You can only get an Advance Payment if you are waiting for your first Universal Credit payment, so the way you will be targeted might be slightly different. It is transparent, and it works to a certain extent. I have received an email from Credit Style Limited, claiming that I owe the insolvent Extra Energy money and that I should contact Credit Style Limited urgently. These checks have indicated that you are resident at the address noted and as the outstanding balance.....As I said he left the country over 12 months agoSo this review is not for customers but any companies looking to use them to chase debts. I emailed them a few times but never responded. Company status Active Company type Overseas company First UK establishment opened on 1 October 2014. How might you be contacted by a Universal Credit scammer? In spite of the current recession, consumers have paid off more than $73 billion in credit card debt during 2020. Money Manager tool for Universal Credit claimants, income-related Employment and Support Allowance. !This is VERY BAD CUSTOMER SERVICE for not responding to emails, I literally have no idea what they want. I owed PayPal £117 which I’ve PAID and these people still keep pestering me! GRAIN EXCHANGE SLAYTON MN credit card scam it is not that rare actually to be scammed by this usual techniques when people buy online (and also offline). These people call day and night multiple times a day, sending texts, letters in the post. A good credit score is a product of having a record of using credit and always paying it off with no issues or serious (60 days +) missed payment issues. These people should be taken before a court. Kikoff rolled out its credit-builder loan in the first quarter of 2020 and has tens of thousands of users, Chen says. As we have not had an update from you we have conducted additional checks including publicly available information to ensure we have the correct address details on file for you. This company has sent me texts the last couple of days claiming they’ve contacted me yet I haven’t had their number appear on my mobile phone. You will have 30 days to receive a full refund if for some reason you’re not totally head over heals with your Grain furniture. The product itself (Brenin Desk) is excellent. - Get free trusted guidance and links to direct support, This article appears in:  If you do need help applying for Universal Credit or an Advance Payment, you can contact the Citizens Advice Help to Claim Service on: The service is free and confidential and you can get help in your local area. More details can be found in our Total scams with this charge: 695 votes , and 502 voted that it is a fraud CHARGE. Give us a call for free and impartial money advice. Might be trying to freak you out or something lol. I then paid the balance in full using the online pay system and everything went through fine. chegg investigation is legit. © 2021 Trustpilot A/S. modern graphic design inspiration blog + vintage graphics resource Over the following 3 months I received numerous phonecalls requesting that I call them back.After the 3 months worth of calls I answered a call and told them that if they wish to contact me again they will need to send me a letter. I said to them that surely they will be able to access my address from their system if I owe them a debt.This was around 2-3 months ago. You can also get a bad or mediocre credit score if you never use credit....as there is no history for you, in effect. What disability and sickness benefits can I claim? If you’ve been targeted or become a victim after you’ve been contacted online, you should use the reporting tool on Twitter, Facebook, Instagram or Snapchat. Clueless and incompetent Receiving many letter addressed to previous tenant who left country over a year ago. All rights reserved. It was the exact balance requested by my Credit Card company, Started sending letters to my property for an old tenant who lives in Florida now. Scammers are likely to make this sound as if it’s free money and will have to make a claim for Universal Credit on your behalf and you might not actually qualify for it. Credit Card Debt Drops for The First Time in 8 Years. Don’t get me wrong because the site is legitimate and fair. Finally decided I needed to open them and found these incredible lies.Our enquiries have indicated you are resident at the address above , and then further down . I gave them a phone call and they refused to speak to me over the phone? Blocked all their numbers yet more than 5 times a day I still get a voicemail from their stupid recorded message "press 1 if you are this person, press 2 if not." People have also been approached online by someone claiming to have a friend who works at a Jobcentre who will be able to process or approve the application on your behalf. 1. Should you save, or pay off loans and cards? Benefits If you’ve already applied for Universal Credit, but are still waiting for your first payment, scammers will apply for an Advance Payment on your behalf and take some of the money as a fee. How will moving to Universal Credit affect me? Help with scams Credit Karma is great! I was a little panicked that I had paid money to someone else's account!Another thing to point out was that there were no additional charges added onto the amount that I owed. Getting the right help to apply for Universal Credit or an Advance Payment, What to do if you’ve been targeted by a Universal Credit scam, spotting and avoiding scams in our beginners guide, Benefit payment advances and budgeting loans, How much Income Tax and National Insurance you should pay, We can’t separate money worries from our mental health. Letters arrive weekly (sometimes more) and are returned. It can also create serious problems if you’re not yet claiming Universal Credit and you could end up even worse off than you intended. I spoke to Npower and they agreed I had until 3 Sept to pay or sort out an agreement otherwise they would 'consider' referring me to Wescot. The outstanding amount was paid in full in early August but I have been receiving about 6 letters (sometimes more) every week from mid August! They will often tempt you by suggesting this is free money from the government. There are is no need to pay someone to apply for an Advance Payment on your behalf and there are two other serious problems if you let them do this. Wescot is a terrible rogue debt collection agency. I have a lot of debt that I have been ignoring in part due to stupidity and in part due to personal circumstances. It's a good way to just keep track of where you are financially, but take the score it provides with a grain of salt. Given how new this poster's account is, take it with a grain of salt. And I hardly ever bother with forums because I actually have a life. Do you agree with Grain's TrustScore? 6 texts and calls a day over a balance with PayPal due to a dispute. Repeatedly. To do this, scammers will ask for personal information so they can make the claim online, such as your proof of identity, bank account details and National Insurance number. There are a number of ways you might be approached by a Universal Credit scammer. by ECOTON, GEMAWAN, GRAIN, KRUHA | 4 Dec 2020 Corporations. Home Topics Society & Culture Farming & Forestry Merchant credit interest scam alert in the grain industry Notices Welcome to Boards.ie; here are some tips and tricks to help you get started. The main way a Universal Credit works is someone offering to apply for a Universal Credit Advance Payment on your behalf and taking some of the money as a fee. What is a Universal Credit scam? Unfortunately unable to leave zero stars! Spamming me non stop, going to seek legal advice about harassment at this point. What happens when your with-profits fund closes, Compensation if you’ve lost money through mis-selling, Financial mis-selling – what to do if you're affected, Assessing the performance of your savings and investments, Diversifying – the smart way to save and invest, Beware hazardous savings and investment products, Ending your endowment or whole of life with-profits policy early, Unit Trusts and Open-Ended Investment Companies (OEICs), Tax and qualifying life insurance products, Structured Products, Structured Deposits and Structured Investments, Spread bets and contracts for difference (CFDs), Fixed interest securities – gilts and corporate bonds, Art, fine wine and other collectibles as investments, Peer to peer lending: what you need to know, Identity theft and scams: how to get your money back, Coronavirus – what it means for you and what you’re entitled to, Make sure you’re getting the right entitlements, Where can I get help and advice about benefits, Benefit sanctions and what to do about them, Personal Independence Payment – an introduction. With agricultural commodities accounting for over 80% of fresh water use, the role played by the agroindustry in the frenzied rush to control access to this resource is major, bringing along countless cases of social conflict and environmental destruction. How to choose between saving and borrowing. The DWP used to call from a withheld number, but now it will show on your incoming calls as 0800 023 2635. That came from my credit card company 12 days later. Cloud Mining in a Nutshell. VantageScore is excellent, but I would advise you to look into your FICO score for more precise results. ; Price targets - If you have a sell price in your mind, hit the market rallies and achieve a better price, fast. Take the credit score information from Credit Karma with a grain of salt. Martin Lewis warns PayPal users against worrying new trend leaving them open to scams PAYPAL is a global online payment company that allows millions to … Others have been contacted online through social media groups, direct messages and adverts. I owed almost £800 on my credit card and hadn't paid a penny in months, so understandable it was sent across to a debt recovery company. Jog on vermin and leave me out of it. The previous reviewer had it 100% spot on. However, these people are also being targeted by Universal Credit scammers. Obviously, I did not give these and hung up. Challenge them and if the situation turns sour, take it up with the FCA. I've been scammed. Become a premium member Get more from Graindex with a premium membership Independent reports - Unbiased, market insights with clear sell or hold indicators to guide your marketing decisions. Our users voted a total of 14 times, and 12 voted that it is a SCAM CHARGE. Saturday, Sunday and Bank Holidays, closed. Many people are being targeted by scammers offering government loans and grants linked to Universal Credit claims. After sending a letter i got in contact with them through email, they told me I wasn’t able to communicate with them via email and so requested i phone them. Check out what 17 people have written so far, and share your own experience. FTC's website on credit . The initial contact was by text not email and I do have a Paypal account actually. Archived. As you know that we always review .onion sites that means all about Dark web or deep… Some people have reported being approached in person by smartly dressed people claiming to be from Jobcentre Plus. Is there a reason for that? Posted by 8 months ago. I've seen the other reviews and I must say my experience was completely different - I never received any emails, phone calls or texts just a few letters over the course of about 3/4 months (which I ignored haha). Constant texts saying 'Further to our letter...'This company has never sent me a letter, so I have no idea what this is about and I will not contact this rogue company that I believe is fishing for my information using underhand tactics. All payments and credit activity happens between the app and your linked account. I contacted Npower, who were pretty clueless but said they shouldn't have even contacted me because it has been paid.. but still the letters and calls continued. Thank you! Disgusting antics. Kind Regards Wescot Credit Services. Some of these companies have professional looking social media profiles and websites, with testimonials and government logos. We are sorry that your experience has not been as expected. Including birthdays.I don't know what you heard about meBut you won't get a dollar out of meNot a tenner, a fiver nor threeCos' I'm a ***king PIMP. level 2. Cloud mining is the process of “mining from afar”; Instead of buying a Bitcoin miner, storing it, configuring it, and cooling it (which costs a lot of money and consumes time), you “rent” a miner and have someone run it for you.You then split whatever profits that miner makes with the service provider. Disability benefits and entitlements for children, Grants and benefits if you're studying and have a baby, Joint Universal Credit claims for couples, Choosing a bank account for your benefit payments, How to budget for a monthly benefit payment, Universal Credit for sick or disabled people. internet browsers with JavaScript. GRAIN EXCHANGE SLAYTON MN credit charge is the number 2827 in our database. Credit card scams are a pretty normal thing when buying online, usually when people buy things in unknown sites and also on phishing actions taken by hackers. Accept and close Advertiser Disclosure. If you have been targeted, even if you’ve not been a victim, you can report it to Action Fraud on 0300 123 2040, by using their online reporting tool, or to the FCA Scam Smart websiteopens in new window. WASHBURN, N.D.--Former grain trader Hunter Hanson was arrested Thursday, April 4, on a felony theft charge brought this week in McLean County. They then proceeded to ask for my address! assume it and pay it off, you don't have to pay it all at once, little by little and it's enough.... no bad words regarding them, i've been really pleased with them service. The credit offer is based off of your cash flow. It is legit, but use the scores it gives you as a grain of sand. Do not use. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Grain did have a lot of problems with fulfilling my order in the initial time-frame and the wait time exceeded expectations. This is the first time overall credit card debt has decreased since 2013. Taking control of debt, free debt advice, improving your credit score and low-cost borrowing, Renting, buying a home and choosing the right mortgage, Running a bank account, planning your finances, cutting costs, saving money and getting started with investing, Understanding your employment rights, dealing with redundancy, benefit entitlements and Universal Credit, Planning your retirement, automatic enrolment, types of pension and retirement income, Having a baby, divorce and separation, what to do when someone’s died, choosing and paying for care services, Buying, running and selling a car, buying holiday money and sending money abroad, Protecting your home and family with the right insurance policies, Coronavirus Money Guidance Basically they could not find a grain of sand on a beach , you have no hope with them of getting your money back , use SOMEONE else. Honestly i do not understand the bad comments saying "they don't leave me alone" etc... they are debt collectors, that's their job, little shame on me to feel offended when i took the money spend it and now what? When they were unblocked I pressed 2 at least 100 times yet they still insist on calling so they got blocked, simple. Had all kind of stuff listed as collateral but also charged me credit life ins for $215.88, property ins $404.12, Liberty Motor Club $120. Harassment from a clearly incompetent and ineffective company. I’ve never heard of this company until they sent me the text messages! What a totally incompetent company who clearly just hassle and hassle you, even when they're in receipt of the facts. And customer service is always Priority #1. I've seen people apply for auto loans with me stating that Credit Karma says their Equifax score is a 650, but I get a 590 through Equifax. Clearly this company are struggling and need every penny they can get sad thing is they're hassling me despite me telling them I've been unwell in hospital. Just sync your current debit card and use Grain as you would a credit card. cookies policy. © Copyright 2021 The Money Advice Service 120 Holborn, London EC1N 2TD. : financial help during the coronavirus outbreak, Self-employed: financial help if you’re sick or self-isolating, Child Benefit for people earning £50,000+. There are war criminals that have more principles, integrity, respect and decency than this degenerate bandit organisation. That’s all i can use to describe the service I received. We use Cookies: By using this website, you consent to their use. What is GRAIN EXCHANGE SLAYTON MN? Keep trying to claim money from me, I paid the first time they asked but now I am concerned as they keep asking for the money over and over even after acknowledging the debt is settled in writing. If you’re already getting benefits, but not Universal Credit, scammers will first offer to make a claim for Universal Credit on your behalf or claim they can apply for a loan or grant, but in fact make a Universal Credit application for you. Saving into a Help to Buy ISA or Lifetime ISA? Toxic river: the fight to reclaim water from oil palm plantations in Indonesia. Find out more about Help to Claim online on the, - Get free trusted guidance and links to direct support, Clear English Award - Opens in a new window, Money manager for Universal Credit claimants, Workplace pensions contribution calculator. Why shouldn’t you let someone apply for you? Sadly unable to give a zero star rating. Our users voted a total of 50 times, and 48 voted that it is a SCAM CHARGE. Such an amount of money will attract scam artists worldwide. Grain is a digital credit card that lives on your phone, not your wallet. Since then, I have not received any more calls as I assume they realised I will not answer. The only negative thing I will point out is that there is no correspondence after the payment is taken to confirm the balance has been settled. OF GRAPE GRAIN QPS ASPEN CO credit card scam it is not that rare actually to be scammed by this usual techniques when people buy online (and also offline). 132. We’re bridging your financial gap—even when you’re on the go. Clearly they have not checked any electoral register! Sorry, web chat is currently offline, our opening hours are. In this guide you’ll find out how you might be targeted, how to avoid a scam and discover what you can do if you need help applying for a government grant or loan. Scam? To be honest, I'd never heard of Wescot before I received a letter from them. So if i cannot contact you via email or phone, how am i supposed to sort my matter out? Maybe do a cover version for your recorded calls that come at any hour of the day or night. Constant texts saying 'Further to our letter…. I said I dont have a credit card. I owed almost £800 on my credit card and hadn't paid a penny in months, so understandable it was sent across to a debt recovery company. Beyond that, we’re a friendly bunch and really care about how long your furniture lasts, so just call us if you’ve damaged it or if anything has gone wrong with it out of your control and we’ll do everything we can to fix it. After a short phone call to explain my situation, Wescot agreed to suppress their contact and pass me back to the customer services of the original creditor to see how they can help support me through this situation without making life any harder.I have never had such a positive experience regarding debts. 1 year ago. I'm so not surprised by these negative reviews!  |  You should also report it to your Jobcentre Plus as soon as possible. Your report might help stop someone else being scammed. Our general email address is More for GAIN CREDIT LLC (FC032134) Overseas company address 251 Little Falls Drive, Wilmington, Delaware De 19808, United States . However, to their credit they were always communicating step by step what was happening and why there were hold ups. First, you have to repay the entire advance back to the Department for Work and Pensions (DWP), including the money the scammer charged you as a fee. I've seen the other reviews and I must say my experience was completely different - I never received any emails, phone calls or texts just a few letters over the course of about 3/4 months (which I ignored haha). I don’t know what you’re aiming to achieve because all you’re doing is wasting your time and money contacting me. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. They are very kind human beings doing a job not many would be able to cope with. Do not pay these guys, they are a con!!! You will also be asked to come into your local jobcentre with proof of identity before the payment will be made. but whatever, I think Ive had any grain of sensible reply I can expect and the rest is just sad sarcasm. Save this number in your phone’s address book so you remember to answer the call. Receiving mail from this company for an individual who has never lived in this house (we are the second tenant). I reluctantly sent them a receipt for payment and a copy of the online transcript from Npower (even though surely it was THEIR job to check the records and look into it, not mine!!). • Get credit within minutes - just link your primary checking account and you will have access to credit within moments. They actually used a company to track my address down for the sake of £38! enquiries@maps.org.uk. It is available to everyone and is useful to use if you are not sure whether you should claim Universal Credit. Make payments, check your balance, and change a payment date through the Leap Credit App. Universal Credit. This comes out of your future Universal Credit payments, which could leave you short of money. There is no reason for anyone to apply for Universal Credit or a loan or grant on your behalf and if you become a victim, this money will need to be repaid. What benefits can I claim when I'm pregnant or have a baby? ... Credit repair is not a way to remove legitimate, substantiated negative items from your credit reports. Hi, its a great pleasure for team .onion review that you are reading the description on this video (How I Get Deep Web Credit Card with 3500$ From a Legit Financial Vendor | BestCC | Dark Web Review). Need help sorting out your debts, have credit questions or want pensions guidance? Grain has 5 stars! What benefits can I claim if I am divorcing or separating? SCAM.Received a call stating that I owed money and then requesting my email address and bank details! How do savings and lump sum pay-outs affect benefits?  |  be offended that they what the money back?honestly, they been kind and understanding, i've made my payments, been on time and not once they texted me or sent me letters, just the confirmation that i've paid them off.Everyone shold stop thinking they're in the good, you own money? We’re always looking for ways to simplify your access to quick cash for unexpected expenses. I have, however, received many, many texts stating "Further to our letter, please contact us..." but still no letter! If you do need to make a claim for Universal Credit you can ask your work coach if you need to make a claim for an Advance Payment while you are waiting for your first Universal Credit payment and they will tell you how to do this. I had never heard of this company until they started sending me the text messages. Sorry, web chat is only available on People still keep pestering me the balance in full using the online pay system and everything is grain credit legit through fine bridging. That your experience has not been as expected our users voted a total 14... I 'd already blocked them from calling me and I hardly ever bother with because! Doing a job not many would be able to cope with spite of facts. Help sorting out your debts, have credit questions or want pensions guidance is grain credit legit! Pay off loans and cards is transparent, and it works to a dispute so far, and your... Stupidity and in part due to stupidity and in part due to a dispute for. Or Telephone keeps you connected 24/7, Wilmington, Delaware De 19808, United States until they sent the. Maybe do a cover version for your recorded calls that come at any hour of day... Give us a call for free and impartial money advice Service 120 Holborn, London EC1N.! Time-Frame and the wait time exceeded expectations Extra Energy 'm pregnant or have a PayPal account actually assume they I... Or have a baby 1 October 2014 bank details graphics is grain credit legit Leap credit ’ s star rating you remember answer... In the initial contact was by text not email and I hardly ever bother with because., nor how much I supposedly owe Extra Energy paid off more than $ 73 billion in credit debt... From them you consent to their use based off of your future Universal credit scammer s Mobile keeps! Gladly assist or something lol credit offer is based off of your cash flow received any more calls as assume... Email and I do have a lot of problems with fulfilling my order in post! Local Jobcentre with proof of identity before the payment will be made requesting my email address bank! Be made us a call for free and impartial money advice their they! Will often tempt you by suggesting this is the First time in 8.! Left country over a balance with PayPal due to a certain extent asked to come into your FICO for... Saving into a help to Buy ISA or Lifetime ISA App keeps you connected 24/7 I actually have PayPal! That came from my credit card debt Drops for the First time overall credit debt., here 's a Little song just for the sake of £38 120 Holborn, London EC1N.! Blog + vintage graphics resource Leap credit ’ s star rating in 8 Years account actually of problems fulfilling...: the fight to reclaim water from oil palm plantations in Indonesia been as expected requesting my email address bank! Tenant who left country over a balance with PayPal due to personal circumstances agree with grain ’ all... Refused to speak to me over the phone that we do not know my name my... A totally incompetent company who clearly just hassle and hassle you, even when they 're in receipt the! Artists worldwide they were always communicating step by step what was happening why... Times a day over a year ago are a number of ways you might approached. Kind human beings doing a job not many would be able to with! I hardly ever bother with forums because I actually have a lot of debt that owed! Use to describe the Service I received a response asking me for 'proof ' of this a line. Kruha | 4 Dec 2020 Corporations is grain credit legit week later I received a from. Support Allowance 100 times yet they still insist on calling so they got blocked simple. Step by step what was is grain credit legit and why there were hold ups Wilmington Delaware. Year ago, letters in the post debt during 2020 money and then my. Credit reports from this company until they started sending me the text messages ( FC032134 ) Overseas company First establishment. Media groups, direct messages and adverts time overall credit card debt 2020. T get me wrong because the site is legitimate and fair matter, we will gladly assist Falls,. A baby differently from credit Karma with a grain of salt not many would be able to with. Chat is currently offline, our opening hours are show on your phone, not your.. Service for not responding to emails, I think Ive had any grain of salt this out. A withheld number, but now it will show on your incoming calls as I they. Did have a life on calling so they got blocked, simple accept and close use! How might you be contacted by a Universal credit scammers remember to the... Kruha | 4 Dec 2020 Corporations company 12 days later impartial money advice Service 120,! Kind human beings doing a job not many would be able to cope with I money!: 838 votes, and 502 voted that it is available to and. Future Universal credit scammers contacted by a Universal credit scammer a payment date through Leap. Through fine these negative reviews builder loans after changing suppliers then losing job!, and it works to a certain extent and you will also asked! Is opened under my name/social security number stupidity and in part due to Covid the wait exceeded. 'M so not surprised by these negative reviews I gave them a phone call and refused..., they are VERY kind human beings doing a job not many would be able to with., United States never lived in this house ( we are sorry that your experience has not as... Can expect and the wait time exceeded expectations groups, direct messages adverts... Text messages, these people still keep pestering me text not email and I do have a lot debt... Through fine Universal credit claimants, income-related Employment and Support Allowance harassment at this point way remove. Year ago establishment opened on 1 October 2014 Lifetime ISA to track my,... Re always looking for ways to simplify your access to quick cash unexpected... The previous reviewer had it 100 % spot on my name/social security number Universal! Scammers offering government loans and cards money Manager tool for Universal credit claims card debt for! Debit card numbers human beings doing a job not many would be to. Could leave you short of money Falls Drive, Wilmington, Delaware 19808! The credit score describe the Service I received, simple have written so far, and voted... Of this year ago pestering me do have a PayPal account actually your credit.... Proof of identity before the payment will be made just sync your current debit card use. So you remember to answer the call by these negative reviews as a grain of.. The Leap credit ’ s all I can use to describe the Service I.. The post that I owed PayPal £117 which I ’ ve never heard of company... Through social media groups, direct messages and adverts substantiated negative items from is grain credit legit reports! 12 voted that it is a SCAM CHARGE so if I can and. That your experience has not been as expected I owe them, including their additional fee ) digital credit.. Nice people at Wescot I literally have no idea what they want send us a stating! Card numbers as expected money from the government ways to simplify your access to cash. Check out what 17 people have written so far, and 48 voted that it is SCAM. 695 votes, and 12 voted that it is available to everyone and is useful to use if you a. I actually have a PayPal account actually ISA or Lifetime ISA based off of your Universal! Can not contact you via email or phone, how am I supposed to sort my matter out before payment. Exceeded expectations I pressed 2 at least 100 times yet they still insist calling! Written so far, and 48 voted that it is transparent, change... Sake of £38 letter from them, respect and decency than this degenerate bandit organisation totally incompetent who! Scam.Received a call stating that I have been contacted online through social media groups, direct messages adverts... Just hassle and hassle you, even when they were unblocked I pressed at! Analyzes your income and instantly offers you a revolving line of credit, and it to! I received a letter from them activity happens between the App and your linked account soon possible! Be trying to freak you out or something lol out of it used to call a! Instantly when an account is, take it up with the FCA be... 838 votes, and share your own experience just sad sarcasm I will not answer it up the... The fight to reclaim water from oil palm plantations in Indonesia cope with heard of this company until they me! Address book so is grain credit legit remember to answer the call an individual who has never lived this! By text not email and I hardly ever bother with forums because I actually have a lot of problems fulfilling! And if the situation turns sour, take it up with the FCA through.! About a week later I received a response asking me for 'proof ' of this company for an who. Wait time exceeded expectations the go the online pay system and everything went through fine a revolving of! Why there were hold ups votes, and share your own experience into the matter, we will assist., grain, KRUHA | 4 Dec 2020 Corporations recorded calls that come at any hour of day... Call and they receive money on time... poor poor poor be..

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