Epayarea.com The Scam Debit Card Company

Epayarea.com The Company That Will Steal Your Money

EPAY CARD SCAM COMPANY AND THE COUNTRY PANAMA epayarea.com The Debit Card Scam Company

This website is dedicated specifically for the exposure of Epay Inc as a SCAM debit card company. The company's refusal to return approximately $1700 USD illegally stolen from my account using bogus financial charges leaves no doubt that Epay Inc is a SCAM company. This website will consist of current and future information that will expose Epay Inc as a SCAM company operating out of Panama. The country of Panama will also be evaluated in this site as complicit in the SCAM by allowing Epay Inc to operate within it's boarders with out any consequences. I warn all those that read this site to stay away from Epay Inc and financial companies that operate out of Panama that are not of sufficient size, with a financial history and a sufficient presence in both Europe and Asia to leave no doubt that they are not just another SCAM . There are still many financial pirates operating out of Panama so beware when entering it's waters. Beginning September 1st 2008 the amount owed to me has been resolved down to $1700 USD. For every month after this date(including September) a service and maintenance fee will be added to the amount Epay Inc or the Country of Panama owes me. Anyone or any organization may step forward at any time and pay the full amount which includes the service fees and I will consider the amount paid in full and I will retract this web site. Only the full amount will be accepted.

EPAY CARD SCAM STORY

Epay Inc (aka) epayarea.com and formally epay.vg is a SCAM debit card company that states that it is licensed to operate out of Panama. The following statement has been copied from their web site. EPAY Inc. is registered in Panama (No. 898161-1-514361 DV 1) and licensed by the Ministry of Finance (No. 898161-1-514361-2007-98107) to conduct financial services, e-wallet services, money transfer services, electronic payments processing, selling and funding debit cards, virtual credit cards and other related activities.

What happens here with companies like Epay Inc is that they start up possibly with good intentions (most of them not) and because they have no idea about what they are doing, start to lose customer money. They come up with elaborate explanations and then assurances of their quality controls but behind the scene there is chaos. This chaos turns to hopelessness which turns to take one persons money to pay off the other (rob Peter to pay Paul) which turns into finally grab as much as we can and disappear. The complete time line takes about 3 years and Epay Inc has been around for more than 2 years so they are right on schedule

Some of these companies are set up with specific time lines almost with a scientific method statistically calculating how long they can stretch out their scam with the cash on hand from customers before closing up shop and disappearing. Panama is directly responsible for allowing such behavior. All financial companies operating out of Panama should be required to post a large bond with the government to ensure such scam activities do not exist. Without such requirements and regulatory oversight by the government will only attract increasing numbers of companies like Epay.

I am a firm believer in privacy both personal and financial. What I saw in Epay Inc in the beginning was a small company with tremendous growth potential because it seemed to fit both the privacy and versatility parameters I was looking for in a part of the world that still believes in the right of individual privacy. I wanted to believe in Epay Inc even after their first debacle in 2007 when my friend in Europe warn me to get out of it. I invest for a living and because I still at that time believed that there are good people who have good intentions in the world, I stayed with Epay Inc when there were signs every where that the company was a possible scam. I have have been out here internationally long enough that I should have known. At this particular period in my life I was over whelmed with personal issues of a divorce and child custody being conducted on opposite sides of the world. Had I not been so distracted Epay Inc would probably never had a chance to rip me off.

I was so occupied with the divorce and the safety concerns of my two son's that I did not even pull up my Epay account and check it assuming the almost $4000 in it at the time was safe. It was not until the late spring of 2008 did I check on it and begin to use it to purchase airline tickets for my eldest son's travel to Europe and for mine to Panama that things started to stir. The ticket purchases went through but they also caught the eye of the scam operators at Epay as they saw my account quickly disappearing and they panicked. Remember this was getting close to the end of their three year maximum scam period and they were not about to let what was viewed now as their money all disappear. Epay Inc instantaneously and retroactively put in 27 weekly charges for $70 each for some type of made up penalties to totally drain the remainder of my account in one action. I quickly challenged this behavior assuming it was a computer error and warned them that this would be made public if not corrected. When they responded by stating that they would take legal action against me if I said anything about their operation I knew it was a scam. The legal action threat is the first response a scam operation comes up with to try and bluff or stall for time to clean the other accounts out and run for the boarder.

Anyone who puts their money in Epay Inc even if they are still operating will find it is a one way trip for their money. Even during the divorce and child custody period I had a strong gut feeling to get out of the Epay Inc account but the emotional circumstances at that time were to over whelming and the account was the last thing on my mind. I doubt that I will ever see a dime from Epay Inc but Panama is not going any ware and I view it as just as guilty as Epay Inc in this scam operation. Someone will eventually return my money plus expenses. I will start this we site and by the end of 2008 turn it over to employees overseas to run and expand on. They will be directed to concentrate on companies like Epay Inc and the country of Panama to expose the the country as a haven for scam companies and a place to stay away from.

PANAMA

I just returned from spending two weeks of traveling through Panama to get a a clearer view of what is really the true state of the country in economical, political, social and industrial terms. What I found was quit different than that advertised by the most respected international web site investment companies and forums. Exaggeration by such companies and the country itself is the best term for describing the discrepancy of what is promoted and what actually exist. The information presented on the web about Panama is best described as that on the level of a used car salesman. Some statements are very true and others are extreme exaggerations. I would not normally bother with writing such an article about any country believing that the truth will in the end administer justice to those involved in any scam operations. Events that have already been explained in this web site regarding the scam financial company Epay Inc operating out of Panama made this very personal. I also considered the fact that if I did not say something regarding a scam company operating out of Panama then there would be other victims and more scam companies would flock to Panama creating even more financial victims. I hope this web site will bring a change to Panama and allow it to reach it's potential as a great financial, commercial and ecological center in Latin America.

So what is the real truth about Panama and where will this truth take the country in the future. The example that keeps coming to mind is the old TV series ( I grew up in the 1950's and 60's) with the HULK busting uncontrollable out of its clothes. Panama is the GREAT HULK of Central America there can be no doubt. The question is whether it will take the dark path or the enlightened path to a truly independent commercial, financial and ecological center that will be the envy of not only Latin America but of the entire world.

I recently started to read a very down to earth refreshing offshore investment letter called the “Overseas Opportunity Letter” that stated that “Panama City is jagged around all its edges and dripping with potential”. The statement “Panama City is jagged around all its edges and dripping with potential” is very accurate not only for the city but for the entire country. It is a city popping at the seams with on going growth potential in action as I write this. The problem is that such wild growth takes it's toll on the infrastructure , the culture and the long term credibility and eventually the viability of the entire country. Panama has the potential to be the Hong Kong of the Western Hemisphere and a world class eco-tourism destination all rolled into one. After researching Panama for years as an investment potential and a retirement location for myself I have concluded this will be highly unlikely unless dramatic changes occur quickly.

People who have stayed in or do business in Hong Kong will say as I have since my visit there that there is an energy of commerce and life itself like no other place on earth. This energy is a rare combination of the Asian culture and the 100 years of British rule. I believe that it was the Asian cultural work ethic combined with the British financial system in an isolated area that has made Hong Kong the great financial hub it is. Panama has the same potential but it lacks the cultural cohesion and financial ethics that Hong Kong has. The United States was in Panama for almost a hundred years and dug and operated the Panama Canal but did like the Spanish empire before them, used Panama for it's own use and contributed little to the long term sustainability of the country other than the canal and good drinking water.

The United States used Panama for the control of the canal as a strangle hold on world commerce and as military bases like the Spanish Empire used it of military bases and the transport and storage of treasure stolen from the Inca Empire. Neither country contributed anything to the long term peace and stability of Panama they just used it and in the year 2000 the country was sent on its own independent voyage. The country has done remarkably well in the past eight years considering neither of it's previous two parents had very high moral standards. What flowed into Panama immediately after the United States departure was the financial offshore institutions from almost every non third world country. Panama allowed the Good, the Bad, and the Ugly to enter and set up shop.

The GOOD are the reparable banks, financial firms and corporations that have done a great deal for Panama, raising it to almost a world class financial center. The BAD are the smaller unregulated, unsupervised scam companies that are parking themselves in Panama knowing that they can operate with little interference from the government. The Panama government is to busy courting the big players to worry about the damage the small riff raft companies do to the countries reputation. This will in the end be one of Panama's major down falls. World financial centers live or die by the reputation they acquire by maintaining proper control over all financial entities regardless of their size. Panama has failed miserably in keeping out such riff raft scam companies like EPAY INC for which this web site is about. The failure to properly regulate and ensure the companies like EPAY INC are sufficiently bonded is like leaving the door to the chicken coup open for the fox. Every time companies like EPAY INC are allowed to rip customers off with out any consequences will add another weight on the back of Panama will in time crush its reputation. Panama is directly responsible and liable to those individuals that are ripped off by scam companies that it let in the country to operate without proper review and without sufficient financial bond posted.

The rest of this site will be in two parts (1) Part one will be The Epay Card Scam Story followed by the letters and emails already sent out, some of which have already been posted on numerous scam notification web sites. (2) Part two titled THE GOOD THE BAD AND THE UGLY will be about Panama and my view of its future as a viable financial center, and commercial and eco-tourist center. I will start this sight but will turn it and other web sites over to my employees to research, write about and publish stories about scam companies that operate in any way out of Panama and to tell the true story of where Panama is heading. If my money is returned with expenses and an apology I will consider with drawing this sight considering that Panama and Epay Inc have assumed responsibility for their actions. An account will be kept and eventually regardless of how many years it takes someone will pay.

LETTER TO THE DEPARTMENT OF FINANCE OF PANAMA

Vice-department of Finances Bird Peru, Old Building of Estate and Treasure Panama City Republic of Panama E-mail: prensa@mef.gob.pa June 20th 2008 Dr. Héctor Alexander Ministro de Economía y Finanzas

The attached three letters already sent to epayarea.com and posted on several SCAM notification web sites will explain the basic nature of the SCAM. Since the company states Panama is their country of operation it is my duty to notify your office that EPAY INC is a SCAM operation and that Panama has a duty to shut such operations down. Failure to do so will implicate Panama as an accomplice in such behavior. In addition to the continued posting of EPAY INC as a SCAM operation on independent SCAM web sites I will have my people start individual web sites dedicated to EPAY INC as a SCAM operation operating out of Panama.

If EPAY INC does not return my money and Panama turns a blind eye to such a SCAM operation I will have no choice but to go after Panama in the same manner as I will EPAY INC. This is not what I want to happen but I will have no choice out principle for I will not let any individual or country cheat and SCAM me. I ask that your office remind EPAY INC that such behavior is not acceptable and has it's consequences. I have given EPAY INC until after July 7th, 2008 to return my money to the e-gold account and apologize or I will launch every method for as many years as it takes for the return of my money plus expense. This is in the best interest of both EPAY INC and Panama to resolve this issue quickly. Regards,

E-mail: support@epayarea.com Fax: (507) 996-3177 Phone: (507) 202-1559 EPAY Inc. Edif. Neptuno, Local #7 Via Ricardo J Alfaro, Tumba Muerto Panama City, Republic of Panama info@epayarea.com

EPAY CARD SCAM-EMAIL LETTER SENT TO EPAY INC

After reviewing this entire incident I find it even more bizarre and incredible than the first time through so I will review it for Epay for the web site that will be necessary. Your current emails state that your support service operates 7 days a week and it gives replies within 24 hours. I find this amazing when considering that if your customer service was so efficient that it did not in the alleged past 6 months know that there was a problem with their monthly card fees on my card. I originally picked Epay because the company in my opinion was annal retentive (in a good way) and if there were any problems with the core Epay account or it's associated cards that I would be informed by the internal message system within their web site and most assuredly when I purchased a card statement. This has proven to be a mistake on my part as I was deceived as I am sure others have into believing that Epay was actually on top of their business. A close friend in Europe warned me after the virus/hacker debacle experienced by Epay in 2007 to get my money out of the company that there were more potential problems to come. I said I would stay to see if they had learned anything, which turned out to be a mistake.

As of the March 17th statement there was $3736.30 USD credited to my account and no indication that anything was wrong nor was there any messages regarding any problems on my message board within my account. The proper Venue for first line of communication should have been my internal message board not external emails. Epay claims that they sent emails to my regular email account which is a Hushmail account and that they all “bounced back”. I find it incredible that Epay did not use their own internal secure message system and secondly they used and external email where their emails as they claim continuously bounced back and they did nothing about it nor did this not raise a reg flag. A responsible company would have (1) Sent all communication regarding any deficiency or problems or suspicious activity regarding the card or the core account immediately by way of the internal account message board. (2) If there was no response then the next step for a responsible company would be to try contact by an external email. If there was a “bounce back” as Epay claims then this should have raised even more concern which should have moved them to step 3. (3) If the previous two methods failed Epay should have picked up the phone and called the phone number on recorded to let me know there was a problem which of course they did not. The phone number has since yesterday been deleted by me from my records to prevent any harassment by Epay in what looks to be a future confrontation. (4) If the previous 3 choices had not proved successful then there should have been an immediate letter sent to the address on record informing me of a problem which Epay did not do.

Altering preexisting financial documents is a crime of Fraud in any civilized society I know of. The March 17th statement had no indication of any problems and yet the June 2nd showed 27 fraudulent $70 charges that was an alteration of the March 17th statement . If Epay or it's card company had found any discrepancy in the account and the above fore mention contact methods had failed the proper legal way to handle such a problem would be to block off the amount funds on the card itself equivalent to the normal monthly charges the company claimed where not paid. What Epay and their card company saw was an account with money in it that could be raided and cleaned out in short order by making up some fictitious charges. So once a week as the June 2nd statement shows Epay and it's card company stole $70 USD from my account for 27 times which is blatant Fraud and Theft. They did this all with out saying one word to me. Epay claims to have sent me emails in the past but that they “bounced back”. I use hushmail.com which is a secure email system that filters out incoming suspicious spam type mail. It would only take one individual with two brain cells to rub together to figure out that my email views their email as a suspicious spam or Fraud and threw it in the trash. If the proper procedures had been followed the communication would have been done internally where I would have found it. This entire episode was do to incompetence by Epay for not doing their job which turned into an opportunity for someone in their card company to steal the money out of my account using 27, $70 rapid charges to empty my account. The end truth of this all is the money in my account belonged to me and Epay in collusion with their card company stole the money. I have seen some very strange and illegal behavior in my many years investing offshore but this rates near the top in boldness of a rip off scam.

Epay will return all $70 charges stolen from my account. The alleged 6 monthly standard card fees for card may be taken from this balance. The remaining balance will be returned to the e-gold account where the money originated from. Failure to do so will result in a detail presentation of the above theft of money on a special web site devote to Epay. In addition to this incident my previous exploits with Epay regarding the virus/hackers who invaded your system last year and took over my personal account and emptied it. That will be a fascinating read for your future potential customers . I will also encourage other victims of Epay to send in their stories to be included into an on going account of Epay's behavior. You can return my stolen money and put an end to this and we will go our separate ways with nothing else said or you can watch your business be destroyed. If this process starts you will not only pay for the money stolen but all fees and expenses for the running and maintaining of this and additional sites year after year. The $1890 plus dollars means little to me. What is important and what would always bother me is if I let someone rip me off and get away with it. I have the resources and time to bring Epay down, the choice is yours.

SCAM DEBIT CARD COMPANY Epay Inc www.epayarea.com or wwwepay.vg

It is very sad that companies like Epay Inc www.epayarea.com turn into scam rip off companies. There is really no need for it if they had just stuck to the basic good business practice of remembering that they work for the customer and if the customer is treated well and protected then the customer will be there for the long term to grow the business. I believe what happens is that they start off with possible good intentions but due to the lack of either financial experience or lack of experience dealing with customers on an international level get themselves into trouble. Their solution is to start to steal from their customer's accounts by fabricating up some mysterious extra charges so they can empty the customers account with. In some cases the scam company will without embarrassment just take the money and ignore the customer's repeated contacts for the return of the stolen money.

The bad part about companies like this is that they infect and contaminate other companies and countries by simple association and give the whole industry a bad name. I'm sure you have seen such articles usually produced by a US Government employee about the evil that awaits those that go off shore with their money in any fashion. Companies like Epay Inc www.epayarea.com give a lot of other companies and countries offshore a bad name. Some companies will assume similar names as other legitimate companies to disguise themselves and ride the coat tails to quicker profits. Then there are the countries that allow SCAM companies like Epay Inc www.epayarea.com to become incorporated in and operate out of their country in many cases without the government knowing about the behavior and activity of the SCAM company. This does not absolve the country from it's responsibility for failure to have the proper regulation and financial bonding limits set for such companies.

Epay Inc describes itself as being registered in Panama and licensed by the Ministry of Finance to conduct financial services , e-wallet services, money transfer services, electronic payments processing, selling and funding debit cards, virtual credit cards and other related activities. This becomes a problem for countries like Panama that allow SCAM companies like Epay Inc to operate out of their country. Countries such as Panama that do not shut down and fine SCAM companies like Epay Inc will be viewed by the rest of the world as a SCAM country. When an individual is looking do business offshore and they find that the company they were looking at is in a country with a SCAM reputation it sends up a red flag to move on even though the prospective company may be legitimate. Panama is putting itself in a bad situation with Epay Inc and will receive the same treatment as a SCAM company does from me in the coming months and years. There will be more about this and the web site to expose all those involved in the theft of my money. Epay Inc has but one choice and that is to return my stolen money or it will be destroyed and the reputation of Panama along with it.

EPAY INC DEBIT CARD SCAM - FIDUCIARY LETTER SENT BY EMAIL

The standard for banking and the rapidly increasing world of debit card providers is the fiduciary obligation the bank or card company sets for itself. Some countries where the bank or debit card companies and their associated banks operate out of set minimum requirements for behavior in order to stay licensed and in good standing. The meaning of good standing in one country may be quit different than that of another so it is up to the prospective customer to live by the old standard of “buyer beware”. How you the prospective customer views a bank or debit card company as a fiduciary for their account holdings should be the primary standard to judge whether to do business with the considered bank or card company. Although I know all to well what a fiduciary is I thought it best to compile a list of legal and banking definitions of just what a fiduciary is. My own personal definition of a fiduciary is: “one who holds and protects the assets of another in accordance to and agreement or applied standard of operation” The definitions given below were taken off the web.

FIDUCIARY

(1) A person legally appointed and authorized to hold assets in trust for another person. The fiduciary manages the assets for the benefit of the other person rather than for his or her own profits. There are several rules that generally define a fiduciary’s responsibilities: Prudent Person Rule – states that fiduciaries must carry out all duties with the care, skill, prudence and diligence of a prudent person acting in a like capacity and familiar with such matters would use. Diversification Rule – states that fiduciaries should diversify plan investment alternatives so as to potentially minimize the risk of large losses. Exclusive Benefit Rule – states that fiduciaries must discharge their duties for the express purpose of providing plan benefits to participants and their beneficiaries and defraying reasonable administrative expenses. (2) A person or legal entity that administers investments for the benefit of others. A fiduciary is legally obligated to safeguard assets in trust in the best interests of those for whom it acts. (3) A person bound to act for someone else's benefit, as a trustee. (4) A person to whom property or power is entrusted for the benefit of another (5) The individual officially designated as being responsible for a financial account or activity. (6) A fiduciary is someone who has the responsibility to exercise prudent judgment while acting in the best interest of the client.

Epay Inc epayarea.com as a debit card company has a fiduciary duty to protect the money which their customer deposits with them either directly into the account of the customer or transferred to the customers debit card . Since in the case of Epay Inc epayarea.com the company does not disclose who the card company is means they are directly legally responsible for the theft of money from either the account or the card in which they were either negligent or in my case directly participated in the theft of the money. Epay Inc epayarea.com stole 27 withdrawals from my debit card of $70 each in rapid succession and made up some unknown charge to justify it and then threatened me with legal action if I exposed their SCAM. When I called their bluff and began to expose them on the web Epay Inc epayarea.com went silent which is a sure indication that the company is a SCAM. Epay Inc epayarea.com claims to have an office in Panama so I will have a friend check the address out which will probably prove to be nothing more than a mail box or at best a fake office for appearances. The Panama Government will be notified of my findings and a formal request to shut the company down will be submitted to them. Failure to do so will make Panama just as guilty and the country and individuals in the government will be exposed by their own web site like the one being prepared for Epay Inc epayarea.com. Epay Inc epayarea.com can return all of my money with an apology and I may consider stopping my actions. The longer this goes on only will prove the guilt of Epay Inc epayarea.com as a SCAM company and raise their final settlement cost to me.

EMAIL TO E-GOLD REGARDING THE EPAY INC SCAM

-----Original Message----- Sent: Tuesday, July 15, 2008 6:19 PM To: D_abuselegLEG Subject: EPAY CARD SCAM E-g ... [PR: TECXXFDU] Submitter IP: 76.110.214.102 CATEGORY: ABUSE Customer Name: Email: Phone: Fax: e-gold Batch: e-gold Account: Question: EPAY CARD SCAM E-gold does business with this company so be careful of their activity. See below letter.

I just returned from Panama a week ago and back to business. The web site dedicated especially for exposing the Epay Scam will go active in about 2 weeks as soon as my people finish the basics. You can still return the money to my e-gold account and I may decide to let this go, that's up to you. Once the web site is active it will only grow in size. There will be a separate web site on Panama for I have an interesting perspective on the country especially regarding letting Scam Companies like Epay operate out of their country. Copied below is my response to an individual who contacted me regarding the safety of his account with Epay. It will be posted on your future Scam web site along with every thing and is currently being posted on Scam exposure web sites on line now. Once this starts it takes on a life of it's own and consumes the people and the offending company doing the Scamming. In six months I will have nothing to do with it and my people over seas will deal with every thing with one order and that is to bring the Scam company Epay down and hunt down the people involved. No one cheats me for it is a mater of principle. It will cost me very little but it will cost Epay and those involved everything. Pay now what you owe me or be destroyed.

E-GOLD EMAIL REGARDING EPAY INC

On Wed, 16 Jul 2008 08:02:26 -0400 D_abuselegLEG <55m60E6X_abuse@e- gold.com> wrote: , e-gold, Ltd. is not affiliated with "Epay". If you have the e-gold account number for the company in question, please provide it so we can investigate further. Also, please provide the url for this company if possible. **Please remember all spends are final and not reversible as stated in the e-gold user agreement. You should NEVER spend more than you are willing to lose** Regards, Abuse %

EMAIL RESPONSE BACK TO E-GOLD REGARDING EPAY INC SCAM

From: To: D_abuselegLEG <55m60e6x_abuse@e-gold.com> Date: Wed, 16 Jul 2008 11:56:22 -0400 This message is not encrypted, and is not digitally signed by.

I know that e-gold is not associated with Epay Inc other than as a intermediary transferring funds to and from it at other peoples request. I sent the previous email and copied the attached letters already made public to inform e-gold of just what Epay Inc is. From post I have read on forums I believe you have (people with e-gold accounts) have had problems with them also. This is a mater of principle for me. I will not let any person, company or even country get away with stealing my money regardless of how small the amount. Epay Inc can return my money and I will let this go. If they don't I will bring them down and anyone taking part in their behavior. This will be turned over to my people overseas and let them grind Epay up for as many years as it takes. Panama has a lot to answer for in this also. The country has such great potential if it stops letting these SCAM companies operate out of their boarders. Panama should require a high bond be posted for such financial companies and a direct hot line into a financial review department to insure that criminal behavior is quickly taken care of. With out such preventative measures companies like Epay will continue to flock to Panama and it will destroy the country financially in the long term. I was just in Panama and the country has a lot of problems which I will expose in a new investment travel website coming out in a few months. The previous email and the attacked letters are just notification to e-gold to be aware of the problem.

EMAIL TO INDIVIDUAL WHO CONTACTED ME ABOUT EPAY INC

If you have processed $26,000 through your account then I would consider yourself lucky thus far. I was warned last year by a friend in Europe to get my money out of Epay Inc debit card after the first debacle where they let a hacker get in and repeatedly change my password and put in and order to transfer all my money out to an e-gold account. I contacted Epay Inc and told then they had an intruder in their system that from the actions taken looks like it entered through a back door. Epay Inc at first said that, that was impossible that they had two security firms that constantly monitored their system. They finally admitted after all my money disappeared (was returned after a month) that yes I was right and that they were working on the system.

Consider your self lucky and take your money out while you can (if you can). I was warned last year to do the same and even with my experience I decided to stay after looking at Epay again. This proved to be a mistake. Epay Inc is suppose to be registered out of Panama (Panama City). I just got back from Panama yesterday after 2 weeks there and I did not find them and the Mail Box Etc office in Patilla (the rich area of Panama City) said they were not familiar with the company nor could they find a phone number for the delivery of the envelopes I left with them. Mail Box Etc said they would try and have a courier deliver the envelopes for me. Panama has great potential in many ways but allowing companies like Epay Inc allegedly operate out of their country will in the end be the down fall of the country. I plan on setting up a travel and investment web site and my evaluation of Panama and countries like it will be discussed.

You and others have been warned about Epay Inc with my postings. There will be a separate website on Epay Inc I am currently writing now that I am back at my computer that will expose the company. My sayings are "there is a sucker born every minute" and "fool me once shame on you fool me twice shame on me". I'm 55 years old and I have been conned before (not for much) because I still want to believe in people. This is why I stayed with Epay Inc last year after the first debacle against the advice of my friend. So now you have been warned, your choice.

ANOTHER EMAIL FROM A POSSIBLE EPAY INC VICTIM

From: Allen **********@*****.com>
To: auto457***************.com
Date: Fri, 29 Aug 2008 02:35:46 -0400

Hi, Christopher.

I've recently received my epayarea debit card. Everything seems to be working fine so far. But, I'm a little concerned after reading your review posted a couple months ago. Can you please update me on your dealings with Epayarea? Have they resolved the issue with you? And do you still maintain that they are a fraudulent company?

Thank you in advance for your time.

Regards,

Allen

From: auto45*****@*****.com
To: Allen *********@******.com
Date: Fri, 29 Aug 2008 08:33:03 -0400

Yes they are still a scam. They will stay in business as long as new fresh meat(new customers deposit money) shows up. The last communication from them months ago was them threatening me with a law suit if I posted any thing bad about the company. I told them please threaten me more for it only supports my case against them. I really wanted to believe in them even after their system failure/intruder 1.5 years ago but it was a mistake. As stated in the web site www.epayareacardscam.com and on the other scam reporting sites it was possible that they were legitimate business in the beginning but just screwed it up and lost money so they needed to start stealing from new customers. They panicked when I actually started using my account to buy larger priced items like airline tickets for my son's travel to Europe and mine to Panama during the summer after a year without using it(I used it for my travel purchases). They then emptied the remainder quickly as stated in my writings. I should have known better not to deal with them for the signs where every where a year ago but at the time I was dealing with a separation-divorce-custody issues at and was overwhelmed. I will not get my money back but I will hopefully keep others from being scammed. More people need to do what I do and make these scam business public in a big way to stop it all. Eventually the these scammers would cease to exist and the countries that protect them now would stop it by requiring the company to post large security bonds to protect the customers. I believe in strict privacy and like Panama but it is directly responsible for allowing scam operations like epay to operate. I will be expanding/renovating and transferring the website off shore in the next few months for a long term presence. It will included evaluation on Panama also.I have been overwhelmed with business and writing in preparation to retire and have not given this as much attention as I would like to. When I move back to Asia after the first of the year I will turn all of this over to specialist to run and update with articles etc. I like Panama but would stay away from all companies operating out of the country except for the largest international banks and law firms. The rest are just scams waiting to happen. Epay will eventually get your money as soon as you get comfortable with them and start putting more money in. There are other choices out there. Hope this has helped you. My best, Chris

From: Allen ************@*mail.com>
To: auto457******@******mail.com
Date: Sun, 31 Aug 2008 01:27:12 -0400

Thank you so much for your time, Chris. And for writing such an informative email. After reading your email, I decided against doing business with Epay. That was a definite close call for me because I was set to bulk order 300+ cards. Thank you so much!

Best of wishes to you on all your endeavors.

Regards,

Allen

From: auto457********@*******mail.com
To: Allen *********@*****mail.com>
Date: Sun, 31 Aug 2008 08:34:04 -0400

I think you made a wise decision. If my head had been clear of emotions (my family problems at the time) and I would have listened to my friend that warned me I would not be dealing with the issue now. I will pursue the epay company and Panama as long as I am alive just out of principle. If more people would not be ashamed they made a mistake and come forward to expose scams like epay then they would cease to exist. Pass it on and help some one else out in the same way in the future, that's how the world gets better. I have been to busy with other business to turn my attention back to pursuing epay but that will change in the next two months as I catch up on my work. Some more advise. I make my living by knowing what is happening in the world and what will happen. The world is about to go into the worst economic collapse in the history of humans and there is nothing that can be done to stop it. Get your assets out of the USA and into gold bullion and good precious metal mining stocks offshore. Invest only yourself and turn none of it over to the control of anyone. It's like a run away high speed freight train coming at you. Either step off the tracks with your assets or get turned into track grease when it runs you over. The deals to be made 5 or ten years from now in stocks and real estate and vehicles will be beyond belief if you have the assets to purchase them. If you stay in business you will need to switch to encryption forms of emails like PGP or hushmail or even higher forms offshore where it is legal for any thing and everything and be careful for information is a weak spot and ****mail is not that safe. Best wishes, Christopher

I'm sorry that I don't have the time to communicate with every one. I'm in the process of retiring and moving to the other side of the world. Wrapping up a life time of work and relationships at this moment does not leave me with a lot of spare time. I will be turning this over to specialist as will my other work in 2009 so I hope to have them open up an email answer and question segment in this web site and possibly another travel/investment site offshore. This site was intended to help keep others from becoming victims of Epay Inc and other companies like it. This site will stay active and gradually expand in the future until Epay Inc or the country of Panama has proven to me that they are legitimate in the business world.

You have been warned about Epay. If you deal with them it is only a mater of time before you are taken. It won't happen until there is enough money in your account that makes it worth while so beware.

Epayarea.com The Scam Debit Card Company

Epayarea.com Will Steal Your Money

Epayarea.com The Company That Will Steal Your Money

EPAY CARD SCAM STORY

PANAMA

LETTER TO THE DEPARTMENT OF FINANCE OF PANAMA

EPAY CARD SCAM-EMAIL LETTER SENT TO EPAY INC

SCAM DEBIT CARD COMPANY Epay Inc www.epayarea.com or wwwepay.vg

EPAY INC DEBIT CARD SCAM - FIDUCIARY LETTER SENT BY EMAIL

FIDUCIARY

EMAIL TO E-GOLD REGARDING THE EPAY INC SCAM

E-GOLD EMAIL REGARDING EPAY INC

EMAIL RESPONSE BACK TO E-GOLD REGARDING EPAY INC SCAM

EMAIL TO INDIVIDUAL WHO CONTACTED ME ABOUT EPAY INC