound for four years to pay them the MBF Lease and EPS, I guess. But even that is dubious, because they could spring a change there at any time any way they please, and I would not find out until I had already been robbed. So it is quite aparent the company Fat Cat triagnle is playing it their way and you never know what they are up to next month. We are losing money to an scam. Yesterday the Utah State Sales Tax Commission to find out if these companies are paying sales tax in Utah because they are making sales here. I told the man about the activity and he suggested that I contact the IRS. I actually asked him if I should and he gave me a number from my state. The CMS Company Heads are based out of state in Colorado. I have to dash now for an appointment, so I will supply his address later. I hope this will be helpful

Sometimes I wish the telephone didn't exist. This morning, the phone rang. The first call I got was from MBF Leasing. When I picked up the phone and said "Hello", I was expecting a call from a friend. Now, I wish I had just let my phone ring and picked up the call later, then I could have ignored it. But I had no way of knowing what to do there. When the phone rang the first time, there was a long silence, and so I said "Hello" and hung up. When it rang the second time, the same thing, silence. And then they said, "Hello, is Marilyn (and my last name) there?" I asked them who they were. I was flabbergasted because I thought the Do Not Call list eliminated telemarketers which is the reason why I am in this mess in the first place. I guess it doesn't apply to businesses you have already dealt with. I asked the caller who he was and he said his name. I wish I had not been shook up and had written down his name. I then had to pry out of him where he was calling from. He said MBF Leasing. When a person waits for a period of time before they say who they are, that sounds shady to me. He started in on me in a nasty manner and told me that it was a "non-cancellable lease" that I had signed. I told him that I was hurried through the signing process after three hours of speil about promises of promoting my business and that I would soon make back as much or more than the simple $102.00 (and so many cents)per month the lease would cost. That in itself is a ridiculously high price for a lease of that nature, but since the sales rep. convinced me that I would make the money right back so I could pay off the lease up front and I was also told that on the phone by Capitol Merchant Services, I believed her and then signed the contract. This is the worst mistake I have ever made in my life. What I signed was a blank contract and they told me that they would have to hurry right back to the office in Murray and fill in the paper work there. When I got the copies back after having to beg CMS for the paper work on the phone days after they promised to bring it with the trainer, they finally mailed the copies to me and I was surprised to see even more prices there. I did not understand the contract at the time because I was not given enough time to read it, they told me they needed to be right back in Murray with the paperwork, and when I got my credit union bank statement, I was unpleasantly suprised to see even more charges that were not explained to me that I would incurr. Besides that, CMS never followed through on sending out trainers and the training support they promised, as I explained in my earlier reports. When the sales rep. came out, she explained that the lease would be binding and if I signed the lease, we both would have to keep our part of our bargain. That would mean that by law, as I understood it from her, that Capitol Merchant Services would have to keep their promises to me and I would have to keep my promises to them. Nothing could be further from the truth because they haven't kept their promises to provide customer support. So I was deceived, believing that they also, would have to do what they promised they would do. They would give my business very good exposure while I was paying every month for that exposure so that more people would know about my businesses. I would shortly make back what I would be paying out which will amount to over $10,000 if they get their way. But I was lied to. The sales pitch on the phone was that the whole deal would all be right here in Utah and no out-of-state concerns, that someone would always be right there to make an appointment with me for service or for a new machine should the machine be damaged or fail and "oh, yes" they would guearantee to come right to my house any time and every time I needed help. That my business would receive the promotion it needed and would get good traffic and exposure and that it would be in a very short time. I was told that the the checks and credit cards (if someone bought a trip or made a donation) would be processed to my business accounts if anyone made a purchase or donated to my foundation, or needed transcription services. When the CSM sales rep. told me the contract was "legally binding", I believed that they were legally bound to keep their promises as well as I had to keep mine. I think a legally-recognized notary public should be present, and not just the sales rep. acting as the notary public. The bank in New York had a real odd name. I don't remember what it was, but I have found out this operation is all over the map, in several states as several of you have already explained, not in Utah. I now alledge, from what others have designated concerning this report, that I am a victim of White Collar Crime. If I do continue to have to pay the lease, and I will fight it, I believe I would be aiding and abetting this White Collar Crime. I would be an involuntary accomplice in causing others the same pain and misery as I have caused myself by signing the contract. I guess the man from MBF leasing got my name because my credit union is disputing the money I paid them in February and March from electronic transfer from my credit union account. I closed out my old account number. I am bound and determined to fight for the right to keep my birth right and to do the good I came to this life to do. I owe this to my family, my late parents, to my fellow human beings, to my country, and to my God to do no less. Please let me know if I can help. If it is here in Utah, I will be willing to testify, if that will help us restore our dignity. It told my credit union that I did, indeed, authorize CSM, MBF, and EPS to take out money, I willingly signed, not realizing until after the fact that I was signing to give money away, not to one, but to three companies. The man argued that I volunteered to sign the contract, but because of the "binding language" I was deceived into believing and even sweet talked by the sales rep. that they would definately do a lot to promote my business and that they were also bound, by law, to be dependable. I erroneously thought, whee! Someone must have told them what a great entropenuer I would be. "That's how they got my name!" Again, how wrong I was! I know there is a lot of risk taking in small business. Usually, poor people, over 60, like me don't venture. But because of my talent in writing and in being an appealing personality and my aptitude test and performance in the Deseret Industries job training program, and because I have not had very good luck in my lifetime in getting jobs, even though I have had training at a Technology Center and have had a scholarship and very good grades and have graduated from Brigham Young University with a Bachelor of Science Degree and Child Development and Family Relations and have sung in the Mormon Tabernacle Choir and have had some articles published in organization papers -- of of this and still very little luck in getting jobs. I have only been hired in two jobs in the work force. I believe myself to be a good and honest worker to the best of my ability. Even with all of my credentials, I have still had a hard time getting hired. So I thought going into small Business would at least be a hope for good employment because of my humanitarian interests. My businesses are essentially this: Bear Crossing Goodwill is a buisness to do some transcription and typing for people who need a good typist with a good understanding of English. I have also recently received an "A" in beginning Spanish from Brigham Young Universtiy Independent Studies. I don't know why some people won't hire some good, hardworking, honest people I do not understand it. But that is the kind of a world we are dealing with and the way the world is right now. My other job on that web site: www.bearcrossinggoodwill.com is a little travel service to Yellowstone National Park that I am providing. I feel qualified for that because I work with a group to preserve the environmental and ecological integrity of the two parks in and also the entire Greater Yellowstone Ecosystem. I go to Yellowstone every year for an annual meeting. The other business I have is the Water Music Foundation. Donations will go (if I get enough money to make it work and I have only recieved $50 so far)to provide support for four organizations dedicated to preserving Yellowstone and its interpretive/educational programs and for two disaster relief programs in the aftermath of Hurrican Katrina. The web site for that is: www.watermusicfouncation.net. Feel free to take a look at this one as well. If it will be helpful to the group, all the better. My businesses are about a year old and my foundation has been established since September. I still need to write my bylaws and file my income tax form. Anyway, I have put a lot into my businesses and have spent a lot of money trying to get them going. My web sites have been up and launched since the end of October. I announced for opening of business on November 30, 2005. Unfortuately, I have had hardly any business yet. It is true that I have joined as affiliate, late in February, with several business that believe to be legitimate. One of them, for instance, is Macy's. There are many others. I have joined this to try to direct traffic to my web sites and to generate more buisiness. The Bad Business Bureau has my permission to look at my web sites, offer any suggestions they have to make mine better, and to make sure everything is on the up and up, on my part, as well as on the part of the people I have affiliated myself with. Your suggestions are most welcome, because I want to be successful in an honest matter. Better to lose your business than to deliberately be dishonest and if we are unaware of pitfalls, we need to try to correct them as soon as possible. I decided that since I went into this venture, to be self reliant and self sustaining because my parents and my church have taught me the value of honest hard work and good citizenship, that I would do what I could to be personally prepared for any contingency that might come along. So I did the best I could and am doing my best to try to meet that standard. I am wondering now if I took the right path to become self-sustaining. There is a chance I may marry in the future, but I do not want to stick him with my financial problems. I also want to save for a rainy day and put some money aside for that. I also want to put some money aside to help my brother and his wife, should they need my help, which I feel it would be my moral obligation to do so if I end up with the most money at some time in the future. Right now they are much better off financially than I am. I also want to help my church financially through donations and my charities that I donate to. I also want to put some money aside to be able to serve a mission with my future husband, in the event I do marry and health permits. Having said all that, if I pay out money for a fraudulent lease, not something like a will or trust which I cannot afford to make right now, I will have no money left for these other reasons as stated above. And even worse, I will be involuntarily aiding and abetting White Collar Crime. CMS also asked me for my Social Security number which I later realized we should never give out except for income tax purposes or when we are earning wages and only in a secure area, not to pay money, and especially with with an group of people or person who is alledged to be fraudulent. MBF today, when I told them that I heard they were fradulent, said they were not. "Not us," is what the man said, as to let his company off the hook. He was very intimidating on the phone, but I stood my ground with the man and I will try to take more actions which will be forthcoming in subsequent reports. But I am going to need your help being alone. I would guess that is why we are banding together so that we can make a good case. I do not believe in telling all of my business but I wanted to let all of you know what is at stake. * The point I want to make comes down to this. CSM, MFG, EPS were not honest with me in their part of the "binding contract that they say is "non-cancellable". They should not have brought a contract to sign unless they were prepared to keep their part of the bargain. I believed it could only be binding if they kept their part of the deal and then I had a funny feeling about it when they lied about it being "legally binding". * The CMS rep was too pushy and intimidating and had to hurry to get the paperwork back to the office. They said they would bring it right back the next day, or something like that, but never did. I had to wait quite a while for the copies of the lease. * There were hidden costs and unexpected payment surprises on my bank statement from my credit union. And from the attitude MBF paid today, they probably will not pay it back. MBF charged more than the bargain I made to pay them, which it is turning out, I cannot afford, anyway. They should not be able to get away with refusing to pay me back when they balk. * I signed a blank contract to be filled in later at the office as they wished, so I never got to see what was filled in later and why. * If I continue to have to pay them with impunity to the three companies (MBF leasing harrassing me today), that will be aiding and abetting white collar crime as I have already explained above. I reiterate: White Collar Crime is what will be aided and abetted. * None of us knows if we will even be here in four more years, the way the world is going, or where we will be or what we will be doing, and it is my understanding that very few contract situations, if any, really should be considered legally "non-cancellable" contracts, except for maybe a will or trust or something like that. But even that needs to be done when we can afford it. It is wrong to sew things up when we don't even know what is coming a month from now. * There will be no money left in my bank accounts or not enough to do the good with my life, for humanity, that I want to do and my life will not go in the direction that I and hope intended it to go in. It will also strain family relationships, the very thing I wanted to try to avoid. * CMS appeared initially to be the sole company I was dealing with, and since they said it would all be done in Utah, I didn't pick up on the facts that the EPS and the MBF were separate companies operating out of state. * I have explained earlier that chances are the credit card terminal and check processing machine may very well have been programed to still money from the check or credit cards processes, thus causing the customer ot lose money, thus robbing money from my business account and into the pockets of one or all of the three companies I have been dealing with. I didn't dare take and chance because of their unreliability to me, I find it impossible to trust them. * I cannot, in all clear conscience, continue to aid and abet White Colloar Crime and that is exactly what I would be doing. My advice to all of us: never sign any kind of a contract alone, without one or two other trustworthy, knowledgeable people with you. When you have to sign something, it raises a red flag in many cases. When you hear the word lease, avoide it like the plague. There are some necessary leases, but this kind of a lease is not a civil contract dispute matter. Don't get mixed up with the credit card business. Use PayPal or let someone else help you who knows the ropes and what they are doing and don't charge you an arm and a let to do it. Don't make a time committment unless you have lots of money and another party giving their approval and also unles you are sure you can get out of it or handle the financial costs and/or pay them off up front, where possible. For most of us the costs would be too high and it would not be wise to do that. The words: contract, time committment, binding, loan, and anything that incurrs debt should be considered with caution, and the avoided in the vast majority of cases. Don't let anyone come to your house with a contract when you are alone. That should be taboo and maybe there should be a new law keeping these kinds of solicitors away from our doors. Can a restraining order be obtained to stop the harrassment? Con one be obtained to keep these people from coming to our homes, calling us on the phone, etc.? I hope I was just harrassed and there will be no further implications. I will keep you posted and there will be updates about what I will be doing to try to get out of this mess. If others have had similar experiences, please let the Bad Business Bureau know. If you do not want to publish it, send them a private email that you have been harrassed. I don't know if I will ever see the end of the misery this has caused me. I hope so. I have better things to do with my life. This has taken me in a very different direction that I did not want to go. I don't want to go on welfare, or have to be bailed out by my brother and his wife or by someone else who did not plan to do it in the first place, or have to lose my home or my livelihood. I don't want to be a ward of the state. I am trying to avoid that because it makes for better relations in our families and in our communities and it uphold our Constitution if we stand up to criminal activity. That is why I went into small business in the first place. If I had known I would be vulnerable, before this happened, I might have just given up. This is hell, frankly. I will not give up. Let's be there for each other and fight this bad thing, to the finish, that we did not seek in our lives. Let's not be a party to aiding and abetting crime no matter how unpleasant the perpetrators may try to make it for us. We all have better things to do with our lives. I hope that at least I have helped someone else to avoid this kind of a trap, and, again, let's not give up. Let's not be intimidated and let's keep fighting.

As I may have expressed in my initial report, I had a strong impression Sunday night to check online for Capitol Merchant Services. As I also recall, I thought that they would promote my business so that it would get more web site exposure, and being the busy Christmas Season, my brain was asleep at the wheel. I also mistakenly and naively believed that everyone who handled credit card processing and electronic merchants businesses must surely be law abiding people. What a wrong and erroneous assumption that was! Someone has correctly said lately that I am too trusting of a person and he's absolutely right about that. I'm too nice sometimes, and in most cases that's a good way to be but not in cases like this. I will not give out the name of my credit union here and I hope I have not in my initial report to protect my privacy. I will, however, supply that information to the proper legal and law enforcement athorities and the news media, if that becomes necessary. I think that the Utah people need to go to Get Gephardt on Channel 2 news. I think all of us ought to get on the national news and expose this for what it is. I talked to my credit union yesterday and they were very affable and helpful and said that they would try to get my money back for 60 days back. The policy does not include January which was a debacle, because it was my understanding that Capitol Merchant Services were to pay me for the first two months of the lease contract agreement, but with all of the extra charges, and them charging me against what they said they advanced to my credit union account, I can't see that they saved me any money. In fact, it cost me much more money than I was first led to believe. The credit union and a good friend who understands the ropes of legal matters (she went along with me to the credit union because she is very knowledgeable about these matters) and I decided to change my account ID number so that it will be more difficult for the companies involved to charge me any more money from what little I have left in my credit union checking account. The credit union really wants to be helpful and the manager and another woman I talked to who works there and my friend hope, as I do, that I will get the two months charges back, but they are not too optimistic that it will happen, because they believe the companies will not be at all willing to let go of the money, that they likely will not be complicit, and that they will find ways to get around it. I lost anywhere from appoximately $200 and something to $400 and something that first month, alone, to CMS, MBF Leasing, and Electronic Payment Systems. Adding the three months together, it is possible that I have lost nearly $800, give or take some, in just three months. This is the kind of greed madness that breaks up marriages, destroys families, makes the cost of health care imposssible, shortens lives, and ruins reputations. Such people as these people in these companies do not care about that. They do not consider, or maybe they do consider and are deliberately wantonly destructive to good people with very little money who want to do very good things in society. If I don't get my money back and others who have made reports on this issue don't, that is money that could be better used somewhere else. In my case, that is money, or the equivalent of, that could be used sometime to go on a mission for my church with my husband (should I marry in the future). It is money that might have to pay for a catastophic medical condition that doesn't exist yet, or money that could be used for good humanitarian causes for church or charity, or money that might have to pay for a meal, the cost of living increase, an emergency, or a thousand other good things that I don't forsee in the present. So none of us has money to throw away. I hope there is a lawsuit, but if there is, people like me may not have much money to pay the fees for the class action suit which I have heard can be expensive, but I certainly would be willing from another bank account to put anywhere from $50 to $100 into the law suit, if it comes to that. Like probably most of you, I am working hard to make a go of my small business. It is very difficult to make a go of it under the best economic and other circumstances. A lot of them go belly-up. But is shouldn't have to be that way. I lost my mother almost a year and a half ago of old age and she was very ill besides. It cost a lot of money for medicine for her even with Medicare and a couple of good health insurances. She was on a govenment pension and half of my father's who has passed away almost 23 and a half years ahead of her. When she died, that pension, which she and I lived comfortably on, dried up, and I had to send her last two checks back to the government. I was her caregiver and wanted to stay with her and help her to live as long and as comfortably as possible. When she died, I had to go to work at a job training center to earn a little money and to get some experience to train to re-enter the work force. My apititude tests and personality was deemed best by rehab and the managers to go into small business and they said I have the personality for it. It is not easy to try to get a small business going, and I have yet to earn hardly any money for all my endeavors, so it is very inhuman to rip people off such as myself and rip others off who have entered into this complaint. And I don't understand why you would need to pay fees to the credit card people and also lease separately when we already need to pay a certain percentage per credit card purchase besides. As I said earlier, in my first report, the cost of these three companies is outrageouly unaffordable. I have boxed up the ATM (credit card terminal and electronic check processing machine and I am sending them back to EPS. I do not feel good about having them in my house. If we have that kind of money, it would be better to pay the $300, $500, or whatever the equipment costs and own it outright than to have to rent it or lease it. Something doesn't quite add up, there. But no one has ever been out to train me and when it is other people's money I am working with, its like diving headfirst into deep water blindfolded, if there is no training. And when Maria tried to train me, she was immediately called and told to hurry back to Murray! I also feel that the machine may have been fraudulently programmed to send the money to the Capitol Merchant, MBF, and EPC ring, instead of ever getting back to me for use for my business. Because no one would come out, Maria was not given time during the couple of times she was out to my place to do an adequate job, and on the phone -- someone said, "I will walk you through the training now." So there were about two sentences, and then "Oh. I've got to go!" or "Oh, I've got someone on the other line, I can't finish right now. We'll send someone out." Promises, promises, unrealized. I hope we can get all of our money back. I can understand it being hard if it were a legitimate company, but if this is a scam, why shouldn't we be able to get our money back? This is all I have, to date.

I am so shook up and upset about being scammed that I made an incorrect statement on my own report absent mindedly. I would like to make that correction now. The check from Capitol Merchant Services was not to my foundation, (which deals with protecting the Greater Yellowstone Ecosystem and contributes to a couple of disaster relief efforts), but the check was made out to Bear Crossing Goodwill, the sister web site. It should have been made out to me, as I think I asked them to send it in my name. I deposited the check in my personal bank account at the credit union where the money is coming from to pay Capitol Merchant Services, MBF Leasing, and Electronic Payment Systems. I apologize for the error and some typographical errors. I hope the readers can read past those and get the jist of my report. Thank You,

I am so shook up and upset about being scammed that I made an incorrect statement on my own report absent mindedly. I would like to make that correction now. The check from Capitol Merchant Services was not to my foundation, (which deals with protecting the Greater Yellowstone Ecosystem and contributes to a couple of disaster relief efforts), but the check was made out to Bear Crossing Goodwill, the sister web site. It should have been made out to me, as I think I asked them to send it in my name. I deposited the check in my personal bank account at the credit union where the money is coming from to pay Capitol Merchant Services, MBF Leasing, and Electronic Payment Systems. I apologize for the error and some typographical errors. I hope the readers can read past those and get the jist of my report. Thank You,

I am so shook up and upset about being scammed that I made an incorrect statement on my own report absent mindedly. I would like to make that correction now. The check from Capitol Merchant Services was not to my foundation, (which deals with protecting the Greater Yellowstone Ecosystem and contributes to a couple of disaster relief efforts), but the check was made out to Bear Crossing Goodwill, the sister web site. It should have been made out to me, as I think I asked them to send it in my name. I deposited the check in my personal bank account at the credit union where the money is coming from to pay Capitol Merchant Services, MBF Leasing, and Electronic Payment Systems. I apologize for the error and some typographical errors. I hope the readers can read past those and get the jist of my report. Thank You,

I am so shook up and upset about being scammed that I made an incorrect statement on my own report absent mindedly. I would like to make that correction now. The check from Capitol Merchant Services was not to my foundation, (which deals with protecting the Greater Yellowstone Ecosystem and contributes to a couple of disaster relief efforts), but the check was made out to Bear Crossing Goodwill, the sister web site. It should have been made out to me, as I think I asked them to send it in my name. I deposited the check in my personal bank account at the credit union where the money is coming from to pay Capitol Merchant Services, MBF Leasing, and Electronic Payment Systems. I apologize for the error and some typographical errors. I hope the readers can read past those and get the jist of my report. Thank You,