:huh:

Prosper was not mentioned in the article. As long as the mom stays current, it does not affect Prosper.

Be Prosperous
Ms. Ava

You don't think there will be a news article about this loan when the truth comes out?

Wow... great find/story. Every once in awhile a diamond in the rough shows up on these forums-- apart from the pointless votes and lynchings :).

Wish I was around when the first loan was going down so I could understand it all more.

Keep this borrower in mind when you decide to let someone you do not personally know into your group.

Let's keep all that other BS out of this thread, please-- if there's an civility on this place.

Just think, if prosper gave us the loan applicants real names we could sniff out the frauds with laser pin point accuracy.

alan, what did you find out about jessm, (or as we know now jessica michelle wilcott) that proved her to be a fraud - and in which thread did alan take a lot of sh** for exposing it - i also wish i was here when this loan originated - i also wish that i had $50 on it so that i can justify my following it so closely now :)

The court has her on a very short leash, including a curfew.

I imagine that if she was involved in a fraudulent loan in her mom's name on Prosper, even if the payments are current, and Pretrial Services found out, she would be back in front of the judge real fast.

It's not just in that thread that Alan was taking abuse back then. You would have to understand the context of alot of threads from that era.

Some of it was deserved, some not!

Prosper gives this information to group leaders. How/whether the group leaders use it is another question.

incredible... :o

Her photos were being used on another website, with a different name and location.

That, and the obvious lies in her listings.

We use it if we vet the loan. Also on initial phone calls.

Be Prosperous
Ms. Ava

nichols, new york only has a population of 574 people, 298 of which are female - it would certainly be a strong coincidence if this was another jessm, having nothing to do with the blackmailer from the smoking gun

http://72.14.209.104/search?q=cache:lioyXT...us&ct=clnk&cd=1

Gone

Well, it's also clear that the person who claims to be Jess's mom (debbieS), is also lying.

A few months ago, DebbieS said that Jessica was in Australia on a photo shoot.

According to the US Attorney, Jessica has never had a passport.

alan, you should be a pi

I actually bid on Deb's 2nd listing that didn't fund. It was one of my first bids. I didn't bid on the last one because I was out of money by the time it came back. I was so clueless (I'm only slightly better now :lol: ). I really lucked out on my early bids.

But....but....but.....Prosper_Andrew told us there was no fraud involved in these loans.

I hope Prosper jumps on the bandwagon and give this girl some serious time. Prosper is in California and she is in NY, there has to be some kind of federal regulation for fraudulently getting money across state lines.

Be Prosperous
Ms. Ava

Yes, I can confirm without a doubt, JessM is Jessica Wolcott. I have her info available if Prosper wants it as she gave it freely to me. Her email address was basically her full name at a popular provider.

-Jeff

evidently andrew has to brush up on his fraud detection skills.

Yup. It's not blurred out on the US Court website. It's an AOL address.

Strangely, her phone number brings back Google matches for Viagra ads. Wonder what that's about?


Here's a post from her mom a while back:

http://forums.prosper.com/index.php?showto...150&#entry25501

This forum discussion on myself and my daughter has been brought to my attention today and I have taken every effort to straighten everything out. I believe these "rumours" are stemming primarily from several members that contacted Jessica previously when she had listed. These members asked for explicit photos, dates, meetings in person, and other inappropriate requests in exchange for bids or lending money to her privately. Jessica has no interest in this and reported each and every member accordingly. She previously belonged to a group which I just called her to ask about and she said she believes the leaders screen name was RWM364 or something close to it. If you can find him she told me this group leader checked into this claim. She also stated that this leader had received her personal information. She sent him bank statements and checks verifying her account and how much savings she has. If you are reading, I apologize for dragging you into this.

I myself received 2 phone calls to my house from 2 different men stating they were part of the Prosper community. We have yet to find how they got my phone number and I did not give them hers. I reported their number to the police immediately and I will do the same if given the same circumstances.

Second in response to the member who stated something about Jessica's family being passed away. I am actually her adopted mother however I have been with her since she was born, named and raised her. Her father and I seperated when she was 3. I remarried and we raised her while she still spent time with her father and her real mother, she's always known she was adopted. Her father passed away in `99 after a 10 year battle with Multiple Sclerosis, her mother and all of her grandparents including those on my side have passed away. When she started her listing she said the site would only let her write so much so she tried to write the important parts. I find it almost noones business on this site.

I read something about her lawsuit and my own, someone is really reaching here. Jessica has sent me the following to address hers in a little email.

"Go to the NHTSA web site or the ODHA. Look up the complaints section and a complaint on 2002 Ford Focus ZX3 complaint dated June 2003 on the stalling of the car. That's my complaint from 3 years ago. Right after my accident the NHTSA issued an engineering defect on the car and then made them recall the cars. When they shut down you lose your power steering and your brakes, when I hit a wall the airbags didnt' come out because the car was off, i was doing 65. Instead of assuming something look it up since everyone seems to be a private investigator here."

As for my case it was simple, I fell into a hole left unmarked and sprained my ankle and broke my toe. We had a deposition, they lost and have to pay for the medical expenses, I did not sue for more than that. I didn't spill hot coffee onto my lap and cry wolf and neither did she.

Oh, I almost forgot about the Pennsylvania to New York question, one of the only concerns that seem legitimate. She has an apartment in Pennsylvania (Pittsburgh) and one around me in NY. Both have been verified by prosper. She spends her time almost half and half. She is a big steelers football fan so shes there more in football season. Her job, modeling, and a business she recently started allows her this freedom. Shes had her address in Pennsylvania more than 2 years and her address here for 5. This has been verified by Prosper. I have lived in my home 8 years and our previous home for 15.

This is one of the most ridiculous arguments but Upstate, NY is indeed anything North of the city. Educate yourself before making a random assumption.

I am ashamed at everyone here who did not contact me directly. My daughter has not been contacted either, she is still an active participant in prosper but she is just lending now. If it werent for a lovely member kind enough to point these allegations out to me and give me directions on how to get to the forum I would have had no idea. I have a daughter in 8th grade, and it seems that is how many people are acting. I am open to emails and I enjoy them. I have been learning quickly on how to send them and making a few friends on here as well.

Shame on you all

As for anyone in here who stated a racist remark, I will be talking to Prosper and having charges brought on whomever neccessary. Would you accuse an African American who has lighter skin of being another race simply because he or she's skin color is perhaps lighter than anothers? Would you use a deragatory term towards them? I would not think so! I pray you do not have ignorant children such as yourself.

For your information she is part Iroquios and Siksikan.

All available information should be sent to Prosper and to NY state's attorney.

I'm only giving it if Prosper is taking it. I have a handful of other "questionable" people I'd like further investigations into beyond JessM before I hand over squat! Cooperation doesn't seem to be Prosper's strong suite these days. :angry:

-Jeff

Edit- By the way, I DID tell you all to AVOID her like the plague when she was whining about being kicked from our group (JessM). Perhaps I'm not a dumb GL afterall. :rolleyes:

Hot damn.....



:o

the bottom line is, that her mother debbies will probably keep it current, by the fact that she changed her profile stating that her daughter's name is kay, (a shortened version of the 16 letter native american name) she is trying to distance herself from jessica michelle wilcott, and in fact her mother was correct, when she stated in her listing: "You?ll also be making a good amount of interest on a completely secure loan with AA credit (it?s the same interest rate she was willing to pay if she were financed) and helping the Prosper community grow as I lend to other HR credit ratings. "

- i cant think of anything illegal that jessica michelle wilcott actually succeeded in doing on prosper - the loan was in her mother's name - and her mother is free to do with the money whatever she wants including give it to her daughter that blackmails wealthy men

Tend to agree... You all fell right into Shelob's web.

You are assuming that the mom even knows that this loan exists.

Do you really think it's beyond Jessica's abilities to pull off an ID theft?


I'll bet anyone here that we will soon discover that DebbieS is really Jessica.

i was actually thinking that - but given the info we have now, nothing illegal was perpetrated by jessica michelle wilcott to the prosper lenders, unless debbies is jessica

but why would the loan be made current?

if jessica really did commit id theft, why not simply take the prosper money and run?

thats the part that does not make sense.

however, if in fact the mother did need the money in a hurry (perhaps to pay off legal bills) - that would be more plausible, IMO.

According to the court records, Jessica was evicted from her apartment in Pennsylvania in April, 2006.

Doesn't sound like someone who has a wealthy mom, or $24,000 cash in the bank.

So, if I see this on a current listing:

Listing Not Available
This listing (#******) has been removed by Prosper or is no longer available to the public.

If the listing was removed by Prosper, please consider the listing invalid: any bids placed have been cancelled and funds have been returned to winning lenders. If anybody contacts you to participate in the loan, please ignore the request. Completing a loan outside of Prosper may be unsafe.

If you are the borrower or a lender on this listing, please sign in to view this listing. Listings that ended more than 365 days ago are no longer available to be viewed by non-participants.

? Browse active listings

does it mean it is a fraud as well?

I'll take that bet. I think it's possible that her mom blindly believed all the glamorous stories her daughter told her, took out the loan for her, has posted her bail, and probably still believes that Jess is an innocent victim of a terrible, adulterous man who preyed on an innocent girl. Never underestimate the power of denial.

Maybe because she's aware of what will happen if the court finds out?

Make no mistake: if Jessica is DebbieS, and the court finds out, she's looking at more time.

not necessarily, just that the paperwork didnt check out - it could be the person couldnt provide a pay stub or electric bill - better safe than sorry - but it is not definitely fraud - usually if someone intends to defraud they fget all of the paperwork in advance otherwise they will not get anywhere

No, that could just mean the Group Leader (GL) hasn't approved it yet. EDIT: Or what MSP said, above, regarding paperwork.

:o

This is the loan that invoked the famous statement from Prosper Andrew
http://forums.prosper.com/index.php?showto...indpost&p=24398

It turns out that there was a lot fraudulent going on.

Here's a question that we should discuss: Why the hell didn't Prosper sue?

maybe jess was blackmailing Prosper CEOs?

Maybe that's why she was in California - for a private Prosper M&G :lol:

I'm stunned. Just stunned.

Aren't there any honest young girls out there who will have affairs with
wealthy married men any more. What's the world coming to?

Midas

good call alan - that is probably the facts - she used mom's id without her permission then debbies realizes what happened, but decided to keep this between herself and her daughter and had no reason to involve the police which would end up digging her daughter into much deeper trouble - and the mom is paying it for this reason

- and the fact that she was evicted is obvious that both she and the mother are not rich at all, but the bottom line is, that you people on the loan lucked out that this whole thing happened with the ceo exposing jessica - and as a result now the mother is protecting the daughter's identity theft by keeping the loan current

- what was the history of the loan - i recall it being the famous aa loan that was 3 months late, can someone confirm that for me?

:D

I don't even have popcorn. This is just incredible! :o

I have set up a stark reminder to my group members as to why we ask the questions we ask over at the group website (picture included from her FF #3 edition)... JessM's example shouldn't be all negative at this point since we can't do anything about it. The resolution and action lies squarely on Prosper's shoulders. Lenders and GL's should learn from this ordeal that questioning people to the fullest is in everyone's best interest. Get to KNOW your people and they will love you for your efforts even if it's a little uncomfortable for them at times!

-Jeff

i wish i could be here the whole night - this sure as hell beats any other entertainment- but i gotta go - have a good night everyone - and i cant wait to check back here in the morning

PProanalyst and now this. How many other listings by scammers are we going to see here??

This post has been edited by Deb on Nov-27-2006 06:14 PM

theres denial and then there is GULLIBLE

:blink:

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