Daily Classifieds eZine

Your Free onsite Advertising. eZined to all our subscribers

To receive full information on all of the Daily Classifieds Group of sites please Click Here. You will be sent the information via auto responder.

What's happening at StormPay?

It's a straight enough question. What's happening at StormPay? Does anyone know?

Last month there was this rumour going round basically that Stormpay was about to close because the owners site had been given a statuary notice to sort out another of his sites.

These rumours were quashed, as the only connection between the 2 were the owner and I believe corrections were made to the other site.

Now the reason I ask What's happening at StormPay? is.

Well a few days ago I was notified by a customer that my Stormpay account had been suspended.

Note : I was told by a customer not StormPay.

Now I've had this Stormpay account for about a year now, and until 31st October this year I hadn't bothered to use it. But the opportunity came along with our Randomizer http://www.ReceivePayments.com to use it along with PayPal and eGold. and money started to come in.

I was also starting a Charitable organisation at http://www.ChildSponsors.com and asked StormPay if it was OK to open another account to accept donations Via StormPay.

They agreed and a separate account was opened for that Site.

On the 1st December 2003 I received an eMail from a Customer saying that they wanted to buy my services but they couldn't pay me as my StormPay account had been suspended.

I couldn't believe it, and immediately checked.

Sure enough my main account had been suspended by Stormpay.

I immediately eMailed them to find out why and why they hadn't bothered to tell me about my account being suspended.

here is their reply.

Mark has responded to your help desk request.

-----------------------------------------------
(Mark)
-----------------------------------------------
Hello ...

Your account was suspended for multiple violations of our user agreement.

7. Closing accounts and limiting account access: StormPay Inc. reserves the right to limit access to sending money or making withdrawals from an account for any one of the events listed below. In the event your account access is restricted, all funds within the account will be held for a period of 180 days to cover against any chargebacks your account may incur. After 180 days of account restriction, you may contact StormPay Inc. to request the balance of any remaining funds held within your StormPay account. See reasons below:

1. Reports of unauthorized or unusual bank account use associated with the account:

2. Reports of unauthorized or unusual credit card use associated with the account including, but not limited to, notice by the card issuing bank. This includes notices made by you to your credit card company that a transaction was unauthorized or your account compromised, and is done in order to protect you from further unauthorized use of your card:

3. Abuse by a buyer of the reversal process provided by the buyer's issuing bank:

4. Complaints received regarding non-shipment of merchandise, non-delivery of services, merchandise not as described, or problems with merchandise shipped:

5. Receipt of potentially fraudulent funds:

6. Refusal to cooperate in an investigation or provide confirmation of identity when requested:

7. Initiation by a buyer of a reversal process through the buyer's issuing bank without first pursuing the vendor or StormPay Inc. to satisfy the situation:

8. Opening multiple StormPay accounts:

9. The account has been used in or to facilitate fraudulent activity:

10. Name on the bank account does not match the name on the StormPay account or does not relate to the name on the StormPay account:

11. Return of an incoming Electronic Funds Transfer for insufficient funds in the bank account, incorrect bank routing number, or incorrect bank account number:

12. Receipt by StormPay of excessive complaints regarding your account, business or service:

13. Use of an anonymizing proxy:

14. Logging in from any country on StormPay's non-approved country list:

15. Initiation of transactions considered to be cash advances or assisting in cash advances.

16. Sending unsolicited email or posting referral links on websites where they are not permitted.

17. Logging in from a country that is on StormPay's Non Approved Country List.

18. Any violations of this user agreement.

Kind Regards,
StormPay Support

Note : Your account was suspended for multiple violations of our user agreement.

Multiple Violations? what were they on about. since the 31st October till the time they suspended the account I only had about 15 - 20 transactions on the account, and only 1 of them was a charge back by a customer not me. All the other transactions completed perfectly.

Needless to say I replied to each point.

Hi Mark.

I am amazed at your allegations. please supply proof in particular every transaction you say violates your terms.. As I can no longer access my account. ONLY YOU have the proof..

I am also disgusted that StormPay did not even bother to notify me that you had suspended my account. I was informed by a customer who wanted to make a purchase from my site and couldn't.

A word of warning. I am owner of The Daily Classifieds Group of sites. My proper name and Title is. Lord Of Holway. I am a licensed credit broker in the UK, and as far as I am aware I have complied with all your terms and conditions.

You say I have MULTIPLE VIOLATIONS and list

1. Reports of unauthorized or unusual bank account use associated with the account:

Don't have a bank account registered so this doesn't apply

2. Reports of unauthorized or unusual credit card use associated with the account including, but not limited to, notice by the card issuing bank. This includes notices made by you to your credit card company that a transaction was unauthorized or your account compromised, and is done in order to protect you from further unauthorized use of your card:

Don't have a credit card registered so this doesn't apply.

3. Abuse by a buyer of the reversal process provided by the buyer's issuing bank:

Hadn't you better see the buyer. I have made no charge backs.

4. Complaints received regarding non-shipment of merchandise, non-delivery of services, merchandise not as described, or problems with merchandise shipped:

All goods have been shipped according to the terms of the site

5. Receipt of potentially fraudulent funds:

I have no control over who pays me what. YOU DO OF COURSE, please supply proof.

6. Refusal to cooperate in an investigation or provide confirmation of identity when requested:

Nope this doesn't apply either, what investigation?

7. Initiation by a buyer of a reversal process through the buyer's issuing bank without first pursuing the vendor or StormPay Inc. to satisfy the situation:

Nope. not me I have made no chargebacks. and I have only had one on my incoming account.

8. Opening multiple StormPay accounts:

Yes I do have another account ADDRESS DELETED I contacted you 2 weeks ago approx about it, and YOU SAID IT WAS OK, as It was for starting a charity, so the money wouldn't get caught up with my business.

9. The account has been used in or to facilitate fraudulent activity:

if this is the reason you had better have proof before legal action is taken against you.

10. Name on the bank account does not match the name on the StormPay account or does not relate to the name on the StormPay account:

Don't have a bank account registered so this doesn't apply.

11. Return of an incoming Electronic Funds Transfer for insufficient funds in the bank account, incorrect bank routing number, or incorrect bank account number:

Nope this has never happened either.

12. Receipt by StormPay of excessive complaints regarding your account, business or service:

Please send proof

13. Use of an anonymizing proxy:

never heard of this

14. Logging in from any country on StormPay's non-approved country list:

So the UK is now banned from stormpay is it.

15. Initiation of transactions considered to be cash advances or assisting in cash advances.

although this has not happened. i am a licensed UK credit broker. I AM ALLOWED TO with out your permission.

16. Sending unsolicited email or posting referral links on websites where they are not permitted.

Nope this hasn't happened either. please send proof.

17. Logging in from a country that is on StormPay's Non Approved Country List.

again so the UK is on stormpays banned list.

18. Any violations of this user agreement.

so basically. your MULTIPLE VIOLATIONS breaks down to the fact that I also have a second account with you for my charity at ADDRESS DELETED which was only authorised by StormPay 2 weeks ago. and now your saying I'm breaking your terms.

get real.

Unfortunately off hand I cannot find the email from the person that said it was OK. but I will. ok Just found it.

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

-----------------------------------------------
(Jim)
-----------------------------------------------
Hello, yes we can do this. Go and attempt to register and our system will generate an error code. Please send that code to jim@stormpay.com and mention the website that you want to register with.

Thank You for choosing Stormpay.com!

~~~~~~~~
Jim
Stormpay Support Team
~~~~~~~~

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

In the mean time. I STRONGLY SUGGEST you re activate my account *********** before I take legal action against your company to recover monies in the account. PLUS compensation for lost sales. which has already happened. As you are dealing in the UK. you must abide by UK law as well.

I added to my http://www.ChildSponsors.com site. that we have had to remove STORMPAY as a payment processor. because basically you now can't be trusted.

Please visit http://www.ChildSponsors.com/donate.htm and

http://www.eMailsfromSanta.com/donation.html

I further suggest you pass this to management level as I believe you are not qualified to deal with this.

I DEMAND AN APOLOGY NOW. and a donation to our charity would also be nice for your mess up.

All the best
Mike Hills

Need Help promoting your site.
http://www.dailyclassifiedsgroup.com
or e mail dailyclassifieds@rapidreply.net
for the information Via AutoResponder

Stormpay then sent a very helpful email. From an obviously highly educated person called Chris.

Chris has responded to your help desk request.

-----------------------------------------------
(Chris)
-----------------------------------------------

Hello,

Please feel free to contact us to discuss this issue at 931-647-8750. After 9:00 AM CST.

Thank you,
Chris
StormPay, Inc.

Now being in the UK Phoning StormPay in the States can be very expensive especially peak time rate. Plus I Don't even know what CST stands for but at a guess Central Standard Time.

But what time is that? compared to the UK. I don't know.

Anyway my reply was simple.

I am in the UK.

I'm not phoning the States. plus I don't know the time difference.

e mail me with any questions you require answers for.

There was no reply.

I emailed them again demanding a reply and requesting more info.

Again No reply.

A second reminder asking for a reply was sent yesterday 3rd December 2003

again No reply.

I have again eMailed them Today 4th October 2003

I am still waiting for a reply to my last 2 eMails.

what's happening with you lot.

reply today urgently. or legal action WILL take place.

All the best
Mike Hills

Need Help promoting your site.
http://www.dailyclassifiedsgroup.com
or e mail dailyclassifieds@rapidreply.net

I have just received the following automated reply

Sorry, you seem to have sent this help desk response to a call which is not owned by you. If you believe this to be a mistake, please check that you are sending this response from the email address used when logging this call.

Thank you.

Great so now I can't reply to them directly as my StormPay address is incoming eMails only. What a System.

I've just written to help@stormpay.com as they say on their site.

To date Stormpay hasn't bothered to address the issue. Tell me what my account is supposed to have done wrong.

But more importantly they haven't bothered to reinstate the account which had approximately $160 in it. Although they were very nice by allowing me to apply for my money in 180 days time.

It Sure makes me laugh when you go to their site and see this

The Federal Trade Commission says:
"Give payment information only to businesses you know and trust..."
StormPay.com, a trusted leader in Internet Payment Solutions, processes millions of dollars in transactions every month!

My Reply to this is.

Sorry Stormpay :

You cannot be trusted.

I was obviously right not to use you in the first place.

I gave you a chance and you blew it.

You have lost all credibility with the Daily Classifieds Group of sites.

Well another day has passed and although Stormpay can reply within 3 minutes saying they can't deal with my eMail because I haven't sent it with my StormPay eMail address.

When you do actually send it. They don't bother to reply at all.

So I have again written to StormPay Copy Below.

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

My Stormpay e mail address is StormPay@DailyClassifieds.co..uk so you can look it up. So don't use that as an excuse.

It is now 5 days since I first eMailed you and so far you haven't bothered to give a proper reply.

UNLESS this matter is resolved you will leave me no action but to make a formal complaint to various bodies including the FTC in America and Trading Standards in the UK.

I find it amazing that when I email you and forget to put in my Stormpay address your support sends a personal reply within 3 minutes saying you can't deal with it. because you don't have my address. I then reply WITH MY ADDRESS and I then get NOTHING from you. Not even an eMail saying you can't deal with is because I have supplied my Stormpay eMail address

I strongly suggest you visit http://www.dailyclassifieds.co.uk/reports/stormpay12-03.htm As this is an accurate record of events. And will be used in any legal case against you.

I am really disgusted at StormPay's treatment. Lack of communication etc. I honestly thought you were a reputable and honest company. Hence my request to open a Second Charitable Account with you. Boy are you proving me wrong.

Unfortunately because of this you have left me no choice, so I now DEMAND

That unless you communicate with me PROPERLY on this matter. INCLUDING giving me a specific reason or reasons why my account was suspended along with PROPER proof of what you are saying, apart from the complaints that will be made to the FTC and other Statutory bodies, you cancel my charitable account with you StormPay@ChildSponsors.com.

My Charity ChildSponsors.com will sever all links with StormPay and the reason will be placed on-site.

A Copy of this eMail has been sent to jim@stormpay.com the person who authorised the second account.

I trust you will find my conclusion to this conclusion acceptable.

All the best
Mike Hills

Need Help promoting your site.
http://www.dailyclassifiedsgroup.com
or e mail dailyclassifieds@rapidreply.net
for the information Via AutoResponder

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

Lets see is they can reply this time.

Yes Jim Replied. ( perhaps I should have written to him in the first place) .

Mike, According to the notes and transactions on your account, it appeared that you were exchanging e-gold. This is against our terms and conditions and results in immediate suspension of your account. Also you were receiving funds from hacked/illegal accounts which sends up a big red flag. Secondly if I would have known that you had a suspended account (Which you did not mention to me when you mailed me), you never would have gotten the second account.

Can you explain?

Thank you,

Jim

StormPay.com

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

Pretty frightening eh. From the look of it. out of the 20 approx transactions taken through Stormpay. It would appear that almost every criminal on Stormpays books has sent me money.

So I suggest if you have sent me money Check with stormpay and ask them are you one of the illegal transactions.

My Reply to Jim.

Hi Jim.

Firstly I didn't apply for the second account after the first had been suspended. everything was Ok then.

If I had of known then that Stormpay couldn't be trusted and my account was going to be suspended. I wouldn't have wasted my time with you. In fact I wouldn't have even bothered to start using you.

I have been using PayPal continually for 3 years now, I have a verified satisfactory rating of 427 confirmed successful transactions from verified members ( but I am sure you know of paypals rating ) . No problems.

But with in 5 weeks of starting to use stormpay. You suspend my account.

There has got to be something wrong there.

you say : it appeared that you were exchanging e-gold. This is against our terms and conditions and results in immediate suspension of your account.

I have checked your terms and conditions, and the ONLY reference to eGold is

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

3. Deposit fees. The various fees for depositing is the direct result of the charges passed to StormPay to allow using these methods. The fees are as follows:
Money Order- Free, Bank Wire - $15, E-gold- 5%, Credit Card - 15% plus $1.25, U.S. E-check or ACh Deposit - 15%, Walk In Funding - Varies, Other options - Varies. All funding option fees are clearly displayed before making any transaction.

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

If as you say transferring eGold is against your policy. I strongly suggest you do actually put it on your terms and conditions page.

There is no mention of eGold transfers being banned.

I am a licensed UK credit broker. I am allowed to offer credit to anyone and pay anyone anyway I wish. WHY are you banning me from carrying out my legal trade.

After all you are also benefiting from the extra fee's. Although if you still wish me to comply I will do. As soon as you put it on your terms and conditions page and inform your members.

I am after all a legitimate businessman. and your closing my Stormpay account is hurting both of us. You through lost fees. Me through Lost business, and legal action may be taken for this. After all I have complied with your written terms and conditions.

You say " also you were receiving funds from hacked/illegal accounts which sends up a big red flag. "

I have no control over who pays me. you do.

If your security checks are not up to par. please don't blame me. I am an innocent party in this. and as my goods are always shipped it is me that looses out when your security checks don't work. Not you, you I suspect claw the money back from me.

However as far as I know. There has been no clawbacks from you so I can only assume that all transactions were correct..

Because ( until now ) I was assuming your security was up to par and that as the payments had been passed by your security and were ok . stupid me thought This payment is good and shipped the goods.

I strongly suggest you upgrade your security. Especially if your system allows another of your members to pay me illegal funds.

Please also send me details of every illegal or hacked transaction you say I have accepted. I don't know which ones they are. but from your eMail, obviously you do.

I want to help catch these people. after all as I have sent them something I may just have useful information for the police. Plus of course because YOU SAY I Have been defrauded I need this information to supply my own police force.

Failure to supply me with these details will only suggest that what you have said in false, or you are assisting these people, after all the payments came through your system. NOT MINE.

One last point. If as you are trying to make out I am an unfit person to hold a Stormpay account. WHY does it appear you are still allowing my charitable site to trade. After all I may just run off with the funds.

I am sorry Jim your argument doesn't hold any water. Both points you have made are incorrect or not my fault and is actually due to Stormpays system.

Suspending my account is wrong. and not informing me, or replying to my eMails was even worse. this is bad consumer relations on Stormpays part.

I again demand you reinstate my account so I can trade. If not I will be making a full complaint as previously mentioned to the FTC and UK Trading Standards..

All the best
Mike Hills

Need Help promoting your site.
http://www.dailyclassifiedsgroup.com
or e mail dailyclassifieds@rapidreply.net
for the information Via AutoResponder

Well It's 8th December 2003 and it's also been 3 day's since the above reply to Jim@stormpay.com and Guess what. So Far Jim Hasn't bother to respond.

What a set up. I Really cannot believe these people's support or lack there of.

Unfortunately Stormpay have left me no alternative but to give them notice of a formal complaint against them to the FTC.

Here's a copy.

Hi Jim

As It's 3 days since I wrote this. I had expected a reply by now.

Unfortunately as you do not seem to be taking this matter very seriously. I am giving you formal notice that in 24 hours I will be making a Formal complaint to the FTC and UK Trading Standards regarding Stormpay.

I am very sorry that it has come to this, and had hoped that this matter could be settled in a proper amicable way.

I hope that a proper reply to my questions is received within the next 24 hours

All the best
Mike Hills

Need Help promoting your site.
http://www.dailyclassifiedsgroup.com
or e mail dailyclassifieds@rapidreply.net
for the information Via AutoResponder

Well It's been 10 Days since the I sent the above eMail. and Stormpay true to form haven't bothered to reply.

They have failed to provide me with any information regarding the illegal and hacked transactions to my account.

I have had to give them 48 hours notice. of pending legal action. What a shower they are.

here is a copy of my eMail to them dated 18th December 2003

Dear Jim.

It has been several days since I last wrote to you requesting that you send me detailed information regarding the suspension of my account. stormpay@dailyclassifieds.co.uk

To date you have not acknowledged my eMail let alone bothered to reply to it.

I am sure you are aware that your allegations are VERY serious, and because of their nature. I am sure you have informed the local law enforcement agency.

I now demand the you supply me with the following information.

1) Full details of all transactions you state are illegal and fraudulent.

2) the law enforcement case number, and the agency you have reported the case to. i.e their address and telephone numbers. and contact name.

At present I have not reported your actions to the FTC or Trading Standards, How ever unless you supply the above information within the next 48 hours. This will be done, along with a complaint to your local law enforcement agency for theft of my monies.

I truly am very disgusted that you are failing to assist in the prosecution of the people you state have tried to defrauded me, and you. And I can only assume that you don't care about the situation.

I am also very surprised that you are allowing people to send me money to that account. Knowing full well I cannot confirm their payment and complete the order. OR even make a refund.

YOU have stated that you have suspended the account. YOU have not. either Fully suspend it, and stop taking any money or reinstate it fully so I can use the account. DO NOT leave the account as is, so it is taking peoples money and giving me a bad name.

Now having said all the above. I do not like having to write eMails like this. I would much sooner we work together to sort this situation out. BUT your failure to reply to my emails makes it very difficult.

Let me know what you want so this account is restored. and supply the above requested information.

All the best
Mike Hills

Need Help promoting your site.
http://www.dailyclassifiedsgroup.com
or e mail dailyclassifieds@rapidreply.net
for the information Via AutoResponder

Guess what. the address jim@stormpay.com now bounces. What's happened to Jim?

Sorry, the request you have emailed has been forwarded to perldesk, however, there was an error processing it further:

The e-mail address (jim@stormpay.com) has not been setup in the perldesk admin

Thank you.

Visit the new Stormpay Mall. Just login to your account and Click Stormpay Mall.

Finally on December 23rd I received an eMail from Stormpay. Subject Title " IMPORTANT MESSAGE FROM STORMPAY "

Boy was I pleased a reply to my eMails.

Hello Mike Hills Happy Holidays from the Stormpay Staff.

This email contains information about the following subjects:

-Reduced Fees.
-International Bank Wire Withdrawals.
-Autobill Feature
-StormPay Mall

Reduced Fees:
StormPay is proud to announce that due to negotiations with our merchant account providers, we are able to reduce the fee for depositing funds into your StormPay account. Our new fee is lowered to 9.9% (no more 15% plus $1.25) of the total credit card or echeck transaction. As you know, local sales taxes are usually higher than the 9.9%, and with StormPay your financial information is protected. Using StormPay makes shopping the Internet as safe and secure as possible. With StormPay your credit card information, bank information, or personal information is never passed to the merchant.

International Bank Withdrawals:
StormPay has now made it easier and more convenient for our International members to withdraw funds. Beginning Jan 1, we will introduce our new Bank Wire withdrawal method. Our International members will have the ability to have funds transferred right into their bank accounts. Look for this feature to available in your account on Jan 1, 2004.

Autobill Feature:
With StormPay's new autobill feature, it is no longer necessary to "pre-fund" your StormPay account. If funds are not available in your StormPay account, we can debit your credit card or U.S. Checking account for the difference. To activate this option, log into your account, click the "profile/Setup" link, then choose "preferences". Next click on the "AutoBill" link.

StormPay Mall:
Please be sure to visit the new StormPay Mall. If you have a product or service to sell, and are accepting StormPay as a payment method, you can list your store in the StormPay Mall for FREE!

Passwords:
StormPay.com will NEVER ask for your password (other than for logging into your account). Never reveal your StormPay password to anyone on the Internet.

Wishing you the very best holiday season,
The StormPay Staff

Your affiliate link for promoting stormpay is:
http://www.stormpay.com/?242645

You are receiving this email as a registered member of StormPay.com. To be removed from occasional mailings, please write to help@stormpay.com and ask that your account be CLOSED. StormPay Inc. normally only emails members less than 4 times anually.

Amazing. They can't reply to my questions regarding the Hacked and illegal funds on my account. They can't send me a police case number. As it is me that has been defrauded according to stormpay. They won't even supply me with information so I can report the Fraud to the police.

Yet they can send me their promotional *rap which they know I can't use.

Happy *loody Christmas Stormpay.

!*) Days are Now up. Read the continuing story Click Here

So I again ask What's happening at StormPay?

Subscribe to the Daily Classifieds eZine. Your advertising eZined to all our subscribers. A part from advertising you will also receive subscriber articles, and other useful information

This site is part of the Daily Classifieds Group, a series of 20+ sites. Ranging from Website promotion through to Children's Fun and Charitable Sites.

To visit the Daily Classifieds Group Home Page where we list details of all our sites and how to use them. Please Click Here.

The Network Marketers Search Engine

Get Your Free $25 account