Another Paxum success story.

I lol'd at that statement too

http://www.nudebeachdreams.com/tour/index.php - no preview, just fucking join, thats kinda harsh lol

smells like bullsht.

Explain to me the relationship between this site and paxum's problems please :eyecrazy

Clueless, aren't you?

Even if you're in the right here, you threaten to go to the boards and...

oh, wait, just go to the boards. :1orglaugh With that one line you just lost any power you had. Total giveaway that you are, in fact, a complete nobody. No offense. Why the fuck did you think that one line wielded any power at all? And as a Russian, you have ZERO fucking excuse. Fuck Roman Abramovich out of a business deal... yeah, I'm sure he'll just "take it to the boards". :1orglaugh

For 5 cents you can badmouth me all day and night on the boards. Shit, 5 cents would be nice but truth be told, you can have it for free if you want. Makes as much difference to me as it does to Paxum. :1orglaugh

For $5k? Shit, niggga. This thread will be gone in 2 days whether you're in the right or not. Thanks for the easy money. :2 cents:

Nude Beach Dreams was redesigned today:

New tour and new beach orgies at NudeBeachDreams (pics)

But why discuss this site here? :disgust

Sorry but I dont know who is mister Roman Abramovich. This man does not work for me.

Ruth's economics 101.

we put your account to -6k, and that's paxum's loss of 6k!

You should apply for Yale economics. They'd love that shit over there. Very innovative. You, single handedly could be the solution to world crisis. They just need you to fix few corporate books.

Do you realize how common webmasters see this issue? It looks like the TS and some other people paid your lesson. Why would other people pay $6k (and more) for Paxum to learn how to improve its security which those people were relying on?

1. You missed a great number of accounts loaded by funds from stolen CCs
2. You missed all those funds transfered to a single account
3. This was happening for quite a long period of time
4. You warned some exchanger of not dealing with the abovementioned account holder but did nothing to prevent the suspicious account from moving funds. (Why?)

And in the end you just took funds from 2nd-3rd-4th-etc recipients of those money.

Great job of your security department! Oh... is there any? It looks like paxum is run by three persons including some stupid russian guy Anton, whose native language grammar is so poor that he had made a laughingstock of himself on the major russian-speaking adult message board.

Okay but that not your problem that account still own you the money that was refunded, so why dont he or she pay you?

This issue are more then 1 monts old and still Paxum that cover loss, so you think he not have stop all payment to this account.

we happy with ratio on that tour and our webmasters happy too

for own paysite you can do 15-20 minute preview videos, we dont mind ;)

i wish almost all sites had that tour...

This thread needs a music break.



I used to dance like crazy to this track. Now I'm old.

I think When thieves steal your 12.600 dollars , in your home will play music also, but you will not hear this music.
At your age you should be in bed. but not to be a DJ here.

I just scammed myself ...

They haven't steal your money, just refunded them to the senders. Just tell them to send you the money again that was refunded to them.

You know good jokes , but at a funeral it is inappropriate :)

Money stolen from A. They went through multiple accounts. " just refunded them to the senders?" Ask A? B? C? Paxum can not explain the 45 days the situation. You came in and immediately decide all questions :)

Read the answer from paxum:

They changed your system after after this situation. It is their fault. They must pay for their mistakes. But they paid your mistakes from my account.

Not a joke
If I own you $5000 and pay that your Paxum account and Paxum refond them to me, will you not expect that I send them back to you again?

Who is this man with you? ;-)

If everybody will as in yours speech then the world will be perfect.
I live on planet Earth and our humanoids do not do that. On what planet do you live with paxum?

Why will they pay you the frst time, but not return the money when Paxum refounded them.They still own you money , maybe you should start a three about the people that not pay you the money they own you.

Sorry to say but for me it looks like you are a part of the scam.

Well, your tour has no preview, that sucks donkey balls, i would never sign up, if you are happy then its good for you - thats another story.

Regarding Paxum.

I must say I understand what happened, everyone does.

This is what happened, a hole in the Paxum security system:


http://mediamemo.allthingsd.com/file...hawshank-1.jpg

Somebody's gotta fix and pay it:

http://files.sharenator.com/wherez_m...240-146510.gif

But Paxum goes like:

http://angrywhitedude.com/wp-content...1/03/oprah.jpg

because they act like:

https://encrypted-tbn0.google.com/im...MXmKlRZuYir1MA


so you get fucked :

http://hangout.altsounds.com/attachm...uckedupppp.jpg

Now, all you can do is taking this shit up to work it out legal way:


http://www.instructables.com/image/F...Legal-Crap.jpg

I don't like your avatar, sorry.

All this only shows why governments typically have to monitor and regulate such services. I don't have a full grasp of what happened here but from what I gather transactions were reversed from Party B and Party C because of a fraudulent transaction from Party A. I think the reversal from Party B would be expected but the reversal from Party C is potentially a problem.

Party A > Party B > Party C

It seems wrong for Paxum to reverse transactions and take funds from Party C due to what happened with Party A when Party C has had no business dealings with Party A. Further by what process does Paxum use to decide which third parties who did business with Party B will get their transactions reversed? For instance maybe Paxum is reversing transactions for affiliates first to cover losses but taking from sponsors and other service providers last. Or maybe it's being done based on who has the most money in their account to take at the time. Or dare say it might even be based on who Paxum likes the best. :1orglaugh

So we see where it can all be a problem and there can be a conflict of interest and it seems we need some kind of regulation here. Which entity is it again in Canada which is regulating Paxum? I think when they first started they mentioned they were regulated in some way over there. It may be worth contacting that entity and asking them to confirm that Paxum is following all applicable regulations. There are reasons for certain regulations being in place. Personally at some point I think Paxum should be the one's to take the loss rather than innocent third parties. This then provides some incentive for Paxum to be more careful in regards to processing fraudulent transactions.

Another question here is when Paxum changed the procedures for handling this were they required to publish this anywhere and give notice and did they? It almost appears they decided how to handle this on-the-fly. Is that legal? :upsidedow

There is a lot of conjecture in this thread. As TheSwed points out however, if the OP had actually received funds from a company for a legitimate purpose (such as traffic/sales), and those funds were refunded from their account due to fraudulent activity, shouldn't the person who originally sent the funds, then resend them?

It is the same example as if somebody pays you with a bad check that will bounce. You do not expect the bank to cover the bad check and you do not claim the bank stole your money, it is the person that sent you the bad check that needs to send you the money again.

When funds are found to be fraudulent, we refund them from the fraudulent accounts. If, however, those fraudulent funds are sent to legitimate users for legitimate purposes, then Paxum swallows the loss and does NOT extract those payments from those accounts, we simply refund the money ourselves.

For example:
Say an affiliate program has 10 webmasters to pay each month. He has funds in his account that are found to have been deposited fraudulently. Some of those funds have already left his account and have been sent to his webmasters via P2P, for payment for their traffic/sales. In situations like this, the money that the affiliate program has sent their affiliates is NOT claimed back. Paxum honors those payments and simply deducts the additional expense from the issuing account, resulting in a negative balance for the issuing account. This then equals a loss to Paxum, since those funds will likely never be recovered.

There is also conjecture in this thread that the fraud was 2,3, or perhaps even 4 people away from the OP. This is incorrect, as there was a direct connection.

The ONLY people who suffered ANY loss of funds in this situation were the fraudulent account-holders, and Paxum. No webmasters, or legitimate account-holders were affected in any way.

We can go around and around in circles on this topic, it can be twisted to the left, to the right and on its head, but the facts will NEVER change. Fraudulent activity will NOT be tolerated, and we will not accept those types of transactions in our system.

@signupdamnit - You're thinking of FINTRAC. Here is our listing - http://www10.fintrac-canafe.gc.ca/ms...19556-eng.html

How did you allow fraudulent CC pesos in the system at all?

https://www.epassporte.com/secure/jsp/signup/Signup.jsp :troll

Please explain more how -6k on his account is your loss.

Do not invent Brazilian serials please. I was registered in the first days of birth Paxum and have Paxum's business account. I have a status of "active" in my account in Paxum. Paxum not think that I am a bandit. Maybe he thinks I am a cash cow but not a bandit :)
You advise to ask for refund from another account. Look at the chart and tell me who should return money back?

http://nats.enjoybucks.com/plan.jpg



Of course, they had problems with security. I do not know who have stolen the money and had no contact with them. They were all far away from my transactions. I am sure that the money went in different directions even from "A" account. I think refund being done based on who has the most money in their account to take at the time. Paxum can not withdraw money from accounts where there is no money

After this problems whith security paxum changed the security system but punish me only .

You confused me with the Paxum's owner ?
-5,691.18 this is in my balance not Paxum.

Do you say that my account is fraudulent ?

It must suck to live in another country...

Here in the USA I have made thousands of transactions with Paxum in the short time it has been available. I have never had such a problem. But then all of the people I deal with are reputable people that also deal with reputable people. Even when I deal with people from other countries they are reputable. I look them up and find out who they are...

Say someone wants to buy a service from me and they live in Romania. The service is going to cost $1000. I tell them I am going to wait 2 weeks for the funds to "clear". I don't spend the funds. They sit in the account. While they sit I check out the people that sent them. There have been occasions where I didn't like what I had found and I reversed the transaction + $20 to $100 as a gesture to say, sorry for holding onto your cash, but this is the situation and it just doesn't work for me.

In some cases I might barter services with individuals that have something worth while to offer me just so I don't have to deal with possible fraud...

Any company that handles financial services is a likely target for fraudsters. Whether it's a bank, a credit union, a credit card provider, or other services like Paxum.

There is no way around the fact that there are people in this world, and there likely always will be, who will seek to profit by breaking the rules everyone is supposed to follow.

We strive to provide the most secure platform available to prevent such activity, but no-one can ever be 100% safe from fraudsters. What we DO is ensure that no legitimate Paxum account-holder will ever be subject to negative consequences as a result of any fraudulent activity that may occur in our system.


I'm really sorry you don't understand this from the posts I have already made.

When we removed funds from the account, some of those funds had already been sent to affiliate webmasters for their earnings.

Here at Paxum we do not believe in punishing those who have not done any wrong, therefore we did NOT remove those funds from the affiliates Paxum accounts.

However, since those funds were no longer available in the OP's Paxum account, we had to place the OP's account into a negative balance to 'cover' those affiliate payments.

Ultimately the debt is the OP's debt, however since that debt has not yet been paid, those funds (and therefore those affiliate payments) are currently being covered by Paxum.

I sincerely hope that makes things clearer for you ladida. Thanks for your concern :)

All of your words is praise of paxum only on a global and space scale. You will perform well in front of the demonstration and rally . But we are not on the show here, so please answers about my specific account :
1. This is the paxum's balance minus -5,691.18 or it is my balance in my account ?
2. My account is scam?
3. You only punish me?
4. When money was stolen? How many days passed before the refund?
5. My account has many different transactions a day. How do you sniffed at and decided that my money is criminal money? They smell something?

I can not verify the payment of affiliate programs. I do not know where they take the money. Do you have ideas for these inspections?

==================

Paxum does not see my messages 50 days. He does not see my posts anywhere. He silent in tickets , he is silent on the forums, he never answers my questions. Even here I can not get any answers to my questions.
You can imagine why. Can you guess already? Paxum made ​​many mistakes but he pay for them from my account. Because in my account had money.
Paxum could withdraw money from any one of you and say that suffered paxum.

Hmmm. What you are posting doesn't appear to match what RuthB is saying. You are saying that someone at the root "Account A" of this diagram committed fraud and that is it and that you are in position D4, right? But then in a previous post I think RuthB stated that there was a direct connection between you and the fraudulent transaction. What am I missing here?

Thanks. I think that was it. From looking at it though it seems all it covers is reporting suspicious transactions. So is there no Canadian regulatory body which provides for policies and minimum standards that Paxum must adhere to? I know in the US and I believe in the Canadian banking system [in regards to real banking institutions] there are usually clearly defined regulations and procedures for how these situations are handled. I know you are not technically a bank but are you truly free from such regulations? It seems to me that those regulations would help protect your customers.

Please take a closer look at this page. It is in relation to the Compliance Regime required by FINTRAC

http://www.fintrac-canafe.gc.ca/publ...ide4/4-eng.asp

Thanks :)

All I see there are basically regulation to catch terrorists, money launderers and tax cheats. I don't see any regulations which detail government oversight over how transactions are handled and refunded or any regulatory agency which a Paxum customer may appeal to or address any complaints. If there is something like that please link to it and provide an excerpt from it if you have the time.

Though I doubt I will use you in the near future for receiving sponsor payments I am not trying to be a hater or anything. I'm just interested in what kind of regulatory oversight there is of Paxum, if any, as regards these sorts of incidents. I think people should know this stuff because as we see it can be important.

I have published an approximate scheme. Paxum not want to see my questions . They took my money and silence everywhere about reasons. So I can only make guesses. I do not know real scheme. I do not know who I am. Maybe I am "C4" or "D10" or the "Z7" , but I know exactly what I had no contact with account "A".
If RuthB stated that there was a direct connection between you and the fraudulent transaction - he told a lie.

Bro Paxum refunded your payments from wc@******business.com and they still pay your affiliates, you're a lucky bastard, what are you complaining about?? Just go check with wc@******business.com what's wrong with their payments, they are they ones at fault

Here is the description of FINTRAC and what it does. :)

http://www.fintrac-canafe.gc.ca/fint...nafe/1-eng.asp

Who We Are
The Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), Canada's financial intelligence unit, was created in 2000. It is an independent agency, reporting to the Minister of Finance, who is accountable to Parliament for the activities of the Centre. It was established and operates within the ambit of the Proceeds of Crime (money Laundering) and Terrorist Financing Act (PCMLTFA) and its Regulations.

----

signupdamnit,
Canada is a free democratic country, ergo, the laws we abide by reflect that. The Government provides us, and other companies like us, with guidelines, and then periodically inspects and audits the procedures we implement, to ensure we are meeting said guidelines.

The Canadian Government does not dictate to us when and to whom we should issue a refund, since our government is democratic in nature and does not run the banks/financial institutions/financial services in our country.

Banks, financial institutions and financial services just like us are allowed to make our own internal decisions. For example, not long ago the Bank of America decided to foreclose on thousands of home-owners for the wrong reasons. That decision was made internally by the Bank of America, and thousands of affected customers chose to sue them for abusive foreclosures. I know that is a different country, but I hope you can agree with me that US and Canadian laws on such things are very likely to be similar.

At the end of the day, Paxum is a business and as such we must make decisions based on the information available to us. We must follow certain strict financial guidelines due to the nature of our business, but ultimately the choices we make on how we run our business, are ours to make.

Paxum's mission is always to provide a secure easy-to-use and flexible service to our clients, with a strong KYC policy in place, and adherence to anti-fraud policies.

In Paxum have only one rule : The customer is always wrong.
I wait 1,5 month when Paxum descend from heaven and answer my questions.


Refund made ​​Paxum not wc@******.business.com. After that money from the wc@****** business.com go on the next account.
I do not know what number have the account was wc@******.business.com may be "B1" or " C7" or "V195" (Money could walk around week or month on various accounts).
No one will talk to me except wc@****** business.com. They do not know me. Am I right? I can not find my money from all webmasters. Paxum took them and he must return them.This work paxum unravel the threads, but they went for the simplest way. they took money from one who had money on his account.
I do not understand why I was punished only. This is the main a question for paxum. Why do not punish everyone in this scheme?
I had no contact with the carders, but Paxum writes minus $ -6,000 me only. All the webmaster (who was in the scheme: b, c, d, e, and so on) are silent, so I conclude that Paxum punished me only. Why paxum not minus those who had contact with carders?

I intend no offense by this and am only trying to help but do you know someone who can help you better translate your words into English? I suspect many here can't understand what you are saying very well. I think more would listen if they could better understand your words and it would help you.

No I'm not advocating Communism here. :1orglaugh I was wondering if you were subject to any regulatory bodies such as:

http://www.cba.ca/en?view=article&ca...anks&Itemid=0&

Based on what you are saying and since you probably aren't technically a bank (or do not want to be considered one) I surmise that you don't report to any such agency. Only this FinTrac which is focused on combating terrorism and money laundering.

So all this doesn't really apply to you then I guess:

http://en.wikipedia.org/wiki/Banking...ada#Regulation
http://en.wikipedia.org/wiki/Office_...Institut ions

That's what I guess I was wondering. If you were regulated as an organization under OSFI as regular Canadian banks are.

paxum please explain.

UtahSaints,

In this country if someone steals a car and sells it to you, and then the police find it, they can take the car back to its owner leaving you with no car and no money. But you cannot blame the police, only the thieves. Perhaps that's the situation you are in? It seems your beef is with the people that sent you the money that got refunded back, not with Paxum.

:1orglaugh

thats fucked up question. why dont you reverse? you should refunded the funds from the sender not from the receiver since the receiver has nothing to do with the fraudulent sender.

thats his only concern :2 cents:

why him, not the sender?

now, you're ignoring his post and questions. you should answer them, many people here are reading this thread. :2 cents:

one more thing, if the sender had fraudulent activity, why the transaction done?

this is very alarming. paxum let these fraudulent accounts send you funds and in the end you're the one who are refunded, yet you're innocent. :Oh crap

I agree with you. But I was punished two-fold. Paxum have taken 2 times the money for 1 refund.

If I bought a stolen car (not knowing it), then police take away the car, but do not take away the money a second time. Police will to search and to punished the mediators.

You can see in my situation: Paxum took the car and after 15 days took the money for it. Paksum knows all the mediators but only punished me and he do not punished who had contact with carders. Do you understand me?

Dude, you don't get it.

-6k on your account is paxum funds ! They are in the loss, not you!!! I just go to my bank and withdraw few thousands of dollars, leaving my account in -$xx k and i'll tell the bank i dont have to repay it, its bank's negative balance, not mine. If they don't agree, i'll give them ruth's number to explain this math.

/sarcasm

They obviously took the money from you since you will pay for their mistakes since you have a business account. Anyone else would just close the account and either not use paxum no more, or open a new one, you don't have this luxury.