Showing posts with label Fraud. Show all posts
Showing posts with label Fraud. Show all posts

Thursday, February 3, 2011

In Regards to My Previous Spitting of Nails And In Which I Give you More Advice in a More Lucid Manner

In regards to yesterday's post, I want to say that there is ample room in the world of cancer treatment for alternative methods in addition to the medical treatment we might be receiving.

With my stage III-C ovarian cancer, the routine (for most) is debulking surgery followed by chemotherapy. Chemo brings its own problems but hopefully the benefits outweigh the problems.

Statistics with ovarian cancer are not good, so you will bear with me when I say that ovarian patients get a teensy bit anxious about their future. I'm one of the fortunate 4 out of 10 that has made it to the two-year mark. And in their anxiousness they desire to have the best chance possible for not only long life but also quality life. And so many of us do a certain amount of research about established medical treatments as well as alternative methods.

But enough of that. This post is about alternative treatments...the world of supplements, special teas, special diets, and the sale of a multitudinous number of books with titles similar to "How I Cured My Cancer and How You Can Too!" (This is a title I made up...but similar to those on the market.) Many of these books are written by people with no medical background and who have a financial stake in selling their book, so excuse me if I get a bit skeptical about their personal recommendations for my life (and or death).

Basically, I try to eat well. I take calcium, Vit D3, and magnesium (which is doctor ordered) in addition to my meds. I do not use other vitamins/supplements/teas/yada. That's my personal preference after doing much reading.

Others use supplements after their own period of study in hopes that their use may be beneficial. And it may. That is each one's personal decision. (I hope they run those past their Oncologist for while some supplements can be of benefit, other supplements may actually work against the effectiveness of chemo/radiation/yada.)

Having said all of the above it concerns me when cancer patients swallow the idea that "doctors are in this for the money".

To refute that, I will say that I doubt there is an Oncologist out there who, if his most beloved came down with cancer, would tell them to NOT use the established medical treatments. I'm betting he would advocate good medical care because he thinks that is the very best option. He might or might not include supplements/dietary changes, etc. But he would NOT advise his beloved wife/child/parent to EXCLUDE medical care IN LIEU of relying solely on an alternative treatment.

I've browsed the internet in regards to Essiac tea, the Budwig protocal, various cancer gurus, and now in regards to a book by Kelley Eidem, "The Doctor Who Cures Cancer". His book is apparently a biography of a Dr. Emanuel Revici who researched diet in regards to cancer during the 1940s-1990s.

Those enticed to try Eidem's method should check Eidem's personal claims carefully. First of all, he claims (according to his words) to have discovered, almost overnight, blotches on his skin that he apparently self-diagnosed to be cancer stage IV. And he claims to have cured his Stage IV cancer in two weeks with use of garlic/hot peppers/oils etc. I'll leave it to you to check out his exact methods. He desires to sell you his book about Dr. Revici wherein this method is supposedly laid out...I haven't read it myself so I'm just guessing this by his website. The book sells for approximately $27 for softcover or $21 download.

Cancer patients should be aware that many of the websites that "recommend" Eidem's book are somehow tied to him and/or his book sales. I have not found an established medical website that recommends this method as a cancer cure.

Those interested in reading Eidem's book can buy it and decide for themselves. However, I would ask them to FIRST read what the following medical websites have to say about the man that Eidem wrote about, Dr. Emanuel Revici.


The Univ. of California, San Diego, Moores Cancer Center writes here:
http://tinyurl.com/6hla693


The MD Anderson Cancer Center mentions Revici here:
http://tinyurl.com/6jahx2z


The American Cancer Society mentions Revici here:
http://tinyurl.com/65hocua

AFTER you have read these three reviews, THEN if you are still interested, you can google Eidem to find where you can buy his book.

At least the medical establishment (and your Oncologist) will tell you the truth about the statistics. Alternative practitioners who have not followed appropriate research methods cannot give you accurate statistics. They can only say things such as "a 23-year-old woman was cured" or "a 55 year old man with brain tumor was cured". They will not tell you of the large number who died while under their care. Nor how soon they died.

I hope my words do not sound harsh. It is extremely important, that if one wishes to make an educated decision, that they carefully research BOTH what the medical people can do and what the alternative caretakers can provide.

Many alternatives are beneficial. For instance, if acupuncture was available close by, I might consider it for my neuropathy. I wouldn't mind doing some juicing of veggies/fruits to enhance my diet. There are probably supplements I could take for neuropathy but if I take them, I will first run them by my Oncologist.

But while many alternatives might be beneficial, you should also use some skepticism when reading claims by those out "to sell something". "Something" being their book or their personal brand of vitamins, teas, supplements.

This is my opinion only. And I hope you won't think I'm being harsh in my words.

I wish all my fellow ovarian cancer patients (and other cancers, too!) well and pray that each might have a full, long life instead of dealing with this disease.

Now. It's past my bedtime. And this is long enough. Bless you all. And may you seek God in the midst of your affliction, asking him for peace of mind, wisdom, reassurance. Remember that even Job, that righteous man of God, was not spared affliction.

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Tuesday, February 1, 2011

I'm Spitting Nails Today!

I'll be the first to admit that current medical experts do not know EveryThing! Not about cancer! Not about a lot of ailments. But they do know Something! And they know an awful lot more than I know.

So I go to the doctor. And I have an Oncologist. And I get my scans/bloodtests/exams.

And so far, my Onc is keeping me stable.

I visit an online forum for cancer patients. Members ask questions, provide answers, share information, and encourage one another. I've learned a lot from that website.

However, today my blood boiled. Someone shared a link to a fellow that I adamantly believe is a Quack (with a capital "Q"). This guy (Kelley Eidem) self-diagnosed stage IV cancer from splotches on his skin, without ever seeing a doctor, and claims to have "cured" his (supposedly) stage-IV cancer with two weeks (or less) of eating garlic and jabanero peppers and oil or something like that. Of course, since he is altruistic and wants YOU to be cured of your cancer, he wants you to BUY his BOOK!

Well, do tell! He sells a book! I wonder how many people he has convinced to forego medical treatment in lieu of garlic/peppers/oil. Get in line, Mr. Quack, with all those other Quacks who sell false hope and call it a cure.

I'm mad enough to be spitting nails.

P.S. The photo is NOT an advertisement by this particular Mr. Quack. But it may as well be...in my humble but not stupid opinion.

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Monday, December 14, 2009

The Scam Bugs (Scum Bags) Are Still At Work!

Crooks abound!!! And I'm betting I just heard from another one. I don't know why I should be amazed at their audacity but I am.

Got a phone call today which my caller ID identified as "service call" and phone number (714) 607-5763. After a weird beepy sound a computerized woman's voice came on and suggested they were calling to help me "reduce the interest" on my "credit card". And she advised me to call some number (which I did not record so I can't tell you what it was). I haven't a clue who this company is, but I'm betting this one is a SCAM in CAPITAL LETTERS!

Ummmm, Yah. I'll betcha dimes to donuts this outfit would love me to call their number and give them my credit ID and then scam me out of $$.

My advice to self and to all of you? Nevah, Evah respond to one of these phone calls. NEVAH! If you've got a problem with the interest rate on your credit card, call the card company and try to negotiate. Or find a card company that will charge you less interest than the one you have now.

DON'T be giving your name, card number, bank account number, etc., to some unidentified individual over the phone. If they initiate the call, you have absolutely no certainty that they are honest and not a scammer. And if you initiate the call by calling a number THEY gave you, you are still in the dark and at their mercy.

My Very Best Advice in regards to credit cards! Don't! Just Don't use them UNLESS you are able to pay them off on a monthly basis.

If you can't pay for an item with the cash you have on hand, then you need to renegotiate how you are handling your money.

Just Sayin'!


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Saturday, October 3, 2009

More Scam - BEWARE

More Scams. Guard yourselves well.

The latest is a report by the Department of Veterans Affairs (VA) that a scam group is calling veterans who receive their prescription meds from the VA.

Callers who claim to be part of a "Patients Care Group" are calling veterans at their homes. These scammers tell veterans that their prescriptions have been switched and are now being administered by their company. They then ask for credit card information so that the veterans can continue to receive their medications.

BE AWARE that the VA has not changed its prescription service. And be aware that the VA does not call veterans asking for financial information (credit card, bank account) over the phone.

And just because you are not a veteran doesn't mean that you are not going to be scammed in this matter. IF ANY CALLER claiming to represent YOUR INSURANCE COMPANY asks for your credit card information, do not give it to them. If they actually and truly need your financial information, then YOU INITIATE the call to a number that you KNOW is authentic.

SUMMARY: Never give your bank account number or your credit account number to someone Who Calls You! You have no clue who is on the other end of the line.

Saturday, September 12, 2009

Some Things May Never Be Explained!

Credit Card Fraud has hit us again. This time we were charged $17.96 (TEN TIMES IN ONE DAY) for something called EDC*EDIETS-SERVICE. (We had never heard of this company before this problem.)

We found the fraud quite by accident. Hubby just happened to check our statement online and found these ten charges made the day before and immediately called the card's fraud department.

I've googled and there is Nothing in regard to this company itself being the scammer. There are a few disgruntled customers, but no reports of actual fraud.

We've used this particular card only a handful of times and we're careful to never let the card out of our sight so as to avoid "skimmers". We shred receipts. We're somewhat careful using the card online. (The only SURE way online is to AVOID online purhases and payments.)

Our anti-virus program finds our computer clean.

So...did some previous purchase result in our card number being handed over to some crook? Or is it possible that some glitch in the system hit us? We may never know.

At any rate, the card is cancelled.

Sunday, August 2, 2009

It's So Easy to be Scammed and so Painful!

Looking for Maternity Insurance? Don't be Scammed. This company takes your money and leaves you with worthless insurance. (We're way past the age of worrying about maternity insurance...but we found out about this scam and want to alert others.) Click on the links herein to read what the Better Business Bureau thinks of this company... AHCO (Affordable Health Care Options), also known as Maternity Advantage, Maternity Savings, My Maternity, My Maternity Plus) And if you've been victimized by this company, consider filing a complaint with your state Attorney General or with the Attorney General of Texas. Perhaps your complaint will cause you to receive at least a partial refund.

Connecticut Better Business Bureau Issues Alert About AHCO Maternity Insurance

Attorney General of Texas Takes Action Against Company Marketing Misleading Discount Health Card Plans

Better Business Bureau says the following about AHCO Maternity Insurance: ( AHCO is also known as Maternity Advantage, Maternity Savings, My Maternity, My Maternity Plus )

Based on BBB files, this business has a BBB Rating of F. Reasons for this include:

  • 132 complaints filed against business
  • 4 serious complaints filed against business.
  • Government action(s) against business.
  • Advertising issue(s) found by BBB.

BBB has received consumer complaints alleging that they can not find facilities that accept AHCO or the Maternity Card after being told by company representatives that there were facilities in their area.

If you've been defrauded by this company and if they are taking monthly payments out of your bank account you may have to change bank accounts to prevent further payments. Once automatic payments are initiated YOU cannot stop them. Only the insurance company can do that. And even if they do, they STILL have your bank account number. Ask your bank to switch you to a NEW account with a NEW account number! This will not be easy if you have other automatic payments being made to legitimate businesses for you will have to change them to your new account number.

Being the victim of fraud causes all kinds of complications. We've not been the victim of this particular fraud but we have had our identity stolen in the past. You can read about our experiences with ID theft here.



Wednesday, June 24, 2009

A Word of Wisdom About Your Birthday

Today's headlines mention Nine Nasty Online Scams. You can bop on over there to read about them if you wish.

But I have a word of wisdom as well. I read a number of blogs and am surprised by the number of people who post their full name AND their birth date including year. I read one lady who posted all four of her children's names/birthdays. (I can't remember her name so if I am stepping on toes, please forgive me. It's just that this does not seem like a good idea to me.)

My advice? Don't do that! And if you already have done so, go back and delete those posts.

I've mentioned previously about ourselves being the victim of ID theft. Both events occurred after using our credit and debit cards at local restaurants. You know how it goes! They bring you the bill in a padded folder, you view the bill, place your card confidently inside the folder, and off goes the waiter with YOUR credit card in hand. You'd better hope he/she doesn't have one of those small pocket size devices that can READ your card's data. With that data the dirty low down crook thief has the ability to charge to your account or to take money from your bank account. IT HAS HAPPENED TO US! Word of Advice? Never let your card out of your sight. You can read more about that kind of fraud and what you can do about it if it has happened to you on previous posts here.

P.S. I forgot to mention the time someone used Hubby's name/SS# to get a driver's license several states away from our residence. We found out about it when a collection agency sent us a notice for $$ owed for multiple parking tickets on a college campus. The crook even had a personalized license plate indicating he was using our name. While we were able to convince the agency/State/SocSec that this was a fellow using false ID, and even tho they were able to track this guy, none of them could give us his name or other info due to his "right to privacy". Yah! Right!

Tuesday, August 26, 2008

There are a Lot of People Wanting Your Money!

Seems like it's just one crook after another. Or perhaps it is just the way today's business world does business. For my previous rants about debit and credit card fraud and unauthorized withdrawals from checking accounts read here.

Today I'm looking at another possible scam. A family member called and said she had received a bill in the mail for a subscription to Fitness Magazine. The funny thing is, this person never ordered the magazine. So she went online to find out if others were being scammed in a similar way. Sure enough, she found similar complaints here. (Isn't Google a lifesaver!) By the way you can find a toll-free number at that same site in case you, too, have been a victim.

It's so convenient these days to use 'automatic bill pay' or to go online to pay bills or to use debit and credit cards for purchases. These all make it easier to navigate through our days without carrying cash or writing checks. However, it also makes it easier to be scammed by crooks who know how to cheat the systems and how to steal your identity. Whether you are young or old, the crooks want YOUR money! Be Wise!
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Saturday, June 21, 2008

NEVER, EVER GIVE THEM YOUR NUMBER!

I'm thinking back on a previous post about debit card and credit card fraud that we experienced first hand. At the time I googled the name of the guilty so-called company and found it listed under several similar-sounding names (be sure to read my previous post!). I have some additional thoughts to share with you.

First...if someone calls you and asks for your bank account number DON'T GIVE IT TO THEM! Ditto with your credit card numbers. Admittedly, you may have times when YOU initiate the phone call to make a purchase and give your account number. But if THEY call YOU, never give them any identifying information. (I'm even skeptical about so-called surveys and generally decline such requests by callers.)

Secondly, if you've been scammed, do something about it -- like NOW -- call your bank and/or your credit card company, whichever is appropriate. Also, report the loss to your local police AND to your State Attorney General's office (google will help you out there).

Third, NEVER agree to purchase magazines over the telephone. A friend succumbed to the International Reader's League of Atlanta some time back and their bank account was accessed on a monthly basis for magazines they neither wanted nor read. It was not a simple procedure to cancel the magazines. Again, if this happens to you, contact your State Attorney General's office for help.

Fourth, you can stop those annoying telemarketers by responding "Please take my number off your calling list." Don't answer their questions. Don't talk to them at all. Simply state "Please take my number off your calling list." By law they have to do so. Oh, they may call you another time or two until your name disappears from the lists of the guy sitting next to the first guy, but they do have to cease calling. AND you can stop future telemarketers from calling you by registering your phone number at the National Do Not Call Registry. It may take 30 days for the calls to stop, but they will eventually stop.

Fifth, carefully scan your bank and credit card statements each month. Perhaps you don't think you need to reconcile your statements as long as you know the approximate balance. However, you DO need to watch to be sure someone does not take money from your account without your authorization. Again, I suggest you read my previous post on this topic. If you do, you can quickly return to this page by clicking on the blog title at the top of the page.

Sixth, if you believe some crook has taken funds from your bank or credit card, use Google or Yahoo to search for the name to see if the business is legitimate or a scam.

And, hey, go here for more info on telemarketer fraud.

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Saturday, May 24, 2008

ID Theft, Debit Cards and Credit Cards

Twice recently we have been the victim of ID theft through our debit and credit cards. Be Aware that there are Crooks and Thieves out there! (If you've arrived here using a search engine and this is the only post you see, you can read the rest of my blog posts by clicking on the blog title Wanna Walk Along. But first read this post.)

We first noticed an unauthorized electronic withdrawal from our checking account.
The second was an unauthorized charge to our credit card.
Both times the amounts were a mere $9.87
I suppose they thought we wouldn't notice!
And I'm betting that once they verified our account as being "good", the next amount would have been in the hundreds or thousands!

Fortunately we check our statements online and found the thefts almost immediately and so we were able to call the bank and the credit card company and ask for new accounts (new account numbers).

My advice for today? Check your statements often. In particular look for small dollar amounts to StockPhotoPortal, ThePhotosCentral, Photos Paradise, P&P Services, Images Paradise, ProPhotoLand, PolishPhotosOnline, PhotosGeyser, PhotosMix, PicturesJungle, and countless others. Google these names and you will find many online complaints.

If you see ANY of these companies charging small amounts $3 to $15 to your credit card or to your bank account, DO NOT CALL the Crook Himself! He will only squeeze more information out of you.

Instead Call your Bank/Credit Card Company and CLOSE THE ACCOUNT and GET A NEW ONE. The Crooks have your number and they will KEEP STEALING from you as long as they can. If your bank is not helpful ask to speak to someone in their Consumer Fraud department.

Banks will normally refund any theft you report within 60 days but sometimes you have to be persistent. Credit cards are a little more ready to remove unauthorized charges.

Be a Wise Consumer! And one word of advise...as if this entire post isn't one long "advice" ... Never use a debit card any place your card is taken out of sight, like a restaurant. It's an easy matter for an employee to quickly swipe the info from your card with a small portable skimming device. Watch your card like a hawk and never let it out of your sight. Better yet, learn to live without your debit card.

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Friday, May 9, 2008

Debit Card Fraud Hits Home

The identity thieves must be out in full force. Last week I helped one relative change their checking account at their bank because some thief had accessed the account on a monthly basis for quite some time. This week OUR checking account had an unauthorized electronic withdrawal.

Our bank was extremely helpful, walking us through the process of setting up a new account (with new account number) and helping us change all of our authorized bill-payments to utilities, insurance companies, mortgage, etc., to our new account. They will continue to monitor our account until all is well again.

The bank told us that Our Problem began when we used a debit card at a local restaurant. Someone associated with the restaurant stole debit card numbers of the customers and sold them to a Scoundrel who began drawing money from people's checking accounts. You can read about this local scam here.

Surprisingly, someone can easily steal your money. But more surprisingly, the bank cannot tell you WHICH restaurant was associated with the theft, nor WHO the person was who actually got your money. This has to do with our "privacy laws". Now how intelligent is that? Someone steals money from me and I am not allowed to know who it is?

The electronic withdrawal that was listed on our statement did have a (flaky) name and a phone number. The phone is answered with an answering machine which suggests we visit their website. The website, of course, turns out to be fake. No contact info there. Nothing. Nada.

My advice to everyone! Check your bank statements (and your credit card statements) on a monthly basis. If you don't recognize an item, find the toll-free number on the statement and double-check with the bank or your credit card company.

Credit card companies generally (perhaps not always, depending on the card company) are liable for unauthorized use.

The bank, however, is an entirely different matter. They may refund you any loss that you report within sixty days. But they may not always be as helpful as our bank was in remedying the situation so that the Crook can't dig into our bank account again and again and again. (Ours was accessed twice by this Crook!)

And if you don't bother to review your bank statements on a regular basis, and suddenly find that some Crook has been digging into your account for two years, just consider the money a total loss. But don't give up without first writing a letter to the fraud department at your bank and reporting your loss to your State Attorney General's office.
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