[samsamsam]

(05-14-2013 07:47 PM)AlbertoDelMuerto Wrote:  

OK smart-ass, do you know how much time and money it costs to look into such matters? They aren't going to spend all that for a tiny amount like $5k, which I intend to pay off. It might be "fraudulent misrepresentation", but they don't have the time to look into it unless "you" tip them off .

In America, it is easier going after small fry like you in this case, than going after Investment Banks, etc. who knowingly sold their clients bad products etc. You hear about small guys all the time, rarely does it seem some large corporation takes a hit. If anything, they settle without admitting anything and for less cost than the money the made. People get arrested for shoplifting small items, it would be pretty foolhardy to think that you won't get caught when your intent was to fabricate stuff to get the loan.

Your case would be easier to prove than the ton of work without a certain outcome like some of these major cases. And they can the authorities can boast about it. Also, think about the institution you borrow from, it doesn't want to develop a reputation of letting people borrow money and not pay it back. They have every interest to prosecute to protect their reputation. They have departments full of people to address this stuff.

Whatever you do, don't be like the younger generation that wants to post everything on FB. It is amazing that kids actually do that - commit a crime and post it on FB.

[el mechanico]

Alberto some of the places that do lasik will finance and or you can get insurance here that covers it if you wait a while.

[samsamsam]

(05-14-2013 08:54 PM)AlbertoDelMuerto Wrote:  

(05-14-2013 08:44 PM)Menace Wrote:  

Curious as to what this money is for. Consumer goods? Travel? Investment? Is this for your EU trip or what?

LASIK! My vision is getting worse, and I look a lot better without glasses.

Maybe you could just offer to do some work for the dr. to pay it off. Save the headache of all this stuff. You might think it is a stupid idea, but better than fabricating stuff to get a loan. Or if you have a skill barter with him. I have a friend who bartered services to an architect to have plans drawn on his $1M house. So it is possible.

[jimukr104]

[quote='AlbertoDelMuerto' pid='446102' dateline='1368575168']
Like el mechanico said, we definitely got some white knights on here who claim to have arrested people like me. I can't help but laugh at the guy who said it's a criminal offence. In order to prove criminal offence, you've gotta come up with motive. just because I do not work at this moment does not mean that I won't start working again. I have money coming in and going out of my bank account, it's not like money is only going out. My question to that white knight guy is, how are you going to prove my criminal intent?
[/quot}
Wrong. you watch too much columbo. Intent NOT motive is needed. Putting wrong information, falsifying in anyway and proof of that is all that is needed. If they want to report it they can. As for how easy it is to prove, that's something else. Doesn't make it less of a crime because its hard to prove. Just drop it, you are coming across like an ass. All we said was that it is a crime, NOT a civil matter.Nothing you say is going to change that fact. If you get caught or reported even is another matter.Just stop calling it something its not and then arguing about it. If you think what you want to do is an innocent endeavor with no risk than by all means go ahead.Be thankful that a few members bring up the potential risk involved, although maybe slight. Best of luck!
I said I arrested people LIKE you(retired NYPD), as in being SOMEONE who has done crooked stuff.NOT FRAUD related stuff, but any crime where there's a complainant leads to an arrest. Its up to the legal system to determine innocence or guilt.Its not a white knight situation. We are not some one horse town lol. If there is a complainant(victim) an arrest is being made.Oh and you guys watch too many movies. Miranda rights are not read when we arrest someone based on a complainant being present. We are not going to interrogate you, we can care less. You aren't a suspect. You are being held because a complainant has accused you. Any guy who has had a bad marriage know's what happens when an angry women makes a complainant.You get arrested regardless of being innocent.Anyone can have anyone arrested basically.I personally love criminals so don't think I am being a white Knight.I got well paid and an awesome pension for life thanks to the existence of crooks.But kind of stupid to be using PUA terminology here. Next you going to be calling the bankers who you dupe beta orbiters, lol. You crack me up, just do what your going to do and be quiet about it. Many people get caught because they brag and someone reports them.
My statement of fact wasn't so you would get all bent out of shape and feel you have to argue back and forth with me.I simply was letting you know it is a crime(felony). Accept that and stop arguing. Worldwide also bought it to your attention its a crime and you argue with him. If you don't want forum members posting comments to your posts then DON'T write posts on a public forum.You should just thank us for telling you the truth, that it is a crime. Would you LOVE us more if we LIED to you??(rolls eyes). Now you can make a decision about what you are going to do knowing FACTS.
Also these things are NOT always too hard to prove. Especially when the crook has the brains of a 4 year old...ex. bragging about it on facebook or posting idea in a public forum. Shit happens.

[AlbertoDelMuerto]

(05-15-2013 02:07 PM)el mechanico Wrote:  

Alberto some of the places that do lasik will finance and or you can get insurance here that covers it if you wait a while.

Yea some places have financing options, but only for UK permanent residents, because most payment plans are for 3 or more years. I would not have even thought about taking out a UK loan, had it not been for the few international students at my college who claimed to have done that.

According to the credit-check company, I have little to no chance of getting a loan,but I might be able to get credit cards with very low limits. However, my bank tells me, if I get registered with the UK electoral roll, I might be able to get a small loan.

[bojangles]

You can't get registered on the UK Electoral roll unless you are a UK, EIRE, EU or commonwealth citizen.

[AlbertoDelMuerto]

(05-16-2013 04:33 AM)bojangles Wrote:  

You can't get registered on the UK Electoral roll unless you are a UK, EIRE, EU or commonwealth citizen.

Damn! Thanks for the info, man.

I suppose I'm better off waiting till I head back to the States if things don't work out well. Eastern Europe is a tad cheaper for LASIK, but I don't know if they're very good at it. As for going to Asia, where I'm sure LASIK is dirt cheap, it's still a lot of money wasted on flights and hotels.

[snoop]

(05-14-2013 07:47 PM)AlbertoDelMuerto Wrote:  

OK smart-ass, do you know how much time and money it costs to look into such matters? They aren't going to spend all that for a tiny amount like $5k, which I intend to pay off. It might be "fraudulent misrepresentation", but they don't have the time to look into it unless "you" tip them off .

How much does a civil suit cost for a bank?

What are the criminal penalties if you get caught?

[bojangles]

well in the UK, we have bailiffs, you will track you to the ends of the earth for anything from £1 owed to £1 million owed, followed by county court judgements etc. We have payday companies harassing people for repayments, quite a few suicides from that. these companies will want their money back, no matter what the figure is. remember even if they take you to court and it costs them £1000s, they'll get that from you when they win the case.

[The Fantasist]

(05-17-2013 04:16 AM)bojangles Wrote:  

well in the UK, we have bailiffs, you will track you to the ends of the earth for anything from £1 owed to £1 million owed, followed by county court judgements etc. We have payday companies harassing people for repayments, quite a few suicides from that. these companies will want their money back, no matter what the figure is. remember even if they take you to court and it costs them £1000s, they'll get that from you when they win the case.

Not true.

I borrowed 20k on credit cards and pay-day loans and then moved house and didn't pay them back. They never caught up with me or hunted me down.

I then changed my surname and re-applied for the same credit cards again and opened a bank account in the same branch of HSBC that I ripped off 2 years earlier, no questions asked. I am now just building up my credit with them before I take them to the cleaners again.

Remember it is NOT illegal to borrow money and refuse to pay it back, it's only a civil matter in the UK. You can't be in trouble for being rubbish with money. If the bailiffs ever caught up with me I would go bankrupt immediately and then they can't touch shit ( or just move house ). My friend has done it about ten times. The problem is once you go bankrupt you must declare that on future credit card applications. If you don't then it is fraud and that IS illegal.

[bojangles]

(05-17-2013 04:27 AM)Vorkuta Wrote:  

(05-17-2013 04:16 AM)bojangles Wrote:  

well in the UK, we have bailiffs, you will track you to the ends of the earth for anything from £1 owed to £1 million owed, followed by county court judgements etc. We have payday companies harassing people for repayments, quite a few suicides from that. these companies will want their money back, no matter what the figure is. remember even if they take you to court and it costs them £1000s, they'll get that from you when they win the case.

Not true.

I borrowed 20k on credit cards and pay-day loans and then moved house and didn't pay them back. They never caught up with me or hunted me down.

I then changed my surname and re-applied for the same credit cards again and opened a bank account in the same branch of HSBC that I ripped off 2 years earlier, no questions asked. I am now just building up my credit with them before I take them to the cleaners again.

Remember it is NOT illegal to borrow money and refuse to pay it back, it's only a civil matter in the UK. You can't be in trouble for being rubbish with money. If the bailiffs ever caught up with me I would go bankrupt immediately and then they can't touch shit ( or just move house ). My friend has done it about ten times. The problem is once you go bankrupt you must declare that on future credit card applications. If you don't then it is fraud and that IS illegal.

Yeah but you had to run and change surnames haha, Alberto is studying here, he can't exactly run away from his studies which would fuck up his future prospects.

[The Fantasist]

(05-17-2013 04:29 AM)bojangles Wrote:  

Yeah but you had to run and change surnames haha, Alberto is studying here, he can't exactly run away from his studies which would fuck up his future prospects.

True although I only moved 9 doors down.

The funny thing was that I made the stupid mistake of changing my first name too. I got jobs with my new name but forgot it constantly so a colleague would say "Daniel can you get me a...." and I'd be oblivious and ignore them forgetting I was meant to be called Daniel instead of my real name. Only change your surname!!!

[bojangles]

(05-17-2013 04:41 AM)Vorkuta Wrote:  

(05-17-2013 04:29 AM)bojangles Wrote:  

Yeah but you had to run and change surnames haha, Alberto is studying here, he can't exactly run away from his studies which would fuck up his future prospects.

True although I only moved 9 doors down.

The funny thing was that I made the stupid mistake of changing my first name too. I got jobs with my new name but forgot it constantly so a colleague would say "Daniel can you get me a...." and I'd be oblivious and ignore them forgetting I was meant to be called Daniel instead of my real name. Only change your surname!!!

haha you sneaky bugger

wait...are you really Vorkuta?

[AlbertoDelMuerto]

Thanks for the heads up Vorkuta!! I'm applying for the House of Fraser card right now, let's see what happens.

[InternationPlayboy]

I tried getting a credit card with no job and they didn't even respond to my request.

[AlbertoDelMuerto]

(05-19-2013 08:14 PM)InternationPlayboy Wrote:  

I tried getting a credit card with no job and they didn't even respond to my request.

I got turned down like 3 times already! It's time I applied for a card in person, no more online applications.

[1Minute]

(05-12-2013 11:44 AM)AlbertoDelMuerto Wrote:  

(05-12-2013 01:20 AM)1Minute Wrote:  

What kind of chickenshit is this? You really don't want to have your word be trustworthy? And what are even going to do with this money? You didn't mention that at all in the thread.

Does anybody else think this thread is weak as shit, and wouldn't lend a fucking dime to this guy?

Whoah Whoah hold on a sec!You seem very defensive dude, it's none of your business why I want the money in the first place.

Setting up a sham corporation like elMech suggested is the only way to pull this off, I have a few acquaintances here who have been living in London for 10+ years, I am gonna talk to them about it.

Oh and my credit score dropped to 750, thanks to a couple of failed direct debits from last month.

What the fuck am I defending? I'm saying you're a fucking loser. That's it. Yeah it's none of my business "Why I want the money in the first place." Yeah dude, follow the advice of a mechanic on business entities: just eHow "S-Corp" and throw phrases like 'sham corp' around. Practical experience need not apply.

[1Minute]

(05-13-2013 08:35 AM)el mechanico Wrote:  

(05-13-2013 12:18 AM)1Minute Wrote:  

Besides what I said. I'd love to learn about the actual countries (or legal entities) where we can register these. Vanuatu has started drying up, but if you know where to look, let me know. I know RVF isn't the kind of forum where people hype up bullshit without providing data on where they've been and what they've seen.

Um... United States?
http://www.ehow.com/how_4528207_set-up-s...ation.html

I surprised to see how much fear/ paranoia is on this thread. I fear these people about as much as I do a stripper, maybe less.

So what S Corp's have you started that don't ask for names on the articles of incorporation's directors, officers or shareholders? Where are they incorporated? And don't just link to an eHow article... Nevada LLC's talk about how they don't give up information to the IRS, but the fact that you haven't brought that up tells me that business entities are not quite your first priority.

"1 minute, WTF are you talking about? They give that shit to anyone and 24 hours for funds in your account. Not only do they give it they fight for your business."

Have you actually opened a merchant account? What banks have you opened accounts where they extend you credit? Actual locations, not just forum discussion posts.

Please, prove me wrong.

[The Fantasist]

(05-19-2013 08:19 PM)AlbertoDelMuerto Wrote:  

(05-19-2013 08:14 PM)InternationPlayboy Wrote:  

I tried getting a credit card with no job and they didn't even respond to my request.

I got turned down like 3 times already! It's time I applied for a card in person, no more online applications.

You are fucked.

Once you are turned down and it's on your record it is nigh on impossible to get one for a period of time. The easiest one to get is HSBC. Open an account and they offer you one.

The most important thing to know is how to fill the forms in. You should say you are a home owner of 9 years with no mortgage. Make 50K a year. Married. That will tick the right boxes and you get a bigger opening amount.

I shouldn't say all this as I'm not particularly proud of my actions but back when the economy was good Amex gave me 5000 pounds when I applied. I bought a ticket to Bangkok immediately and spent the lot on hotels and whores. There was this high class escort agency in BKK that accepted credit cards so I'd phone them up and get two or three sent over all thanks to the lovely shareholders at American Express. When I came back to the UK I tried buying my train ticket home but my card was refused as it was empty. The ticket girl would not give me my card back either so I said phone Amex and speak to them. The girl phoned Amex and she handed me the phone. The guy on the other end said that the card was being confiscated as I had missed all my payments and had used all my credit so I said "no problem mate I've spunked your 5k on whores and cocaine, thanks for the ride, good luck finding me". The guy chuckled and I put the phone down.

[bojangles]

Haha that's fucking great. Yeah Alberto once you get rejected it makes it near enough impossible to get a card anywhere else. I think it's 3 months that it's on your report and some places they wont let you apply for 6 months

[el mechanico]

Quote:

spunked your 5k on whores and cocaine, thanks for the ride, good luck finding me"

Whut???? Jim did you here this fraudster?
I think a citizens arrest is in order! Do you have any operatives near where Vorkuta is?

[The Fantasist]

Alberto if you are planning on leaving the country after your studies just get a cheque book from your bank which are much much easier to get than credit cards and then just go to pay day loan companies and get advances on the cheques you write. I did it all over the north east back in my naughty days. They want some address proof though like a bill and some ask for wage slips. Just google 'replacement pay slips' and order some with whatever wages you want to put on them. It's all very easy.

[AlbertoDelMuerto]

Vorkuta, I'm leaving soon, either in September or January, all depends on how I do in my exams. As for Pay day companies, I tried one out online, and they were happy to offer me up to 500 pounds immediately. I was rejected by all Credit card companies due to the fact that I am not on the electoral roll. However, I opened a couple of Current Accounts with Halifax and Nationwide, and they have arranged O/D facilities.