Scam Letter(s) from Maria Alekseevna Semenova to Jeffrey (Netherlands)

Letter 1

Hi...I'm a girl from Russia who is looking for a man for serious relations! For me the most important thing in life is family. I really want children.

Letter 2

Well, here is my email, I'll wait for your letter! maria.semmm@gmail.com

Letter 3

Hi Jeffrey) About myself I can say that I am already 25 years old and I'm single. I live alone. After high school I went to Saratov to study at University. I was born in the city of Syktyvkar, is in the North of our country. In this city there were my mother and older brother. My mother 46 years old, she works in a toy store. I love her very much! My father left my mother when I was very little, so I don't even remember. From that moment we never saw. Mom [does not] love to talk about it, so I know almost nothing. I work the teacher of initial classes at school. I love children, that I got from my mom. After finishing school I did not even think who do I go to learn. I love my job, but unfortunately in our country don't appreciate the work of teachers...
Masha

Letter 4

Hi Jeffrey!
In Saratov, where I now live, I have no one except one friend. But we didn't often get to see... So here I am also very lonely. . . .
Today I spent the whole day at school. Today I had a lot and I'm very tired. My children wrote a very important test, and today until late in the evening I checked their work. I'm lucky my class is very good, all the guys are very smart and with control work handled everything! I am very glad, because it is an indicator and my work. I love them very much, but like any girl, I very much want to teach their kids... For you I found a photo from my work. On the left is my friend Anya) I'll wait for your letter!
Masha

Letter 5

Teachers in our country are paying quite a penny, and the work and responsibility equally. Today I was talking to my mom, she told me that they have a brother and all is well. Brother was finally able to find a job. He had big problems with this because now in our country large cuts and find the work very hard. I'm very happy for them. With my mother I saw last time came to her on New Year’s Day. . . .
Masha

Letter 6

My older brother unfortunately not yet married, but he has a girlfriend. Now he works as a foreman at the plant, the salary there certainly not the biggest, but he's stable. . . . My birthday is April 11. On a horoscope I Aries) by the Way 1st of September and I also have a holiday. I work as a teacher and on 1 September in our country is celebrated Day of knowledge:) . . .
Masha

Letter 7

Today I had a really bad day! Just a nightmare! In the morning everything went wrong. Last night I slept late and for the first time in my life slept through an alarm clock! I got up much later than I wanted, and was late to work... It's so awful! I was ashamed of myself before the other teachers, the principal, and of course children! I've never been and I hope will be no more. But my troubles did not end! I spent three lessons, and during the break decided to go to the dining room because at home I do not have time for Breakfast. In children it was recess and as usual they were running around the school. And when I came down the stairs one boy ran to meet me and hit me! I can barely stand on my feet to keep from falling, but the worst thing in this whole situation, the fact that at this time in my hand was my phone, which I dropped! It crashed!! I was very angry!!! This phone I bought a year ago for very big money!! I've been wanting this a long time and saving up! I was very upset! And this boy just ran away and I didn't even get to see who it was, because at that point the stairs had many students. My mood is finally gone! All day I was very upset, and the only thing that could slightly make me feel better it's your letter... But even now I still very sad...
I love children. And now I also work with children, I have extensive experience and education teacher!... I am very lonely, because at the moment I didn't realize it can support. The only thing that endures with me is my cat... I told you that I have a cat? I really love Pets. My Jessy (the name of my cat) is 2 years old. We live together, and I think she always understands me and when I feel bad she is going through with me...
Masha

Letter 8

To be honest I'm still upset about my phone.. But now nothing can be changed. And unfortunately now I have no money to buy a new one. I am very disappointed. But what's done is done. Still it seems to me it is not worth much to worry, because the phone is just the thing. Unfortunately it is now not even turn on....
And still whatever happens I love my job. It's all because I love children, I like the process. I give them the most basic and necessary information, in different disciplines, and the process, tell them to answer their questions, to explain, to repeat several times, I love it all.
Today I conducted an open lesson! To our school was visited by the Commission with verification from the Ministry of education in our city. And they were at my lesson. I [was] very much ready for this lesson and was extremely nervous. But my kids did not let me down, and at the end of the lesson everyone was happy. I'm so glad! High school in which I work, is considered one of the best in our city. We used almost all of the modern equipment. We have projectors, interactive whiteboards, computers. It is very convenient. Because now the current generation of children already from childhood use computers, and therefore they are accustomed to when I explain new topics with presentations. I also try to keep up with the times. I think it is much effective...
Yes I have the international passport. I made it last summer when my friend was going to go for a vacation, but unfortunately we never went...
I'm sending you photos from today's lesson... !
Masha

Letter 9

I teach in the 3rd grade, my children, on average, 8-9 years. After school today I was called into his office the Director of our school. I didn't know what he wants to talk to me first and a little scared. But all turned out well, yesterday the Commission of the Ministry of Education was very pleased with my lesson and our Director called today to thank me. I was very happy, for me is really very important that my efforts are appreciated by someone else. Then he began to ask me how I was doing, are there any complaints or wishes, but I said that I was happy with everything. In the end he told me that I still have never took a holiday and asked me if I wanted to relax a bit. He asked me if I wanted to take a vacation and I got to thinking. . . . I need to buy a new phone, and I don't know whether there will be money from me...
Masha

Letter 10

Next I'm doing lessons with my kids, it usually lasts until 13:00 or 14:00 depending on schedule. After that, the children go home, and I remain to prepare curricula, manuals, materials, plan lessons and check the work of [my] students. Actually it takes a lot of time and effort. The earliest I can leave work at 17:00, but if I didn't have time to do something I stay, and sometimes I can be at work until 20:00. After the end of my work day, I go home, I usually do it on foot. I love to walk. The road home takes about 30 minutes. When I come home, I naturally change my clothes, go shower, and go immediately to the computer to check a letter from you!

Letter 11

As for accounts, I have long thought about doing this, I heard that this is a very convenient way to store money. So I decided tomorrow after work (on Saturdays I only work until lunch time, so I have more time) to go and open a Bank account.. In our country it is more expensive than 5 euros, but I decided to still spend the money and make the account.

Letter 12

I can give you all the data I got from the Bank. I was told that they are sufficient for its usage: Alfa-Bank Russia, Moscow, 107078 Mariia Semenova Swift: ALFARUMM Currency: EUR Account number: 40817978410060000365 The Bank explained to me that the money in the account is first sent to Moscow, to the main office of the Bank, and then they were going on my account. And I was told that the data I gave you enough to use the account...
Masha

Letter 13

I just realized that I wrote the name "Rita" in my last letter. And I understand what you felt in that moment, when I saw this. It's my fault. My friend sat in my apartment at the time and she was hysterical. She very much had a fight with her boyfriend. I wrote to you about what they're supposed to be a wedding. But yesterday they really had a big fight and she drank a lot of alcohol and was behaving totally inappropriately. I spent the entire night comforting her. I asked her to calm down and go to sleep. I am very much mentally tired because of all this. I'm sorry that my best friend here so suddenly there are such huge problems in their personal lives. I saw with my eyes that everything was perfect! They are perfect for each other! And now unknown what happens. But Rita now needs my support more than ever. And I didn't even notice that yesterday wrote the name of my friend at the end of the letter. I didn't want you to worry. I believe with all my heart that all will be well. And you and I, and Rita

Letter 14

Now I'm at work. I spent all the lessons, and I have a little break. I went into the dining room and now I have used a work computer to check mail from you. Unfortunately now I have no opportunity to write to you the big letter because I have very little time. If someone sees that I use a work computer for personal use, I get a very severe reprimand. Regarding Alfa Bank, I don't know nothing about, because I never used the account. I'm sure you know it much better than I do. When I'm home, I'll send you the document I was given in the Bank so you can see all the information that I have. I understand how you felt unpleasant in the moment when you saw another name in the letter. But that day was really a terrible situation. Imagine what a few weeks before the wedding, Rita learns that her boyfriend cheated on her with another girl!! Imagine what it was hysterical! I spent the entire night trying to calm her down, but I did not succeed... It was just awful! She still bad.... Every day I try to support her, and she supported me, because I had a strong depression. . .
Masha!

Letter 15

Hello my beloved Jeffrey! Today was just a crazy day! There's been a lot of work! . . . with regard to the account I found for you the information you asked for. My address: Saratov, Zheleznodorozhnaya street 96. As you know now I have no phone, so when I opened the account I told the Bank Manager that my phone is temporarily broken and now I have no phone. It turned out that it is not required to open the account and that it's just a formality. But I think you can in this field to specify the telephone number of the Bank and would not be terrible. Address Alfa Bank in Moscow, Kalanchevskaya street, 27. Correspondent bank address I could find on the Internet. This information is not indicated on my paperwork. I could only find his website www.commerzbank.com and postal code: 60261. To open an account I paid 1200 rubles.

Letter 16

Hello my beloved Jeffrey! ... my apartment number 18. But I don't know what it matters. I do not understand why the Bank need the phone number. It's just a formality. I don't have the right to leave work of the school room for personal purposes. It is written in the Charter school. As for the room my mom, you know that she lives in another city far from me. And I'm sure my mom will not agree so I left her room. You can specify this number: 89295025986 . Is the phone number of my friend Rita. I think you can use and there will be no problems. You asked for my postal code 410012. I think now you have all the information.

Letter 17

Hello my beloved Jeffrey! ... as for accounts, I don't know what kind of a communication problem. Rita now enjoys the room that I pointed out. Maybe when you called her she ran out of money on account or [phone] was just off. I don't know what the problem is. I don't understand what the problem is for the Bank, even if the number is temporarily unavailable. I asked my colleagues and friends and they all say that the phone cannot play any value. They are also faced with Bank transfers, and there was never such that the phone number was mandatory. And the more the Bank call the phone number. You asked the Bank to call this number? If I knew the exact time when they will call her, I could warn her that this time she waited for the call. You can tell the exact time? And still I can't understand what the problem is for the Bank so my friend answered the phone. This is absurd. Because she may at any time be discharged or the phone may run out of money on her account. I don't know what to do in such a situation. But this number is precisely correct

Letter 18

Hello my beloved Jeffrey! ... you wrote the wrong number Rita. Here is the correct number: +79295025986. At us in Russia +7 to replace 8. I forgot what to call you must enter +7. today I'll tell her tomorrow that she had not turned off the phone and waited for your call. But I'm not sure that it will be able to you or a Bank employee okay to speak, because she's not very well know English. But I hope that this will not prevent your Bank...

Letter 19

Hello my beloved Jeffrey! ... for the Bank, I don't know what time they called Rita, but now her phone works and she's okay. I don't know whose number I can specify. I already asked you to tell me what time they will call so I could to warn her. Now they can try to call again...
yours Masha!

Letter 20

Hello my beloved Jeffrey! When I received your congratulations on my eyes flowed tears! I was very pleased! Thank you for your congratulations and for the fact that you didn't forget my birthday! I am very pleased! My love, what gift did you say? I don't quite understand.
Besides Rita, his mother and brother and work colleagues me no one congratulated. And to celebrate the birthday I'm not going. I just don't have anyone. And now I don't have much money to celebrate a birthday. Maybe tonight after work we sit with Rita in the cafe and drink a little bit wine. That's the whole holiday. And festive mood to be honest I was too. It's very sad... .
Thanks again for the song and greetings,
yours Masha!

Letter 21

Hello my beloved Jeffrey! Thank you for your flowers! It's just incredible!!!! I love it!!! Thank you! This is a real surprise!!! Thank you!!
Thanks to you I felt the holiday spirit!! I now want to hug you and to kiss! My dear this matter up with the Bank to be honest I really don't like... . phone Rita on all the time. And she hasn't received any calls. I don't understand what the problem is.
My dear, first tell me what you want to do, and then we decide how to do it!
My dear, now I have the end of a workday! After work, I want to go to the gym. In the evening I will write you, again thank you for your bouquet!!!
Kiss You,
Masha!

Letter 22

Hello my beloved Jeffrey! I am glad to receive your congratulations! ... Yesterday I talked to my mom, to congratulate each other. We talked about many things. And she said that she started having some problems with her business. She didn't want to say it, but I felt that she's hiding something, and yet elicited from her. I think I said that she's got a shop with children's toys. She does not say what exactly happened, and says that can handle it, but I'm still very worried now.

Letter 23

Hello my beloved Jeffrey! ... As for her store, it's just a small Department in the Mall. I don't know how to say it in English, but I hope you can understand me. It does not say what kind of her difficulties and problems, but I was talking to my brother and he said it was really something serious. And now this is bothering me. I am very worried. Unfortunately I bought the phone not in the official Apple store (I don't know whether they do in my city) and in the usual shop of cellular communication. I had a warranty card, but he was only 6 months and this period has long expired:(

Letter 24

Hi Jeffrey! Are you all right? I'm starting to worry... I didn't get a mail from you for two days. I'm worried about you, please let me know you're ok. Masha

Letter 25

Hello my beloved Jeffrey! ... I had a really bad day and night and now just a terrible mood. Tonight when I came home from work and was in the shower I came the employees of the bailiff service. I was very scared! They came and started to say that I have a debt to them! At first I could not understand because I have never had any problems. Then they explained to me that I have several times delayed the payment. After that I understood what they were saying. A few years ago my mother decided to buy the land under the garden and a small house. She decided to take the credit, but since officially I was employed and had a stable salary so the loan I took. But she has paid all the contributions. I tried to explain this to the bailiffs, but they said that responsibility for this lies with me. And by and large they are right. They showed me a court order which says that I must pay the full amount of the debt. After that, I immediately talked to my mom. Asked her why it happened, and why she didn't tell me and thus put me in a very awkward position and roughly screwed! She said she didn't want to upset me and thought that I'd be able to cope with all the difficulties. She said she already put up for sale a plot of land... But she says that nobody wants to buy it because it is a loan and, by law, can be arrested of the Bank. Now I don't know what to do, mom said that now she thinks that in order to sell their store because now they're doing badly and the profits he's almost never brings, barely enough for food... I was very scared for the future of my mom... Even if she will manage to sell everything what would she do after that and how she is going to make Me... very scary... Also I'm not sure what happens to sell all of this for 10 days... I was told that if I don't pay they will describe my property debt and I will issue a fine. This is a huge problem...
Now I can't sleep... All these thoughts haunt me... I'm really scared ...

Letter 26

Hi Jeffrey. The situation is really quite terrible. Mom used to have business at the store were good enough and she paid each installment. But then things began to deteriorate dramatically and things went awry. She thought to cope with all the problems and the situation will improve. But apparently nothing happened. As I said, the police officers, they repeatedly sent me letters, but since I live in a rented apartment these letters to me did not reach. So this whole situation got this sequel. Today I talked with one lawyer in our town, but he said that in this situation to act against the Bank or police officers almost no chance for this thing and hardly anyone will, because by and large the Bank's rights in this situation and the courts are usually in similar businesses are on the side of the Bank. All this for the reason that overdue payments and quite a large amount of debt. The amount of debt is 127.000 rubles. Yes, I was talking to my brother earlier, but he's usually not interested in this land, he knew that mom's got bad things in store, and tried to help her. I tried to contact the Bank, but they do not care about any circumstances. They all respond like robots and their only goal is to return the money ... Now I don't know what to do. Gone already day, and the situation has not changed. I haven't asked mom, how's the sale of land. But now I'm starting to worry much. The lawyer said that in order to avoid any problem there is only one option - to pay the debt, because the Bank's rights in any way...

Letter 27

Hi Jeffrey... . This situation just kills me inside. Yeah I'll scan you the letter that I was handed when I'm at work tomorrow. Now I don't want to think about it. It is hard for me. My mom already tried to borrow money from relatives and now she was able to collect only 25,000 rubles. From the money which you sent me I have also remained 18.000 rubles. The rest I have paid for the visa and I took a little bit for personal needs. But it is only 127 thousand how much the mother has delayed to pay. The loan amount that is still left to pay more. I completely don't know what to do. I'm terribly bad... Difficult to fall asleep with these thoughts, it is difficult wake up with them to work. It's just a nightmare...

Letter 28

Hi Jeffrey... . I'm confused in this whole situation and about what I do now and where to get the money. Land now not under arrest. It can be seized and sold by the Bank at a low price if we do not repay the debt. Now we need to pay the amount owed. So I understand the whole situation. If we do not, then the court will pass the decision on arrest of the plot...

Letter 29

Hello my dear Jeffrey!
... Thanks for your advice about the refinance loan. Yes, I tried to find out about it two days ago. But, unfortunately, as it turned out it is not so simple. The Bank's decision on this issue depends on many factors, and one of the key ones are the credit history of the person (that is, it should not be a debts on loans), also of considerable age, place of work, wages. And the Bank employees gave me to understand, the Bank won't accept it in my case. So I don't know what to do. Just in case of nonpayment of debt, the Bank will usurp our land to repay debt, and it is much more expensive than the amount of debt. And get that we lost a huge amount of money. But the Bank's not interested, unfortunately. They're just making it much cheaper than it really is. Fortunately for the plot we have no home, it's just land. If we were able now to pay the full amount of the debt, the land would remain in our property and we could sell it much more expensive.
So here we had a situation. My brother is also now not [in] an easy situation financially, and he already gave mom all the money he could find. He, too, have all much because of this situation where he is not only trying to find the money, besides he now has enough problems in his personal life and in financial terms including. As with all of our family now.
Yes I spoke with the Director, he realized the situation and said that it should not affect my work. I sincerely hope so and that the Bank will not make it to school...

Letter 30

Hello my beloved Jeffrey
... I understand that payment of the debt now will not save the situation, because the mother in addition to this plot is even [with] problems with the store. But if we could pay this debt and leave the land in our ownership, we would have had the chance to sell within a month of his own, at the market price and then we would be able to pay off the debt completely, and also to save a part of the amount which will remain. It would be much better. Besides if the parcel will be arrested and I do not pay the debt, then I [want] to avoid problems in my future. So I don't know what to do. I'm really embarrassed now to ask your help, because you so very much help me...

Letter 31

Hi Jeffrey! ... I already said that I am very ashamed and embarrassed that you help my family, but as we can see, now we don't have any other option... In fact this is very wrong, you shouldn't do it, because you had nothing to do with this land, you have not pushed my mom on this decision, she took it herself and probably do not calculate their capabilities, so you don't have to help. But she's still my mom and I love her very much and can't leave in trouble, but my ability is not enough. Tomorrow I will discuss your offer with the Bank and with her. My mother is also very proud and independent woman. Much more than, because all my life she has always handled herself. She raised my brother and I did everything we weren't hungry or without clothes. Gave us education. And all this she did alone. And still she was alone. But now she is simply no other way. So she will most likely agree, especially since it still concerns me, because technically I am a debtor ...

Letter 32

Hello my dear Jeffrey, ... Today I spoke with a representative of the Bank. It was just a terrible conversation. I was very uncomfortable talking to him, but still, this conversation took place. I said that now I'm ready to pay the debt plus the immediately following two to pay the monthly payment. I received a reply that everything is fine, go first to the teller and the cashier. I began to explain that the debt will pay not me and my friend, because now I have no such opportunity. I told them that my friend lives in Amsterdam and that he wants to send money from your account non-cash payment. What the Bank employee told me that it's impossible. His answer was too judgmental and rude. I asked him what's the problem, he began to explain to them that firstly, the money will come not from Russia but from other countries. They can't take that risk, because they have no confidence that this is not any fraud. I explained the whole situation, that's my good old PAL that I've known him for many years, and that if necessary they can call your Bank. But he said that they are not interested, and that if I wanted to pay the debt, I have to do it according to the usual rules. I have not sustained nerves and I started to raise my voice at him, but the only thing that he said you could get the money and make a payment, if you have no other options. After that, he just turned and walked away. I was very ashamed. At me all looked upon as abnormal. It's just awful. I only have two days left.
After I came out, I was thinking how rotten people work in banks. They absolutely don't care what happens in people, they are never ready to meet, to go into the situation, to understand the situation. They just want the money and all. It is very sad that for money people become so vile...

Letter 33

Jeffrey, you just can't even imagine how exhausting this whole situation. How much effort and nerves it takes me. I have a week before bedtime drink a sedative medicine... In the Bank I spoke with one of the managers. Several employees of the Bank at this point were sitting in our office. The amount of debt is 126.743 rubles. Monthly payment is 38.940 rubles. Paying in cash is possible, but against the Bank that the payment was made from another country and not me. They're worried that it might be fraudulent activity. And as I understand they have the right to deny me my offer. So I think it is useless to sue the Bank for it to be determined the method of payment. Now a lot of different forms of fraud in the banking environment and I think the court will be on the side of the Bank. Again, if you consider that I'm just a simple teacher and the debtor on the loan, I will hardly have a chance. As I said I discussed this with one of the lawyers and he also told me that the lawyers for such cases is taken reluctantly, because I have much payment is delayed, without any notice or reason to it....
I'm really sick of all this red tape... I just Have headache from all this... what if I try to explain to the Bank that my friend send the money to my account and it can stay there for 2-3 days, but after that, I'll pay immediately? Maybe they will agree to this, demanding from me any receipt? Jeffrey, you have no idea how tired I am from all this.... I forgot to tell you about our conversation with mom. Yes, I managed to talk to her. I told her that I told you about this whole situation and you have offered their help. I won't tell you our whole conversation, but she was in shock. She didn't believe that you're up for it... But she said if you really could help, she said she will return you the money after the sale of the plot of the entire amount with some percent. She was just so in awe of you! About how you care about me and about our family! It is difficult to tell you now all her emotions, because her life has never been such a man as you. Which would at least even just to maintain, I'm not talking about aid. For her it's just hard to imagine...

Letter 34

Hello my beloved Jeffrey!
... Now I just got back home from work! I was just in shock! I can't believe!!
I don't even know how am I gonna tell my mom! I went to work just a terrible mood. But now everything has changed! Now the most important thing to do the right thing. I think tomorrow morning to go to a lawyer and discuss with him how now to do so, the Bank did not arrest our area. I'll discuss it with him and I hope he will say what should you do with the Bank. I may be able to negotiate with him about the fact that he together with me went to the Bank and we would be able to agree on everything.
Tomorrow I'll be able to get off work... . I will take into account that you will need to obtain from the Bank written confirmation that they are ready to wait another two days. That's why I want to take with a lawyer... As soon as we can sell our plot, I will immediately refund you all the money! I'm eternally grateful!

Letter 35

Hello my dear Jeffrey! Today was a hard day. In the morning I called several lawyers and was able to find one who agreed to help me in my problem. But he said that he would be able to appoint me to a meeting at 2pm.
Eventually we met and I explained to him all my problem. Also said that I have already in the next few days there will be money to pay the Bank. He said that in this situation all depends on the Bank. And as if he did not try, if a Bank wants, he can seize the plot of land. As the deadline payments. I asked if he could come with me to the Bank and try to settle the whole situation. I told him that I'm ready to pay. In the end, we went together to the Bank. There was a very long conversation with one of the senior managers. I was glad that this time was another Manager and not the one I talked to last time. We explained the whole situation, and I tried to prove to them that in the next few days I will have the necessary amount. I did not show them the correspondence with you, although the lawyer said that even if they know that I have an account at another Bank they can't do anything. But he also told me in advance that [even] with your correspondence will not be any formal confirmation. Nevertheless, my lawyer was able to negotiate with them about the fact that the Bank gave me an extension to 5 working days. I don't quite understand how he could achieve it, but he several times referred to some law, which is unknown to me. They made a written agreement signed by me and the Bank employee, and this agreement was witnessed by my lawyer.
So I hope now all will end well. With a lawyer, we signed a contract and I gave him 5,000 rubles, and after I pay the Bank and the Bank will take [my] claim out of court I will have to pay the same amount ...

Letter 36

Hello my beloved Jeffrey! ... I checked my account after work. And the money has come! Unfortunately it was evening and I decided to do it tomorrow. Tomorrow I want again to call [my] lawyer and work with him to go to the Bank. Initially we never talked about this before, but today I thought about it and decided that it needs to control the entire process, because I cannot even notice if a Bank wants to cheat me. And he will be able to make sure that everything went well and mom's plot is not in danger. In the morning I will contact him and try to negotiate about it.
I can't believe tomorrow is finally the nightmare will end and everything will fall into place as before. I can go to sleep and Wake up, to enjoy life and the fact that I have you! I have still not told my mom about what I already have money to pay her debt. If I succeed I will try to please its tomorrow! I already imagine how much she will have emotions about this! My dear, I'm eternally grateful for your help, for your support, for everything you've done for me! I do not tire of repeating how glad I am that I have you...

Letter 37

Hello my beloved Jeffrey! ... Yesterday I tried to negotiate with his lawyer. But unfortunately he was very busy and said that he will go with me on Monday. So I decided to transfer payment on Monday, since the time I have. But if a lawyer will go with me, I would feel comfortable...

Letter 38

Hello my beloved Jeffrey! ... Big day tomorrow and I need to sleep and gain strength. Tomorrow I'll be out from morning until 15 o'clock in the afternoon at work. And after that I can go to the Bank with my Bank. First, I have to go to the Bank and take the money which I returned to the Bank.
In General tomorrow I have work to do and I really hope that all will go well! To be honest I feel a little bit what that jitters and excitement before tomorrow to go to the Bank. That's why I really want to with me went lawyer...

Letter 39

Hi Jeffrey! Today happened the worst thing that could happen in my life!! I have never had such! I just don't understand how this could happen. Today after work I went to the Bank to withdraw your money from the account. Everything went well, I got contacted by a lawyer and agreed to meet him to go to the Bank. After that I went to where we agreed and in one of the courtyards, I ran up to two guys, one first grabbed me, the other one snatched my bag, which I was!! Then they immediately ran away!!!! They ran away in different directions and so fast that I don't even have time to react! A few more minutes I was just in shock and couldn't understand what happened!! It's just a nightmare!! I immediately called the police!! I explained everything that happened they made a Protocol and some of them immediately went in search of these bandits, and I was taken to the police station. Only on the way to the police, I began to realize everything that happens... . I'm so ashamed of you! I now realize how much I failed you, I failed my mother! I'm terribly bad... I am ashamed... the police told me that if I had such a large sum had to take a taxi! But I decided to save, the more to go it was just a little bit.. Why couldn't I think about that immediately?? I am very stupid, and I failed you.... I can't stand the thought of... The police investigator also said that it was not the only case in recent months. It turns out these freaks are already looking for and they have several statements from people who also received money in banks and immediately thereafter robbed them!! But they said that while they could not find because no one could remember their faces. they mainly attacked women. I said that I was able to remember the face of one who was holding me. We made a sketch and they said that now they are actively engaged in their postami and I hope that soon they will be able to find them. But now I don't know what to do.... It took police 8 hours and only recently returned home. All the while, the police were unbelievably similar to my description, but unfortunately, among them this monster was not!! Now I just have no words... I'm just at a loss at the Bank I have the time until Thursday.... Mom still hasn't sold the site, and your money was stolen from me.... I just don't even know what to say now.... The Bank went on my assignment, I paid a lawyer who was able to find a compromise with the Bank and now it turns out that once again I have no money and I will spoil the reputation of the lawyer, and will also spoil your relationship with the Bank... It's just a nightmare... Now I don't even know how could I look into your eyes.... I'm terribly bad and embarrassing... again I drank a huge dose of sedatives. My dear, forgive me, now I don't know what will happen next, I really hope that these monsters will be able to find! But even if you can't find them, I promise you that I will give you all the money to the last penny...
Well, why do I have such bad luck??
What I did so bad that last time haunted me so much trouble?? Now I just do not want to live... Why God sends me all these tests??
Apparently now I have just a rough patch in life.. But I am very nudest that very soon all this will stop and all will be well ... I don't know if you'd want to talk to me, but I promise you that it would not have happened I still give you back all the money that has been received from you...

Letter 40

Hi Jeffrey. I now understand your condition, but believe me, I now feel much worse than you... I still can't believe it. I don't know what now to do to get your forgiveness... Trust me, I am very ashamed in front of you... In the last two days I suffered great nervous breakdowns, hysteria, depression... Today I again went to the police, they asked me more detailed information. Yesterday I asked a passerby to call the police. But I do not understand what was the question? You don't believe me?? If so then now I'll feel even worse... I always was sincere with you, I shared everything with you, trusted you ... Yes, I understand what happened yesterday is totally my fault. Yes I could take taxis, but I couldn't even think about what will happen, and to go I was very close. I have never encountered such situations and I had no idea that I can pay some check or transfer money from my account... How could I know that if I never had my account?? I talked to the Bank about the fact that you yourself sent the money but they did not agree. What could I do?? Now I feel the pressure from all sides, very hard for me. Yes, I am guilty before you, but you could understand me and a little support? And you're began to put pressure on me... Now I don't even know how to tell my mom. Yesterday I barely had the strength to tell you about it. Today the police I was asked to go and fix the injury at the hospital which I received from criminals.. But now it bothers me not as much as your money. They told me that they looked at a cameras which are on the path that I walked from the Bank and to the place where it all happened and how I realized that on a few cameras they could find two guys that look like my description. Now they are trying to establish their identity. I again spent several hours in police... This is quite tedious, and this is still only puts me hassle. I am very tired of all this... I talked to my lawyer and he said that it is quite a difficult situation.. He tried to understand me, because I could hardly hold back my tears when I explained all this to him... He said he would try to do something, but the situation is quite complicated because of the fact that I was robbed unlikely to be interested in the Bank.
I returned home just an hour ago. I was hoping for at least a modicum of your support, but what you wrote me depressed even more.. Yes I understand all your experiences, because it's your money. But I told you that I'll get them anyway... I really hope that police catch criminals and I will return the money. But even if it doesn't happen, my mom will sell the land, and I will return them to you.. I will not allow conscience not to do it. I was very disappointed that you're not worried about my health and condition, you immediately started talking about that I sent you some pieces of paper. I now have very little time, but if you need it tomorrow I'll find time to run, take these papers, copy them, scan, send you. Some of them are from a lawyer, some in the police station.. I Have nearly no time left, but if you need it I'll do it. And still I feel very bad and sad... And you completely disregard... It sorrowfully.

Letter 41

I am currently in school, because my job has not been canceled. I used the internet for quite a while to check email from my lawyer. Yes, I understand that you want to get all these documents, because helped me and I'll do it for you. I just do not understand why this is, but if you need them, then of course. And yet you are so indifferent to me, I'm just disappointed ... I understand it's your money, but I said that I will return them to you. I do not know how to behave in the bank tomorrow, but I hope for the best, because I no longer have no choice ... Yes, I was hit by criminals, how could it be different, I could not just give away my bag itself, it is obvious . But you are not interested ...

Letter 42

Hi Jeffrey. In the last few days I don't have time. Every day I have work, also every day I am invited to the police. Yesterday after work I again went to the police. They told me that they were able to establish the identity of the attackers, showed me their pictures. One of them was very similar to that which tried to keep me and the other sorry I didn't see. Now they are looking for them. You have to understand that I do not have enough time for everything. Yesterday evening I again met with my lawyer, we agreed that today he will call the Bank, as he represented my interests and try to negotiate to reschedule our meeting with the bank manager next week, justifying it by the fact that I had a theft. He told me to take the police agenda for today and tomorrow, so in case the Bank is not going to meet us I had a valid reason I was unable to visit the Bank.
Now I'm still at work. I used to print a progress report for the 2015-16 academic year. I had to take it on Tuesday but managed to finish only now. I hope that my lawyer managed to negotiate with the Bank. I promised to send you a copy of the judicial letter and also a receipt which was written in the Bank. I was able to scan it only today. You even asked for a police report, but I don't have it. All of this is the police investigator who is involved in my case. The Bank where I took out a loan called Home Credit Bank. My attorney's name is Mikhail Kolomeytsev. This is his mail: kolomeitsevm@yandex.ru .
Now I have to run, I hope today I get off earlier than usual and will write to you again in the evening.

Letter 43

Hello again Jeffrey, ... Yes, you help me, I'm insanely grateful for it, you know. I just wanted at the time when I was stressed to hear a few kind words and everything, but got quite another.
Yes you are right, if the Bank will arrest the land we will not be able to sell it. But where does the issue of trust? Are you afraid that I won't return you your money? I will do and for me it is then a matter of honor. I sent you everything you asked for, just like you wanted. The last days I have been very busy. I have not had a spare minute, I don't have time to eat lunch or dinner, I just came home and immediately fell to sleep. I think that nothing terrible will happen from what you have received these documents today. I have now is already quite complex situation, one word is a complete ass. I'm sorry for the expression, but I can't find more appropriate words.
You just try to imagine yourself in my place... Firstly come to me the bailiffs are threatening to seize the land, describe the property and so on, they say that within 10 days I have to pay a huge amount of money no what to do I don't know mum's can't do anything, she also don't know what to do. Then you saved me, gave me the money, and I was attacked on the street. You imagine how much I freaked out! What I got was shock, the stress, and after that I still left without your money and time to find such a sum. And then from all sides presses the police, the Bank, and all this in a moment. And you turned me away immediately... Trust me, this is hard enough. And the police cannot find the criminals. All just awful! And all this is happening to me. I don't know what to do next, I don't even know what will happen tomorrow. It's hard to live with it. And I still haven't told my mom about what happened. Because I'm even afraid to imagine what will happen to her if she finds out about this...

Letter 44

Hi Jeffrey! I scanned at work. Unfortunately there is no other scanner. What are some words you can't read, I can email them to you. I have not received absolutely nothing in police, except the papers were confirming that they received my application. All other case materials are kept in them, they do not give them to me. They say that they are not entitled to distribute these documents. There's nothing I can do about it. When I received the money I had a cheque, but now I won't be able to find it... Most likely he was also in the bag...
I am very tired from it all! I don't know how this will end, but when it happens I'm just going to sit at home and do not even think to go. I am just all annoying. I don't know why my lawyer are not answering, he is not accountable before me.... So in this I can't be to blame.

Letter 45

Hi Jeffrey! Sorry for such short letter, but since I am feeling not well, headache. I understand all that you need, and will do it tomorrow. I think this wouldn't be terrible because right now is a weekend anyway ...

Letter 46

Hi Jeffrey! .. . I don't know where to go again to scan this letter, will do it tomorrow in the afternoon. But I don't understand where's my passport? How is he related to this? I don't understand . . , now I also know that there is another week, but it hardly changes anything. But every time you ask me to do something sent. What are these for?? I just don't understand.. I'm not in any way not trying to chide you, I know you certainly helped me and I owe you a debt, but I have so very much trouble right now plus it is a disease... I do not have time, and you're still constantly asked for something... I just don't understand... I don't know what will... I understand that now I owe you money and you worry about it. But even if the plot still be arrested, I hope the police can find the criminals and I can return you money.... I'll find a way to pay you back... we just have to hope for the best and wait for a miracle...

Letter 47

Hello my beloved Jeffrey! Sorry for not answer yesterday, but fell asleep and not waiting for your letter:( I don't feel very well... . I understand, and if you need I'll do it... But now I just spend the whole day at home. I remember that you wanted to talk in Skype? I also really want to do it. Today I wanted to visit Rita, I may be asked to bring your laptop and we will be able to do it? How do you like this idea? Just please tell me what time you will be able to do it? And what is your nickname in Skype? So I could find you...

Letter 48

Well Jeffrey, Monday, I go to work and then I need to go to the Bank. I don't know what to do. I'll send you what you asked for. Now I go to bed tonight I feel a little better... Tell me exactly what time tomorrow will you be ready? 16:00 Moscow time will suit you?

Letter 49

Hi Jeffrey! I'm sorry I could not answer you yesterday. I found the center copy yesterday and did everything you asked but then I came home and could not go online. In our house turned off the electricity.
Today I feel much better, went to work, my sick leave ended... So did not want to go in the morning to work after one week of rest. Tonight I will need to go to the Bank. It will be necessary to meet with my lawyer... I am very worried and don't know what to say. I hope my lawyer was able to come up with something.
... I'm sorry I couldn't call you yesterday, I have already said that we have in the house the power went out:( And today I give back the laptop to Rita, she said that she now needed... I attached your documents, as you requested...

Letter 50

Dear Jeffrey, today was just unbearably difficult day. Perhaps because after such a long rest, besides, I still don't feel very well. But I'm exhausted both physically and emotionally...
Today was the deadline. I dismantled everything I was supposed to do last week. It's just awful, probably a whole week I'll be at work till 8-9 PM. After work like I said I was in the Bank. This is of course expected, but nothing good happens out there. The Bank told me that if in the course of this week don't pay them, then on Monday the court has already arrested the land. That's the whole story. After that I went to the police to find out how the wanted criminals, a lot of things they told me, but in fact they still couldn't find them. They said that they were unable to determine their possible whereabouts and all. In the end, I now again will be from head to toe in problems. I will have a court where I have been recognized as bankrupt as I was not able to repay the loan, take the land and I will owe you 200.000. So everything is just awful. You have no idea how hard it is to cope with all this alone and helpless woman. By the way, the lawyer asked whether it is possible to pay the loan the man a Bank transfer from his account in Belgium directly to the Bank. He answered the same as me. They do not agree to this because the money is sent from the other side, a man who is not my direct relative. They say that now, cases of fraud and now they don't practice such. The only thing they said I can transfer money transfer from your account, despite the fact that it is open in another Bank...

Letter 51

Hi Jeffrey! ... I completely forgot about the fact that you asked once again to scan a judicial letter. But I think I can't make it better. Because I only have a copy of this letter. And it is in itself not the best quality so when I scanned it, it turned out so fuzzy. However, I can read all that is written there. The office of my lawyer to be on the Moskovskaya street if I'm not mistaken the 149 building. We communicate with him via email. The Bank is located at Prospekt Entuziastov 31. I don't know what's the name of the Director of the branch. I was at the police station No. 3. It is located on Moskovskaya street. My investigator last name Ivanov.
I don't know what else I can give. In fact, and I really tired. It is now Wednesday evening, but I was not able to decide anything with this debt. I run one end of town to another. And you still keep asking one thing after another. And I really tired. I don't even want to think about it. Let's go to trial, I'll live with it...

Letter 52

Hello my dear Jeffrey! ... Or with horrible thoughts about what today is already Friday and soon it will be the court. My lawyer told me that after the decision of the court, bailiffs can also start to come to me and begin to describe my property... of course it's not so bad, but I risk to remain without furniture, TV and computer. But I hope this will not happen.
My dear Jeffrey, I wanted to apologize to you for causing you so much trouble, inconvenience I caused you stress. I am very ashamed and uncomfortable, because you never deserved this. You say that you don't need more in my life, but I don't know what to do. I decided that I will not tell you about any of their problems. I just let you know how I can repay you all. I think it would be better, because it's not fair that you suffer because of me. Tomorrow I'm going to tell my mom, I think it is time that it was not then surprised...

Letter 53

Hi Jeffrey. Unfortunately I have not received from you any answer for the past two days. I don't know what the problem is ... I don't know what to say, I met with my lawyer. As I understand ... on Monday the Bank will go to court. But it's not the most important thing I learned. You know what else he told me? He said you don't believe me that I have a debt to the Bank and the fact that I was robbed. You'd know I was upset when I heard this! Did you ask him the papers to prove it. I was very upset, it is difficult to convey my emotions! If you don't believe me then why didn't you tell me about this? Why are you in such a case, continue to communicate with me? Why are you helping me?? Yeah... I was very surprised. He said that you asked me to send him some documents. But he can't do it. I brought it to him when I first came to him. He examined them, made some notes for myself and later I took them back. Why couldn't you ask them from me? I showed you all what you asked, gave you all the information. The fact that a judicial letter is not clearly visible, I don't think I'm responsible. When you're scanning the copy quality deteriorates. I can do this as much as anyone, but I'm not sure what will be better.
He said you could help me if I gave you some documents. Why didn't you tell me? Is it really so? And what should I do for this? I want to avoid a trial by any means. Because it can play a very negative role in my life. In addition, we are left without land and I will still owe you the money. And if the court will not, we can pay you the money and my mother still a little left. It's much better. If you can't, just say so. Why is everyone so Jeffrey? I don't understand this... I have always been honest with you, I shared everything, all told, and you just don't believe me.

Letter 54

Hi Jeffrey. I once again hear only the accusations. Gorgeous! To Rob on the street could have anyone, and you in particular. Especially in Russia. With regard to the documents I gave you everything I could. Unfortunately I couldn't whenever you desire to run and to scan them, unfortunately:(
But when I heard about what you gave to check the documents, it was just the top of my patience! I don't know who and what you say, but unfortunately it is very humiliating for me, even after everything you've done for me!!...

Letter 55

Hi Jeffrey. I'm glad you finally were able to find the time to write me. With regard to the documents a million times I heard it about 16 may and all the rest. In May I totally forgot about it, and you have never reminded me about it. Then I sent you, but what is hard to see it's not my fault. I am a person who knows the Russian language could read everything. As for your company I am very grateful for trying to help, but unfortunately it does not work. The police gave me only one ticket that they received my application. More they didn't give me anything, and as the lawyer said this is normal. You can be different, but we have unfortunately so. I gave you everything you asked for, or rather what he could ...

Letter 56

Jeffrey, I don't know what to say. If you think that I don't appreciate what you did for me very vain, I am very grateful to you for that. The only thing I did not like that you often reminded me about it and blamed me for it. But it is also a consequence of the fact that everything that was happening around me put a lot of pressure on me, I have constant stress, depression. The lack of a good mood. I realized that now you just want to stop our communication. I won't say what emotions I have caused your message. Just want you to know that you are very dear person for me, I felt and feel very warm and tender feelings for which you are very grateful. You've done so much for me. It makes me sad...

Letter 57

Hello Jeffrey! You have no idea what a shock I have caused your message!! To be honest I didn't even want to turn on the computer tonight. But still decided to go and check the mail. It is something incredible!! I don't understand how so, because you didn't want to chat with me! ... Now I don't even know what to say! All thoughts immediately left my head!! Thank you so much for what you do for me and my family!! Don't think I'm not grateful to you! I'll be grateful all my life!! Tomorrow I will speak with the lawyer and with the Bank!! I hope that we will be able to decide something! Tomorrow, I'll let you know about the news that I get!
I want to apologize to you for what I said offended you. Please forgive me!...

Letter 58

Hi Jeffrey! ... On Friday we managed to reschedule the meeting at the Bank this week as soon as I get the money. I hope all will be well...

Letter 59

Hi Jeffrey! I'm very glad that you finally answered me! ... Yes, I checked the account and the money came! Tomorrow we will be at the Bank and see what we can do...

Letter 60

Hi Jeffrey!... Yes, we were in the Bank and it seems like we managed to resolve the conflict. On Monday, I must transfer funds from your account. All it will control is my lawyer, so I hope all goes well...

Letter 61

Hi Jeffrey! ... The money from my account transferred to the Bank. Everything should be fine. Now my lawyer needs to make sure that my debt is closed and the loan paid two months in advance and that the Bank takes the statement out of court. Now that the site is not in danger. He's been doing this...

Letter 62

Hi Jeffrey! ... Yes, I have contacted a lawyer last week and he said that the whole incident is almost settled. There is one caveat, I need to go next week in Syktyvkar to the mother, there will need to take some help from one service, I don't know how to call it in English:(

Letter 63

Hello my dear Jeffrey! ... As for the land it's okay.. She's still our property and mother involved in selling it. Soon everything will be all right. While I was away I could not communicate with counsel. I don't know why he's not responding to you. Maybe he changed his email, I don't know. This week I will contact him and tell him everything you say ...

Letter 64

Hi Jeffrey! ... I have a screenshot of the translation, since I did it online. The court documents with a lawyer. I'll take them from him after paying him... But unfortunately even this money I have now is almost there ...

Letter 65

Hi Jeffrey! My computer got a virus and I had nothing to do with him. I gave it to our teacher of Informatics at school and he was only a Sunday could make it. I wanted to write you sooner but in the end are only now... Last week I took my attorney document from the court, tomorrow at work I'll scan it and post it to you...

Letter 66

Hi Jeffrey! Are you all right? Are you mad at me for what I long to write? My computer really was broken:( I'm so Sorry... . I'm sending you as promised a scan resolution of bailiffs...

Letter 67

Hi Jeffrey! Very long waited for your letter... the Internet at home, unfortunately I have not been paid and so I am unable to get your letter this weekend. And just today at work I read it...
Russia really hard to live on a teacher's salary.. But with the formation of a teacher to get anywhere else will not work. In principle my colleagues do it, due to the fact that they have husbands who also earn and they also have their own apartment and not have to pay every month for rent half of his salary. On Friday I got the bad news from the owner of the apartment where I live now. She said this month she wants to sell the apartment so I have one week to find another apartment. No money at all, and now I have again, look for money not only the apartment but also on the collateral and on real estate services... Costs just incredibly much... In my account there is no money, the last I gave to the lawyer. Mom's case, too bad, the plot now no one is buying, because in the fall before the winter nobody wants it. Normally, land buying in the spring before the summer. Very rarely call, but there are no specifics yet. Shop mother now not working. It is now also looking for new retail space, cheaper. So now all of us very hard. Wages only at the end of the month, what to do with the apartment, I still don't know ...

Letter 68

Hi Jeffrey! ... In fact, the tenant gave me 2 weeks as indicated in the contract, but said that it is better to leave this week, because the apartment already has a buyer. And the week is hardly something that can change. To rent an apartment is very expensive, requires immediately a large sum because we still have to give the Deposit to the tenant and to pay a Commission to the realtor. In this apartment in which I live, I live for many years, as soon as I finished high school I immediately moved here. Then there were others, the terms of the lease than it is now, so it was easier for me.
Unlikely I'll be able to go to Rita's because she is now living with his mother. I know I can rely on it to sleep in it one or two times because they also have a small Studio apartment. Periodically I have different trouble in life, and as always, they sudden... So hard to handle... But I was not able to decide what I will do with the apartment. I talked to my mom, I don't think she can help me with money. Previously, she was at the store were better and I could always count on her financial support in the last year this situation has changed and now everything became more complicated. I hope she at least will improve things... Because she said she even thought about how to sell our apartment in Syktyvkar. But I really don't want her doing it...
Every year in my life more and more difficult. When I was young I thought that now I'll graduate, get a husband and will continue to be easier. At least with all the difficulties we've done it together... But very soon I will begin the fourth decade, but I still have one.... Very hard... I don't know what to do, I hope to figure something out...

Letter 69

Hi Jeffrey! Sorry again for the delay with the answer. Agreed with the hostess that will leave at the end of this week. The fact that I pay rent not to the beginning of the month and the day when we rented an apartment and signed a contract. Under the agreement, the hostess is obliged to notify in two weeks and I also...

Letter 70

Hi Jeffrey! ... It's the end of the week, but I still have not decided anything about your home... I don't know what to do... have even thought to take a small personal loan, but I don't want to mess with that.... Very difficult situation( Besides the fact that I need money for a new apartment + fees and the Deposit, I still have to decide how I will carry all your stuff... Not even men who could help me with this... Again a lot of problems and troubles ...

Letter 71

Hi Jeffrey!
Yes [photo] was with my mother, you have asked me for them... Now I'm sitting in the guests at Rita's, because next week I will already have to leave my apartment, I consulted with her what to do, she said I can stay but no more than a week... Now I need to decide what to do and what to do next after that, and I need to decide what to do with all my stuff... it's complicated... I really don't want to burden you with my problems again, because you have your own life, and you can't think about that... I'm Just not even someone to talk to... Problem...

Letter 72

Hi Jeffrey! ...
As for the help from my brother, it won't be easy, though, because between Syktyvkar and Saratov 1,500 kilometers. And even there are no direct buses between the two cities. Now the main problem is to decide what to do with all my stuff, and then where am I going to live after this week... And solve them without the financial possibility is almost impossible... Okay, I'll think how to do it...

Letter 73

Hi Jeffrey. How are you doing? Why don't you write for so long?

Letter 74

Hi, I answered you on your last letter. Maybe you didn't get my message? Now I live in a rented room. I found a room in an apartment. In one of the other rooms also lives a girl, a little younger than me, and in the third room two guys live. The girl is studying in the Institute in which I studied:) And the guys are working. Now I live there... . Yes, mom paid the loan payment, but the land has not yet been sold :( ...

Letter 75

Jeffrey!! Sorry for not answered you a few days!! I now have a big problem.... It's just a horror!! Last night I put a dial into the bath water to take bath and at that moment in the apartment called police, he called me outside and said that it was urgent that there was a crime and I should be as a witness! No one was home and I completely forgot about the water!!
Because of this, the water flooded the apartment in which I live and an apartment which is under us!! This is what horror! The apartment on the floor below at the time no one was there!!! When I turned off the water, it was too late! The water was everywhere.... The evening came from downstairs and started to understand.... Said he had a lot of things in the apartment were injured and damaged the repair of the apartment! He called his lawyer and everything was fixed... Now it will be trial and I don't know what will.... It is full of nightmare... Today I was talking with the landlady where I live, she said that all the damage that was done to her apartment should I pay for! It's just a horror... Now I again spend the night at Rita's....

Letter 76

Hey Jeffrey!! ...
Yes, I know that I could not go along with the police is voluntary, but you know, when they knocked on showed his ID and I started to say something, I'm a little confused and frightened... you're Probably heard that in Russia everyone is afraid of the police because there are many terrible stories associated with them... I don't know how to explain that I agreed with them to go... Just a nightmare!! Downstairs neighbor and the landlady agreed to meet with me on Friday to resolve the situation.... Don't know what to do now... I will wait and try to try to explain to them... No insurance.. the House is quite old, and in our country the insurance is voluntary so most just skimp and regret their money to pay for insurance... It's all Russian "avos'", in which all hope in our country... Probably you know about some features of mentality of the Russian people....
I am very upset... Again no mood...

Letter 77

Hi Jeffrey! Sorry so late…. Regarding our conversation on Friday, not how good it is not over... landlords say that their apartment was not insured. In this case, the offender must pay all costs associated with the damage that I caused...
Apparently in our legislation and there... all my friends and work colleagues had a similar situation. Now we must decide how we will come to an agreement, or limit ourselves to just a notarized receipt or we will solve everything in court... the Second decision problem, but longer... But in this case they would be entitled to sue me more money for the expertise evaluation, lawyers and other expenses associated with court expenses. In the first case, they agree to confine costs for the damage as it is faster and it is convenient for them.

Letter 78

Hi Jeffrey! ... But right now I'm in need of someone's support. My Rita along with her mother went to Saint-Petersburg for 10 days. She has a vacation. She left me the keys to her apartment, and was allowed to live there until they are not, so I can look for an apartment, order, her cat and water the flowers...
So now I live alone, in her quartile. Honestly a good opportunity to relax from all of this environment which was in my room in which I live. To reside in the apartment with 3 people, two of whom are guys I know this is very awful and tiring. From time to time they are still trying to pester me... So I'm glad that I was able to go from there though for a while. Jeffrey, you already know that the law in our country is far from perfect. I recently consulted with his former lawyer, and before that I probably spent the whole night sitting and reading various sites and forums online to learn that in such situations. In fact, many wrote that in such situations, they did so as if a pipe burst and they were even described the methods how it can be done and then filed in court on municipal services, which through their fault were flooded apartment and seized from them money for repair of apartments. But I even could not think that it can be done. Just a shame that someone at such situations, even winning the money, but I eventually found guilty and now needs the money. The lawyer said that their claim is justified and the court may well consider it as my fault was harmed other people's property. I'll have the money, and in this case, the bailiffs or collectors themselves will have to decide how to charge me these funds. But there is nothing except this plot of land... Now it cannot be sold, firstly because winter is coming and nobody wants it. In winter no one is agriculture, as a lot of snow, I think you understand it.
Also they can make it so that each month they will receive part of my salary. This part will depend on subsistence minimum, that is, I will get a living wage, and all the rest of the money will go to them. A living wage in my region of 8 thousand... the money is simply unrealistic to live, given the fact that every month need to pay rent and buy food... Plus winter is coming, need to buy warm clothes... It's just awful... I don't know what to do now... I still have some time to make a decision, and then if I don't give them money, they will go to court. And then no good again I'm not expecting:(
That's how it happened.. What do I do?? Which is better?? Leave everything as is and after the trial to receive a salary which is just impossible to survive in our country, or try to take out a loan and give the money to?? Please help me... I'm just at a loss. I hate everything...

Letter 79

Hi Jeffrey. You think I'm really stupid? It was a real policeman, they arrested a drunk driver and they had 2 witnesses, as prescribed by law, that the design of such a crime need 2 witnesses. Another policeman cannot be a witness, it's against the law. So they went to the nearest house and called several residents. To get to the entrance is not difficult, because they could just use the intercom and say that they were police. In any case, whatever it was, was damaged two apartments and it's all my fault... I told you that all damage was recorded. I know this all seems a little too silly, but to me this is not easy. Of course, the mistress of apartment has my passport data. They are spelled out in the contract which is me and her. So just move to another apartment will not work. To find the criminals who robbed me has failed because they are unable to establish their identity and their data. Just silhouettes on the camera does not help to find them. Yes the police in this country is not working as I would like. Maybe they have just stopped even to look for them, but I can't affect it. The level of solved crimes in our country is very low and it is not no secret to anyone. In General, I now have no options:( I understand that you are there in no way to blame, and that you don't have to help me, but I just don't know who else to ask help...

Letter 80

Hi Jeffrey. Sorry, maybe I'm wrong, but I really don't like it, what a tone you speak to me. I don't like it. Yes, I remember that I already have helped. And I will never forget! You know how I appreciate it! You said that the land should be sold early, but there was trial area cannot sell. Also you were talking about criminals and that they are still not caught. But you do realize that I can't do anything about it. Do you think our police reveal all the things that they have? I can't seem to affect them...
On the one hand when you tell me what to do, the words are all easy. But first, in reality it is not so, and secondly, you don't know what the laws in our country. All that did when the police invited me to be a witness, it was in order to comply with all aspects of lawful detention. And they in fact cannot blame the fact that I forgot to turn off the water. I don't know how I can explain to you how passed the water through the floor. Firstly, I don't know how you have the houses, but the house in which I live was built in the days of Nikita Khrushchev. If you don't believe me, you can look on the Internet a lot of similar stories. Of course I have to anything you do not oblige and I have no right to do so. I was just asking because you know I don't have many friends, and the financial condition of my family is not very good. Unfortunately the salaries in our country is very low. If you don't want, of course you don't have to help me, just why talk like that? What you meant that your patience is coming to an end???

Letter 81

Sorry Jeffrey, I understand, you have a lot of work, you are very tired.. But I also have a very easy...
Again forgive me if something is wrong. I understand that is not very good, but I was constantly harassed any problems.... Sometimes I am haunted by the thought that I was someone jinxed... don't know, maybe it sounds too crazy, but can do some spell on me...
What do you think? Do you believe in such things? The examination assessed all the damage in 187.000 rubles. I don't know what I can offer you in exchange and I'll pay back, but I'll try to figure something out. Can be when will be able to sell the land from the money I can give you all your debt...

Letter 82

Hi Jeffrey... You asked me to send the scanned examination report - I sent it to you...
This week hard at work. Many different tests... would rather have it ended... and these issues regular issues from downstairs neighbor, when I will be able to give him the money... I'm tired too.

Letter 83

Hi Jeffrey! With me talked today is again my neighbor. He asked me when am I going to pay for damages... . I know I cause you a lot of inconvenience, but please can you help me? I really still don't know what to do with it... And the neighbor said that if in the near future I'm not giving him the answer, he will do next... It's not very good, because in this case, expenses may be more... What a horror... once again I turn to you... I am ashamed of it, but I really hope you can understand me...

Letter 84

Hi Jeffrey! Sorry, I misunderstood you, about the translation. I'm glad your friend could help you with it. It is an act of expertise. It does not measure the damage and just fixed. The repair estimate for my downstairs neighbor made along with a professional in my presence. And just if the estimate of the price that it was absolutely objective. 187 thousand rubles is the repair and restoration of the damaged property of the neighbor below. The apartment in which I live suffered only flooring, laminate flooring and very little furniture. The hostess and my roommates, we agreed that this damage does not cause us in this time of discomfort, so now she doesn't want to fix. She said that all that was injured at her apartment to renovate of about 20-30 thousand rubles, and we did not make examination. Agreed that while I live in her apartment, you must first pay with his downstairs neighbor, and then I'll have to give the money to fix it. Agreed that we will go together to buy the necessary material and hire a team that will do it, so I can see how much all the repairs. But she is not rushing me, so now the main task is to pay with downstairs neighbor...

Letter 85

Hi Jeffrey! Sorry to not answer you.. first there was a lot of work. Different kind of verification would come again to our school. Plus this week Monday and Tuesday was some examinations and certifications on all items of my students and so every day I until late in the evening checked on them. When I returned home I simply had neither the strength nor the mood. So I just fell to sleep... . Yesterday I received finally from the neighbor of the evaluation of the repair of his apartment. I send it to you. If you need translation, I can do this for you...

Letter 86

Hi Jeffrey ... .
This document which I received this report on the results of the evaluation. The evaluators have the materials calculations. I translated it for you, but I'm not sure I translated correctly, sometimes used a translator because I do not know some words in English. Here's what I got: The result of The evaluation and the conclusion about market value. The object of evaluation: the right to claim damages caused to the apartment located at Saratov, Leninsky district., Prospekt Stroiteley, Dom 68b apartment 9 and stored therein at the time of the property. Cost: market value. Evaluated rights: the right requirements. The purpose of the valuation: determination of market value of the subject property. Intended use of evaluation results: compensation for property damage, including in the trial. Customer: Ionov Yuri Pavlovich. Reason for evaluation: Contract No. 10/243-O 13 Oct 2016. The date of valuation (date of valuation): October 14, 2016. Date of report: October 17, 2016. The value obtained in the result of the application of the cost approach: 187 thousand virtually any. The total market value of the right to claim damages caused to the apartment, located at: Saratov, Leninsky district, Prospekt Stroiteley, Dom 68b apartment 9 and stored therein at the time of the assets as of the valuation date 14 Oct 2016 is: 187 thousand virtually any. The assessment is performed in accordance with the requirements of the Federal law "On valuation activities in the Russian Federation" from 29.07.1998 year and Federal valuation standards...

Letter 87

Hi Jeffrey! ... At the bottom of the examination papers set by the appraiser. I don't know he's just an employee of the company or is a private evaluator, but his company is called "Prof-ocenka". This paper shows the results of the evaluation. The whole score is a complicated procedure and I was present. There's a lot of different papers, calculations and methods of identifying value. And that the final cost of the damage. I went to the store Leroy Merlin and watched the cost of materials because I had to estimate the cost of repair of an apartment in which I live and also I watched the repair crews so I really know the real prices and I can say that this objective value. Unfortunately I have no land appraisal, but the market value varies 700-750 thousand rubles. Mom's ready to sell it even cheaper this price to cover all the debts. I hope now I have answered all of your questions...

Letter 88

Hi Jeffrey! ... Yes, I was telling my mom about this. We had a deal... So in this regard there will be no misunderstandings...

Letter 89

Hi Jeffrey! ... You mean how much is left to pay for the loan for the land? I don't know the exact amount, but I now know what my mom regularly pays the mortgage. Helping her brother and sometimes a little I. There remained a small balance. If I'm not mistaken 3-4 months. Only I would like the money to do more repairs in the apartment in which I live. I told you that I agreed with the hostess to do it yourself. There will need no more than 30 thousand, so I think that all the money should be enough... .

Letter 90

Hi Jeffrey! ...
Now it seems to be doing mom in the store better, she from time to time trying to help brother. After the story of the debt was settled, she made a number of some changes in the store concept, changes in the volume of sales and purchases, helped her brother, and now the situation has stabilized. Now nearing the Christmas holidays, so she hopes that will be even better. My brother seems to be doing well too, the only thing I know that he's having some problems with his girlfriend, but he said that's their business and they will be able to understand...

Letter 91

Hi Jeffrey! ... Today again went to the neighbor, asked if I was going to pay him the money. He's a little annoyed because I keep telling him that, Yes, but not doing anything. He said that otherwise he in December will go to court:( In the end of the day, he screwed up my mood...

Letter 92

Hi Jeffrey! Now I'm back from work. I received your terms, I believe that it is acceptable conditions.
With regard to receipts from the neighbor and the owner of the apartment is a natural condition, because otherwise I wouldn't give him the money.
I already have experience, so the money I will not withdraw and will list them at the expense of the neighbor. We will discuss it with him. Now, with the sale of the land, I also agree. All your terms I find acceptable and agree to them.
Now then I go to a neighbor and discuss with him the details.
After that you will need to talk to the landlady. Thank you for your help. Once again you help me with my problems. I'm eternally grateful for it!

Letter 93

Hi Jeffrey! ... On Tuesday I received the money you sent. I didn't get left in the account. I agreed with the neighbor on Monday he will give me his account number so I could translate them to him. The rest of the money I leave in there. I think you can do repairs in my apartment until after the New Year. I have also discussed with the owner of my apartment. On Monday when I transfer the money, my neighbor and together we will write a receipt that I gave him all the necessary sum was given and that no longer has a claim to me ...

Letter 94

Hi Jeffrey! ... Yes, it's great that you helped me! I'm very grateful for that, and you know it!! Now I don't even pass the money an hour ago I was talking with my neighbor and I got his account number. Tomorrow after work I'll go to the Bank to make the transfer of money, and then my neighbor will write me a letter that he no longer has any claim to me. A repair in my apartment, I'm going to do after the new year. I told you that there is a lot of work and other chores...

Letter 95

Hi Jeffrey!... Yes, I have last week paid off with a neighbor, and he wrote me a receipt. It lies at me, I just keep forgetting it. I'll send it to you as promised in the coming days...

Letter 96

Hi Jeffrey!
I've been thinking how to celebrate the new year this year. Still, I decided to go to my mother in Syktyvkar and to spend new year with her. Today I bought me a ticket and I'm leaving tomorrow.
I don't want to be alone on new year and don't want mom alone too.
I want to surprise her so didn't say anything ... As soon as I come back to Saratov, I will write to you! ...

Letter 97

Hi Jeffrey! Yesterday I got home, but it was evening and I had a lot of cases, moreover, after such a long journey I was very tired...
In Syktyvkar it was very cold, the North, in January there's always a strong frost...But I had a good time with my mom...

Letter 98

Hi Jeffrey! Sorry it took so long to answer you:(((( I just don't have words! Can you imagine my computer was broken again! He breaks down almost every month! You have no idea how was evil!! I don't know what I would do if I were not a teacher and I didn't have teachers as friends on computer... :(
But even he said that he already hates my computer, he advised me to dump him not to tickle my nerves and to live as before and send letters in the mail:) ... Just today my friend was able to fix my computer...