The same thing happened to me and I'm not an idiot, I thought!! Last friday I got the money orders, put them in my account, and waited for them to clear. Then I got the money out in cash, and did what they said. Kept a few hundred for me, and used Western Union to send this person "Dr. Ryan David" over $2,000 in another country. Then on Monday, my bank account said I had a negative balance of over $2,000.
I talked to my bank on the phone because I only have a few hundred $ in my acct and was waiting for a check to clear. But the check cleared now, and I have like 22 dollars in the acct because they took the hold off, for now. But they were just being nice since I've never even been overdrawn before. But any day now the $2,500 will be taken out and I( will have a neg $2,478 balance. I have NO WAY to make up this. And don't know what to do??????
They said if the money orders come back fake, then the $2,500 will be deducted from my acct as soon as it's confirmed. It's been exactly a week, and they haven't took the money out yet, but I'm sure it's coming any day now.
I looked at what a real postal money order should look like, and I know NOW that they were fake. I'm in between jobs and have no money. I even start my new job this monday 6/23.
Now I'm scared the police are gonna come arrest me. I had no idea and neither did the bank for 3 or 4 days. They even let the money clear! I thought if money cleared in your acct, then it was real, and mine, that's why you have to wait 4 it to clear? But now that I've done a little research, I see that it's not the case.
I even have the guys phone #, it's an over seas #, and it's still working. I called and bitched him out and the next a.m. at 6 o'clock, he sent me 5 more postal money orders. These had Benjamin Franklins face as the water mark, but only once, and it looks more like Aunt Jemima then ben. franklin!
So I called "Dr. David" or who ever, again, and now no reply via mail or e-mail since he sent out the 5 new, but better fakes.
What do I do? And I know in a matter of a few days,they will take out $2,500 from my acct. that has $22 in it. I can't barely pay my bills, how am I going to make up that much money? I don't even have a savings account. I'm BROKE!!!
I live in Florida. In the Tampa Bay area. If anyone knows what I can do, PLEASE HELP ME!! I had no idea. I even still have the $250 he said I can keep (10%). I didn't spend it even though I needed it. I was about to pay bills with it the day I realized I was duped.
Isn't it partly the bank's responsibility because they let the money clear? They said it's all my fault and will make me liable 4 all the $. Even though they let me take it out in cash, and said it had cleared and was AVAILABLE.
I asked them what to do so there would be NO PROBLEMS when I went to cash them last Friday? And that's what they said to do- wait till it clears, and you can do what ever you want with it. "IT JUST HAS TO CLEAR FIRST!"
I'm scared and frustrated and start a new job on Monday.
Thought I was starting at $22 to my name.
Now I'm so stressed out I can't eat and sleep poorly for 4 days now, thinking the police are going to come arrest me. Any suggestions or advice, or help for me.
I'm a 29 year old female who is trying to start over her life, I've NEVER been in trouble with the law. Seems like I'm always the victim. I'm not stupid, but I sure do feel so now. HELP!!!