27 Aug 08 United States Secret Service FAQ: Credit Card Fraud
Even though the following reads for a “non-criminal” complaint and your dispute with Gisol will be criminal, the points below do apply. Taken from the United States Secret Service website FAQ:
What should I do if I think I have been victimized by credit card fraud or identity theft?
If you have been the victim of credit card fraud or identity theft, the following tips will assist you:
If your complaint is essentially a non-criminal dispute with a retailer or other business, you must immediately dispute the charge(s) in writing with the customer relations office of your credit card company.
- Report the crime to the police immediately. Get a copy of your police report or case number. Credit card companies, your bank, and the insurance company may ask you to reference the report to verify the crime.
- Immediately contact your credit card issuers. Get replacement cards with new account numbers and ask that the old account be processed as “account closed at consumer’s request” for credit record purposes. You should also follow up this telephone conversation with a letter to the credit card company that summarizes your requests in writing.
- Call the fraud units of the three credit reporting bureaus. Report the theft of your credit cards and/or numbers. Ask that your accounts be flagged. Also, add a victim’s statement to your report requesting they contact you to verify future credit applications. The following is a list of addresses and numbers to the three credit bureaus:Equifax Credit Information Services - Consumer Fraud Division
P.O. Box 105496
Atlanta, Georgia 30348-5496
Tel: (800) 997-2493
www.equifax.comExperian
P.O. Box 2104
Allen, Texas 75013-2104
Tel: (888) EXPERIAN (397-3742)
www.experian.comTrans Union Fraud Victim Assistance Dept.
P.O. Box 390
Springfield, PA 19064-0390
Tel: (800) 680-7289
www.transunion.com- Keep a log of all conversations with authorities and financial entities.
- As with any personal information, only provide your credit card number to merchants you know. Also, remember to protect your social security number. You have to give your social security number for employment and tax purposes, but it is not necessary for many businesses. Notify the Social Security Administration if you suspect your Social Security number has been used fraudulently.
- # The Federal Trade Commission (FTC) is the federal clearinghouse for complaints by victims of identity theft. Although the FTC does not have the authority to bring criminal cases, the Commission assists victims of identity theft by providing them with information to help them resolve the financial and other problems that can result from identity theft. The FTC also may refer victim complaints to other appropriate government agencies and private organizations for further action. If you have been a victim of ID theft, you can file a complaint with the FTC by contacting the FTC’s Consumer Response Center.By phone:
Toll Free 877-FTC-HELP (382-4357)
TDD: 202-326-2502By mail:
Consumer Response Center
Federal Trade Commission
600 Pennsylvania Ave, NW
Washington, DC 20580On the Internet:
www.ftc.gov/ftc/complaint.htmFor consumer information:
www.ftc.gov/ftc/consumer.htm
19 Aug 08 Problems with Gisol - Self Help.
I thought we could start a self help chapter of arguments for the credit card companies.
This would be my first, but others can add their thoughts as well:
Understand that I am not an attorney and only offer suggestions to help clarify your position with the courts and the credit card companies. Your cases are all different and you must decide if this information works in your case.
1.One of the biggest problems that has come up is that signatures are being either forged or copied to multiple documents as if you did it.
2.These copies are identical, after all they are copies.
3.There is only one signature and that signature can only be originated or tied to one document.
4.Instead of arguing the forgery, argue its value.
5.In other words even if the signature is valid it can only be valid in one place.
6.Gisol either has a agreement that was signed and the bill violates the statue of frauds because it is over $500.00 without a valid signature. Or the order is valid and the agreement isn’t, and if that is the case, there is nothing holding you to the order.
7.Only one of these cases can be true. There is only one signature. And in either case your charge back should be honored.
Another issue that has come up frequently is that of ownership of the domain name. This issue takes on two valid arguments from your side.
1.Because the domain name is the first entry you make and prior to the signing of an agreement.
Gisol took possession of your intellectual property prior to any agreement.
2.The second issue arises from the agreement stating that he owns your intellectual property.
First of all it is highly questionable that that is legal or enforceable. Not even non disclosure agreements designed to protect intellectual property can take ownership of prior knowledge of intellectual property, and it clearly has to say so or the agreement is invalid. But even if it were. You did not bring your domain name into the site. Gisol did, and gisol did it prior to any agreement or purchase. So, even if gisol could argue that he owns your website that you brought into his hosting site. You did not bring the domain name in. Gisol did.
Another issue that comes up all the time that no one is bothering to tackle. The second paragraph of the agreement clearly states that “use“ of services is acceptance of the agreement. This is a critical statement, largely because it is not necessary for a agreement to be valid. It doesn’t say signing the agreement is acceptance, or having used the services is acceptance. It is very specific. Gisol uses the term “use”.
Because of the unnecessary nature of this statement and that it is so specific, it requires you to actually be using the services in order for the contract to be in force. If you stop using it for any reason the contract or agreement is no longer in force. Or is it binding.
Thats a literal interpretation of the contract and you should check that with a good, and I did say GOOD attorney. Or better yet a law school.
15 Aug 08 Please contact LA County District Attorney
The following has been posted on Raoul’s site:
Jim says:
If you have been scammed by GISOL please call the CA district attorney Robert Jackson at 213-580-3324. Robert told me that because GISOL has been using several addresses that they were having trouble finding jurisdiction on the matter. One DA needs as many complaints as we can get him. Please call and tell him your information.
Thanks
Comment — August 14, 2008 @ 10:42 am
Robert Jackson is part of the Los Angeles County District Attorney’s Consumer Protection Division.
Consumer Protection Division
Los Angeles County District Attorney’s Office
201 North Figueroa St., Suite 1600
Los Angeles, CA 90012
(213) 580-3273
UPDATE Oct 1st, 2008:
Dianne Suzuki of the same office has now taken over the Gisol investigation, and is THE person to contact. Her phone number is 213 580 6793. I have her email address also if you want to contact her in that way. Please send me a request on report[dot]gisol[at]gmail[dot]com and I will forward her address to you.
Quote from their website that certainly applies to Gisol:
The District Attorney’s Consumer Protection Division (CPD) investigates and prosecutes unfair or dishonest business practices so that Los Angeles consumers get a dollar’s value for their dollar spent. The division’s work also protects honest business people from dishonest competitors.
Through lawsuits which levy heavy monetary penalties for fraudulent practices and through jail sentences, CPD strives to uphold the California laws which protect the consumer. Examples of fraudulent business practices include:
False Advertising: It is illegal to sell goods or services through the use of untrue or misleading statements. False ads might misrepresent “sale” or “special” prices, or the features of a product, or the availability of sales goods. Read ads carefully, and watch out for fine print at the bottom. The advertiser is at fault if the ad has the tendency to mislead, even if there is no intent to defraud.
Deceptive Sales Practices: Examples of these include the “hard sell,” where high pressure tactics and half-truths are used to force a hasty purchase, and “bait-and-switch,” where consumers are lured into a store with an appealing ad and then switched to a more expensive item.
28 Jul 08 Possible New Scam by Gisol
Be aware of a possible new scam by the crooks at Gisol. They allowed my domain name to expire and it was quickly bought up by a company with the name of Acquire This Name. I offered to buy my domain for $9.95 (the normal domain name fee). Below is a copy of numerous letters that I have received from this company. My offer was insufficient but they will graciously sell it to me at THEIR ridiculous price.
……………………………
Betty Jo
We have received your email regarding the domain bjswebworks.com
The owner of the domain has listed the sales price of $1,750 for this domain.
To purchase this domain, please reply to this email with your contact information and an AcquireThisName.com (ATN) representative will contact the owner on your behalf. Upon hearing from the domain owner, we will notify you.
Best Regards,
Brian
AcquireThisName.com
BrianL[at]AcquireThisName[dot]com
………………………………….
So now they are trying to resell me my domain name and the price is surprisingly close to the $1798.20 that they already stole from me!! DO NOT FALL FOR THIS SCAM! I believe it is the same people that own Gisol. What a racket!!
Betty Jo
26 Jun 08 ALL CONTACT INFO FOR JACK SPIVAK, AND HIS RELATIVES AND NEIGHBORS
Search Results
Subject Name:
SPIVAK, JACK DAVID
Date:
7/20/2007 7:27:23 PM
Report Number:
10****
Name and Address Reported Information for SPIVAK, JACK DAVID
Name(s):
SPIVAK, JACK DAVID
SPIVAK, YAKOV
Associated names:
Based on the criteria entered, the above names are associated aliases of your subject.
Possible Current Phone:
(323) 852-9059
Address(es):
807 Gardner St, Los Angeles, CA 90046
Reported:10/20/2006
809 Gardner St, Los Angeles, CA 90046
Reported:01/17/2006
7911 Melrose Ave, Los Angeles, CA 90046
Reported:07/18/2001
2600 Zorada Dr # 513, Los Angeles, CA 90046
Reported:10/01/1998
3223 Laurel Canyon Blvd, Studio City, CA 91604
Reported:06/01/1997
1309 Martel Ave # 308, Los Angeles, CA 90046
Reported:04/01/1997
3223 Laurel Canyon Blvd, North Hollywood, CA 91604
Reported:12/01/1993
Footnotes:
The above address(es) are associated with your subject.
Date of Birth:
04/15/1948, 59 years old
The above date is your subjects birthday.
Possible Relatives for SPIVAK, JACK DAVID
Name:
SPIVAK, ZOYA S
AKA(s):
SPIVAK, ZOYA, S
Address(es):
32 Brookmont, Irvine, CA 92604
1309 Martel Ave, Los Angeles, CA 90046
25155 Biarritz Cir, Oak Park, MI 48237
18 Hollowglen, Irvine, CA 92604
2600 Zorada Dr, Los Angeles, CA 90046
3223 Laurel Canyon Blvd, North Hollywood, CA 91604
807 Gardner St, Los Angeles, CA 90046
18 Hollowglen, Santa Ana, CA 92714
Phone:
(949) 551-6702
Date of Birth:
04/25/1961
Reported:
12/01/1993
Name:
SPIVAK, YAKOV
AKA(s):
SPIVAK, YAKOV,
Address(es):
807 Gardner St, Los Angeles, CA 90046
3223 Laurel Canyon Blvd, North Hollywood, CA 91604
18 Hollowglen, Santa Ana, CA 92604
18 Hollowglen, Santa Ana, CA 92714
807 Gardner St, West Hollywood, CA 90046
Phone:
(213) 653-1252
Date of Birth:
/ /1950
Reported:
12/31/1996
Name:
MENELLA, MIICHAIL D
AKA(s):
MENELLA, MIICHAIL, D
SPIVAK, MENELLA, D
SPIVAK, MIKHAIL, D
Address(es):
2600 Zorada Dr, Los Angeles, CA 90046
137 Virgil Ave, Los Angeles, CA 90004
3223 Laurel Canyon Blvd, Studio City, CA 91604
7300 Sunset Blvd, Los Angeles, CA 90046
7771 Sunset Blvd, Los Angeles, CA 90046
5056 Laurel Canyon Bl, Valley Village, CA 91607
13245 Bloomfield St, Sherman Oaks, CA 91423
3223 Laurel Canyon Blvd, North Hollywood, CA 91604
Phone:
(323) 851-5217
Date of Birth:
04/14/1948
Reported:
10/11/2005
Name:
SPIVAK, MENELLA
AKA(s):
SPIVAK, MANELLA,
SPIVAK, MENELLA,
Address(es):
2600 Zorada Dr, Los Angeles, CA 90046
7771 Sunset Bl, Los Angeles, CA 90046
7300 Sunset Blvd, Los Angeles, CA 90046
137 Virgil, Los Angeles, CA 90004
3223 Laurel Canyon Blvd, Studio City, CA 91604
13245 Bloomfield St, Sherman Oaks, CA 91423
3223 Laurel Canyon Blvd, North Hollywood, CA 91604
Phone:
(323) 876-5094
Date of Birth:
12/03/1952
Reported:
04/01/2001
Name:
SPIVAK, STANISLAV
AKA(s):
SPIRAH, STAN,
SPIVAK, STAN, M
SPIVAK, STANISLAV,
Address(es):
7513 Fountain Ave, Los Angeles, CA 90046
7272 Sunset Blvd, Los Angeles, CA 90046
2600 Zorada Dr, Los Angeles, CA 90046
3223 Laurel Canyon Blvd, Studio City, CA 91604
7272 1st, Los Angeles, CA 90048
3223 Laurel Canyon Blvd, North Hollywood, CA 91604
5223 Laurel Cyn, Studio City, CA 91604
Phone:
(323) 876-1786
Date of Birth:
02/18/1972
Reported:
11/13/2000
Name:
SPIVAK, MIKHAIL D
AKA(s):
SPIVAK, MIKHAIL, D
Address(es):
137 Virgil Ave, Los Angeles, CA 90004
2600 Zorada Dr, Los Angeles, CA 90046
5056 Laurel Canyon Bl, Valley Village, CA 91607
7300 Sunset Blvd, Los Angeles, CA 90046
7771 Sunset Blvd, Los Angeles, CA 90046
28190 Sutherland St, Southfield, MI 48076
3223 Laurel Canyon Blvd, Studio City, CA 91604
Phone:
Not Found
Date of Birth:
04/14/1948
Reported:
07/18/2001
Name:
SPIVAK, BRIAN A
AKA(s):
SPIVAK, BRIAN, A
Address(es):
807 Gardner St, Los Angeles, CA 90046
Phone:
Not Found
Date of Birth:
02/22/1983
Reported:
10/11/2005
Name:
SPIVAK, JOHN
AKA(s):
SPIVAK, JOHN,
Address(es):
807 Gardner St, Los Angeles, CA 90046
Phone:
(323) 852-9059
Reported:
06/01/2001
Name:
SPIVAK, JOHN
AKA(s):
SPIVAK, JOHN,
Address(es):
3223 Laurel Canyon Blvd, Studio City, CA 91604
Phone:
(213) 654-3909
Reported:
01/01/1995
Possible Associates of SPIVAK, JACK DAVID
Name:
GOLLADAY, PAUL MERVIN
AKA(s):
GOLLADAY, PAUL, MERVIN
Address(es):
4933 Calvin Ave, Tarzana, CA 91356
41 Dapplegray Rd, Bell Canyon, CA 91307
3223 Laurel Canyon Blvd, Studio City, CA 91604
3223 Laurel Canyon Blvd, North Hollywood, CA 91604
Phone:
883-9717
Date of Birth:
05/10/1936
Reported:
11/13/2000
Name:
BEAN, RONALD H
AKA(s):
BEAN, RONALD, H
Address(es):
475 Stevens Rd, Palm Springs, CA 92262
4933 Calvin Ave, Tarzana, CA 91356
41 Dapplegray Rd, Bell Canyon, CA 91307
3223 Laurel Canyon Blvd, Studio City, CA 91604
3223 Laurel Canyon Blvd, North Hollywood, CA 91604
Phone:
(760) 323-6904
Date of Birth:
02/29/1936
Reported:
11/13/2000
Details for 807 N Gardner St, Los Angeles CA 90046
Listed Phone Numbers for 807 N Gardner St, Los Angeles CA 90046
Name:
MILLER, ANDREW D
Phone:
473-5322 As Of 01/01/2004
Name:
NOURSE, WILLIAM MICHAEL
Phone:
(903) 561-7501 As Of 07/13/2001
Name:
DELLANO, ALBERTO A
Phone:
(323) 960-2505 As Of 11/13/2000
Name:
DELLANO, BERTHA A
Phone:
(323) 960-2482 As Of 11/13/2000
Name:
CAMARA, MARIO A
Phone:
167-3000 As Of 12/31/1996
Name:
DIGIANDOMENICO, JOSEPH F
Phone:
(212) 924-1015 As Of 12/01/1996
Name:
BENNINGHOFEN, JILL Z
Phone:
(612) 822-0580 As Of 12/01/1993
Name:
OWEN, MONICA TRUST
Phone:
798-1613 As Of 12/01/1993
Name:
CURTIS, ELLEN KAYE
Phone:
(805) 466-3241 As Of 08/01/1993
Name:
MILNER, HARRY H
Phone:
653-1430 As Of 08/01/1993
Property Ownership for 807 N Gardner St, Los Angeles CA 90046
Primary Owner:
SPIVAK JACK
Site Address:
807 N GARDNER ST
LOS ANGELES CA 90046
Owner Address:
807NGARDNERST
LOS ANGELESCA 90046
APN:
5526003002
Assessed Value
$260,000.00
Neighbors for 807 N Gardner St, Los Angeles CA 90046
Name:
STEINBERG, AMY JILL
Address:
802 N Gardner St, Los Angeles CA 90046
Phone:
(323) 954-9971
Reported:
11/13/2000
Name:
BRENNER, GREGORY DAVID
Address:
802 N Gardner St, Los Angeles CA 90046
Phone:
(213) 954-9971
Reported:
07/01/1996
Name:
HARPE, ROBERT GEORGE
Address:
801 N Gardner St, Los Angeles CA 90046
Phone:
(818) 241-4732
Reported:
09/01/1995
Name:
BOONYODOM, SONGKALARP
Address:
801 N Gardner St, Los Angeles CA 90046
Phone:
Not Found
Reported:
11/01/1990
Name:
VALVERDE, VICTOR
Address:
801 N Gardner St, Los Angeles CA 90046
Phone:
Not Found
Reported:
08/01/1987
Name:
WYGANT, CONRAD KINGDON
Address:
801 N Gardner St, Los Angeles CA 90046
Phone:
752-3998
Reported:
12/01/1993
Name:
CASABLANCE, JOHN P
Address:
801 N Gardner St, Los Angeles CA 90046
Phone:
906-2047
Reported:
03/22/2006
Name:
CASABLANCE, JEANNETTE P
Address:
801 N Gardner St, Los Angeles CA 90046
Phone:
(323) 951-4927
Reported:
07/11/2005
Name:
NICELY, JOSEPH B
Address:
801 N Gardner St, Los Angeles CA 90046
Phone:
Not Found
Reported:
01/01/1995
Name:
CAMPOS, VICTOR M
Address:
801 N Gardner St, Los Angeles CA 90046
Phone:
(323) 466-5076
Reported:
06/01/1998
Name:
GOSS, MICHAEL
Address:
801 N Gardner St, Los Angeles CA 90046
Phone:
Not Found
Reported:
05/01/1998
Name:
BOONYODOM, S
Address:
801 N Gardner St, Los Angeles CA 90046
Phone:
(310) 655-5974
Reported:
06/01/1994
Name:
CASABLANCA, JEANNETTE PATZI
Address:
801 N Gardner St, Los Angeles CA 90046
Phone:
(323) 951-4927
Reported:
10/20/2006
Name:
ROZMAN, TANIKA T
Address:
801 N Gardner St, Los Angeles CA 90046
Phone:
Not Found
Reported:
07/01/1998
Name:
BANDES, CRAIG R
Address:
802 N Gardner St, Los Angeles CA 90046
Phone:
(703) 535-8785
Reported:
10/01/2000
Current and Previous Occupants for 807 N Gardner St, Los Angeles CA 90046
Name:
MILLER, ANDREW D
Address:
807 N Gardner St, Los Angeles CA 90046
Phone:
473-5322
Reported:
01/01/2004
Name:
NOURSE, WILLIAM MICHAEL
Address:
807 N Gardner St, Los Angeles CA 90046
Phone:
(903) 561-7501
Reported:
07/13/2001
Name:
DELLANO, BERTHA A
Address:
807 N Gardner St, Los Angeles CA 90046
Phone:
(323) 960-2482
Reported:
11/13/2000
Name:
DELLANO, ALBERTO A
Address:
807 N Gardner St, Los Angeles CA 90046
Phone:
(323) 960-2505
Reported:
11/13/2000
Name:
CAMARA, MARIO A
Address:
807 N Gardner St, Los Angeles CA 90046
Phone:
167-3000
Reported:
12/31/1996
Name:
DIGIANDOMENICO, JOSEPH F
Address:
807 N Gardner St, Los Angeles CA 90046
Phone:
(212) 924-1015
Reported:
12/01/1996
Name:
OWEN, MONICA TRUST
Address:
807 N Gardner St, Los Angeles CA 90046
Phone:
798-1613
Reported:
12/01/1993
Name:
BENNINGHOFEN, JILL Z
Address:
807 N Gardner St, Los Angeles CA 90046
Phone:
(612) 822-0580
Reported:
12/01/1993
Name:
CURTIS, ELLEN KAYE
Address:
807 N Gardner St, Los Angeles CA 90046
Phone:
(805) 466-3241
Reported:
08/01/1993
Name:
MILNER, HARRY H
Address:
807 N Gardner St, Los Angeles CA 90046
Phone:
653-1430
Reported:
08/01/1993
Name:
DELLAND, ALBERTO
Address:
807 N Gardner St, Los Angeles CA 90046
Phone:
Not Found
Reported:
02/01/1986
Details for 809 N Gardner St, Los Angeles CA 90046
Listed Phone Numbers for 809 N Gardner St, Los Angeles CA 90046
Name:
NADERHOFF, PAT
Phone:
(323) 658-8047 As Of 02/25/2004
Name:
NADERHOFF, PATRICIA L
Phone:
(323) 658-8047 As Of 07/01/1996
Name:
NADEKHOFF, PATRICIA L
Phone:
(323) 658-8047 As Of 11/09/2005
Name:
GIBSON, CATHY JAYNE
Phone:
(323) 668-2839 As Of 03/01/2003
Name:
RUIZ, FRANCISCO R
Phone:
000-0800 As Of 07/19/2001
Name:
PENA, FRANCISCO R
Phone:
851-0659 As Of 11/13/2000
Name:
AVILA, MARIA ADELAIDA
Phone:
794-2635 As Of 11/13/2000
Name:
NADERHOFF, ALICE M
Phone:
(614) 457-2070 As Of 04/01/1998
Name:
RODRIGUEZ, EUGENIA
Phone:
842-8471 As Of 12/31/1996
Name:
AVILA, MANUEL G
Phone:
(626) 794-1227 As Of 12/31/1996
Name:
RODRIGUEZ, GEORGE
Phone:
842-8471 As Of 12/01/1993
Name:
STUART, WILLIAM V
Phone:
(310) 273-3196 As Of 12/01/1993
Name:
PICCONE, KATHLEEN POPE
Phone:
(312) 642-0083 As Of 05/01/1990
Neighbors for 809 N Gardner St, Los Angeles CA 90046
Name:
BANDES, CRAIG R
Address:
802 N Gardner St, Los Angeles CA 90046
Phone:
(703) 535-8785
Reported:
10/01/2000
Name:
STEINBERG, AMY JILL
Address:
802 N Gardner St, Los Angeles CA 90046
Phone:
(323) 954-9971
Reported:
11/13/2000
Name:
BRENNER, GREGORY DAVID
Address:
802 N Gardner St, Los Angeles CA 90046
Phone:
(213) 954-9971
Reported:
07/01/1996
Name:
HARPE, ROBERT GEORGE
Address:
801 N Gardner St, Los Angeles CA 90046
Phone:
(818) 241-4732
Reported:
09/01/1995
Name:
BOONYODOM, SONGKALARP
Address:
801 N Gardner St, Los Angeles CA 90046
Phone:
Not Found
Reported:
11/01/1990
Name:
VALVERDE, VICTOR
Address:
801 N Gardner St, Los Angeles CA 90046
Phone:
Not Found
Reported:
08/01/1987
Name:
WYGANT, CONRAD KINGDON
Address:
801 N Gardner St, Los Angeles CA 90046
Phone:
752-3998
Reported:
12/01/1993
Name:
CASABLANCE, JOHN P
Address:
801 N Gardner St, Los Angeles CA 90046
Phone:
906-2047
Reported:
03/22/2006
Name:
CASABLANCE, JEANNETTE P
Address:
801 N Gardner St, Los Angeles CA 90046
Phone:
(323) 951-4927
Reported:
07/11/2005
Name:
NICELY, JOSEPH B
Address:
801 N Gardner St, Los Angeles CA 90046
Phone:
Not Found
Reported:
01/01/1995
Name:
CAMPOS, VICTOR M
Address:
801 N Gardner St, Los Angeles CA 90046
Phone:
(323) 466-5076
Reported:
06/01/1998
Name:
GOSS, MICHAEL
Address:
801 N Gardner St, Los Angeles CA 90046
Phone:
Not Found
Reported:
05/01/1998
Name:
BOONYODOM, S
Address:
801 N Gardner St, Los Angeles CA 90046
Phone:
(310) 655-5974
Reported:
06/01/1994
Name:
CASABLANCA, JEANNETTE PATZI
Address:
801 N Gardner St, Los Angeles CA 90046
Phone:
(323) 951-4927
Reported:
10/20/2006
Name:
ROZMAN, TANIKA T
Address:
801 N Gardner St, Los Angeles CA 90046
Phone:
Not Found
Reported:
07/01/1998
Current and Previous Occupants for 809 N Gardner St, Los Angeles CA 90046
Name:
SPIRAK, JACK
Address:
809 N Gardner St, Los Angeles CA 90046
Phone:
Not Found
Reported:
02/13/2006
Name:
NADEKHOFF, PATRICIA L
Address:
809 N Gardner St, Los Angeles CA 90046
Phone:
(323) 658-8047
Reported:
11/09/2005
Name:
GIBSON, CATHY JAYNE
Address:
809 N Gardner St, Los Angeles CA 90046
Phone:
(323) 668-2839
Reported:
03/01/2003
Name:
RUIZ, FRANCISCO R
Address:
809 N Gardner St, Los Angeles CA 90046
Phone:
000-0800
Reported:
07/19/2001
Name:
AVILA, MARIA ADELAIDA
Address:
809 N Gardner St, Los Angeles CA 90046
Phone:
794-2635
Reported:
11/13/2000
Name:
PENA, FRANCISCO R
Address:
809 N Gardner St, Los Angeles CA 90046
Phone:
851-0659
Reported:
11/13/2000
Name:
NADERHOFF, ALICE M
Address:
809 N Gardner St, Los Angeles CA 90046
Phone:
(614) 457-2070
Reported:
04/01/1998
Name:
AVILA, MANUEL G
Address:
809 N Gardner St, Los Angeles CA 90046
Phone:
(626) 794-1227
Reported:
12/31/1996
Name:
RODRIGUEZ, EUGENIA
Address:
809 N Gardner St, Los Angeles CA 90046
Phone:
842-8471
Reported:
12/31/1996
Name:
STUART, MAUREEN TRUST
Address:
809 N Gardner St, Los Angeles CA 90046
Phone:
Not Found
Reported:
12/31/1996
Name:
RODRIGUEZ, GEORGE
Address:
809 N Gardner St, Los Angeles CA 90046
Phone:
842-8471
Reported:
12/01/1993
Name:
STUART, WILLIAM V
Address:
809 N Gardner St, Los Angeles CA 90046
Phone:
(310) 273-3196
Reported:
12/01/1993
Name:
PICCONE, KATHLEEN POPE
Address:
809 N Gardner St, Los Angeles CA 90046
Phone:
(312) 642-0083
Reported:
05/01/1990
Details for 7911 Melrose Ave, Los Angeles CA 90046
Listed Phone Numbers for 7911 Melrose Ave, Los Angeles CA 90046
Name:
TOMPKINS, DAVID P
Phone:
(323) 654-5292 As Of 10/01/2004
Name:
MILLEY, SANDRA
Phone:
(323) 655-6055 As Of 06/22/2006
Name:
STEINER, BERNADETTE S
Phone:
(323) 655-6055 As Of 10/25/2005
Name:
CARLISLE, HEIFARA
Phone:
(323) 653-3073 As Of 11/01/2004
Name:
TOMPKINS, DAVID PATRICK
Phone:
(323) 654-5292 As Of 10/01/2004
Name:
GLEZER, EILEEN BILHA
Phone:
(805) 254-1889 As Of 07/18/2001
Name:
GORDIENKO, ELENA
Phone:
(323) 654-2122 As Of 07/18/2001
Name:
GLEZER, JUDAH W
Phone:
(661) 254-0508 As Of 12/01/1993
Neighbors for 7911 Melrose Ave, Los Angeles CA 90046
Name:
GOMBINER, ANDREW STEPHAN
Address:
7901 Melrose Ave, Los Angeles CA 90046
Phone:
(310) 456-2639
Reported:
01/26/2006
Name:
HAGHIRI, MEHRZAD MH
Address:
7901 Melrose Ave, Los Angeles CA 90046
Phone:
826-0848
Reported:
02/01/1995
Name:
BOSTANIAN, VARDRES
Address:
7900 Melrose Ave, Los Angeles CA 90046
Phone:
(323) 463-2055
Reported:
01/01/1996
Name:
KESHISHIAN, HAROUTUN
Address:
7900 Melrose Ave, Los Angeles CA 90046
Phone:
(323) 466-8424
Reported:
11/13/2000
Name:
ANAHIT, BOSTANIAN
Address:
7900 Melrose Ave, Los Angeles CA 90046
Phone:
(323) 466-8424
Reported:
08/01/2000
Name:
AVAZIAN, PAUL G
Address:
7900 Melrose Ave, Los Angeles CA 90046
Phone:
Not Found
Reported:
02/01/1985
Name:
AVAZIAN, GRACE FAMILY
Address:
7900 Melrose Ave, Los Angeles CA 90046
Phone:
(323) 939-0494
Reported:
12/01/1993
Name:
KRASNOPOLSKY, SAMUEL
Address:
7901 Melrose Ave, Los Angeles CA 90046
Phone:
852-1444
Reported:
08/15/2005
Name:
PARKER, PERCY C
Address:
7900 Melrose Ave, Los Angeles CA 90046
Phone:
Not Found
Reported:
08/01/1998
Name:
PARKER, FREDA C
Address:
7900 Melrose Ave, Los Angeles CA 90046
Phone:
Not Found
Reported:
07/01/1992
Name:
WINDMUELLER, MICHELLE PEARLMAN
Address:
7900 Melrose Ave, Los Angeles CA 90046
Phone:
(310) 839-4199
Reported:
07/18/2001
Name:
TATE, DAVID M
Address:
7901 Melrose Ave, Los Angeles CA 90046
Phone:
(310) 440-0040
Reported:
07/18/2001
Name:
GUNNETT, CAROL A
Address:
7900 Melrose Ave, Los Angeles CA 90046
Phone:
781-6568
Reported:
04/01/1981
Name:
WEAVER, ANDREW T
Address:
7900 Melrose Ave, Los Angeles CA 90046
Phone:
(310) 210-7148
Reported:
10/01/2005
Name:
NITSCHE, MELISSA
Address:
7900 Melrose Ave, Los Angeles CA 90046
Phone:
Not Found
Reported:
07/11/2005
Current and Previous Occupants for 7911 Melrose Ave, Los Angeles CA 90046
Name:
MILLEY, SANDRA
Address:
7911 Melrose Ave, Los Angeles CA 90046
Phone:
(323) 655-6055
Reported:
06/22/2006
Name:
STEINER, BERNADETTO S
Address:
7911 Melrose Ave, Los Angeles CA 90046
Phone:
Not Found
Reported:
10/25/2005
Name:
STEINER, BERNADETTE S
Address:
7911 Melrose Ave, Los Angeles CA 90046
Phone:
(323) 655-6055
Reported:
10/25/2005
Name:
CARLISLE, HELFARA
Address:
7911 Melrose Ave, Los Angeles CA 90046
Phone:
Not Found
Reported:
06/17/2005
Name:
LITUAKOU, EDWARD
Address:
7911 Melrose Ave, Los Angeles CA 90046
Phone:
Not Found
Reported:
04/14/2005
Name:
CARLISLE, HEIFARA
Address:
7911 Melrose Ave, Los Angeles CA 90046
Phone:
(323) 653-3073
Reported:
11/01/2004
Name:
TOMPKINS, DAVID PATRICK
Address:
7911 Melrose Ave, Los Angeles CA 90046
Phone:
(323) 654-5292
Reported:
10/01/2004
Name:
GLEZER, EILEEN BILHA
Address:
7911 Melrose Ave, Los Angeles CA 90046
Phone:
(805) 254-1889
Reported:
07/18/2001
Name:
GORDIENKO, ELENA
Address:
7911 Melrose Ave, Los Angeles CA 90046
Phone:
(323) 654-2122
Reported:
07/18/2001
Name:
DAVOUDI, SHAWN
Address:
7911 Melrose Ave, Los Angeles CA 90046
Phone:
Not Found
Reported:
06/26/1996
Name:
GLEZER, JUDAH W
Address:
7911 Melrose Ave, Los Angeles CA 90046
Phone:
(661) 254-0508
Reported:
12/01/1993
Details for 2600 Zorada Dr 513, Los Angeles CA 90046
Listed Phone Numbers for 2600 Zorada Dr 513, Los Angeles CA 90046
Name:
SPIVAK, RUVIN M
Phone:
(323) 876-0420 As Of 04/01/2000
Name:
SPIVAK, MENELLA
Phone:
(323) 851-5217 As Of 08/01/1999
Name:
SPIVAK, MENELLA
Phone:
(323) 876-5094 As Of 08/01/1999
Name:
MOROZOV, RAPHAEL
Phone:
(818) 881-8993 As Of 03/17/2006
Name:
FOKS, GALINA G
Phone:
505-8740 As Of 10/15/2005
Name:
OKS, MIKHAIL
Phone:
828-4416 As Of 07/02/2003
Name:
AMIR, CHARNIS
Phone:
(323) 656-8662 As Of 06/01/1999
Name:
FOKS, MARK
Phone:
505-8740 As Of 01/01/1999
Name:
SHELTON, JOHN PAUL
Phone:
874-1079 As Of 12/31/1996
Name:
OKS, SOPHIA
Phone:
655-0227 As Of 03/01/1996
Name:
GREENE, MICHALE
Phone:
(760) 346-1803 As Of 10/26/1994
Property Ownership for 2600 Zorada Dr 513, Los Angeles CA 90046
Primary Owner:
SPIVAK MIKHAIL
Secondary Owner:
SPIVAK FAMILY
Site Address:
2600 ZORADA DR
LOS ANGELES CA 90046
Owner Address:
2600ZORADADR
LOS ANGELESCA 90046
Phone Number:
(323) 876-5094
APN:
5569020017
Assessed Value
$148,000.00
Neighbors for 2600 Zorada Dr 513, Los Angeles CA 90046
Name:
RODRIGUEZ, RUBEN RICARDO
Address:
2608 Zorada Dr, Los Angeles CA 90046
Phone:
874-9696
Reported:
07/18/2001
Name:
MILLER, WILLIAM G
Address:
2608 Zorada Dr, Los Angeles CA 90046
Phone:
(713) 482-1790
Reported:
09/01/1992
Name:
MILLER, WILLIAM GREGORY
Address:
2608 Zorada Dr, Los Angeles CA 90046
Phone:
(415) 503-1630
Reported:
05/01/1993
Name:
GOODWIN, TROY L
Address:
2608 Zorada Dr, Los Angeles CA 90046
Phone:
278-8432
Reported:
12/01/1993
Name:
COURY, TIMOTHY MICHAEL
Address:
2608 Zorada Dr, Los Angeles CA 90046
Phone:
(323) 850-6160
Reported:
09/01/1993
Name:
DAVIS, RICHARD LEROY
Address:
2608 Zorada Dr, Los Angeles CA 90046
Phone:
(313) 869-7911
Reported:
08/20/1997
Name:
SWALE, THOMAS BENJAMIN
Address:
2608 Zorada Dr, Los Angeles CA 90046
Phone:
(323) 656-2529
Reported:
01/01/2004
Name:
ROMEO, CARL JOSEPH
Address:
2608 Zorada Dr, Los Angeles CA 90046
Phone:
(323) 656-2529
Reported:
01/01/1998
Name:
SHAMISOV, ANATOLY GALINA
Address:
2608 Zorada Dr, Los Angeles CA 90046
Phone:
(818) 981-6760
Reported:
12/01/2002
Name:
SANTOS, JOEL F
Address:
2608 Zorada Dr, Los Angeles CA 90046
Phone:
(818) 509-9711
Reported:
03/29/1994
Name:
MILLER, BETTY J
Address:
2608 Zorada Dr, Los Angeles CA 90046
Phone:
Not Found
Reported:
09/01/1992
Name:
SARKISSIANDR, RAFIK N
Address:
2608 Zorada Dr, Los Angeles CA 90046
Phone:
(323) 850-6496
Reported:
10/20/2006
Name:
IGOR, SHLIMOVICH TRUST
Address:
2608 Zorada Dr, Los Angeles CA 90046
Phone:
286-2277
Reported:
11/13/2000
Name:
CAMACHO, ENRIQUE
Address:
2608 Zorada Dr, Los Angeles CA 90046
Phone:
Not Found
Reported:
10/22/1996
Name:
SHAMISOV, GALINA
Address:
2608 Zorada Dr, Los Angeles CA 90046
Phone:
(818) 981-6760
Reported:
12/01/2002
Current and Previous Occupants for 2600 Zorada Dr 513, Los Angeles CA 90046
Name:
MOROZOV, RAPHAEL
Address:
2600 Zorada Dr, Los Angeles CA 90046
Phone:
(818) 881-8993
Reported:
03/17/2006
Name:
FOKS, GALINA G
Address:
2600 Zorada Dr, Los Angeles CA 90046
Phone:
505-8740
Reported:
10/15/2005
Name:
OKS, MIKHAIL
Address:
2600 Zorada Dr, Los Angeles CA 90046
Phone:
828-4416
Reported:
07/02/2003
Name:
AMIR, CHARNIS
Address:
2600 Zorada Dr, Los Angeles CA 90046
Phone:
(323) 656-8662
Reported:
06/01/1999
Name:
FOKS, MARK
Address:
2600 Zorada Dr, Los Angeles CA 90046
Phone:
505-8740
Reported:
01/01/1999
Name:
SHELTON, JOHN PAUL
Address:
2600 Zorada Dr, Los Angeles CA 90046
Phone:
874-1079
Reported:
12/31/1996
Name:
OKS, SOPHIA
Address:
2600 Zorada Dr, Los Angeles CA 90046
Phone:
655-0227
Reported:
03/01/1996
Name:
Greene, Michale
Address:
2600 Zorada Dr, Los Angeles CA 90046
Phone:
(760) 346-1803
Reported:
10/26/1994
Name:
SHELTON, GERALDINE P
Address:
2600 Zorada Dr, Los Angeles CA 90046
Phone:
Not Found
Reported:
04/01/1985
Details for 3223 Laurel Canyon Blvd, Studio City CA 91604
Listed Phone Numbers for 3223 Laurel Canyon Blvd, Studio City CA 91604
Name:
ABBAS, MARIA M
Phone:
(818) 415-3058 As Of 10/20/2006
Name:
ABBAS, AMMAR M
Phone:
382-7981 As Of 10/15/2005
Name:
RAMSEY, DONALD ALLEN
Phone:
(805) 566-1860 As Of 01/01/2004
Name:
HANSEN, WADE HARRY
Phone:
(805) 566-1860 As Of 01/01/2004
Name:
ABBAS, MARIA M
Phone:
(213) 388-0335 As Of 07/17/2001
Name:
ABBAS, ALIA M
Phone:
(213) 288-0299 As Of 03/01/2001
Name:
GOLLADAY, PAUL MERVIN
Phone:
883-9717 As Of 11/13/2000
Name:
BEAN, RONALD H
Phone:
(760) 323-6904 As Of 11/13/2000
Name:
NAIM, JALEH HALOOSSIM
Phone:
789-8306 As Of 01/01/1987
Property Ownership for 3223 Laurel Canyon Blvd, Studio City CA 91604
Primary Owner:
ABBAS MARIA
Site Address:
3223 LAUREL CANYON BLVD
STUDIO CITY CA 91604
Owner Address:
3223LAUREL CANYONBLVD
STUDIO CITYCA 91604
APN:
2381005015
Assessed Value
$260,000.00
Neighbors for 3223 Laurel Canyon Blvd, Studio City CA 91604
Name:
SCHMIDTJR, JACOB C
Address:
3211 Laurel Canyon Blvd, Studio City CA 91604
Phone:
(818) 623-6749
Reported:
09/01/2000
Name:
CHANG, JAMES TYZZGANG
Address:
3211 Laurel Canyon Blvd, North Hollywood CA 91604
Phone:
(213) 656-4545
Reported:
10/01/1993
Name:
CHANG, JAMES TYZZGANG
Address:
3211 Laurel Canyon Blvd, Studio City CA 91604
Phone:
(213) 656-4545
Reported:
02/25/2004
Name:
DESI, GRACE MERCEDES
Address:
3211 Laurel Canyon Blvd, Studio City CA 91604
Phone:
(323) 650-5638
Reported:
04/01/2001
Name:
CHANG, NI Y
Address:
3211 Laurel Canyon Blvd, North Hollywood CA 91604
Phone:
(323) 656-4545
Reported:
06/01/1993
Name:
CHANG, NI Y
Address:
3211 Laurel Canyon Blvd, Studio City CA 91604
Phone:
(323) 656-4545
Reported:
04/01/2000
Name:
ANDREWS, PAMELA A
Address:
3211 Laurel Canyon Blvd, North Hollywood CA 91604
Phone:
(818) 700-0372
Reported:
12/31/1996
Name:
SCHMIDT, JACOB
Address:
3211 Laurel Canyon Blvd, Studio City CA 91604
Phone:
(818) 623-6749
Reported:
01/01/2002
Name:
HU, SHU FEN
Address:
3211 Laurel Canyon Blvd, Studio City CA 91604
Phone:
(818) 447-4694
Reported:
06/01/1997
Name:
HU, SHOU GONG
Address:
3211 Laurel Canyon Blvd, Studio City CA 91604
Phone:
(818) 447-4694
Reported:
04/01/1997
Name:
CHANG, N Y
Address:
3211 Laurel Canyon Blvd, Studio City CA 91604
Phone:
Not Found
Reported:
07/01/1998
Name:
CHANG, WENDY
Address:
3211 Laurel Canyon Blvd, Studio City CA 91604
Phone:
Not Found
Reported:
01/01/1998
Name:
NOUE, LEO
Address:
3211 Laurel Canyon Blvd, Studio City CA 91604
Phone:
Not Found
Reported:
01/01/2004
Name:
REBHUN, CORRINE
Address:
3207 Laurel Canyon Blvd, Studio City CA 91604
Phone:
(310) 392-4942
Reported:
10/20/2006
Name:
BLACK, THOMAS
Address:
3211 Laurel Canyon Blvd, Studio City CA 91604
Phone:
Not Found
Reported:
10/20/2006
Current and Previous Occupants for 3223 Laurel Canyon Blvd, Studio City CA 91604
Name:
ABBAS, MARIA M
Address:
3223 Laurel Canyon Blvd, Studio City CA 91604
Phone:
(818) 415-3058
Reported:
10/20/2006
Name:
ABBAS, AMMAR M
Address:
3223 Laurel Canyon Blvd, Studio City CA 91604
Phone:
382-7981
Reported:
10/15/2005
Name:
HANSEN, WADE HARRY
Address:
3223 Laurel Canyon Blvd, Studio City CA 91604
Phone:
(805) 566-1860
Reported:
01/01/2004
Name:
RAMSEY, DONALD ALLEN
Address:
3223 Laurel Canyon Blvd, Studio City CA 91604
Phone:
(805) 566-1860
Reported:
01/01/2004
Name:
ABBAS, MARIA M
Address:
3223 Laurel Canyon Blvd, Studio City CA 91604
Phone:
(213) 388-0335
Reported:
07/17/2001
Name:
ABBAS, ALIA M
Address:
3223 Laurel Canyon Blvd, Studio City CA 91604
Phone:
(213) 288-0299
Reported:
03/01/2001
Name:
MENDEZ, JESUS A
Address:
3223 Laurel Canyon Blvd, Studio City CA 91604
Phone:
Not Found
Reported:
01/01/2001
Name:
NAIM, JALEH HALOOSSIM
Address:
3223 Laurel Canyon Blvd, Studio City CA 91604
Phone:
789-8306
Reported:
01/01/1987
The following addresses were not searched further.
- 1309 N Martel Ave 308, Los Angeles CA 90046
- 3223 Laurel Canyon Blvd, North Hollywood CA 91604
Real Property Ownership by Name and State for SPIVAK, JACK DAVID
Primary Owner:
SPIVAK JACK
Site Address:
807 N GARDNER ST
LOS ANGELES CA 90046
Owner Address:
807NGARDNERST
LOS ANGELESCA 90046
APN:
5526003002
Assessed Value
$260,000.00
Not Found
The following databases were searched but no records were found.
akas
*** No Record Found ***
Bankruptcies, Tax Liens & Judgments
*** No Record Found ***
Marriage by Name and State (CA, CO, CT, FL, IA, IL, KY, ME, MN, NV, OH, TX, UT)
*** No Record Found ***
Divorce by Name and State (CO, FL, MN, NV, TX)
*** No Record Found ***
DEA Registrants by Name
*** No Record Found ***
FAA Aircraft by Name
*** No Record Found ***
FAA Airmen by Name
*** No Record Found ***
Coast Guard Merchant Vessels by Name
*** No Record Found ***
Internet Domains owned by SPIVAK, JACK DAVID
*** No Record Found ***
Death by Name and State
*** No Record Found ***
Criminal Profile
Criminal Profile
Subject Name:
SPIVAK, JACK DAVID
Date:
7/20/2007 7:27:23 PM
Not Found
The following criminal databases were searched but no records were found.
National Wants & Warrants (2,552,882 records searched)
*** No Record Found ***
Nationwide Sex Offenders (1,116,034 records searched)
*** No Record Found ***
Patriot Act Database (30,099 records searched)
*** No Record Found ***
Nationwide Criminal (93,317,034 records searched)
*** No Record Found ***
Criminal Courts Records (38,564,232 records searched)
*** No Record Found ***
Los Angeles Municipal Criminal (5,959,884 records searched)
*** No Record Found ***
22 Jun 08 Fair Credit Billing - FTC Facts for Consumers
Fair Credit Billing Act (taken from the FTC website)
Please also see ConsumerLaw.org
Have you ever been billed for merchandise you returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act (FCBA).
The law applies to “open end” credit accounts, such as credit cards, and revolving charge accounts - such as department store accounts. It does not cover installment contracts - loans or extensions of credit you repay on a fixed schedule. Consumers often buy cars, furniture and major appliances on an installment basis, and repay personal loans in installments as well.
What types of disputes are covered?
The FCBA settlement procedures apply only to disputes about “billing errors.” For example:
* unauthorized charges. Federal law limits your responsibility for unauthorized charges to $50;
* charges that list the wrong date or amount;
* charges for goods and services you didn’t accept or weren’t delivered as agreed;
* math errors;
* failure to post payments and other credits, such as returns;
* failure to send bills to your current address - provided the creditor receives your change of address, in writing, at least 20 days before the billing period ends; and
* charges for which you ask for an explanation or written proof of purchase along with a claimed error or request for clarification.
To take advantage of the law’s consumer protections, you must:
* write to the creditor at the address given for “billing inquiries,” not the address for sending your payments, and include your name, address, account number and a description of the billing error.
* send your letter so that it reaches the creditor within 60 days after the first bill containing the error was mailed to you.
Send your letter by certified mail, return receipt requested, so you have proof of what the creditor received. Include copies (not originals) of sales slips or other documents that support your position. Keep a copy of your dispute letter.
The creditor must acknowledge your complaint in writing within 30 days after receiving it, unless the problem has been resolved. The creditor must resolve the dispute within two billing cycles (but not more than 90 days) after receiving your letter.
Date
Your Name
Your Address
Your City, State, Zip Code
Your Account NumberName of Creditor
Billing Inquiries
Address
City, State, Zip CodeDear Sir or Madam:
I am writing to dispute a billing error in the amount of $______on my account. The amount is inaccurate because (describe the problem). I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement.
Enclosed are copies of (use this sentence to describe any enclosed information, such as sales slips, payment records) supporting my position. Please investigate this matter and correct the billing error as soon as possible.
Sincerely,
Your name
Enclosures: (List what you are enclosing.)
What happens while my bill is in dispute?
You may withhold payment on the disputed amount (and related charges), during the investigation. You must pay any part of the bill not in question, including finance charges on the undisputed amount.
The creditor may not take any legal or other action to collect the disputed amount and related charges (including finance charges) during the investigation. While your account cannot be closed or restricted, the disputed amount may be applied against your credit limit.
Will my credit rating be affected?
The creditor may not threaten your credit rating or report you as delinquent while your bill is in dispute. However, the creditor may report that you are challenging your bill. In addition, the Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants who exercise their rights, in good faith, under the FCBA. Simply put, you cannot be denied credit simply because you’ve disputed a bill.
What if…
…the bill is incorrect?
If your bill contains an error, the creditor must explain to you - in writing - the corrections that will be made to your account. In addition to crediting your account, the creditor must remove all finance charges, late fees or other charges related to the error.
If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money.
…the bill is correct?
If the creditor’s investigation determines the bill is correct, you must be told promptly and in writing how much you owe and why. You may ask for copies of relevant documents. At this point, you’ll owe the disputed amount, plus any finance charges that accumulated while the amount was in dispute. You also may have to pay the minimum amount you missed paying because of the dispute.
If you disagree with the results of the investigation, you may write to the creditor, but you must act within 10 days after receiving the explanation, and you may indicate that you refuse to pay the disputed amount. At this point, the creditor may begin collection procedures. However, if the creditor reports you to a credit bureau as delinquent, the report also must state that you don’t think you owe the money. The creditor must tell you who gets these reports.
…the creditor fails to follow the procedure?
Any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to $50, even if the bill turns out to be correct. For example, if a creditor acknowledges your complaint in 45 days - 15 days too late - or takes more than two billing cycles to resolve a dispute, the penalty applies. The penalty also applies if a creditor threatens to report - or improperly reports - your failure to pay to anyone during the dispute period.
An important caveat
Disputes about the quality of goods and services are not “billing errors,” so the dispute procedure does not apply. However, if you buy unsatisfactory goods or services with a credit or charge card, you can take the same legal actions against the card issuer as you can take under state law against the seller.
To take advantage of this protection regarding the quality of goods or services, you must:
* have made the purchase (it must be for more than $50) in your home state or within 100 miles of your current billing address;
* make a good faith effort to resolve the dispute with the seller first.
The dollar and distance limitations don’t apply if the seller also is the card issuer - or if a special business relationship exists between the seller and the card issuer.
Other billing rights
Businesses that offer “open end” credit also must:
* give you a written notice when you open a new account - and at certain other times - that describes your right to dispute billing errors;
* provide a statement for each billing period in which you owe - or they owe you - more than one dollar;
* send your bill at least 14 days before the payment is due - if you have a period within which to pay the bill without incurring additional charges;
* credit all payments to your account on the date they’re received, unless no extra charges would result if they failed to do so. Creditors are permitted to set some reasonable rules for making payments, say setting a reasonable deadline for payment to be received to be credited on the same date; and
* promptly credit or refund overpayments and other amounts owed to your account. This applies to instances where your account is owed more than one dollar. Your account must be credited promptly with the amount owed. If you prefer a refund, it must be sent within seven business days after the creditor receives your written request. The creditor must also make a good faith effort to refund a credit balance that has remained on your account for more than six months.
Suing the creditor
You can sue a creditor who violates the FCBA. If you win, you may be awarded damages, plus twice the amount of any finance charge - as long as it’s between $100 and $1,000. The court also may order the creditor to pay your attorney’s fees and costs.
If possible, hire a lawyer who is willing to accept the amount awarded to you by the court as the entire fee for representing you. Some lawyers may not take your case unless you agree to pay their fee - win or lose - or add to the court-awarded amount if they think it’s too low.
Reporting FCBA violations
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
14 Jun 08 JP Morgan Chase searching for “Gisol Class Action”
Looking at my webstats I came across the following visits from JP Morgan Chase after they searched for “Gisol Class Action”. The time they took at each page suggested they were actually reading the posts, not just quickly scanning. It may be of use to you guys who have problems with your Chase VISA disputes and chargebacks.
13 Jun 08 LA BBB change Gisol’s rating from F to D then back to F
I noticed the LA BBB suddenly upgraded Gisol’s rating from F to D, so I sent this email to them:
Dear Sir or Madam,
I am writing in response to your recent upgrading of Global Internet Solutions’ (Gisol, Inc) Company Rating from F to D. Also the number of complaints has reduced dramatically. I would like to enquire as to why this has happened?
I believe that Gisol has lately been replying to complaints, sometimes months after you closed the case. I myself have received a response from them which is full of lies. In my response, where I was given only 7 days to respond, I could not provide any supporting evidence.
If anything, you should be downgrading their rating. They have been stepping up their fraudulent activities lately, actually forging signatures. I can prove this on request. Just because they are replying to their hundreds of complaints, it doesn’t mean that they are doing a better job. People should be warned about this scam, not re-assured! In fact, these crooks should be sent to jail.
This is not simply my opinion. There are literally hundreds of testimonies on the internet, and even websites devoted to bringing this fraudulent company down. Please do some research for yourselves. Just typing in Gisol fraud into a search engine will bring you hundreds of results.
I realize that you cannot actually “do” anything other than mediate, but if you are siding with a company like Gisol that is knowingly and illegally stealing money from their customers on a daily basis, then confidence in your service is going to be severely damaged, and there will be little if any point to your existence.
I look forward to your prompt reply.
Yours sincerely,
xxxxx
Their reply followed a few days later, which also coincided with Gisol’s rating going down to F again. I hope I had some influence in this. Their reply:
Mr. xxxxx,
Thank you for your inquiry regarding the Global Internet Solutions rating. We take complaint allegations and the responses of those complaints at face value. If either party is misrepresenting the facts we have not specific test to verify it either way. As a matter of course, it is important that we do not engage in determining which complaints are meritorious and which responses have veracity. Each of these actions brings forth room for manipulation so we don’t engage in that practice. What we do is we evaluate how serious we believe the allegations are and how responsive we believe the company is to those allegations. Not responding, not addressing, and not fulfilling responses are serious issues and result in lower ratings and if we see a pattern of conduct we report it.
Thanks for your contributions to the reliability rating of this company.
xxxxx xxxxxx | Receptionist II
Tel: 909-825-7280
Fax: 909-825-6246
Email: info[at]labbb[dot]org | Start With Trust
Better Business Bureau of the Southland, Inc.
P.O. Box 970
Colton, CA 92324
I haven’t been entirely satisfied with their response, so I have sent this back:
Dear xxxxx,
Thank you for your response.
I understand your position, but if possible I would like you to clarify a few points:
Why have you allowed Gisol to respond months after the case has been closed in many, many cases?
How do you evaluate how serious the allegations are? Gisol’s fraud includes knowingly stealing money from their customers, lying to banks/credit card issuers/Attorney Generals Offices etc., falsely advertising, mis-advertising, holding domain names hostage (possible blackmail), providing false evidence and forging signatures. These are very serious illegal acts and in many peoples’ opinion, very serious accusations.
Do you consider the complaints you hold on file about this company to be serious?
Do you not see a pattern if the company in question responds, even though there are hundreds of complaints alleging the same thing?
Who would you report the company to if you actually see a pattern?
Many thanks for your time.
Yours faithfully,
xxxxx
I’ll update you when/if they reply again.
12 Jun 08 I can help you WIN your case against Gisol.
This is not a club that I was looking forward to being apart. In any case my story is the same.
Purchased the $9.00 program, lied to on the phone for a $3.00 program and got a bill for $1,798.20.
Capital One is my credit card and I must say I am disappointed in their lack of concern. I have approximately 35 years dealing with the law in a corporate setting. I have had to in three occasions represent the companies out of state in court playing lawyer. I won all three cases.
There are quite a few of you on this site that if taken to small claims court you would win hands down, Gisol simply does not have a case and anything he could supply even if it were true would not stand up.
I got my chargeback from Capital One and now waiting for the gisol fraud attack. Please understand everyone. The credit card companies are not courts and they are working for the businesses. What happens with the credit card companies will not hold up in court. In court you have to prove what you say, you can’t just say it and a person from the credit card company decides if they want to believe it or not.
Not one of you are done. Everyone of you can place charges against your credit card company and gisol in small claims court. Credit card companies work off of profit and loss statements. If they can get rid of you just by saying your chargeback failed they will. Don’t fear them, when a charge is placed in small claims court they can’t send in a lawyer, the person that represents them can’t be a lawyer, they must be just like you. If they have to go to small claims court, for every case they will change their way of thinking. Its just not profitable.
Those of you that have ordered and cancelled right away, should contact Mike and get my e-mail address. That is what happened to me and I will give you the answers you need to make it go away for you. The others I will have to look at case by case.
I regret that I can’t respond to everyone immediately, I have charges against gisol and I don’t want them advised of the approach. Proving my case is proving yours, so be patient.
Frank
Email Frank at gisolhelp[at]googlemail[dot]com or use the form below:
08 Jun 08 Gisol doesn’t host their own website. They resell Multacom hosting.
As I mentioned in the last post, Gisol declares itself the “World’s Largest Hosting Company”. As you can see from the following screen grab from a Reverse DNS of gisol.com, it is infact hosted by multacom.com, as are many if not all of Gisol’s hosted websites. Previous to this, they used The Planet, and Rackspace.
Very strange for the self-proclaimed World’s largest hosting company to not have their own servers?
03 Jun 08 Pictures of the “World’s Largest Hosting Company”?
As the self-proclaimed “World’s Largest Hosting Company”, Gisol should have offices and premises to suit. The following pictures of their addresses don’t seem to suggest their statement is true:
807 N Gardener St. - A Residential House.
7336 Santa Monica Blvd. - A Mail Box Center
Mail Boxes PMB’s Website
02 Jun 08 LA County Sheriffs Contact Details - Please Report Gisol
The following are the contact details for the officer dealing with Gisol complaints & forgeries. Please contact him directly, informing him of your situation. He may ask you to file a report with your local police department and forward it to him.
Gary Kaplan Tel: (++1) 310 855-8850
Fax: (++1) 323 415-4281
LA County Sheriffs
West Hollywood Station
Attention Gary Kaplan
780 N San Vicente Blvd
West Hollywood CA, 90069
Please Report Gisol!
He has looked at the site and knows about the situation:
28 May 08 Has anyone used the Intelius People Search?
Has anyone used the Intelius People Search to find out details on Jack David Spivak or Brian A Spivak? If so, would you like to share your results?
Because it costs money, I didn’t want to pay for the info if anyone else had. Also, I don’t know anything about Intelius and don’t know if it’s a scam or not!
Apparently, it has the following information:
Background Report for Jack Spivak, 60
LOCATIONS FOR JACK SPIVAK:
5 Addresses in LOS ANGELES, CA
1 Address in IRVINE, CA
1 Address in STUDIO CITY, CARELATIVES OF JACK SPIVAK:
Ruvin Spivak
Menella Spivak
Yakov Spivak
Stan Spivak
+ 5 More Relatives
Background Report for Brian Spivak, 25
LOCATIONS FOR BRIAN SPIVAK:
1 Address in IRVINE, CA
1 Address in LOS ANGELES, CARELATIVES OF BRIAN SPIVAK:
Yakov Spivak
Zoya Spivak
Jack Spivak
John Spivak
Do you think it would be a good idea or not?
28 May 08 Discover Financial Services been looking
I’ve been looking through Report-Gisol.com visitor stats and came across the following:
Discover Card are obviously doing some research into Gisol at last! I know they haven’t been very helpful in the past during chargebacks and disputes. It might be worth contacting them again if you failed before.
24 May 08 CLASS ACTION LAWSUIT against Gisol. Please send me your details.
One of our contributors (Brenda) is currently approaching recommended lawyers in the LA area for a possible Class Action Lawsuit against Global Internet Solutions. To help convince the attorneys that they have a case, the more names and details we have at the initial meetings, the better.
Using the contact form, please send me as many of the following details you are comfortable with (We realise giving out personal information to people you don’t know can be dangerous. As long as we have a some way for the lawyers to contact you in the future.):
- Name
- Address (not essential)
- Tel Number (not essential)
- Amount charged by Gisol
- Date of charge
- If you got your money back and how
- Small history of problems
This is what we’ve been waiting for…. Lets do it!
Brenda’s also looking for a contact in the LA area as she is in New York. She has friends and family in LA willing to help, but it would be easier if one of us was there too. If you want to help, let me know. BTW on the contact form, there’s a tricky mathematical question to answer to prove you’re human. If you can’t work it out the answer’s 20!
