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GC Collection Services Uses Bully Tactics To Frighten Consumers
Posted by on
HOUSTON, TEXAS -- I received a call from GC Collection services regarding my Amex bill. At first the person I talked to was quite nice, then a second person got on the line and began to accuse me of hiding my assets behind my husband, called my a liar, said that they could put a lien on our house, put a lien on my husband's bank account because seven year's ago he was a card holder on my account. Accused me of lying and began to yell and scream at me. They accused my of dodging a debt well it goes on and on. They have not abided by the consumer fair practices laws and they called me before they ever sent me a notice. I asked for a statement in writing and a written agreement which they said they could not do until I was locked into a payment plan, they call several times a day, always with the bully tactics. The only written communication I ever received was a post card.

I have reported them to the FTC and to American Express. If you are called by these animals, report them right away to the FTC.

Annie
     
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Anonymous on 2008-09-20:
You need to write a letter to them (return-receipt) demanding that they cease contacting you via phone. Since you are not denying the debts you should also demand a payment schedule in the same letter. The threats they made to you are illegal under federal law.
DebtorBasher on 2008-09-20:
Why did they have to put a second person on the phone, when the first one was being nice? Did they just do it because they couldn't handle the call (Called a "Second Voice" if the collector feels they are not going to get a payment and wants someone else to try while they have them on the phone) or did you ask for someone else to talk to?

Second, they can not threaten any of those things if they do not INTEND to carry it out. We were never allowed to say we would garnish wages or report them to the Credit Bureau or send them to the legal department if we did not have the intent or right to do so. That is against the FDCPA. Also, it is an FDCPA violation to contact you by post-card. What exactly did the postcard say? Did it say it was from a collection agency or give any info about your debt? That's a BIG no-no, so KEEP that postcard for your case against them. Go to my blog and click on the link and you will find a copy of the "Cease and desist" letter and also a letter requesting "Validation of Debt" send them both certified with return receipt. Keep them for your records. If they call after they received the C&D letter, they will be violating the FDCPA and if they do not send you a Validation of Debt within 30 days of the receiving the request, they will also be in violation.

.....Good luck to you and keep us posted.....
Anonymous on 2008-09-20:
"GC Collection services uses bully tactics to frighten consumers". Sorry to say but that is how they make their money. They push and people pay. DB has some good points and was in the collection biz, she can help you.
Squeaky Wheel on 2008-09-22:
Call them repeatedly and just push any button to givde them a bzzz. They are working in a boiler room and not making any commissions picking up your calls. If they stop answering go to a payphone. Then a different payphone. You will get several different people and begin to recognize their names. Go to 2 side by side payphones and put them on the line with each other. >>>>>

Also, send a certified letter instructing them to send all future communications to your attorney.
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Scammers
Posted by on
ATLANTA, GEORGIA -- First of all the first girl that called my home was speaking to my mother and told my mother she was a deadbeat and needed to pay her bills (it was my bill). I never even received a bill for what they were claiming I owed but I had an idea that I owed it because I cancelled my cell phone and that what they were saying I owed the money for. OK so a few weeks later I received another call from a nice man (who I thought was nice) who I set up payments with. The first one went in a day early (which he promised me it wouldn't) and caused me to have a $35 overdraft fee. I let that slide. Then I called a week and a half before the second payment was to go through and asked that my payment be cut in half and the remainder would be paid the following month because I was having surgery and wouldn't have the whole payment. He said fine told me my confirmation number and I was good to go. Well today I get a letter stating that double what I said I was able to pay. I called to tell them of their mistake and they told me I had to speak to Mr. Watson. They told me he wasn't at his desk and the woman on the phone said there was nothing she could do that the check already went through (which I know is a lie because I worked in the payment processing unit of a collection agency). Then all of a sudden she told me Mr. Watson was at his desk and I was transferred and hung up on 3 times. The final time I called back I was told that Mr. Watson had left for the day.

If there is any point to this story it is to inform you PLEASE PLEASE PLEASE don't give this company your banking information. Please MAKE them bill you monthly and send your payments to them. IF they don't want to cooperate then go back to the original company that you owe the money to. I'm sure they would be happy to help you and they will be glad to take your payment so they don't have to pay this rip off company. They will only use it to rip you off and get their 1% commission on your payment. I'm sorry that these people have to work for $9.00 and rip people off. It's not anyone's fault that they can't get a better job so stop ripping people off.
     
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Principissa on 2007-11-29:
Never ever allow anyone access to your bank account.
*Brenda* on 2007-11-29:
Hmm funny, you insult their job but you're the one not paying his/her bills! LOL! I guess you should get a better job.
Nohandle on 2007-11-29:
Sorry your mom was involved in this. It was your debt not hers. You've learned your lesson not to provide anyone with any banking information. Don't take your frustration out on someone attempting to collect YOUR debt. Their job is to collect. Their manner might be quite questionable at times.
DebtorBasher on 2007-11-29:
NCO in the Philippines Collects for them.
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Info before you post a review
Posted by on
Well GC Services is not a company that collects for unpaid tickets, GC Services collects for Drivers Responsibility Fees that are caused by certain tickets. The company is based in Texas and now contracted to the State of Michigan. So if you don't want to get levied then just pay the bill or to call and set up installment agreement..And by the way they do not go by first name bases like the other guy stated Alex picked up...
     
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Alain on 2010-02-01:
Gee, I feel much better about your company now!
goduke on 2010-02-01:
So what's the difference between a ticket and a Drivers Responsibility Fee?
Anonymous on 2010-02-01:
goduke, I don't know about Michigan but in Tejas the "Drivers Responsibility Fee" is a tribute you pay annually to the state for being a bad driver. Your assessment is based upon the number of driving points you've accumulated once you've exceeded a threshold or can be assessed individually on big offenses like DUI, driving without insurance or with a suspended license. A ticket you pay a fine to the municipality then you're done. The Drivers Responsibility Fee can be charged for three years for the same offense since that's how long the ticket remains on your driving record.

The Tejas legislators claim it was a move to encourage safer driving but that ain't true it was done as a revenue enhancement for the state budget.

You got to love them crazy Tejans.
goduke on 2010-02-01:
Wow. Didn't know about that one. Never got a ticket in lonestar land. Thanks for the info.
madconsumer on 2010-02-01:
to prevent a ticket from going into collections, pay the ticket by the due date.

having lived in Texas 15 years, I would like to know what this drivers responsibility fees is.
Disaster Worker on 2010-02-01:
I've been in Texas all my life and have never heard of the "Driver's Responsibility Fee"...is that because I don't have any tickets?
Talk360 on 2010-02-20:
GC services has a bunch of ruthless employees working for them, horrible the way they think just like ms.jeans has demonstrated for us by writing this review. Do not let any credit company or anyone get away with telling you= So if you don't want to get levied, lets fix this). My goodness the collectors job is to assist you with ability to pay the bill ' not drive you farther away from wanting to pay. If it were so easy to pay all the bills we debtor owe than it would simply be done already. Do you really think anyone likes being called 24-seven being asked the same questions repeatedly, & no one likes having bad credit loaded onto there (once) good name. Even if consumers do call in or answer to set up a pay-arrangement it usually gets out into words like we nee a auto-pay (ck by phone / card number to make payment) for any program or past due fee. The United States our self in general are in debt literally way past our heads so wake up smell the fresh coffee (if you can afford to by coffee)People are really broke! Realize that without people that owe debt there would be no need for debt collectors oe credit collection agencies.
If you want to make money you should work a little bit, try earn-en the money = Collectors should pretend they care consider every aspect of a situation to try obtain & collect the dues owed (plus interest,Fees) .
Anonymous on 2010-02-20:
(BA) Stew
Anonymous on 2010-02-20:
Talk360, you are clearly misinformed. Once a collector has to start talking about a levy, the situation is way past "assisting" the debtor.

I seize assets all day long. I don't go to the trouble of filling out paperwork, digging around for your assets, getting a judgment, getting a lien, sending the sheriff to serve you, etc, unless you have already avoided me, lied to me, etc. Seizing assets costs time and money.

I would rather you be honest, provide details as to your debt to income ratio, and work something out that meets my clients needs.
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Collection Harassment
Posted by on
JACKSONVILLE, FLORIDA -- They send me a bill for $16.49 That I had paid a week before.

This company employees are rude and unprofessional. They treat you as if you were a common criminal. When I asked to speak with a supervisor he was also rude and disrespectful.

     
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jktshff1 on 2008-04-14:
AND????
MSCANTBEWRONG on 2008-04-14:
Payments typically take 10 days to process...If they only sent you a reminder that your payment was due or past due, how does that qualify as harassment?
Anonymous on 2008-04-15:
I am shocked to my foundation! Staffers at collection agencies are 'rude and disrespectful'? Say it ain't so! I infer from the post that the poster contacted the agency after receiving the bill for a payment already remitted...I would. That is likely when the rude behavior took place. The payment and the notice likely crossed each other in the mail. One does not have to be rude to be an effective collector.
DebtorBasher on 2008-04-15:
Sounds to me as if the notice and the payment passed in the mail. Was the payment late when the notice was dated...not when you got it a week later, but from the date on the notice. If you're going to point out about them being rude, some examples of their rudeness would be appreciated because many people think it's rude just because they get a notice or just because they get a phone call...in your case you say you called them and they were rude, but in what way?
Anonymous on 2008-04-15:
I agree DB. But, as you know, typical agencies go far beyond merely adding sufficient stress on the debtor to 'encourage' them to honor their obligations. We see too many posts at M3C consistent with this observation. Therefore, unless the circumstances are unreasonable, I will typically side with the poster with regard to allegations of 'rude' behavior by a collector.
Anonymous on 2008-04-15:
If you don't want to deal with rude collectors then pay your bills on time. I feel for the collectors who have to deal with the lying dead beats and their excuses and tails of woe. How hard is it to live up to your word?
DebtorBasher on 2008-04-15:
That's why I asked what was said or done that was considered rude. The FDCPA protects consumers from the tone and content used when being spoken to...if it was true "rudeness" it would be nice to have some examples of it to determine if they were in violation of the FDCPA...a lot of times the consumer hears things differently than what is actually said. I'm not making excuses for collectors, I've heard some of them and I know what rude behavior, content and actions are...just looking for an example.
Anonymous on 2008-04-15:
I disagree with what is said nice about bill collectors and have NEVER heard of one that was anything but rude, self-rightist and arrogant. When people get into debt in the first place it's because the corporations and the ad agencies push poke and prod people into believing they can afford things they really can't and I am talking about everyday people. Why is the younger generation not being taught this in school?

Bill collectors are bottom feeders with one thing in mind, they are right and the rest of the world is wrong. Adding stresses to people that are already under stress is not how one attracts flies. To do that one puts a little sugar on the table.
DebtorBasher on 2008-04-15:
DocJ...When I monitored and recorded our collectors, you would be surprised at what the debtor would consider as being "rude". I would be recording the conversation, and as soon as the collector ID'd themself and the person on the other end of the phone realized they were calling about a bill...then right away, the debtor started to cuss and swear at the collector. The collect stated, "if you continue to use this kind of language, I will disconnect this call" in a calm voice...that's the way I trained them because again...tone and content is a big issue, and you can't say things in a threatening way. Anyway, the debtor responded to that comment by yelling, "Oh, you call here just to tell me you're going to hang up on me...that is harassment and I want to talk to your "bleepidy" manager" ... The collector had the manager take over the call and the debtor went on and on about how the collector was harassing her and how the collector swore at her and called her the "N' word. The manager, not really knowing what was said, apologized to the debtor and said he would have a talk with the collector. Being that I had the entire conversation on tape, and gave it to the manager to review, the manager just laughed and told the collector not to worry about it because the collector handled it in the professional way as trained. A few days later, we received a letter of complaint...and I turned the tape over to our attorney...a lawsuit was never filed.

So...that's what I mean about what people consider or hear as being "rude". Whatever that debtor seems to have thought she heard, never came out of the mouth of the collector.
Anonymous on 2008-04-15:
I understand DB. My office did their own collections. We never pressured people about their overdue accounts. Still, we got cussed, threatened, and rudely treated. With an equal brush, we must be willing to agree that the majority of collection agencies employ some very abusive techniques. It may also be more 'effective' to collect a debt by breaking someone's kneecaps...but doing so is as wrong as verbally abusing the debtor.
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Student loan collection
Posted by on
CALIFORNIA -- I have been contacted by GC services for a student loan that was paid in a chapter 13 plan. The loan was paid in 12-94 and I have proof. The retards at GC kept saying that student loans and not be discharged after me telling that clown that I PAID it in the plan. I even had to spell it for him. I gave in as not to have my check garnished. But I would like to take legal action against them. Mainly for using taxpayer money to pay idiots to do that job. They even refused to look at the proof that I had. And they refused a review.
     
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Hugh_Jorgen on 2007-06-28:
I have always heard that student loans were one of the very few things that could not be wiped out with a bankruptcy filing. You might want to check your documents from 1994 and see what they say. If you paid it off by making payments while in BK, then you should have some record of the payments and hopefully that will satisfy them.
rhondam718732 on 2007-06-28:
IF it was included in the filing then send in proof via certified mail to your account rep and any other management you can locate at the company. They cannot refuse your proof...wither your conversation went south or there was a mis-communication.
Ponie on 2007-06-28:
'Mainly for using taxpayer money to pay idiots to do that job.'

And just whose money do you think was used to give you that student loan? Pot--kettle--black!
Anonymous on 2007-06-28:
I'm siding with Pony on this one.
collector4life on 2007-08-17:
I too agree with ponie. check the laws, your attorney was the moron, he took you for a ride. student loans are non-dischargeable through bankruptcy
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GC Services
Posted by on
DESERT HOT SPRINGS, CALIFORNIA -- While waiting for GC Service to answer their phone today (15 minutes), I discovered on-line that the shoddy service we received from them reflects their business practices in general. We paid a traffic ticket directly to the Superior Court on May 12 but received notification from GC that the ticket was unpaid and that they had tacked on a couple of hundred dollars more. I called on May 20th with proof of payment and was told that they would have to check with the court to verify that. I then sent them a registerd letter with proof of payment a couple of days later, which was received by them on May 29. Despite this, when I called today and finally got through, I got the same runaround about them having to contact the courts. Looks like all the bad PR they are getting is well-deserved.
     
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Garnishment without notification
Posted by on
TUCSON, ARIZONA -- I was at work one day and got notified in my pay stub that gc svcs ltd garnished my wages for a student loan. No attempt at contact was made and since July 2003 I have never rec'd anything that tells me what my balance is or how much is interest. At this rate, I will be paying this the rest of my life. I feel they are just ripping me off for money.
     
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Anonymous on 2007-03-06:
We should feel sorry for you.....why?? Who did you think was going to pay that loan?
spiderman2 on 2007-03-07:
And you weren't ripping them off by not paying on your loan?
bill on 2007-03-07:
What amazes me is that someone as stupid as you attended collage.
Anonymous on 2007-03-07:
Bill - Did you mean college?

Yoda - Research the web. Depending on your circumstances there are several things you can due to abate the garnishment. I haven't kept up with the changes in student load collections but at one time it wasn't all that difficult to get forbearances or economic hardship waivers. Good luck!
Anonymous on 2007-03-08:
Stew - Did you mean loan?

In order to get a garnishment you must first be granted a judgment by the courts. That means the poster ignored repeated attempts from the lender to collect or even defer the balance. I hope the poster did not go to college for economics or law studies.
mzrose on 2007-07-02:
In order to be garnished for a defaulted studnet loan no court has to be consulted. It is known as an administrateive wage garnishment which is non-judicial. Billing is a courtesy, you knew you owed it it didn't disappear and unless you haven't been working or child support has been intercepting it, you have most likely had your income tax returned taked by the department of ed also.
Just my thoughts on 2009-08-04:
I have dealt with this company for over 19 years and they do garnishments without notice and keep taking money without sending it on to the department it should have gone to.
The only way I can fight them -is go deeper in debt to hire an attorney to fight them.
Their tactics are not allowed in most states, but try fighting that also.
When dealing with the Government and its associates -It is very hard to fight the system.
I had two student loans that somehow turned into six and it took me ten years to get that straigtened out.
Unless you are in our shoes and know the whole story. You'shouldn't judge us.
As You may be next.
PepperElf on 2009-08-04:
Join the military
you might get a year off from paying the loan.


otherwise, that's part of the penalty of having a loan
Soaring Consumer on 2009-08-04:
Just my thoughts, have you gotten in contact with your state's Office of the Attorney General?
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Drivers license leverage?
Posted by on
CALIFORNIA -- GC Services explains to me that I must pay them in full or I will never be able to get a drivers license. I failed to appear on a seatbelt ticket in Chowchilla (Central California.) Chowchilla's ensuing bench warrant suspended my CA DL then went to collections. I am told by Chowchilla's court clerks that I may not fight my case, nor get a court date to appear and be heard, nor clear my warrant through them. They say that they don't have a warrant anymore and that I should talk to GC services about it.
Unless I spoke to uninformed idiots, the DMV and GC services are in cahoots. What is next... will a tow-yard hold your car until you pay your back registration?.....oh yeah, they do. :(

Usually jocund,

Mark
     
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Anonymous on 2006-06-30:
Go to court, and ask to speak to the judge then tell your story to him/her? According to a neighboor who was cited that seatbell law is like $375.00/ or you ask to pick up trash on the side of the road for a couple weekends. Good luck
Anonymous on 2006-06-30:
You got the ticket. You did not pay the fine. You did not go to your court date to plead your case. You don't have a valid drivers license, I know, it is everybody else's fault and the world is in "cahoots" against you. The state appointed GC Services to chase your deadbeat butt down so that they state does not have to waste their time and taxpayer expense.
Anonymous on 2006-06-30:
Seat belt laws are a symbol of how far we let our liberties be stripped away. The individual is almost extinct - Socialism in all aspects of our lives is upon us and the proles are none the wiser.
Brenda Leah on 2006-07-01:
Hello? You got the ticket, you didn't appear, THEN you let it go to collections. PAY YOUR BILL!
Doc J on 2006-07-01:
Pay the back fine. Seatbelts are a good thing. So is not smoking, eating less, and exercising. That something is a "good thing" shouldn't make it govt mandated/prohibited. A $375 fine isn't enough. I hope the penalties for non-seatbelt use rise to 3 yrs in prison for the first offense and execution on the second. Perhaps then, people would grow enough backbone to tell govt leadership where to shove their nanny-state laws.
Ponie on 2006-07-01:
Stew, my sentiments exactly. However, a law is a law is a law. Doc J, I'm sick of the 'intellectual' know-it-alls who consistently tell me and attempt to enforce 'what's good for me.' If I want to eat Big Macs 5 times a week, clog my arteries (according to them) and drop dead from a stroke or heart attack--so be it. It's my choice. Because it's not the one bleeding hearts agree with, that's their problem, not mine. I've tried to enlist the support of my elected leaders on these issues, but the touchy-feelies have more time on their hands than I do. Don't these people have honest paying jobs?
Doc J on 2006-07-01:
Ponie-Yes, they have jobs. And, they just gave themselves a raise. If someone wants to eat 5 Whoppers/day fine by me. Just so long as they pay for their CABG and stroke rehab with their own money and not as part of my insurance pool or (gag) Medicaid. BTW: Ponie, not sure you read my whole comment above. LOL.
Anonymous on 2006-07-01:
The modern day touchy-feelies are the so called conservatives and religious right. They want to touch and feel every aspect of my life. Funny thing - the people behind today's right were the same people behind yesterday's left. Sheryl Crow said it best - "I like a good beer buzz early in the morning" - works for me.
warddw1526 on 2006-07-01:
Whether or not you believe in seatballs laws, the fine is still valid. Pay it. They use collection agencies, and suspend licenses, because they have to do something or people would just simply not pay fines.
Frenchie on 2006-07-02:
It is a shame that most of the posts have nothing to do with the question as posed. Warddw you have no knowledge if the fine is valid or not. Stew your last post makes absolutely no sense except for your bias.

Now to the point -- go to the City Police/Municipal Court
and get youf file and read it. If you say the warrant is not active, then it was pulled -- the file will so state.
Do Not engage in conversation with GC Services have them send everything to you in writing, dates, etc.
Since I am not sure who gave you the ticket/summons, if the
date of appearance was on it, time etc. So I am not sure if
it will hold water or not. GC in and of itself cannot hold your license (unless Calif is different) they are not
by law able to do this so they act like they can.
If you feel you are right and being "railroaded" send a letter (registered, return receipt) telling your story but admitting no guilt --watch how you word it. Include a
money order for the exact amount of the seat belt only fine
(maybe $10 to $15.00) --mark on the money order payment in full for such and such. I don't have time to go into more as I don't know all of the particulars. If you are giving us a "con" game in your post, then you pay the price, I
hope you are honest.
Frenchie on 2006-07-02:
I need to add -- when you send your first letter (the reg. one) do not send the money then. Ask them for a complete
information form of the charge/complaint against you. Tell them no telephone calls will be accepted. If they call you, tell them you will not discuss on the phone and
for them to put and send everything to you in writing.
As I wrote previously, I just don't know enough of your
situtation, except tham I am very familiar with GC Services
Anonymous on 2006-07-02:
Frenchie the only question posed was "What is next... will a tow-yard hold your car until you pay your back registration?.....oh yeah, they do. :(" - They answered their own question. I think like most of the posters they were posting their outrage and not seeking ill informed legal advice from anonymous commentators. There are only two options; pay GC as they are the contracted collector for the city or don't drive. Not really that difficult. Many state and federal agencies are out sourcing the collections to private contractors. The collectors acting as an agent have the same powers as the State & Fed.. IE student loans, Federal taxes... The poster admitted he failed to appear on the seat belt violation - Guilty. This would be difficult if not impossible to appeal unless as a violation of civil rights which has already been decided by the federal courts.
Frenchie on 2006-07-03:
Stew you are not correct in that GC has the same powers as the State (unless Ca. if different in its laws from other states).
athomass, you are very correct in your post and though I was aware of your class action suit, I did not mention it for I believe there are some "facts" missing in this original post I have followed GC for years and also had
a situation with them, but I got them to back down, and leave me alone.
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VERY rude service, inappropriate language
Posted by on
ATLANTA, GEORGIA -- I call them with intention to settle my account in full using my credit card. I was told they don't accept credit cards and I can pay only via my bank routing info. But alas, even this simple task was above they skills. The associate I was initially dealing with couldn't find Bank of America in the list of available banks! Second associate told me literally to ".... off" because I gave him head ache. He would not say his name neither transfer my call to a supervisor saying that I don't need this information. Beware of this company!!!!!!
     
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voiceoff on 2007-04-06:
Who were they collecting for?
Talk360 on 2010-02-20:
That's crazy I had similar experiences with a lot ya,this company has always insults & sadism each conversation I have had with them.A lady put us on hold, I discussed the questions we had with my spouse she came back on the line, accuse us of plotting against her deceiving information. Not being honest, told us everything was recorded she heard what we said, if this was true she could have helped us farther along we had plenty of info about our accounts. They called me first we called back to see which account they called for, they could not find our information. We were honest- and once a guy called "said I couldn't record our conversation, said something smart & hung up on me. "Very Rude" every agent there I spoke to has not been able to help me with any business syndicated to this company especially (GE Money is the same way, they tie for the same ranking status in my book). Contradicting information always gets told, they lack communication skills, "Never back ppl up in a corner, they will never rise up if you don't back down a bit. Allow they wrong to admit the bad past and help mend the situation for good. Special circumstances require pre selected script to better make a collection call possible.
Alain on 2010-02-20:
You may want to check your rights regarding this or file a complaint about their behavior. The Georgia Office of Consumer Affairs may have some advise for you on this at consumer.Georgia.gov or 404-651-8600 (800-869-1123 toll free).
Talk360 on 2010-04-12:
Thanks, Alain I'm glad I'm not the only one that thinks that was wrong.
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GC SERVICES = SCAM ALERT
Posted by on
MARYLAND -- I too got a bill from GC Services Limited Partnership Collection Agency Division 6330 Guifton, TX 77081.
PO BOX 2667 (056)
Houston, TX 77252-2667
Dated October 17, 2006

SPRINT was the company they were supposedly representing this time.

I had recently moved...less than a month ago.
But the key here is: My bill was paid....I called SPRINT...they do not know of a GC Services Company

In the letter they ask for your HOME PHONE NUMBER, NEW ADDRESS, EMPLOYER, EMPLOYER ADDRESS

They also ask you to remit your payment to:
PO BOX 95366
Atlanta, GA 30347

They also use the exact company monogram of the REAL GC Services Company.

I called this company....got an answering machine and was put on hold forever.

God, I can only imagine how many people have been scammed by them.

I checked a website (I believe it was called ripped off.com)and found that many others have all ready been faced with this scam.

GOOD LUCK TO ALL
     
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DebtorBasher on 2006-10-20:
Great Post and I'm sure you will be helping a lot of people with this warning...good for you for checking them out first.
Anonymous on 2006-10-21:
Yes, Great post and thanks for the information I think this is becoming like an epidemic with these kinds of scams.
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