I have received  a package from smart tools  independent refund processing, I need to know if this is a legitimate business.
thanks

I read you response to questions ask on this blog/forum. I find your opinions very positive. I would love to learn more of what you do in this business I too ordered the kit as well but never did any thing with it. Please respond thank you.

same scam different phone no 1-213363-5114

RECIEVED CALL 01-10-08 THIS PERSON STATED THAT THEY WERE HIRING,LOOKIN FOR PERSONS WHO WANT TO WORK FROM HOME,AND THEY WERE WITH FEDERAL GOVERNMENT FHA. THEY STATED(PERSON WAS A FEMALE )THE JOB WOULD BE PROCESSNG REFUND CHECKS TO CUSTOMER WHO PAID TO MUCH OVER- PAY MONEY  HOME LOAN THAT WERE FINANCIED THROUGH THE FHA LOAN. THE FEE FOR FHA LOAN PROCESSOR,S JOB $69.00 PAID BY DEBIT OR CREDIT CARD OR CHECKING ACCOUNT WITH TRACKING NUMBERS. THE FHA PROCESSOR PACKAGE WOULD BE SENT TO YOUR ADDRESS IN FIVE TOO SEVEN WORKING DAY. THE CALL CAN FROM A VOICE TEXT # 512-404-1292. I GIVE NO INFOR, I NEW I WAS RIP-OFF. I HOPE THEY GET THEM WHO RIPPING PEOPLES.

the job is real,almost impossible to do. first you must buy list from the govt.for 89$. you get 12000 pages in fla alone. Then to fill out just the first letter is a chore. Most of the refunds are in the $200 to $300 range. Which means 99% of the fee to you is about $60. MOst of the letters come back as receipient not found. Now, if you should find just one customer and they get a refund, they may or not pay you a fee. collection of the fee is futile. Yes, this is a scam of big perportions. No refunds of your $69 will you ever see.

These people are horrible. They sell "get rich quick schemes" and rake in the cash. They are liars, cheats and crooks. Curt Dawn posts pictures of himself with heaps of envelopes containing checks on his desk. It is obscene.

GMI is a RIP OFF!!! They called from 1888-225-0068 and stated that they had great opportunities. To make a long story short, they turned out to be a fraudulent company and they do not refund your money no matter what they say!!!!!!!

I am gathering information to start a class action lawsuit on GMI Enterprises with an attorney in my area. Please email me at rmears001@triad.rr.com if you wish to be contacted by myself or my attorney in regards to a class action lawsuit against GMI Enterprises.

Attention.... please everyone says the samething but no one has not mentioned if they even tried the business. Alot of companys had bad reviews and still they make money,now my concern is ,anyone is going to even try the business at least to see if it really doesn't work. After all if you paid because it sounds good so why not try the business. What if it really works,why would i say something is a scam without getting the opinion of a real source, meaning someone who purchased and worked it. Just like someone tells you don't get married, thats a bad comment,very negative. I know peolpe who are married and their great. I am trying to get at is stop talking about a scam just because someone else says is a scam, make sure someone actually tried this type of business then complained, i really do appreciate if someone talks about this business but with the experience that they at least followed what the program entitles you to do, thanks

Jose, think through this a little. They are selling thousands of people the same list they are selling you. They are making a fortune from doing this. Let's do the math. You get a list with for example, 1,000 names on it. 5,000 other people have bought this same list and are working it. Then you pay to print and mail your letter to 1,000 names. The problem is each one of these people have been contacted a gazillion times.

What is more, my friend, is that you can find this same list online for free. So can the people who are owed refunds.

And the list you purchased probably cost GMI $3 to send. And you just gave them $79.

Is it a legitimate business? Yes. It is registered with the state of Oregon. Is it a scam? Yes. The product is crap and you will spend more money than you will make. The owners are the only ones getting rich by selling "The American Dream".

I was contacted by this company about two weeks ago and received the documentation within 5 days. GMI is not listed on the BBB of Oregon which usually means there have been no complaints filed with them for this company.
When I entered "Refund of Mortgage Insurance Recovery", other companies were
listed for this business. My Orientation Manual includes step-by-step instructions along with a CD. The website provided on the Manual is valid. While this may turn out to be a scam; GMI has gone to a lot of effort to make it look good. Also, this is the first "scam" that informed me that I would have to work and that I would receive a large amount of month within a week.

I am in the same boat as Lehne so I understand the fear of incurring more debt.  The only problem that I have with the representation is the fact that
manual does not advise the buyer that the lists of people that are owed money are obtained through the Federal Government and these are not free. They are listed by state so the user can choose how much they want to spend. Many of the large States are over 800 pages long priced accordingly. I intend to start small.

Hope That This is Helpful

I was lucky and didn't fall for this. I started asking all of these questions about proving that it's not a scam, and they hung up on me. The number that showed up on my caller id:
Paging Phones CA
818-870-8193
When i had asked if they are affiliated with the government, then why use paging phones CA, i was told because its just a phone service that they use to make the phone calls.
I also serched the internet for this GMI Enterprises and all I keep coming across is scam warnings on this company. I have heard more horror stories then legit ones. Makes me really wonder if the ppl who are saying that they are legit are part of the scam. And if they were legit, then with all that info that El Pistolero came up with, these ppl who he is talking about wouldn't feel the need to change the spellings of there names in any way, shape or form.

Lehne,

Many of the complainers on this forum have no idea it is a scam.  They have OPINIONS.  But nothing they have said proves that it is a scam.  You are one of the only one's who have ordered the orientation manual.  That wasn't stupid.  That was courageous.  Many other people who seem to "know" its a scam, DON'T KNOW, because they didn't get that far because they are either paranoid, cowardly, superstitious, disbelieving or ignorant.

So, here's my advice to you, since you already bought in, WORK IT.  Find out for all of us.  If it's a scam, you won't get your refund back anyway.  If it is ligit, you'll make money.

So, WORK IT, and let us know how it goes in a month or so from now.

I am not affiliated with GMI Enterprises except that I've recieved several calls and I'm like everyone else who is wondering if it's a credible income opportunity.

Here's my advice for everyone else.  Lay your OPINIONS aside.  They are worth nothing if not backed by knowledge.

I am on here because my neighbor asked me to go as partners in this deal. But I didn't say anything to him and said I would check it out with an open mind. Well when I checked it out I actually emailed the HUD website and they responded with " what this GMI is doing unfortunately is not illegal but they personally will not get involved with third party tracers." So if HUD themselves won't get involved than how the hell does anyone expect to get any money from this? I have emailed this Jeremy guy that was on the GMI website a few times now mentioning no names but explained how this made me feel about him scamming an old man and I said either refund the man or I was going to contact the Better Business Bureau. So he emails me back wanting me to give him this guys personal info. so he can refund him and do you think I even believed that crap after seeing on the internet soooo many people wanting their money back. Oh how I wish I could get it through peoples heads DO NOT FALL FOR THIS BS!!! I think it is terrible but if you get involved than just kiss your a** and your wallet goodbye.

I trying to reach Lehne ( wesenberg@grantsbergtelcom.net) about the the manual she order and is the job fro real.

I think all things are Good if you have faith in God and believe it will work all I have read on this page is pure negativeness, not one of you gave it at least a little hope, and besides if it is a scam then the unjust will suffer and the suffered will be blessed ten fold. I too feel i am scammed everyday by my government each and every day i get up for work, my kids are under educated, the food is overly priced, the gas is extremely high, and my president and government officals are ripping me a new one every day they take out taxes claiming they go here and there. Especially when i play lotto they claim a certain amount goes towards education B.S. So if it's not legit i'll get my $79.99 dollars back because after shipping and handling that's what it cost me. Sotry it if it doesn't work ask for a refund.

I have been working for some 24 months on-line providing Business Planning and Web Design. My background includes many years as a Business Consultant working across the states. I supposedly retired at age 75, and that was two years ago. Emotionally, I just cannot be retired.

When the call came, I was in a listening mood. Your phone was handed off to some three levels before I got someone to really talk. I paid the $69 fee, received your package today and here we are.

Well, I was a sucker, I guess...I ordered and paid $79 for the pkg back in November 2008, then paid for the software, another $70, which they claim stream-lines your work, and allows 24-7 access to HUD's database, "no more having to buy each state's list separately".  I have invested, stupidly, over $400 for postage, people-finders online membership, supplies like printer paper, printer ink, envelopes, etc. I even went so far as to get letterhead printed up so the letters I send out would look way more professional.  I have only received ONE response from all my time, effort, and costs, and this response was a person with the EXACT same name as the person I was trying to locate, also similar gov't loan experiences, etc.  Tracking people has taken all of my time, cost me way too much, and has left me feeling taken.  I really wanted this to work out, but am now feeling as though this whole thing is a scam.  I have sent an email to the company and am now awaiting a response.  any others out there?  i wanna know if ANYBODY at all has gone as far as I have to make this program work, and then if they were at all successful.  my email addy:  groovydee@live.com
Thanks for listening.....Denise

They said that they had an immediate openning for insurance refunder. The also requested a $69 fee for orientation. They said they are an independent company working with the u.s. treasury.

I will be calling GMI tomorrow to refund my money.

I just got this passage in the mail 4/4/09.  It gave this site for me to go to to get my questions answered, and I found out that they wanted me to know GMI is a scram.  Why don't someone put these people in jail?  they got $79 dollars from me.

A Link to this page was posted from another thread. They were talking about this number being operated out of a residence??????????? And then I just thought of something: What if these people are using voice changing software to sound like they have extra phone operators? I am an idiot. The only reason why I proceeded is because they said the thing was refundable.

~~~~~~ Best that my caller ID not be plugged in right now until I get electrical tape &/or a new plug for Caller ID. So just the phone part is working. That's why I Didn't put anything in Caller ID. I put in GMI Enterprises because I assume that is who called me, lol, but I don't know what the Caller ID would have said. ~~~~~~~~~

I also recieved the same type of call ya all are talking about.I filled out NO forms of any kind,I was not even hooked to the internet when they called me.I thought "great job", I have to have surgery and cannot work so I,also thought I could help my husband with the load.I paid the fee, then found out I had to also buy Smart Toolwhich I did, only to find out the support web they send you to,is nothing but pages of complaints about this company. GMI Enterprises. MY OPINION, THEY HAVE A LEGITEMAT,ILLEGAL, BUSINESS! They sell us this job,that is outdated,not used anymore,but legally,if you got the orientation pkg.,thats all they say they do!!So from what Ive worked out,it is a legal loophole.I actually got ripped for $170.00 because I was also told I had to buy the Smart Tools in order to get my govt. list for free.Anyone else told they had to buy SMT TLS?? I think I just got scammed and My bad cause at 50 I felt like I should have known better. That saying "Too good To be True" I should have listened to my gut,cause it was. Oh, the # from which they called me was the same as the customer service # and I even have the operator name and his #,but that wont help.I think we got scammed, if that ONE guy actually has a job,he might be working for them....

This company is not really a scam, but it is a bad company, the reason you have to pay for the list is deniability by GMI.You buy the homeowners information from a secondary party. You become the "scammer" to unknowing homeowners. The government DOES NOT pay you, basically YOU keep a homeowners government refund check, until the homeowner pays you money to give them their check. You become what Hud calls a TRACER!! This practice is legal, but not really ethical. Beware if you are a homeowner, to get your money from these people, you will have to sign a power of attorney.

Joe, you are naive and you are probably one of the owners of GMI.

I worked with one of the owners. S/he has no sense of integrity, has a degree in acting and is only interested in taking your money. Not opinion, personal experience.

Think through this. What makes more money for the owners of GMI? Taking your money for worthless lists, or working the program themselves? Selling you promises of the stay-at-home business, or working that "brilliant" idea themselves.

Nobody on this list writes in and says, "Wow, this is great."

It is both legit and a scam. It is a legitimate, legal business. But the service they sell is worthless.

I received a call from GMI and proceeded with ordering the info. Got the info and went to the website. I didn't like what I seen and was sceptical after reading the manual anyway, so I called and said I didn't want to do this and the lady said just mail the manual back and they will refund my money. We'll see! I can't believe I fell for this sort of thing again! Something must be done about this!

i sent 69$ in now i cant get no one on the phone or anything i need to know how can i get my refund back

I received a call from GMI Enterprises about 4 days ago.  I have not sent any money yet, I need to know if it is for real.  The number I was given to call them 503-946-5949, is legit for GMI.  I also want to know if anybody has done this work.  Please e-mail me at boyandgirlcats@yahoo.com

I have been working for some 24 months on-line providing Business Planning and Web Design. My background includes many years as a Business Consultant working across the states. I supposedly retired at age 75, and that was two years ago. Emotionally, I just cannot be retired.

When the call came, I was in a listening mood. Your phone was handed off to some three levels before I got someone to really talk. I paid the $69 fee, received your package today and here we are.

YEA, THEY CALLED ME TOO. THEY WANTED 69 DOLLARS FOR A MAILING LIST. THEY WERE OUT OF OREGON ALSO, YES THEY SAID THEY WORKED WITH HUD AND FHA LOANS. WHAT B...SH..  THEY ARE SCAMMERS. THEY WANT YOUR MONEY.  I DONT KNOW HOW THEY GOT MY NUMBER BUT I WISH THEY WOULD GET CAUGHT.  WHAT COMES AROUND GOES AROUND. I HOPE THEY GET THEIRS... I THOUGHT IT WAS TOO GOOD TO BE TRUE, GLAD I CHECKED INTO IT. THE NUMBER THEY CALLED ME FROM WAS 603-214-3632. BUT WHEN I ASKED FOR A CALL BACK NUMBER THEY GAVE ME 917-285-3130. DONT DO IT...YOU BE SORRY