I received a letter from UBI Payment Services, stating that I will receive $5, 000.00 if I return the release form and complete the contest requirments. This was back in late February and we're in the middle of April, and I still have not received my money! So, I did a search on the net to find the company to ask them what happened to my $5, 000.00! To my surprise I found that people have been scamed by this so called company! It was a real heart breaker because I've been suffering financially because of the recession the U.S.A. is experiencing, and the money would have come in handy. I personally would like to find accountant Joe Ryan if that really is his name? And sue him for fraud.