I JOINED A GROUP THAT WAS SUPPOSEDLY HANDLED BY PAY PAL, BUT TO MY CHAGRIN SOME CRETIN IN NIGERIA WAS SOMEONE ABLE TO BY-PASS PAY PAL, AND TOLD ME THAT MY MEMBERSHIP WAS SOMEHOW UNABLED TO BE USED, AND I NEEDED TO SIGN IN AGAIN WITH A NEW PASSWORD, THEY TOOK MY BANK ACCOUNT INFORMATION AGAIN, AND YET I WAS TOLD THE ATTEMPT FAILED, I RECEIVE MY SOCIAL SECURITY CHECK EVERY THIRD OF THE MONTH, BUT FOR FEBRUARY MY CHECK WAS NOT ONLY SENT TO NIGERIA, BUT A FEW DOLLARS LEFT IN MY ACCOUNT CAUSING AN OVERDRAFT! SO IF YOU APPLY FOR PREMIUM MEMBERSHIP, AND HAVE DONE SO IN THE PAST, AND YOU ARE TOLD THAT THEIR IS A PROBLEM WITH YOUR PAY PAL ACCOUNT, YOU