Please READ ALL of the INFORMATION I HAVE WRITTEN HERE and then TAKE IMEDIATE ACTION. The amount you have just been ripped off for is not huge, and the work we MUST DO to STOP these Crooks takes about three hours of our personal time, HOWEVER, Imagine that just 500 people (and this is a conservative figure) applied on line for a short term or payday loan on one day, and were 'HT' by these crooks for that $24.95 fee (of which the consumer (you) were not aware) for "CONSUMER ID and FRAUD PROTECTION" they contend to peddle, and NO ONE TOOK ACTION? These CROOKS will have pocketed $ 12,475 in just ONE DAY. MULTIPLY this by a conservative 5 work days in a week, you get $62,375 times 52 weeks in a year the sum they have now pocketed is THREE MILLION, Two Hundred Forty Three Thousand and Five Hundred Dollars !! AND this is using just the conservative figure of 500 INTERNET USERS. We can't stop them unless we act. ACT TODAY. PLEASE. If you have ever gone on-line and simply 'googled' the words "Payday or short term loan" you know that there is some sort of 'spy' system planted within this search that quickly identifies your computer and then your every move . Soon (within 1/2 an hour) your e-mail box is infiltrated by over 200 UNSOLICITED e-mails from companies who show their Company name as being one of a LENDER, when in fact these underhanded companies turn out to be 'brokers' of loan applcations, and Marketing companies for a variety of products you have never heard of and would never desire in the first place. Next thing you know, your BANK Account is "HIT' (debited) for fees , anywhere from $10,$15 and in this companies case $ 24.95. The compnay presents an unsigned check, complete with you name, address and phone numer, to your bank or credit union. You have no idea who or what this is for, so you begin to research. Of course there is a telephone number on the 'check', which was presented for payment, and you immediately call this number,ONLY to receive the run around. FORGET CALLING THESE CROOKS and PLEASE, WHEN YOU REACH THIS POINT, IMMEDIATELY CONTACT YOUR BANK or CREDIT UNION AND HAVE THIS 'CHECK" (debit) REVERSED FROM YOUR CHECKING ACCOUNT as An UNAUTHORIZED, UNKNOWN debit. yOU WILL NEED TO SIGN A DOCUMENT WITH YOUR FINANCIAL INSTITUTION TO MAKE THS HAPPEN, BUT DO IT AND DO IT NOW!!! PREFERABLY ON THE DAY THIS DEBIT 'HITS' YOUR BANK FOR THE FIRST TIME. STEP TWO .. GO ON-LINE TO THE 'FEDERAL TRADE COMMISSION' ALSO KNOWN AS THE FTC ( ) AND FILE A COMPLAINT. 1st SPEND SOMETIME REVIEWING THE COMPANY INFORMATION THAT WAS FOUND ON THE 'CHECK' THAT WAS SENT TO YOUR FINANCIAL INSTITUTION. THEY WILL PROVIDE YOU WITH A COPY, OR IF YOUR BANK OR CREDIT UNION IS AS UP TO DATE AS OURS IS, WE CAN GET COPIES ON-LINE. Gather as much information as you can, including company NAME (names) , researching any links that may be assocaited with this site, BUT BE CAREFUL as you tiptoe through this site as it will try to capture more information from you and 'HIT' your bank or credit union again. DO NOT fill in any forms or answer any questions. Your mission here is to read, Read, READ, paying close attention, trying to learn how these CROOKS, who are charging you for CONSUMER ID and FRAUD PROTECTION, (how underhanded can one company be?) have managed to sucker you into giving them access to your chcking acount to pay them this fee. I have found that many of these companies are made up of LAWYERS, or at least have two ot three LAWYERS on their payroll, who have taught them how to manipulate Lending Laws and many times these so called U.S. Companies are actually OFF-SHORE or Over Seas companies, who manage to operate using the WORLD WIDE WEB to HIDE their ILLEGAL activities. You will also need to file a report with your local authorities (police or sheriff's department to get a case number to provide to your financail institutuion, when filing your claim of checking account fraud. Please help out your local authorities by bringing your information to their offices, rather than having them come out to your home to file a complaint. Ye, they will come to your home, however there are currently SO MANY companies who are operating fraudulent business on-line that local police are extremely busy taking these reports, and it is COSTLY to every tax payer in the US. Next file an ON-LINE complaint with the FBI , providing them with the same information you have provided to the Federal Trade Commission. Pleae follow through with ALL of these steps. It will get your money back to you immediately (or to your checking account) and you can also BLOCK this company (or any of its affiliates from ever debiting your account again) Further it is the ONLY way Persons , who are operating these companies through many, many laers of corporate veils, will ever be caught and brought to justice. Spending your time arguing with these Crooks does you NO GOOD and they are betting on the chance that you will NOT fight this, for several reasons. Many people, such as myself, will feel embarressed to let others know of the stupid action they took trying to get out of a financail tight spot. GET OVER IT. In today's economy even your next door neighbors, school teachers, firefighters, people you would least expect to be suffering money problems, are indeed suffering money problems and have taken the same steps in trying to get ourselves out of a bind. YOU ARE NOT ALONE IN THIS. Also these crooked persons are counting on the fact that the amount is small, therefore you will not take the time to pursue actions against them. DO IT PLEASE. Yes, it takes time, but INTERNET FRAUD IS BIG and if we do not start working on this in large numbers, these CROOKS will contine to scam LARGE NUMBERS of People. PLEASE TAKE ACTION and DO IT NOW. Thank you