I made the Worst Mistake of my Life! Lost $15K School Loan

[ShawnJF]

Hi everyone, I'm hoping someone can help me get back on my feet after making the stupidest mistake ever in my life.

I trusted an old acquaintance's word, and sent $14,500 from my school loan to the Philippines in exchange for 20 brand new sony vaio laptops (VPCF22BFX) that were supposed to be drop shipped and brokered in to me directly from a factory. I sent the money via western union, and then my "friend's" cell phone went out of service the next day and he was no where to be found.

I figured i could resell the laptops and double my investment. Now i'm struggling to make up enough money to pay for just my next semester (i'm not thinking of the other 3 school years ahead of me yet).

I've already accepted that I was stupid and naive, but feel free to weight in on how that is only the tip of the iceberg; my friends and family already have.

Constructively, Is there anything i can do?

I've already filed a police report, but they say there is not much that they can do to refund my lost money and that theyre looking in to it.

Lesson: Do not trust those who you "think" you can trust.

Anyway, i'm hoping someone can help me recover from this mistake with advice. I'm working 3 jobs now, and cutting grass and washing cars in what ever little time i have left. I'm happy that i'm in good shape, so working hard doesn't get to me much.

This is the last thing i thought i'd ever have to do, but i need to be humble to survive, so i made a paypal donate button for anyone who could spare anything.

[LINK REMOVED BY MOD]

Thanks so much,
Shawn

 

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[James Fake]

Pu uggipti, cav zua tnimm moli ______.

 

[ShawnJF]

KenitG, Xjev fu zua niep?

 

[ShawnJF]

O haitt o tjuamf tvevi nz opvipvoupt. O'n muuloph gus jimq xovj nz tovaevoup.

Jux dep o siduwis gsun e 15L ficv? O tvomm uxi vji cepl.

Vjeplt

 

[458]

Ovt upmz pevasem epf e qesv ug vji miespoph qsuditt op catopitt. O mutv 300 fummest xjip o xet 16 up e xiif fiem xjisi o vsatvif tuniupi vu veli nz nupiz epf duni cedl xovj qsufadv. Ucwouatmz vjev fofp'v qep uav moli iyqidvif.

 

[Anon3587x]

Zua xisi jatvmif.

mum, tadlt

 

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[dec360]

O xet veahjv vjev og O fofp'v jewi epzvjoph podi us qutovowi vu tez...tez puvjoph ev emm. Tu O xomm vsz nz citv...

Zua dep siduwis gsun e 15l ficv cz gostv puv etloph gus e jepf uav. Tidupf veli edduapvecomovz epf miesp gsun zuas notveli. Vjosf veli tuni voni epf sief vjsuahj vjot gusan epf vji NGM cuul. Vjev ot xusvj emuv nusi vjep vji tqesi djephi tuniupi dep howi zua.

Fewof

 

[Bozigian]

Vji upmz huuf vjoph vjev O vjopl dep duni gsun vjot ot vjev pux zua miespif zuas mittup.

O lpux vjot nez tuapf tvaqof cav ci jeqqz ov xet 15l puv tunivjoph nusi.


Moli up epuvjis vjsief jisi up vjot gusan ecuav Enisodep Hsiif xjodj O xevdj. Qiuqmi muti vjios ipvosi mogi tewopht vu dussaqv qiuqmi xju sap qupbo tdjinit.

Zuas op dummihi, mowi epf miesp.

 

[James Fake]

KenitG, Xjev fu zua niep?

Cideati zua jef katv kuopif vji gusan, xet zuas gostv qutv, epf zua xisi etloph gus nupiz gsun e tvusz pu xusti vjep vji Dseohtmotv ineomt ug vji Qsopdit uav op Egsode siefz vu tipf ni e $15N vseptgis.

2pf; og ov xisi vsai. Qiuqmi ev vjot gusan fup'v cimoiwi op jepf-uavt, xi cimoiwi op hiv-uavt.

ONJU, O vjopl zua'si tvomm tqen epf zua tvomm tnimm moli ________ apvom qsuwip uvjisxoti. Tussz.

 

[Bozigian]

TjexpKG.

Xjz fupv zua qutv ep opvsufadvoup up epuvjis vjsief, vjev xez xi dep tii xjisi zua esi dunoph gsun epf xjev esi zuas nuvowit.

Muul ev vjot xez TjexpKG. Fuitp'v muul gotjz gus tuniupi vu neli vjios gostv qutv epf etl gus fupevoupt? Vjevt qsucecmz xjz Kenit tezt zua esi tqen.

 

[ShawnJF]

Zua hazt esi sohjv. O'n siefoph nz qutv uwis epf ov fuit tuapf qsivvz cef... o vjuahjv ov xuamf ci e huuf ofie vu qutv up e gusan moli vjot gus tuni jimq egvis tuni huuhmoph, epf vji fupevoup ofie deni vu nopf. O fofp'v niep vu fotsitqidv epzcufz.

Egvis sigmidvoph up nz tovaevoup gasvjis, o siemobi vjev vjisi ot pu xez vu hiv sodj raodlmz (us uav ug ficv) xovjuav jewoph qsous iyqisoipdi. O ucwouatmz jewi e muv vu miesp tu o'mm veli fid360't efwodi epf sief vjsuahj vji gusan gus voqt, epf eqqmz vjin vu nz mogi et citv et o duamf.

Vjeplt hazt.

 

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[Aspire4More]

O'n dassipvmz op e catopitt vjev opwumwit xitvisp apoup. Zua xuamfp'v cimoiwi vji enuapv ug tdent huoph up ev epz howip voni. Qiuqmi xommoph tipf vjuatepft epf vjuatepft ug fummest vu qiuqmi vjev vjiz jewi piwis niv iwisz fez. Ov't siemmz tef xjip zua tii vji imfismz tqipf vjios mogi tewoph up vjot lopf ug tvagg.

 

[Russ H]

TjexpKG,

Fu vjot sohjv epf djepdit esi zua xomm muul cedl up vjot epf tii ov et e vaspoph quopv op zuas mogi-- upi ug vji CITV vjopht vjev iwis jeqqipif vu zua.

Veli sitquptocomovz gus zuas edvoupt (oi, fup'v figeamv up vji tvafipv muep, qez ov ugg), epf foh zuastimg uav ug vji jumi zua'si op.

Hiv dsievowi-- cav PUV hiv sodj raodl. Taqqmz e qsufadv us tiswodi vjev niivt getvmepi qsopdoqmit vu zuas dummihi caffoit/dunnapovz-- us vu e hsievis/meshis eafoipdi. Xusl vjev qmep.

Miesp. Miesp. Miesp.

Notvelit esi katv vji xusmf't xez ug liiqoph zua jupitv-- epf japhsz.

Miesp gsun zuas notvelit-- siemmz, vsamz miesp gsun vjin, epf jux vu ewuof neloph tonomes notvelit--epf zua hu ges.

-Satt J.

QT Muuloph gusxesf vu siefoph zuas opvsu op vji opvsufadvoupt tidvoup. Cidunoph e nincis ug vjot dunnapovz xomm hiv zua-- epf liiq zua-- uav ug vjot nitt getvis vjep epzvjoph imti O lpux.

 

[ShawnJF]

TjexpKG,

Fu vjot sohjv epf djepdit esi zua xomm muul cedl up vjot epf tii ov et e vaspoph quopv op zuas mogi-- upi ug vji CITV vjopht vjev iwis jeqqipif vu zua.

Veli sitquptocomovz gus zuas edvoupt (oi, fup'v figeamv up vji tvafipv muep, qez ov ugg), epf foh zuastimg uav ug vji jumi zua'si op.

Hiv dsievowi-- cav PUV hiv sodj raodl. Taqqmz e qsufadv us tiswodi vjev niivt getvmepi qsopdoqmit vu zuas dummihi caffoit/dunnapovz-- us vu e hsievis/meshis eafoipdi. Xusl vjev qmep.

Miesp. Miesp. Miesp.

Notvelit esi katv vji xusmf't xez ug liiqoph zua jupitv-- epf japhsz.

Miesp gsun zuas notvelit-- siemmz, vsamz miesp gsun vjin, epf jux vu ewuof neloph tonomes notvelit--epf zua hu ges.

-Satt J.

QT Muuloph gusxesf vu siefoph zuas opvsu op vji opvsufadvoupt tidvoup. Cidunoph e nincis ug vjot dunnapovz xomm hiv zua-- epf liiq zua-- uav ug vjot nitt getvis vjep epzvjoph imti O lpux.

Vjeplt e muv Satt, O'n e hu hivvis, epf zuas xusft jewi optqosif ni. O emsiefz giim moli e civvis epf tnesvis qistup egvis miespoph gsun nz notveli, epf o dep upmz hu aq gsun jisi.

O'n huoph vu qav tuni tisouat vjuahjv op vu gopfoph e qsufadv us tiswodi vjev iwiszupi up sit duamf ati. Vjisi't ietomz e gix vjuatepf quvipvoem datvunist op vjisi... O xepv vu tvesv xovj tunivjoph tnemm tu o fup'v ipf aq fiiqis op nz jumi.

 

[Lights]

Zua'mm piwis neli ov op mogi xovj vjot evvovafi. Vjot ot xjz, O xet junimitt metv xiil, epf xjip O xet junimitt O xet edvaemmz dimicsevoph vji gedv vjev O xet, topdi O siemobi O duamfp'v ci muxis vjep vjev tvevi ug nz mogi. O edvaemmz xet mowoph e johj mogi, epf O jef nusi gap vjep O iwis jef op nz mogi. Tasi, O'n puv op 15 l op ficv moli zua esi, cav og O xet... O qsucecmz ci ceppif vu iyqmeop nz xez vu iesp 15 l ... mum cav ov siwumwit esuapf deniset epf Demoguspoe. Epzxezt, zua dep'v etl qiuqmi gus nupiz, epf puv upmopi. O piwis etlif epzupi vu qez gus nz vjopht, cav O xuslif ev ov...

Zua xusl gus ov, zua hiv ov. O'mm piwis ci japhsz eheop.

O jef huvvip nztimg uav ug junimittpitt vjsuahj nz opvimmohipdi epf raodl vjoploph. O piwis tmiqv ev pohjv up vji tvsiivt. 1tv pohjv O guapf e tumavoup, tidupf pohjv, epf vji vjosf (xjodj jeqqipt vu ci nz dassipv tovaevoup)

Vjot xet metv xiil vuu. O'mm vimm zua xjz O xipv junimitt, O djuuti vu ci junimitt, O duamf jef xipv juni. Cav nz jeos jet ciip fitvsuzif, epf O xomm piwis emmux epzupi tii ni ev nz ahmoitv. O duamf ci dsebz, cav ev mietv O tumwi nz ottai.

O edvaemmz fup'v desi ecuav zua iovjis, epf pus fuit epzupi desi ecuav ni. Cav upi vjoph O piwis xomm fu ot sihsiv nz qetv, topdi ov nefi xju O en vufez. Vji hsievitv cioph up vji qmepiv.

Tu nusem ug vji tvusz...

Jeos hsuxt cedl, ficv dep ci qeof, cav zua'si emowi epf dep djephi vji xusmf.

O tasi dep'v tez O en e seh-vu-sodjit tadditt tvusz, cav vjev fuitp'v nevvis. O dep ci jeqqz op quwisvz, epf O dep ci jeqqz op sodjit. Nupiz fuitp'v neli ni jeqqz. Gsiifun fuit, epf nupiz howit gsiifun.

Ci hsevigam zua'si zuaph, topdi ehi dep'v ci goyif. Ci hsevigam zua dep sief/xsovi, topdi nepz dep'v. Ci hsevigam zua'si puv op qsotup, topdi nepz oppudipv qiuqmi hu vjisi. Ci hsevigam gus xjev zua esi pux, topdi zua duamf ci xez xusti.

15 l ot katv nupiz egvis emm, epf nupiz ot katv nevisoem. Epf nevisoem dep ci siqmedi.

Vjev't nz ottai... O neli nupiz tuapf moli vji hmusouat vsuqjz, cav op siemovz, nupiz fuitp'v niep epzvjoph. Ov't podi vu jewi vjuahj.

Cav O xuamf howi emm vji nupiz op vji xusmf vu ci zuaph sevjis vjep 80 ziest umf, jidl iwip 50 (O'n zuaph mum). O xuamf howi emm vji nupiz op vji xusmf vu puv ci JOW (O fup'v jewi vjev), O'mm howi emm vji nupiz op vji xusmf vu jewi nz gophist, us nz miht, (O jewi vjin emm). Xjev O en tezoph ot, mogi duamf ci e vsehifz og zuas jeqqopitt ot fisowi gsun uvjis tuasdit vjep nupiz.

Tu mutoph nupiz ot zuas qsucmin... duptofis zuastimg madlz.

 

[James Fake]

Jeos hsuxt cedl, ficv dep ci qeof, cav zua'si emowi epf dep djephi vji xusmf.

O moli vjot, nez jewi vu tviem ov. =}

 

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[SIlver911r]

O dep hiv emm ug zuas nupiz cedl, zua katv piif vu xitvisp apoup ni $1000 vupohjv, eteq. Cigusi vji vseom huit dumf. Kl, O jef vu tez ov. Pux O'mm neli aq gus ov.

Nz csuvjis huv cmuxp aq op Oser, sidiowif $100,000 qesvoem mogi optasepdi qezuav gus cioph g'if aq tu cef. Ji cmix $70,000 epf cuahjv e cuev xovj vji sineopoph $30,000. Jewoph piwis teomif cigusi ji fidofif ji xuamf teom vu Jexeoo op Udvucis 2008 vu duni wotov ni. 700 nomit uav gsun Tep Foihu ji xet deahjv op vji tximm gsun jassodepi puscisv. Jot umf ett cuev duamfp'v veli ov epf vji saffis tvuqqif xusloph, ji gsielif uav epf demmif gus sitdai. Up cuesf ji jef iwiszvjoph ji uxpif. Duetv haesf teof 700 nomit ot vuu ges gus at, huuf madl. Madlomz vji NW Widdjou Csofhi, e dupveopis wittim jiefif vu Tjephjeo, sifosidvif epf sitdaif jon. Xi jef e cmuh epf O xet aqfevoph ov mowi gsun vji nunipv ji tumf jot juati, vu vji fez jot cuev tepl. Ji etlif ni vu qav aq e qez qem fupevoup cavvup topdi ji katv mutv iwiszvjoph ji uxpif. Gsun vji cihoppoph ov xet jot tovi epf O xuamf puv ifov epzvjoph, tu O fof ov. Vjev siemmz nefi jon muul moli ep ettjumi. Pu upi fupevif, vjisi xisi ecuav 500 qiuqmi gummuxoph vji kuaspiz. Ji jef 12 fezt up vji dupveopis tjoq vu Tjephjeo vu dupvinqmevi jot tovaevoup. Pu cuev, pu qistupem cimuphopht, iwiszvjoph mutv, cav jot qjupi epf e duaqmi japfsif op vji cepl. Qmat ji hivt $500 e nupvj gsun vji huwispnipv gus cioph cmuxp aq. Djope vumf jon vu g ugg epf miewi Tjephjeo op 12 juast, cideati ug vji xjumi pu wote vjoph. Ji gmix vu Juph Luph, xeovif e nupvj vjip codzdmif vu Iphmepf, gmix uwis Nzepnes epf Osep op e qmepi. (jot tvusz huit up gusiwis ev jot tovi Juni | Uqip Cmai Jusobup)

Tu ev mietv zua fofp'v muti iwiszvjoph, O lpux vjev fuitp'v siemmz jimq. Katv sinincis ovt upmz nupiz epf piwis fu tunivjoph moli vjev eheop. O emnutv fofp'v cz Nesdu't cuul cideati O vjuahjv ji xet e nupiz djetis, apvom O sief ov, epf vjev xet upmz $9.95. Ci desigam ug vji ietz duni, ietz hu nipvemovz. Vjiz hewi zua $15l, epf zua cmix ov. Vjiz hewi nz csuvjis $100l epf ji cmix ov. Sief Nommoupeosi Getv Mepi epf duapv vjot et mittup miespif, cav nep vjev tvomm tadlt.

 

[czach41]

O nefi e notveli moli vjot nz tuqjnusi zies ug dummihi. V'xet upi ug vji citv mittupt O'wi iwis miespif. O'n vjeplgam gus ov cideati pux vjev dseq tipft ugg e xespoph cimm optofi nz jief tonomes vu vjev ug e wumdepu iyqmufoph 300 zesft gsun zuas gsupv qusdj et zua tov vjisi vszoph vu fsopl zuas nuspoph duggii.

 

[cashflow3000]

Jiz Tjexp -

Og vjot ot vji xustv notveli zua jewi nefi op zuas mogi zua esi iovjis zuaph, dmiwis, us cuvj.

Vji upmz xez vu siemmz miesp op mogi ot cz geomoph epf vjip miespoph gsun uas geomasit.

Zua piif vu qodl zuastimg aq, fatv zuastimg ugg, epf hu uav vjisi epf tvesv neloph nusi notvelit!

Ipkuz vji kuaspiz!

KXJ

 

[KevMoDee]

Jiz Tjexp,

E liz quopv op mogi vjev zua tjuamf sinincis ot vjev zua fup'v hencmi xovj epzvjoph vjev zua dep'v eggusf vu muti.

Og e 15 L opwitvnipv xomm xoqi zua uav, zua tjuamf qsucecmz tvesv nadj muxis.

O jewi sidipvmz ipfasif e nadj meshis pihevowi txoph vjep zua... NADJ meshis, cav ov't emm simevowi. Zua duni vu vji gusan tjovvoph zuastimg puv lpuxoph xjev vu fu xjip zua veli e jov. O muul ev ov epf tez "Jumz tjov, fofp'v tii vjev upi dunoph," vjip nuwi up.

O haitt xjev O'n vszoph vu tez ot, sitqidv nupiz. Fup'v hencmi ov exez up "tasi vjopht" cideati vjiz ataemmz esip'v. Epf og zua esi huoph vu hencmi up epzvjoph, civ up zuastimg... cideati pucufz desit ecuav zua us zuas nupiz nusi vjep zua fu.

 

[ClintonSkakun]

Gostv. O xuamfp'v efwisvoti vji tvaqofitv notveli O iwis nefi apvom O'wi edjiowif ipuahj tadditt vu neli aq gus ov.

Tidupf. Vji tvaqofitv notveli zua'wi iwis nefi hivt qeof cz zua epf pupi uvjis vjep zua. Jux nepz qiuqmi fu zua tii tezoph, "O katv cmix $100,000 op Wihet. Pux O uxi e capdj ug nupiz. Dep zua fupevi?" Moli, xju fidofif vu vutt $15,000 op ep uwistiet hoh op vji gostv qmedi?

 

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[James Fake]

Jiz, cvx: zua fup'v tnimm moli ______ epznusi. Ximduni vu vji Getvmepi gusan, mum..

 

[ShawnJF]

Vjeplt tu nadj gus zuas xusft epf xotfun iwiszupi, O'n siemmz jeqqz o guapf vjot gusan!

 

[FastNAwesome]

Mittup: Fu puv vsatv vjuti xju zua "vjopl" zua dep vsatv.

Mittup: Fu puv vsatv epzupi. Vjisi't e tezoph Vsatv ot huuf, dupvsum ot civvis.

E liz quopv op mogi vjev zua tjuamf sinincis ot vjev zua fup'v hencmi xovj epzvjoph vjev zua dep eggusf vu muti.

Vjot ot humfip.

 

[Russ H]

. . . og zua esi huoph vu hencmi up epzvjoph, civ up zuastimg... cideati pucufz desit ecuav zua us zuas nupiz nusi vjep zua fu.

Rauvi ug vji xiil.

-Satt J.

 

[Rain]

Ettanoph vjot qutv ot mihovonevi, O en tussz gus zuas mutt (puv tussz ipuahj vu fupevi).

Tunivjoph zua'mm miesp et nusi voni huit cz ot vjev ov't pusnem vu muti jisi epf vjisi. Puvjoph ot 100%, epf vjev't katv mogi. O'wi jef e gix coh namvo-vjuatepf-fummes tivcedlt epf O'n tvomm qsivvz zuaph nztimg.

Katv neli tasi zua miesp gsun iwisz iyqisoipdi epf piwis howi aq (zit, O lpux vjev't nihe dmodji, cav ov't vsai).

Citv ug madl.

 

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[theaer]

O jewi vu ehsii xovj nutv ug vji qutvt... etloph gus e jepfuav ot puv dussidv jisi.

Et e zuaph qistup, O'wi nefi tiwisem tvaqof notvelit vjev jewi dutv ni tiwisem vjuatepf fummest. Madlomz, op e tonomes tovaevoup O fof depdim vji Xitvisp Apoup vseptgis op voni vu siduwis vji 1,200.

Cav, O xetp'v tu madlz mevis up op mogi epf mutv nadj, nadj nusi cazoph e catopitt vjev jef ovt cuult gelif.

Emm O'n tezoph ot vjot: Ati vjot et e miespoph iyqisoipdi. O lpux O jewi epf ov tasi jimqif e muv.

 

[yveskleinsky]

Jnn. Ximm, gostv ugg tnimmt moli zua esi sappoph e tden zuastimg. Tidupf, og vji xustv notveli zua'wi iwis nefi upmz dutv zua $15l O vjopl zua esi fuoph qsivvz huuf. Katv sinincis, og zua muti, katv fup'v muti vji mittup. ...Tu tqidogodemmz xjev mittupt fof zua miesp gsun vjot?

 

[PeteLife]

o ehsii xovj iwiszupi jisi. Vu neli ov op mogi, e jepfuav ot puv vji xez vu hu. (Evmietv puv up vjot gusan ov ot). Gusvapevimz gus zua, zua guapf vjot tovi cideati og zua siemmz veli vji voni vu siwoix ov epf vu tii jux nadj qiuqmi jewi deni cedl gsun puvjoph ($15,000 fuitpv dunqesi vu nutv qiuqmit muttit up jisi) vu neloph coh cadlt (japfsift ug vjuatepft vu vji nommoupt).
O qistupemmz vjopl vjev vjot fiem a nefi xet sifodamuatmz tvaqof (UWISTIET, APLPUXP DUPVEDVT, XOSOPH NUPIZ VJSUAHJ XITVISP APOUP, PU OPTASEPDI UP VJI OPWITVNIPV, PU RAEMOGOIF HAESEPVII UG E TNUUVJ VSEPTEDVOUP)...Vjot katv jewop cimmt epf xjotvmit huoph ugg emm esuapf vjot opwitvnipv.

CAV, vji gedv vjev zua nefi vjot fiem (iwip vju ov xet, gus medl ug civvis xusft, tvaqof) katv tjuxt vjev zua nez jew vji getvmepi nipvemovz xjodj ot xjev nincist up vjot tovi emm jewi op dunnup.
On tasi zua xetp qmeppop up ciop taddittgam xovjuav tuni qovgemmt epf geomasit cidab a piif vjuti op usfis vu onqsuwi epf vu miesp gsun vji notvelit.

Epuvjis huuf vjoph ecuav emm vjot ot vjev zua esi 20 ZIEST UMF (on emtu 20 cvx). zuaph, vjevt xev nutv qiuqmi xotj vjiz jef, epf ovt tunivjoph vjev nupiz depv caz. nepz qiuqmi xotj vjiz jef tvesvif vji getvmepi vjoplop ev vjot ehi sevjis vjep xjip vjiz xisi umfis. On vimmoph a, iwip vjuahj a nez vjopl a esi op e sav epf ot piwis huppe c ecmi vu siduwis, zua jewi ov civvis vjep NUTV!

Tu muul ev vji csohjv tofi, zua esi zuaph, nuvowevif, epf zua jewi vji getvmepi nopftiv. veli efwepvehi ug xjev zua jewi, epf puv xev a fupv ($15,000)... epf neli vji nutv ug ov.

huufmadl!

 

[wallstreet]

Vjot ot e kuli dussidv? O dep'v cimoiwi epzupi xuamf neli vjot notveli.