Update on the ACH

First off, I want to thank everyone for their input on my last thread and situation.

For those who didn't see it, it was regarding an ACH deposit that bounced for my friend.


What the status is now, he's closed his bank account that is linked to the books. He closed it with a balance of $0.00 so he is not facing any trouble with the banks. That is good.


He's going to start going to GA with me regularly. I've made him commit to going at least 3 times a week and definitely on saturdays and sundays during the big game days... that is good.


Where he stands now. He owes $400 to one book and $300 to another. His solution is still that he is just going to stiff them. While I realize that this is a poor decision, I cannot convince him otherwise. The important thing to me is that he stops and doesn't do it again.


My last question and attempt for input is what is going to happen to him now.

His story to the books is that it wasn't him who did the deposits so it was fraudulent. What consequences can come of this other than the books possibly just not believing him? What are the chances they will believe him?

If they don't, they will be likely to send him to a Collections Agency. Will his story that it wasn't him hold up to the collections agency? Will they legally be able to collect since its for an illegal use (gambling)? They likely won't pursue a case against him for such a small amount. I've read the following site, and it seems that all they can do is annoy him. Call, send letters and it has to be discrete.

http://www.cardreport.com/credit-problems/collection-faq.html

What are everyones thoughts? Besides he's a jerk for stiffing them (I know that). His bank situation is fine, it's not with neteller at all. It's between him and books and he's telling them it wasn't him.

Why do I have a feeling that the guy who's posting this is the guy who's stiffing the books.

well your only about the 15th person to say that....maybe it is maybe it isnt...you fuckin people judge so quickly on here...just help him out whether its him or his friend damn

I do not know john...its pretty shitty to "JUST STIFF " them and . if your a TRUE FRIEND of his you should be telling him to PAY

very scary and sick IMO

he should PAY them that is the bottom line ... at least then his concience is clear and he will not be labled a scammer STIFF

all this is only my humble opinion, I know I could not live with myself if I was a STIFF scammer

Can a mod find out this guys IP address and see if is the same as his "friend" who stiffed the books?

I think its only fair to look into considering the books he is talking about do pay to advertise here. This guy is wayyyyyy to into it for this situation to be his "friend". Its either him and he already did it or he is thinking about doing it and wants to know what will happen if he does.

In either case I dont think anyone should be here helping this guy with any info. Dont take this the wrong way John but you have said over and over again that your "friend" does not care and is done with it. Then why are going around trying to find out information and so concerned with it?

pistol pete said:

Can a mod find out this guys IP address and see if is the same as his "friend" who stiffed the books?

I think its only fair to look into considering the books he is talking about do pay to advertise here. This guy is wayyyyyy to into it for this situation to be his "friend". Its either him and he already did it or he is thinking about doing it and wants to know what will happen if he does.

In either case I dont think anyone should be here helping this guy with any info. Dont take this the wrong way John but you have said over and over again that your "friend" does not care and is done with it. Then why are going around trying to find out information and so concerned with it?

Click to expand...

becuse good friends are hard to come by:toast:

Pete,

I totally understand where you're coming from. My original intentions on posting the original thread were so that I would have ammo of all the bad consequences that could happen to my friend. I have been the first to say that I think he's a total d!ck for stiffing them and I'm trying to convince him not to. That was my original point; but after posting I've realized that they really can't do much to him. He is going to realize in GA that he cannot come clean with himself until he repays all his debts. I realized that when I joined 6 years ago and have been paying my debts off since. As I told you, I am fortunate enough to have been clean since that day and each day is a new struggle for me.

The reason why I am posting this question is because I know what it's like to go through this. I've been there and it is aweful. I do not wish it upon anyone and especially not my friends. I'm trying to help him out. Whether you want to judge me or him is your decision. I don't care if you think it's me, I'd rather have help. So if it makes you feel more comfortable saying its me, say its me, and then please inform me of the nasty things that can happen to him. I want him to come clean to himself and the books... and his family.

pistol pete said:

Can a mod find out this guys IP address and see if is the same as his "friend" who stiffed the books?

I think its only fair to look into considering the books he is talking about do pay to advertise here. This guy is wayyyyyy to into it for this situation to be his "friend". Its either him and he already did it or he is thinking about doing it and wants to know what will happen if he does.

In either case I dont think anyone should be here helping this guy with any info. Dont take this the wrong way John but you have said over and over again that your "friend" does not care and is done with it. Then why are going around trying to find out information and so concerned with it?

Click to expand...

Your friend shouldn't be allowed near any gambling outfit whatsoever, not even to pay them back. Have someone else send the money to the books when he can afford to pay so that he's not tempted to place bets again.

He should probably block gambling websites too... I just googled this out:

http://www.gamblock.com/

Best of luck to both of you.

What awful things will happen to him?

Nothing, he will lose a little sleep because of his guilt.

Hopefully, he won't return to the game.

JB,

The bottom line is that your 'friend' is a douchebag who thinks it's ok to steal.

I wish you luck in GA, but it doesn't change the fact that he's going to get creamed by the collections agency for the processors that the books use, and also potentially for his bank getting those re-submitted ACH debits despite thinking closing his account protects him. It doesn't.

The 'it was illegal gamlbing' excuse is a crock of shit, for the reasons explained by many in your previous thread:
http://forum2.therx.com/showthread.php?t=406696&page=3

Bottom line, the banks and ACH processors weren't born yesterday and he's a doucebag that is not going to get away with it like he thinks. How the facts can be ignored in this matter shows that whoever he is he deserves waht he's going to get.