Category Archives: Scams

Is Payoneer Better Than PayPal?

PayPal has worked for me for several years and, while they have been mostly good to me, when you do need help, their customer service is practically non-existent. I had a horrible experience with them recently that has made me decide not to use them any longer for a while. I'm almost exclusively a seller and almost never a buyer which makes PayPal a poor choice for me it seems now. I have never had a dispute in all the years I've used PayPal until recently and I can not forgive the way PayPal handled that dispute. If you want to hear my story, read on, if you want to get right to using Payoneer as I suggest if you are a seller of goods or services like me, use this link to sign up for Payoneer now:

https://share.payoneer.com/nav/Z0p1ilVwR6cXc5rK-hfGzOqAEhykGqdX9Q20h_PXFPXbJvtO-8cjY1wD_4Db8uwuUY0QGJmc9EVKLQ-V_ld1OA2

My Experience with PayPal

My bad experience that makes me want to completely stop using PayPal has to do with a former client of mine that filed a dispute after I had to inform them that I had to quit working for them because another client needed me(the other client that needed me has been a client for many years and the client I quit working for was new). When I quit working for the new client, he still owed me roughly $200 in my opinion. He had paid me a deposit of $200 when I started working with him because I always get a deposit to protect me from newer clients. I had completed a total of $400 worth of work before I quit working for him however, so really he still owed me $200. I was going to forgive the money he owed me however, since I had quit because I figured he wouldn't pay it anyway. So, for being a nice guy, the new client rewards me by filing a dispute on PayPal asking me to return $95 to him! I was shocked, but had confidence that PayPal would see it for what it was, an attempt by a client to get his money back even though I had completd the work, Fraud. So I refused to return the money and he escalated his false claim. To my surprise, without doing any investigation what-so-ever, PayPal made a decision in his favor. Okay, so I lost, I could have handled that without closing my account, but the kicker is that they didn't just reward the client the $95 he was asking for, they reversed the entire $200 payment he ad sent me! After losing the dispute, I first tried to call PayPal's "customer support" and was told I would have to wait on hold for over an hour! I waited on hold regardless of the ridiculous amount of hold time, but the call was never answered so I gave up after over an hour of waiting for a human to speak with about my issue. Then I sent them sent an email asking them why and got a computer reply that had absolutely nothing to do with the questions I asked in the email. So obviously, I was getting nowhere and it is clear now that I just got ripped off for $200 by PayPal and my former client. So, hello Payoneer! I'll let you all know how this new payment method works for me. Hopefully better than my experience with PayPal! Again, here's the link for Payoneer if anyone else wants to check them out:

payoneer.com

My experience with Payoneer

So, while I am new to Payoneer, I will post my experiences here so others can benefit from them. First off, if you want or need to get your money immediately(Like you could with a PayPal Credit card if you were lucky enough to be approved), then Payoneer might not be the best service for you. I sent out my first invoice several days ago, on a Thursday to a client I completely trust and that client informed me that he paid the invoice immediately that same day, so the invoice was paid on Thursday. It is now the following Saturday and the invoice is yet to be even marked as paid in my Payoneer account. That kind of worries me. I read in their F.A.Q. that it can take from 3-5 business days, so luck me, it's the weekend! Right? Oh well, so that means it has only been one business day so far and the fifth business day would be next Thursday. I have to say that it it in fact takes that long, I won't be happy with the services at all. On the other hand, it the payment is in my account by Monday or Tuesday, I will be satisfied, not perfectly happy, but barely satisfied. I currently hate PayPal so much that I don't mind waiting a few days to get paid another way. However, a week is too long, so I'll let you all know asap when I can actually get the funds that were sent to me last Thursday. FYI, here's an image from Payoneer's website regarding information about the billing service I used to send my first invoice to my long-time trusted client:

payoneertable

Troy Warren of LetsTalkBusinessRadio.Com is Scamming for Free online Work

I get so sick of people taking advantage of me online that today I added the "Scams" category to my blog. Troy Warren of LetsTalkBusinessRadio.Com is the client that has motivated me to put up this unfortunate category when he neglected to pay for services rendered by myself. I want to expose people like Troy Warren so it doesn't happen to someone else. If this post prevents one person from working for him and getting ripped off, I'll be glad I posted it. The amount he burned me for was not that much, which makes it a worse scam in many ways because if he was willing to stab me in the back over less than $200, think how quick he would be not to pay someone on a larger job. I don't know this person, Troy, from anywhere but from the client who referred him to me, but he acted like he was a big shot marketer who had plenty of money which caused me to let my guard down a little with him, but regardless, this is just one of many examples of why freelance workers online should always get at least a percentage of their payment up front EVERY TIME. I started out doing a small test project with Troy and accepted a small amount of money upfront before starting. Again I was careful as always with this client, but in the end, he still got me. It is really sad that we have to live in a world with people like Troy that we can never let our guard down in front of, but that seems to be the case. The best advice I can give freelance workers who conduct business over the internet, is to collect as much money up front as possible. I normally won't take on a new client without collecting at least 33% upfront and I try to get half. That way, if I do get ripped of, the sting is a little less than if I were to get taken for the entire project cost. Anyway, this will be the first of many posts on Jafty.com that exposes scammers like Troy to the online world. I may post some of the people that have scammed me in the past here as well if I can find their information. I will post all of Troys info below that I have to help others avoid working for this untrustworthy online predator. I also encourage others to post about people who have scammed them by not paying for services rendered. Let it be known that Troy never had a problem with the work that I did that he mentioned and we had a long conversation over the phone in which I was clear about what I was going to do and what I would charge him, so there was no excuse for him to justify withholding my payment. In fact he kept saying that he would pay it for 3 or 4 weeks in a row and failed to every time even though the agreement we had stated that he would pay on the first Friday after starting the work. I both started and finished before the first Friday and that Friday and every Friday after that, he had a new excuse for why my invoice was not paid. Now, I've heard of bad luck, but if you have time to make up so many excuses, you surely have time to log into PayPal and make the payment! I said this to Troy and he blamed it on his "Bookkeeper" I've never dealt with his bookkeeper before, so I don't know why he thought to blame it on a probably fictional bookkeeper, but that was the gist of most of the excuses. When I asked why he didn't just log into PayPal himself, he kept silent avoiding that question. More to come folks!

If anyone else would like to expose a scammer such as Troy Warren, I have now opened up my site to contributors and any creditable scam report will be published. Simply use the Contribute link in the main nav of this site and sign up to become a blogger and you're in!