Velox media under new management

rpqu · December 2025

@Saragoldfarb said:

@rpqu said:

@Saragoldfarb said:

@rpqu said:

@HotaruBlaze said:
Honestly at this point, I'm leaning towards just trying to dispute via paypal

Here's an example of AI assisted dispute request with facts

@rpqu said:
Sigh, a hypothetical reasoning, for educational purpose

Chargeback Dispute Request - Exit Scam / Services Not Provided

Date: [Current Date - December 27, 2025 or later]
Cardholder Name: [Your Friend's Full Name]
Card Number: [Last 4 digits only - XXXX]
Transaction Date: [Date of Payment - likely late November 2025]
Transaction Amount: [Amount in GBP/USD/EUR]
Merchant Name: [UK Sole Trader's Legal Name] T/A [Trading Name/Brand Name]

Reason for Dispute: Services Not Provided / Merchant Fraud - Exit Scam

I am formally requesting a chargeback for the above transaction due to the merchant's premeditated exit scam and abandonment of contractual obligations.

Summary of Fraudulent Activity

I purchased [specify: VPS/dedicated server/shared hosting] services from [Merchant Name], a UK sole trader, on [transaction date]. I made a one-time prepayment of [amount] for a [2 or 3]-year service contract that was to run from [start date] through [end date - 2027 or 2028].

The merchant has disappeared after executing a clear exit scam, taking prepaid funds from multiple customers while abandoning all service obligations.

Timeline of Exit Scam

June 2025: The merchant began aggressive pricing campaigns on [forum name], offering deals significantly cheaper than competitors to attract customers into long-term prepaid contracts.

November 2025 (Black Friday): The merchant intensified the scheme with extremely aggressive 2-3 year deals at prices well below market rates, designed to maximize prepaid revenue before disappearing. I purchased my service during this period.

December 20, 2025: The merchant posted on Reddit seeking someone to "take over" the business, a common exit scam tactic.

December 23, 2025: Public disclosure on [forum name] revealed the merchant had disappeared with both:
- Customer prepayments for multi-year contracts
- Business transfer funds from a prospective buyer (US citizen)

December 24-26, 2025: Services are only running because the defrauded US buyer paid infrastructure bills out of pocket. I have no contract with this third party and no guarantee of continued service.

Evidence of Premeditated Fraud

Suspicious Business Practices: The merchant operated for nearly 4 years without proper UK business registration disclosure (legal name "ABC" was not displayed with trading name as required by UK Companies Act). This violation was only discovered 23 days before the merchant disappeared, suggesting awareness of impending legal scrutiny.

Predatory Pricing Pattern: From June through November 2025, the merchant systematically offered below-market pricing specifically to lock customers into long-term prepaid contracts, maximizing the value of the exit scam.

Multi-Year Prepayment Strategy: The merchant pushed 2-3 year contracts heavily during Black Friday 2025, collecting maximum prepayments immediately before disappearing.

Triangle Scam: The merchant solicited a business buyer, collected transfer funds from that buyer on December 23, 2025, then disappeared with both transfer payments and customer prepayments.

Complete Abandonment: The merchant has not responded to any communications since December 23, 2025, and has made no attempt to fulfill service obligations or issue refunds.

Multiple Victims: Numerous customers on [forum name] have reported being defrauded, with contract ages ranging from 6 months to just weeks old. All involve multi-year prepayments.

Material Breach of Contract

I paid for: [2 or 3] years of hosting services ([start date] to [end date])

I received: Approximately [X weeks/days] of service before merchant abandonment

Services owed but not provided: [Calculate: nearly the entire contract period - e.g., "approximately 35 months of the 36-month contract remain unfulfilled"]

Contract value unfulfilled: Approximately [calculate percentage - e.g., "97% of the contract value"]

Current Service Status Does Not Fulfill My Contract

While services are temporarily operational, this does NOT satisfy my contract because:

No Contractual Relationship: I have no agreement with the US citizen currently maintaining the infrastructure. My contract was exclusively with the UK sole trader who has abandoned obligations.

No Service Guarantees: The US citizen is acting as a "good Samaritan" and may discontinue services at any time. He has specifically mentioned seeking to discontinue "unfair" contracts.

Breach of Original Terms: My contract specified terms, service levels, and support from the UK trader. None of these are being honored.

Temporary Charity ≠ Contracted Service: Service continuation is at the discretion of a third party who has no obligation to me and has explicitly stated the arrangement is unsustainable.

Supporting Documentation

I have attached the following evidence:

Payment Proof: Invoice/receipt showing [amount] paid on [date] for [2-3] year contract

Contract Terms: Original service agreement and terms accepted at purchase

Exit Scam Evidence:

Screenshot of Reddit post dated December 20, 2025 (merchant seeking business buyer)

Screenshots of [forum name] posts from December 23, 2025 (disclosure of merchant disappearance with funds)

Forum discussions showing multiple victims with similar circumstances

Attempted Contact: Evidence of unanswered emails/messages to merchant (dates: [list dates])

Timeline Documentation: Evidence of aggressive pricing campaigns June-November 2025

Business Registration Issue: Documentation of the merchant's failure to properly display legal business name (discovered 23 days before disappearance)

Requested Resolution

I request a full chargeback or pro-rata of [amount] under the following reason codes:

Visa: Reason Code 30 (Services Not Provided or Not as Described)

Mastercard: Reason Code 4853 (Goods or Services Not Provided)

Alternative: Fraud classification given the clear exit scam pattern

Justification Summary

The merchant:

Engaged in a premeditated exit scam by offering aggressive multi-year deals specifically to maximize prepayments before disappearing

Breached contract by abandoning service obligations after collecting [2-3] years of prepayment

Failed to provide approximately [X%] of contracted services

Committed fraud by taking funds with no intention of fulfilling long-term obligations

Is completely unreachable and has made no attempt at refund or service continuation

Defrauded multiple customers in an identical pattern, demonstrating systematic fraud

This is not a dispute over service quality or minor issues - this is outright theft through a calculated exit scam.

I did not receive the services I paid for, the merchant has disappeared with prepaid funds, and I have no contractual protection for the remaining [X months/years] of service I purchased.

Cardholder Signature: ___________________________

Date: ___________________________

Contact Information:
Email: [email]
Phone: [phone]
Address: [address]

Please don't... Cut the AI crap.

Read it first before saying anything

I did then I'm like, it's full of shit.

Providing false info in a chargeback... Never a good idea.

What false info? Does Eric has contractual obligation to provide Lewis customer service? Had He and Lewis made novation with the Lewis customer?

Saragoldfarb · December 2025

How do oeop> @rpqu said:

@Saragoldfarb said:

@rpqu said:

@Saragoldfarb said:

@rpqu said:

@HotaruBlaze said:
Honestly at this point, I'm leaning towards just trying to dispute via paypal

Here's an example of AI assisted dispute request with facts

@rpqu said:
Sigh, a hypothetical reasoning, for educational purpose

Chargeback Dispute Request - Exit Scam / Services Not Provided

Date: [Current Date - December 27, 2025 or later]
Cardholder Name: [Your Friend's Full Name]
Card Number: [Last 4 digits only - XXXX]
Transaction Date: [Date of Payment - likely late November 2025]
Transaction Amount: [Amount in GBP/USD/EUR]
Merchant Name: [UK Sole Trader's Legal Name] T/A [Trading Name/Brand Name]

Reason for Dispute: Services Not Provided / Merchant Fraud - Exit Scam

I am formally requesting a chargeback for the above transaction due to the merchant's premeditated exit scam and abandonment of contractual obligations.

Summary of Fraudulent Activity

I purchased [specify: VPS/dedicated server/shared hosting] services from [Merchant Name], a UK sole trader, on [transaction date]. I made a one-time prepayment of [amount] for a [2 or 3]-year service contract that was to run from [start date] through [end date - 2027 or 2028].

The merchant has disappeared after executing a clear exit scam, taking prepaid funds from multiple customers while abandoning all service obligations.

Timeline of Exit Scam

June 2025: The merchant began aggressive pricing campaigns on [forum name], offering deals significantly cheaper than competitors to attract customers into long-term prepaid contracts.

November 2025 (Black Friday): The merchant intensified the scheme with extremely aggressive 2-3 year deals at prices well below market rates, designed to maximize prepaid revenue before disappearing. I purchased my service during this period.

December 20, 2025: The merchant posted on Reddit seeking someone to "take over" the business, a common exit scam tactic.

December 23, 2025: Public disclosure on [forum name] revealed the merchant had disappeared with both:
- Customer prepayments for multi-year contracts
- Business transfer funds from a prospective buyer (US citizen)

December 24-26, 2025: Services are only running because the defrauded US buyer paid infrastructure bills out of pocket. I have no contract with this third party and no guarantee of continued service.

Evidence of Premeditated Fraud

Suspicious Business Practices: The merchant operated for nearly 4 years without proper UK business registration disclosure (legal name "ABC" was not displayed with trading name as required by UK Companies Act). This violation was only discovered 23 days before the merchant disappeared, suggesting awareness of impending legal scrutiny.

Predatory Pricing Pattern: From June through November 2025, the merchant systematically offered below-market pricing specifically to lock customers into long-term prepaid contracts, maximizing the value of the exit scam.

Multi-Year Prepayment Strategy: The merchant pushed 2-3 year contracts heavily during Black Friday 2025, collecting maximum prepayments immediately before disappearing.

Triangle Scam: The merchant solicited a business buyer, collected transfer funds from that buyer on December 23, 2025, then disappeared with both transfer payments and customer prepayments.

Complete Abandonment: The merchant has not responded to any communications since December 23, 2025, and has made no attempt to fulfill service obligations or issue refunds.

Multiple Victims: Numerous customers on [forum name] have reported being defrauded, with contract ages ranging from 6 months to just weeks old. All involve multi-year prepayments.

Material Breach of Contract

I paid for: [2 or 3] years of hosting services ([start date] to [end date])

I received: Approximately [X weeks/days] of service before merchant abandonment

Services owed but not provided: [Calculate: nearly the entire contract period - e.g., "approximately 35 months of the 36-month contract remain unfulfilled"]

Contract value unfulfilled: Approximately [calculate percentage - e.g., "97% of the contract value"]

Current Service Status Does Not Fulfill My Contract

While services are temporarily operational, this does NOT satisfy my contract because:

No Contractual Relationship: I have no agreement with the US citizen currently maintaining the infrastructure. My contract was exclusively with the UK sole trader who has abandoned obligations.

No Service Guarantees: The US citizen is acting as a "good Samaritan" and may discontinue services at any time. He has specifically mentioned seeking to discontinue "unfair" contracts.

Breach of Original Terms: My contract specified terms, service levels, and support from the UK trader. None of these are being honored.

Temporary Charity ≠ Contracted Service: Service continuation is at the discretion of a third party who has no obligation to me and has explicitly stated the arrangement is unsustainable.

Supporting Documentation

I have attached the following evidence:

Payment Proof: Invoice/receipt showing [amount] paid on [date] for [2-3] year contract

Contract Terms: Original service agreement and terms accepted at purchase

Exit Scam Evidence:

Screenshot of Reddit post dated December 20, 2025 (merchant seeking business buyer)

Screenshots of [forum name] posts from December 23, 2025 (disclosure of merchant disappearance with funds)

Forum discussions showing multiple victims with similar circumstances

Attempted Contact: Evidence of unanswered emails/messages to merchant (dates: [list dates])

Timeline Documentation: Evidence of aggressive pricing campaigns June-November 2025

Business Registration Issue: Documentation of the merchant's failure to properly display legal business name (discovered 23 days before disappearance)

Requested Resolution

I request a full chargeback or pro-rata of [amount] under the following reason codes:

Visa: Reason Code 30 (Services Not Provided or Not as Described)

Mastercard: Reason Code 4853 (Goods or Services Not Provided)

Alternative: Fraud classification given the clear exit scam pattern

Justification Summary

The merchant:

Engaged in a premeditated exit scam by offering aggressive multi-year deals specifically to maximize prepayments before disappearing

Breached contract by abandoning service obligations after collecting [2-3] years of prepayment

Failed to provide approximately [X%] of contracted services

Committed fraud by taking funds with no intention of fulfilling long-term obligations

Is completely unreachable and has made no attempt at refund or service continuation

Defrauded multiple customers in an identical pattern, demonstrating systematic fraud

This is not a dispute over service quality or minor issues - this is outright theft through a calculated exit scam.

I did not receive the services I paid for, the merchant has disappeared with prepaid funds, and I have no contractual protection for the remaining [X months/years] of service I purchased.

Cardholder Signature: ___________________________

Date: ___________________________

Contact Information:
Email: [email]
Phone: [phone]
Address: [address]

Please don't... Cut the AI crap.

Read it first before saying anything

I did then I'm like, it's full of shit.

Providing false info in a chargeback... Never a good idea.

What false info? Does Eric has contractual obligation to provide Lewis customer service? Had He and Lewis made novation with the Lewis customer?

Dude, it's terrible crap obviously written by ai. Just don't. Trust me, thank me later.

Saragoldfarb · December 2025

For one:

"I did not receive the services I paid for,"

End of story, you lose dispute.

rpqu · December 2025

@Saragoldfarb said:
How do oeop> @rpqu said:

@Saragoldfarb said:

@rpqu said:

@Saragoldfarb said:

@rpqu said:

@HotaruBlaze said:
Honestly at this point, I'm leaning towards just trying to dispute via paypal

Here's an example of AI assisted dispute request with facts

@rpqu said:
Sigh, a hypothetical reasoning, for educational purpose

Chargeback Dispute Request - Exit Scam / Services Not Provided

Date: [Current Date - December 27, 2025 or later]
Cardholder Name: [Your Friend's Full Name]
Card Number: [Last 4 digits only - XXXX]
Transaction Date: [Date of Payment - likely late November 2025]
Transaction Amount: [Amount in GBP/USD/EUR]
Merchant Name: [UK Sole Trader's Legal Name] T/A [Trading Name/Brand Name]

Reason for Dispute: Services Not Provided / Merchant Fraud - Exit Scam

I am formally requesting a chargeback for the above transaction due to the merchant's premeditated exit scam and abandonment of contractual obligations.

Summary of Fraudulent Activity

I purchased [specify: VPS/dedicated server/shared hosting] services from [Merchant Name], a UK sole trader, on [transaction date]. I made a one-time prepayment of [amount] for a [2 or 3]-year service contract that was to run from [start date] through [end date - 2027 or 2028].

The merchant has disappeared after executing a clear exit scam, taking prepaid funds from multiple customers while abandoning all service obligations.

Timeline of Exit Scam

June 2025: The merchant began aggressive pricing campaigns on [forum name], offering deals significantly cheaper than competitors to attract customers into long-term prepaid contracts.

November 2025 (Black Friday): The merchant intensified the scheme with extremely aggressive 2-3 year deals at prices well below market rates, designed to maximize prepaid revenue before disappearing. I purchased my service during this period.

December 20, 2025: The merchant posted on Reddit seeking someone to "take over" the business, a common exit scam tactic.

December 23, 2025: Public disclosure on [forum name] revealed the merchant had disappeared with both:
- Customer prepayments for multi-year contracts
- Business transfer funds from a prospective buyer (US citizen)

December 24-26, 2025: Services are only running because the defrauded US buyer paid infrastructure bills out of pocket. I have no contract with this third party and no guarantee of continued service.

Evidence of Premeditated Fraud

Suspicious Business Practices: The merchant operated for nearly 4 years without proper UK business registration disclosure (legal name "ABC" was not displayed with trading name as required by UK Companies Act). This violation was only discovered 23 days before the merchant disappeared, suggesting awareness of impending legal scrutiny.

Predatory Pricing Pattern: From June through November 2025, the merchant systematically offered below-market pricing specifically to lock customers into long-term prepaid contracts, maximizing the value of the exit scam.

Multi-Year Prepayment Strategy: The merchant pushed 2-3 year contracts heavily during Black Friday 2025, collecting maximum prepayments immediately before disappearing.

Triangle Scam: The merchant solicited a business buyer, collected transfer funds from that buyer on December 23, 2025, then disappeared with both transfer payments and customer prepayments.

Complete Abandonment: The merchant has not responded to any communications since December 23, 2025, and has made no attempt to fulfill service obligations or issue refunds.

Multiple Victims: Numerous customers on [forum name] have reported being defrauded, with contract ages ranging from 6 months to just weeks old. All involve multi-year prepayments.

Material Breach of Contract

I paid for: [2 or 3] years of hosting services ([start date] to [end date])

I received: Approximately [X weeks/days] of service before merchant abandonment

Services owed but not provided: [Calculate: nearly the entire contract period - e.g., "approximately 35 months of the 36-month contract remain unfulfilled"]

Contract value unfulfilled: Approximately [calculate percentage - e.g., "97% of the contract value"]

Current Service Status Does Not Fulfill My Contract

While services are temporarily operational, this does NOT satisfy my contract because:

No Contractual Relationship: I have no agreement with the US citizen currently maintaining the infrastructure. My contract was exclusively with the UK sole trader who has abandoned obligations.

No Service Guarantees: The US citizen is acting as a "good Samaritan" and may discontinue services at any time. He has specifically mentioned seeking to discontinue "unfair" contracts.

Breach of Original Terms: My contract specified terms, service levels, and support from the UK trader. None of these are being honored.

Temporary Charity ≠ Contracted Service: Service continuation is at the discretion of a third party who has no obligation to me and has explicitly stated the arrangement is unsustainable.

Supporting Documentation

I have attached the following evidence:

Payment Proof: Invoice/receipt showing [amount] paid on [date] for [2-3] year contract

Contract Terms: Original service agreement and terms accepted at purchase

Exit Scam Evidence:

Screenshot of Reddit post dated December 20, 2025 (merchant seeking business buyer)

Screenshots of [forum name] posts from December 23, 2025 (disclosure of merchant disappearance with funds)

Forum discussions showing multiple victims with similar circumstances

Attempted Contact: Evidence of unanswered emails/messages to merchant (dates: [list dates])

Timeline Documentation: Evidence of aggressive pricing campaigns June-November 2025

Business Registration Issue: Documentation of the merchant's failure to properly display legal business name (discovered 23 days before disappearance)

Requested Resolution

I request a full chargeback or pro-rata of [amount] under the following reason codes:

Visa: Reason Code 30 (Services Not Provided or Not as Described)

Mastercard: Reason Code 4853 (Goods or Services Not Provided)

Alternative: Fraud classification given the clear exit scam pattern

Justification Summary

The merchant:

Engaged in a premeditated exit scam by offering aggressive multi-year deals specifically to maximize prepayments before disappearing

Breached contract by abandoning service obligations after collecting [2-3] years of prepayment

Failed to provide approximately [X%] of contracted services

Committed fraud by taking funds with no intention of fulfilling long-term obligations

Is completely unreachable and has made no attempt at refund or service continuation

Defrauded multiple customers in an identical pattern, demonstrating systematic fraud

This is not a dispute over service quality or minor issues - this is outright theft through a calculated exit scam.

I did not receive the services I paid for, the merchant has disappeared with prepaid funds, and I have no contractual protection for the remaining [X months/years] of service I purchased.

Cardholder Signature: ___________________________

Date: ___________________________

Contact Information:
Email: [email]
Phone: [phone]
Address: [address]

Please don't... Cut the AI crap.

Read it first before saying anything

I did then I'm like, it's full of shit.

Providing false info in a chargeback... Never a good idea.

What false info? Does Eric has contractual obligation to provide Lewis customer service? Had He and Lewis made novation with the Lewis customer?

Dude, it's terrible crap obviously written by ai. Just don't. Trust me, thank me later.

Okay, please share your dispute request

HotaruBlaze · December 2025

@Saragoldfarb said:
How do oeop> @rpqu said:

@Saragoldfarb said:

@rpqu said:

@Saragoldfarb said:

@rpqu said:

@HotaruBlaze said:
Honestly at this point, I'm leaning towards just trying to dispute via paypal

Here's an example of AI assisted dispute request with facts

@rpqu said:
Sigh, a hypothetical reasoning, for educational purpose

Chargeback Dispute Request - Exit Scam / Services Not Provided

Date: [Current Date - December 27, 2025 or later]
Cardholder Name: [Your Friend's Full Name]
Card Number: [Last 4 digits only - XXXX]
Transaction Date: [Date of Payment - likely late November 2025]
Transaction Amount: [Amount in GBP/USD/EUR]
Merchant Name: [UK Sole Trader's Legal Name] T/A [Trading Name/Brand Name]

Reason for Dispute: Services Not Provided / Merchant Fraud - Exit Scam

I am formally requesting a chargeback for the above transaction due to the merchant's premeditated exit scam and abandonment of contractual obligations.

Summary of Fraudulent Activity

I purchased [specify: VPS/dedicated server/shared hosting] services from [Merchant Name], a UK sole trader, on [transaction date]. I made a one-time prepayment of [amount] for a [2 or 3]-year service contract that was to run from [start date] through [end date - 2027 or 2028].

The merchant has disappeared after executing a clear exit scam, taking prepaid funds from multiple customers while abandoning all service obligations.

Timeline of Exit Scam

June 2025: The merchant began aggressive pricing campaigns on [forum name], offering deals significantly cheaper than competitors to attract customers into long-term prepaid contracts.

November 2025 (Black Friday): The merchant intensified the scheme with extremely aggressive 2-3 year deals at prices well below market rates, designed to maximize prepaid revenue before disappearing. I purchased my service during this period.

December 20, 2025: The merchant posted on Reddit seeking someone to "take over" the business, a common exit scam tactic.

December 23, 2025: Public disclosure on [forum name] revealed the merchant had disappeared with both:
- Customer prepayments for multi-year contracts
- Business transfer funds from a prospective buyer (US citizen)

December 24-26, 2025: Services are only running because the defrauded US buyer paid infrastructure bills out of pocket. I have no contract with this third party and no guarantee of continued service.

Evidence of Premeditated Fraud

Suspicious Business Practices: The merchant operated for nearly 4 years without proper UK business registration disclosure (legal name "ABC" was not displayed with trading name as required by UK Companies Act). This violation was only discovered 23 days before the merchant disappeared, suggesting awareness of impending legal scrutiny.

Predatory Pricing Pattern: From June through November 2025, the merchant systematically offered below-market pricing specifically to lock customers into long-term prepaid contracts, maximizing the value of the exit scam.

Multi-Year Prepayment Strategy: The merchant pushed 2-3 year contracts heavily during Black Friday 2025, collecting maximum prepayments immediately before disappearing.

Triangle Scam: The merchant solicited a business buyer, collected transfer funds from that buyer on December 23, 2025, then disappeared with both transfer payments and customer prepayments.

Complete Abandonment: The merchant has not responded to any communications since December 23, 2025, and has made no attempt to fulfill service obligations or issue refunds.

Multiple Victims: Numerous customers on [forum name] have reported being defrauded, with contract ages ranging from 6 months to just weeks old. All involve multi-year prepayments.

Material Breach of Contract

I paid for: [2 or 3] years of hosting services ([start date] to [end date])

I received: Approximately [X weeks/days] of service before merchant abandonment

Services owed but not provided: [Calculate: nearly the entire contract period - e.g., "approximately 35 months of the 36-month contract remain unfulfilled"]

Contract value unfulfilled: Approximately [calculate percentage - e.g., "97% of the contract value"]

Current Service Status Does Not Fulfill My Contract

While services are temporarily operational, this does NOT satisfy my contract because:

No Contractual Relationship: I have no agreement with the US citizen currently maintaining the infrastructure. My contract was exclusively with the UK sole trader who has abandoned obligations.

No Service Guarantees: The US citizen is acting as a "good Samaritan" and may discontinue services at any time. He has specifically mentioned seeking to discontinue "unfair" contracts.

Breach of Original Terms: My contract specified terms, service levels, and support from the UK trader. None of these are being honored.

Temporary Charity ≠ Contracted Service: Service continuation is at the discretion of a third party who has no obligation to me and has explicitly stated the arrangement is unsustainable.

Supporting Documentation

I have attached the following evidence:

Payment Proof: Invoice/receipt showing [amount] paid on [date] for [2-3] year contract

Contract Terms: Original service agreement and terms accepted at purchase

Exit Scam Evidence:

Screenshot of Reddit post dated December 20, 2025 (merchant seeking business buyer)

Screenshots of [forum name] posts from December 23, 2025 (disclosure of merchant disappearance with funds)

Forum discussions showing multiple victims with similar circumstances

Attempted Contact: Evidence of unanswered emails/messages to merchant (dates: [list dates])

Timeline Documentation: Evidence of aggressive pricing campaigns June-November 2025

Business Registration Issue: Documentation of the merchant's failure to properly display legal business name (discovered 23 days before disappearance)

Requested Resolution

I request a full chargeback or pro-rata of [amount] under the following reason codes:

Visa: Reason Code 30 (Services Not Provided or Not as Described)

Mastercard: Reason Code 4853 (Goods or Services Not Provided)

Alternative: Fraud classification given the clear exit scam pattern

Justification Summary

The merchant:

Engaged in a premeditated exit scam by offering aggressive multi-year deals specifically to maximize prepayments before disappearing

Breached contract by abandoning service obligations after collecting [2-3] years of prepayment

Failed to provide approximately [X%] of contracted services

Committed fraud by taking funds with no intention of fulfilling long-term obligations

Is completely unreachable and has made no attempt at refund or service continuation

Defrauded multiple customers in an identical pattern, demonstrating systematic fraud

This is not a dispute over service quality or minor issues - this is outright theft through a calculated exit scam.

I did not receive the services I paid for, the merchant has disappeared with prepaid funds, and I have no contractual protection for the remaining [X months/years] of service I purchased.

Cardholder Signature: ___________________________

Date: ___________________________

Contact Information:
Email: [email]
Phone: [phone]
Address: [address]

Please don't... Cut the AI crap.

Read it first before saying anything

I did then I'm like, it's full of shit.

Providing false info in a chargeback... Never a good idea.

What false info? Does Eric has contractual obligation to provide Lewis customer service? Had He and Lewis made novation with the Lewis customer?

Dude, it's terrible crap obviously written by ai. Just don't. Trust me, thank me later.

I'd like to chargeback but honestly, I'm new to having to deal with this stuff and to me the server is kinda just a paperweight that cant store anything sensitive,

I'm just glad i only did 1 year.

Saragoldfarb · December 2025

@rpqu said:

@Saragoldfarb said:
How do oeop> @rpqu said:

@Saragoldfarb said:

@rpqu said:

@Saragoldfarb said:

@rpqu said:

@HotaruBlaze said:
Honestly at this point, I'm leaning towards just trying to dispute via paypal

Here's an example of AI assisted dispute request with facts

@rpqu said:
Sigh, a hypothetical reasoning, for educational purpose

Chargeback Dispute Request - Exit Scam / Services Not Provided

Date: [Current Date - December 27, 2025 or later]
Cardholder Name: [Your Friend's Full Name]
Card Number: [Last 4 digits only - XXXX]
Transaction Date: [Date of Payment - likely late November 2025]
Transaction Amount: [Amount in GBP/USD/EUR]
Merchant Name: [UK Sole Trader's Legal Name] T/A [Trading Name/Brand Name]

Reason for Dispute: Services Not Provided / Merchant Fraud - Exit Scam

I am formally requesting a chargeback for the above transaction due to the merchant's premeditated exit scam and abandonment of contractual obligations.

Summary of Fraudulent Activity

I purchased [specify: VPS/dedicated server/shared hosting] services from [Merchant Name], a UK sole trader, on [transaction date]. I made a one-time prepayment of [amount] for a [2 or 3]-year service contract that was to run from [start date] through [end date - 2027 or 2028].

The merchant has disappeared after executing a clear exit scam, taking prepaid funds from multiple customers while abandoning all service obligations.

Timeline of Exit Scam

June 2025: The merchant began aggressive pricing campaigns on [forum name], offering deals significantly cheaper than competitors to attract customers into long-term prepaid contracts.

November 2025 (Black Friday): The merchant intensified the scheme with extremely aggressive 2-3 year deals at prices well below market rates, designed to maximize prepaid revenue before disappearing. I purchased my service during this period.

December 20, 2025: The merchant posted on Reddit seeking someone to "take over" the business, a common exit scam tactic.

December 23, 2025: Public disclosure on [forum name] revealed the merchant had disappeared with both:
- Customer prepayments for multi-year contracts
- Business transfer funds from a prospective buyer (US citizen)

December 24-26, 2025: Services are only running because the defrauded US buyer paid infrastructure bills out of pocket. I have no contract with this third party and no guarantee of continued service.

Evidence of Premeditated Fraud

Suspicious Business Practices: The merchant operated for nearly 4 years without proper UK business registration disclosure (legal name "ABC" was not displayed with trading name as required by UK Companies Act). This violation was only discovered 23 days before the merchant disappeared, suggesting awareness of impending legal scrutiny.

Predatory Pricing Pattern: From June through November 2025, the merchant systematically offered below-market pricing specifically to lock customers into long-term prepaid contracts, maximizing the value of the exit scam.

Multi-Year Prepayment Strategy: The merchant pushed 2-3 year contracts heavily during Black Friday 2025, collecting maximum prepayments immediately before disappearing.

Triangle Scam: The merchant solicited a business buyer, collected transfer funds from that buyer on December 23, 2025, then disappeared with both transfer payments and customer prepayments.

Complete Abandonment: The merchant has not responded to any communications since December 23, 2025, and has made no attempt to fulfill service obligations or issue refunds.

Multiple Victims: Numerous customers on [forum name] have reported being defrauded, with contract ages ranging from 6 months to just weeks old. All involve multi-year prepayments.

Material Breach of Contract

I paid for: [2 or 3] years of hosting services ([start date] to [end date])

I received: Approximately [X weeks/days] of service before merchant abandonment

Services owed but not provided: [Calculate: nearly the entire contract period - e.g., "approximately 35 months of the 36-month contract remain unfulfilled"]

Contract value unfulfilled: Approximately [calculate percentage - e.g., "97% of the contract value"]

Current Service Status Does Not Fulfill My Contract

While services are temporarily operational, this does NOT satisfy my contract because:

No Contractual Relationship: I have no agreement with the US citizen currently maintaining the infrastructure. My contract was exclusively with the UK sole trader who has abandoned obligations.

No Service Guarantees: The US citizen is acting as a "good Samaritan" and may discontinue services at any time. He has specifically mentioned seeking to discontinue "unfair" contracts.

Breach of Original Terms: My contract specified terms, service levels, and support from the UK trader. None of these are being honored.

Temporary Charity ≠ Contracted Service: Service continuation is at the discretion of a third party who has no obligation to me and has explicitly stated the arrangement is unsustainable.

Supporting Documentation

I have attached the following evidence:

Payment Proof: Invoice/receipt showing [amount] paid on [date] for [2-3] year contract

Contract Terms: Original service agreement and terms accepted at purchase

Exit Scam Evidence:

Screenshot of Reddit post dated December 20, 2025 (merchant seeking business buyer)

Screenshots of [forum name] posts from December 23, 2025 (disclosure of merchant disappearance with funds)

Forum discussions showing multiple victims with similar circumstances

Attempted Contact: Evidence of unanswered emails/messages to merchant (dates: [list dates])

Timeline Documentation: Evidence of aggressive pricing campaigns June-November 2025

Business Registration Issue: Documentation of the merchant's failure to properly display legal business name (discovered 23 days before disappearance)

Requested Resolution

I request a full chargeback or pro-rata of [amount] under the following reason codes:

Visa: Reason Code 30 (Services Not Provided or Not as Described)

Mastercard: Reason Code 4853 (Goods or Services Not Provided)

Alternative: Fraud classification given the clear exit scam pattern

Justification Summary

The merchant:

Engaged in a premeditated exit scam by offering aggressive multi-year deals specifically to maximize prepayments before disappearing

Breached contract by abandoning service obligations after collecting [2-3] years of prepayment

Failed to provide approximately [X%] of contracted services

Committed fraud by taking funds with no intention of fulfilling long-term obligations

Is completely unreachable and has made no attempt at refund or service continuation

Defrauded multiple customers in an identical pattern, demonstrating systematic fraud

This is not a dispute over service quality or minor issues - this is outright theft through a calculated exit scam.

I did not receive the services I paid for, the merchant has disappeared with prepaid funds, and I have no contractual protection for the remaining [X months/years] of service I purchased.

Cardholder Signature: ___________________________

Date: ___________________________

Contact Information:
Email: [email]
Phone: [phone]
Address: [address]

Please don't... Cut the AI crap.

Read it first before saying anything

I did then I'm like, it's full of shit.

Providing false info in a chargeback... Never a good idea.

What false info? Does Eric has contractual obligation to provide Lewis customer service? Had He and Lewis made novation with the Lewis customer?

Dude, it's terrible crap obviously written by ai. Just don't. Trust me, thank me later.

Okay, please share your dispute request

Why would I do that?

Saragoldfarb · December 2025

Just saying, use your brain. Be real, present facts. Don't use AI as it's full of shit.

taoqiKO · December 2025

My server is offline. The official website is no longer accessible.

galaxyvps · December 2025

My VPS is offline.

Refund / Continue providing service
Please, LowEndTalk administrators, ban Velox Media.

default · December 2025

@galaxyvps said:
My VPS is offline.

Refund / Continue providing service

Please, LowEndTalk administrators, ban Velox Media.

Provider tag is suspended. VeloxMedia is no longer a provider of LET, just a member offering explanations and answers (if they wish).

default · December 2025

ducpt254 · December 2025

Have you fixed the error at the datacenter yet?

default · December 2025

@ducpt254 said:
Have you fixed the error at the datacenter yet?

You should be grateful he's working, because he's doing you a favour.

bdl · December 2025

My fremont service is available again

default · December 2025

@bdl said:
My fremont service is available again

Not for me.

JohnnySac · December 2025

Fremont came back for me 22 minutes ago.

hnnghia2 · December 2025

It came back for me. Merry christmas !!

default · December 2025

@default said:

@bdl said:
My fremont service is available again

Not for me.

Back for me too.

surfinhu · December 2025

My two VPS are back.

TimboJones · December 2025

@ralf said:

@TimboJones said:

@ralf said:

@TimboJones said:

@ralf said:
What I don't understand is why other companies attempt to take over this kind of disaster.

I always thought money laundering. If I needed to launder money, seems easier than laundromats. They stink and suck.

They do have at least a thin veneer of plausibility that they're not running a scam. I think it's car washes that are more likely money laundering anyway as they can explain away a larger sum of money.

I think car washes are bad, they have physically limited amount of bays and usually a fixed cost (coins per minute), should vary with season and weather, so it's easier to peg actual vs laundered limits and get caught.

Unless they offer the personal touch hand car wash, then you can charge $$$ without tripping as many alarms.

The problem with launderettes (laundromat for you) is that the machines take so long. If the washing machine has an hour cycle and only charges $2-3 (no idea of US price, I've only used them in Taiwan recently, and there it was about $2 for an hour and about $0.25 per 7 minutes on the driers) so even if you have 10 of each machine it's hard to explain a turnover of more than around $1000 a day when busy 24/7.

For a car wash, in the UK you'd be looking at 5-10 GBP and it'd take about 5 minutes. My gut thought is that because it's much quicker and more expensive, you'd shift more through it, but I guess you're right that they might only have 1 or 2 lanes and probably only operate certain hours. Probably not much in it either way.

To clarify, I wouldn't bother with laundromat or car wash, just the hosting business. I think people still laundering through physical stores either need to launder cash specifically, or are just tech illiterate.

What would Marty Bird use?

TimboJones · December 2025

@ralf said:

@TimboJones said:

@ralf said:

@VeloxMedia said:

@Neoon said:

@VeloxMedia said:
Also another update. I'm seeing some chargeback emails. I can't see the statuses as I can only see the emails that come into Lewis's old Velox mailbox. So if anyone files a chargeback I'll be terminating their account and deleting all their data. I believe this is the best course of action and follows Lewis's original TOS. Its the most fair way and completely your decision as a buyer and your agreement between you and Lewis's company. It isn't fair for users to receive a refund while still keeping their full service.

Why do you even care? Its not your Paypal or Stripe account, or is it?

Because its not fair that they're getting a full refund and I'm hosting their data. That's called fraud.

They need to pick a lane, Either they can take the path of litigation and try to get a refund or they can continue the service that's working perfectly fine. You don't get both legally

Is it fair that people have paid in full and you're threatening to pull their service because you think Lewis sold it too cheaply?

How about YOU pick a lane dude.

You're thinking that he has any responsibility towards someone who charged back the service he claimed to the payment service that he's not receiving the service? GTFO.

No. Maybe you missed the context of the thread. He was threatening to pull service from people who had paid in full for a 3 year deal because Lewis had sold them too cheaply. He wasn't offering refunds, just saying it was unfair to expect him to honour the contract.

EDIT: see https://lowendtalk.com/discussion/comment/4694093#Comment_4694093

"Because its not fair that they're getting a full refund and I'm hosting their data"

You misunderstood the context. They successfully charged back and received a refund. Nobody owes that guy any service. Full. Stop.

HotaruBlaze · December 2025

@TimboJones said:

@ralf said:

@TimboJones said:

@ralf said:

@VeloxMedia said:

@Neoon said:

@VeloxMedia said:
Also another update. I'm seeing some chargeback emails. I can't see the statuses as I can only see the emails that come into Lewis's old Velox mailbox. So if anyone files a chargeback I'll be terminating their account and deleting all their data. I believe this is the best course of action and follows Lewis's original TOS. Its the most fair way and completely your decision as a buyer and your agreement between you and Lewis's company. It isn't fair for users to receive a refund while still keeping their full service.

Why do you even care? Its not your Paypal or Stripe account, or is it?

Because its not fair that they're getting a full refund and I'm hosting their data. That's called fraud.

They need to pick a lane, Either they can take the path of litigation and try to get a refund or they can continue the service that's working perfectly fine. You don't get both legally

Is it fair that people have paid in full and you're threatening to pull their service because you think Lewis sold it too cheaply?

How about YOU pick a lane dude.

You're thinking that he has any responsibility towards someone who charged back the service he claimed to the payment service that he's not receiving the service? GTFO.

No. Maybe you missed the context of the thread. He was threatening to pull service from people who had paid in full for a 3 year deal because Lewis had sold them too cheaply. He wasn't offering refunds, just saying it was unfair to expect him to honour the contract.

EDIT: see https://lowendtalk.com/discussion/comment/4694093#Comment_4694093

"Because its not fair that they're getting a full refund and I'm hosting their data"

You misunderstood the context. They successfully charged back and received a refund. Nobody owes that guy any service. Full. Stop.

Not quite, if a dispute opens, he's deleting the service, he's not waiting for the chargeback to be successful, it's purely on intent because "He can't actually access the status of disputes"

HotaruBlaze · December 2025

I think if the chargebacks were successful, we would probably be seeing more people saying they got refunded imo

xAbhi · December 2025

Any other provider with a big enough heart looking to onboard harangued customers from here?

Because there apparently is no clarity on this one. And he refuses to reply.

rpqu · December 2025

The guy you entered the contract with is on the run
Your server lives rent free inside infrastructure paid by US citizen who got scammed with the guise of taking over business
Somehow the 4-hour-sleep-a-day guy opposed your plan vacating the server and getting a refund

Francisco · December 2025

@xAbhi said: Any other provider with a big enough heart looking to onboard harangued customers from here?

What pricing are you expecting here...?

We're in the middle of a RAM shortage where prices are 5x~8x. Even in the good times it was $30 for 32G, nevermind the rest of the operational costs of that server.

I think the absolute cheapest price i've seen around is like $0.45/GB/month.

Francisco

Calypso · December 2025

@HonestOpinions said:

@VeloxMedia said:
Let's play a game. If the attack magically stops within the next hour I'll send some money to an existing customer.

If you're a customer comment here between now and 4:45pm EST. Well figure a way to pick the winner if it stops

Interesting proposition.

Not only that. Also an interesting way of getting providers to deadpool. Start an attack, wait for above proposition, stop, wait until payment has been done, start again.

Calypso · December 2025

@VeloxMedia said:
What does your SLA guarantee state? Can you show this to me in the agreement? I've read every agreement I've found and havent seen anything

You're a funny guy. Removing ToS from site (so a 404 page displays) but in the meanwhile still have the "99.99% Network uptime guarantee!" on the homepage and your signature here on LET also states 99.99% uptime guarantee.

emgh · December 2025

@Francisco said:

@xAbhi said: Any other provider with a big enough heart looking to onboard harangued customers from here?

What pricing are you expecting here...?

Honestly if you up the swiss buyvm stock a bit and post a 50 % recurring vecocks rescue promo I wouldn’t complain

beanman109 · December 2025

@emgh said:

@Francisco said:

@xAbhi said: Any other provider with a big enough heart looking to onboard harangued customers from here?

What pricing are you expecting here...?

Honestly if you up the swiss buyvm stock a bit and post a 50 % recurring vecocks rescue promo I wouldn’t complain

Not OK at all.

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In this Discussion

Velox media under new management

Comments

Chargeback Dispute Request - Exit Scam / Services Not Provided

Reason for Dispute: Services Not Provided / Merchant Fraud - Exit Scam

Summary of Fraudulent Activity

Timeline of Exit Scam

Evidence of Premeditated Fraud

Material Breach of Contract

Current Service Status Does Not Fulfill My Contract

Supporting Documentation

Requested Resolution

Justification Summary

Chargeback Dispute Request - Exit Scam / Services Not Provided

Reason for Dispute: Services Not Provided / Merchant Fraud - Exit Scam

Summary of Fraudulent Activity

Timeline of Exit Scam

Evidence of Premeditated Fraud

Material Breach of Contract

Current Service Status Does Not Fulfill My Contract

Supporting Documentation

Requested Resolution

Justification Summary

Chargeback Dispute Request - Exit Scam / Services Not Provided

Reason for Dispute: Services Not Provided / Merchant Fraud - Exit Scam

Summary of Fraudulent Activity

Timeline of Exit Scam

Evidence of Premeditated Fraud

Material Breach of Contract

Current Service Status Does Not Fulfill My Contract

Supporting Documentation

Requested Resolution

Justification Summary

Chargeback Dispute Request - Exit Scam / Services Not Provided

Reason for Dispute: Services Not Provided / Merchant Fraud - Exit Scam

Summary of Fraudulent Activity

Timeline of Exit Scam

Evidence of Premeditated Fraud

Material Breach of Contract

Current Service Status Does Not Fulfill My Contract

Supporting Documentation

Requested Resolution

Justification Summary

Chargeback Dispute Request - Exit Scam / Services Not Provided

Reason for Dispute: Services Not Provided / Merchant Fraud - Exit Scam

Summary of Fraudulent Activity

Timeline of Exit Scam

Evidence of Premeditated Fraud

Material Breach of Contract

Current Service Status Does Not Fulfill My Contract

Supporting Documentation

Requested Resolution

Justification Summary