Kooday refund update: I finally got it

This actually happened about a month ago. Out of nowhere, a message appeared in my e-mail box. It was from AlertPay and it was regarding Kooday. Here is what it said:

Your request for a refund has been granted and you may access your account to see the credit. The credit that was applied to your account is the 12.67% of difference between the payments sent to and received from the seller.The credit you received is the 12.67% of same amount you lost when sending money to that specific seller. Please consider yourself fortunate as not all members will be able to get reimbursed due to the nature of such programs.

Please note for future reference when submitting a dispute you are only to submit once ticket per seller/issue. Opening multiple tickets only results in delays and may reflect negatively on your claim.

So how much did I get back you might ask?

$17.91

That's a pretty small chunk of what I initially invested, but hey, there are people who lost thousands, so I can't really complain.

HYIP Refund: how I got (some of) my money back from a closed HYIP program.

Wow, this was unexpected.

I checked my e-mail box in the morning today and there was an e-mail from AlertPay (which is a payment processor much like PayPal). At first, I thought it was in relation to my refund request from Kooday. It turned out that it wasn't - it was actually concerning my refund request from UniteTrade which I filed a while ago and completely forgot about.

UniteTrade was a High Yield Investment Program (aka HYIP aka pyramid program aka scam) that I tried participating in just for the experience. It was a pretty popular HYIP program, but just like the rest of these programs, it was short-lived. When it closed down, I decided I'll try to get my money back, so I filed a dispute with AlertPay, which is the payment processor that I used to invest my $5 into UniteTrade. I wasn't really expecting anything to come out of it, so eventually I just forgot about the whole thing.

Well, today (months after I initially filed the dispute) I received an e-mail from AlertPay saying that my account was credited, or in other words, I got a refund. However, it was not a full refund. I only got back 13% of the amount that I initially invested. That's perfectly understandable - HIYPs always grab the money and run in the end, so to recover any money from them should be considered a triumph. There was a line in their e-mail that said exactly that:

"Please consider yourself fortunate as not all members will be able to get reimbursed due to the nature of such programs"

So big props to AlertPay for giving me my HYIP refund.

Stay away from HYIP programs, people. They're all schemes and scams. If you really want to earn money online, just use legit and trusted programs. You can check out my paid survey sites list and GPT sites list for some ideas.