Patrick Vivian Fringe Financing FRAUD - Adverising Unsecured Loans Coquitlam, British Columbia Canada

 does he go by the same name as Patrick Vivian

Jokes on you Mr.Vivian as I do have the evidence to back up many of the claims listed on this site about you.

I feel sorry for you. I hope that one day you will be happy and begin to treat others as you wished to be treated. Until then I hope that others heed this report as a warning and do not do business with you as it will most likely end in dissatisfaction. Good Bye.

 

When anyone can read this thread, do you still believe that you're convincing to public, you are right because of no proof? that's exactly how scammers and impostors react right now. We have proofs and we can sue you anytime but you are running away.

You seem upset because you fail to delete this thread which you cannot do. this thread was top 10 on this ripoff report and I have reason why I'm repeating Patrick Vivian.
If you think you're right, let's expose this report to your current clients (if you have), landlords, financial institutions, fitness clubs, retail stores, and also RCMP and solicitor.

This investigation is still searching your activities, so be careful when you talk on your Rogers cell. Your fraud career is about to over soon. And I believe your dirty funds is running out and you cannot sue anyone costly.

Me2

"Seriously- no one is afraid of you legally, you have nothing to stand on, so you should give up the those threats,  we are only afraid that you will lose it and get even more strange than you already are."

I'm not making a threat. Simply an observation. When I find out who you are, I will take you to court. Kindly look up the laws of defamation and libel in both the United States(where I have to go to find out names), and Canada. You're afraid I'll get "strange"? What does that even mean?! How am I "strange" now?

"Haven't you figured out what we are doing? Now we are just posting our experiences to get you to respond with your ridiculous statements ."

Everyone that looks at this, knows what you are doing. You are going above and beyond posting your "experiences" with me, while not offering a shred of proof of anything. When I offer proof of otherwise, you flame me and those that have backed up my claims.

"This way we don't have to go into specifics about our bad experiences with you , other people can simply make their own judgments and see how nuts you are according to your statements on this forum."

How nuts I am according to my statements on this forum? You are an idiot. Please refer back to how this has gone so far...I've defended myself against cowards that refuse to identify themselves, and against their baseless allegations. I've done so with the English language(something more than one of you seem to rather inept at using), pointing out the ridiculous "logic" you people seem to be trying to use and like I've said so many times, the proof against your asinine and malicious allegations.

"Oh and also ,your posts are providing comic relief to an otherwise unfunny topic, if you don't understand what that means, let me interpret = We are laughing at you."

Laugh all you want sweetie(the thought of you mental midgets laughing is unreasonably amusing in itself). I pray that the RCMP try and charge me. That'll save me money trying to prove who you are people are, and once I prove(a concept you seem completely unable to understand) that I've not scammed anyone, I'll be coming after you people for everything you've done. The legal way. Never forget that, as every single thing I've done has shown I don't run from anything.

Also, "Me2", you've failed to comment on whether I "owe" you money or not! You've just slung a whole bunch of s**t, while refusing to back it up with anything or say who you are! Kindly enlighten the world please.

Seriously- no one is afraid of you legally, you have nothing to stand on, so you should give up the those threats,  we are only afraid that you will lose it and get even more strange than you already are. Haven't you figured out what we are doing? Now we are just posting our experiences to get you to respond with your ridiculous statements . This way we don't have to go into specifics about our bad experiences with you , other people can simply make their own judgments and see how nuts you are according to your statements on this forum. Oh and also ,your posts are providing comic relief to an otherwise unfunny topic, if you don't understand what that means, let me interpret = We are laughing at you.

Me2

I have no idea how to respond to your last ridiculous post. You rest your case? What? I never threatened, made excuses or accusations. What are you even talking about? I called out your lack of proof, refusal to identify yourself and as such your cowardly tactics. How could you possibly say that you "rest your case", and that I've "proven" I am who you say I am? That doesn't even make sense.

van604

Based on what you've said, I've got a fair idea as to whom you are. He's quite right when he says he has a young family. The background on this fellow is that him and his wife did in fact get a loan to go in on an investment with me. Part of their loan went towards paying off credit cards debts and other bills, while a small portion, 3 or 4 thousand dollars was given to me to invest on their behalf. Not too long later, they received a full 5 thousand dollars in cash back as investment, and profit. Shortly thereafter this gentleman was searching for a new job, as his current employer was paying enough for his family to get by, but not ahead(this was my understanding). I offered him a job, and we settled on approx. 5 thousand dollars per month as a base salary, due to his experience as a manager. Approx. one week later(almost 2 days into starting his job with me, but had not yet quit his previous employer), I began to lose everything due to the markets very public collapse. Obviously, I had to let him go. The disagreement him and I had, was he wanted payment for a full months work. He had not worked that long, so I would not pay that, however did offer the 2 days pay for the 2 days work. He refused. A verbal altercation ensued, and the result was him posting a completely different set of events altogether on multiple websites. While I am still willing to pay for his 2 days of work, there is no way I owe him $5000.

"I find it odd that once you finally track Patrick down to a specific address he ususally disapears from that apartment after a month or so."

Track me down? Are you implying I'm hiding? My addresses have been quite public, however I have had to move a few times do to attempting to rebuild, and the extravagant costs associated with work. That said, you and yours have been fully aware of where I have lived at all times(it's always been public knowledge), have had any phone numbers to get ahold of me, my email addresses could have been used, and if all else failed you could have contacted me on facebook. Yet, here you are implying I disappeared, when others have said differently.

"He manages to leave the rental apartment without warning and the owners are left with months of back rent owning."

Haha, not at all true. While I'll never disagree about being evicted, I've never left "without warning and months of back rent owning". Kindly show proof please.

"Consider this a heads up to anyone who is potentially renting to him. "

Again, while my history is publicly available, your attempt to prevent me from renting a residence is extremely malicious given the fact that I have a daughter to provide for. What reason could you possibly have in putting forth such a lie(the implication that you care for unknown landlords)? This is of no benefit to you, and given the fact that I have in fact paid landlords(again, publicly available knowledge, and I have receipts if anyone would like to refute my claim again) and the fact that landlords do background checks looking for these pieces of publicly available knowledge...this suggests nothing more then an attempt to get revenge against me for a conceived ill-doing.

"After a while, he pops up again in yet another apartment in Yaletown."

Where was I before? While I know you know the answer to that question, I'm posing it because you've made it sound as if now you're watching me. Earlier in your post you implied you couldn't find me. So you've just admitted to knowing where I have lived in the past, which begs yet another question...why didn't you confront me for any money you think I actually owe you? Vulture much?

"Unfortunatly the owners of the apartment get sucked in by his charm and lies and the cycle occurs again."

I'm charming? Why thank you! So nice to hear a compliment. Though again, you've got to provide proof of such claims as this is sounding quite a bit like a personal opinion.

"I invested well over $5000 with Patrick a couple of years back."

Already explained, and unfortunately there's no proof of either his claim or mine. Cash in and out deal, with a handshake to "sign" it all(though I could be incorrect, I just don't remember a shred of paperwork him or I signed for that specific deal). If you can prove me wrong, please do. Otherwise, refer to above.

"I will not give him any clues as to who I am; this is unfortunatly due to concerns with his past behaviour."

To what "concerns" are you referring? I've no record of violence. I am not mentally ill. Nor have I ever been violent with you, or else you wouldn't have left me hold your child when we were still on good grounds. Though, your implication does sound rather ominous and dreadful, and I have no doubt might make a good line in a fiction novel setting up a nefarious character for some unsightly deed later on in the book. Lets see what other baseless allegations you people bring up without a shred of proof! Christ, the way you people paint me I should be in a nuthouse by now.

"I will not put myself or my young family in harms way."

While I believe a parent should not put his family in harms way, this question begs to be asked. To what kind of past behaviour are you referring that has you so frightened for your family's safety? Do you have proof of such behaviour? Would you like to share this with the world?

"What I will do is take the time to warn others about his dishonest practices in the hopes that others won't fall for this scam."

Ah yes, the crux in my "plan"! Whatever am I to do?! People that refuse to identify themselves, refuse to offer proof to support their claims and are apparently following me around are saying *I'M* the evil doer! Did you not read any of the previous rebuttals on here? The level of absolute absurdity this whole thing has come to is insane. Do you realize that using your logic, I can make any and all claims against you people and you'd be powerless to stop me? Thank God I haven't and won't ever stoop to that level. Not only is that NOT an example I want my daughter to witness, but can you image the epic clusterf**k that would become? Again, excuse the language...this whole thing has me upset, and rightly so I might add.

"Its been 2 years; numerous promises broken. The only thing given to us by Patrick is a pile of lies and an empty savings account

. "

No, but please prove these claims anyways. Am I sounding like a broken record here?

"Yes Patrick; you haven't been charged yet. But keep in mind that investigations take quite some time and I truely believe in Karma."

Ah, so you read a bit after all. As I've said I will never be charged because you people not only refuse to offer proof, but CANNOT prove ANYTHING here that I've not already said you could. I've NOT scammed ANYONE! Three quarters of what's been said by you people is completely false! Why else would you not prove a single thing? Because I'm so exceptionally violent and I'll track you down and hurt you/your family? If that were the case, why would there not be proof of that either?! A precedent perhaps?! You people don't want to give out names, as these cowardly acts are not only illegal, but *WILL* result in legal action against you!

Hey everyone, here is another person who is still waiting for their money. We are well past 2 years now and it seems that Patrick have fallen off the face of the planet.

I find it odd that once you finally track Patrick down to a specific address he ususally disapears from that apartment after a month or so. He manages to leave the rental apartment without warning and the owners are left with months of back rent owning. Consider this a heads up to anyone who is potentially renting to him. After a while, he pops up again in yet another apartment in Yaletown. Unfortunatly the owners of the apartment get sucked in by his charm and lies and the cycle occurs again.

I invested well over $5000 with Patrick a couple of years back. I will not give him any clues as to who I am; this is unfortunatly due to concerns with his past behaviour. I will not put myself or my young family in harms way. What I will do is take the time to warn others about his dishonest practices in the hopes that others won't fall for this scam.

Its been 2 years; numerous promises broken. The only thing given to us by Patrick is a pile of lies and an empty savings account.

Yes Patrick; you haven't been charged yet. But keep in mind that investigations take quite some time and I truely believe in Karma.

The more you protest with your long winded ridiculous accusations, threats and excuses Patrick, the more you live up to what you are being charged with.

Just an FYI everyone knows from meeting you in person, and from reading your posts how uneducated you are so you might want to give up trying to school people on their grammar.

Good bye now. Hope one day you will actually be happy and stable enough to get a conscience and make amends to all those people that you have harmed.

Me2

"No one wants to identify themselves to you Patrick because they are concerned about what you will do."

There should be no reason to be afraid of any consequences if you're telling the truth. You and others are only worried because of the proof I have, and the obvious result that will come about in court because of it.

"You get angry and verbally abusive and threaten people and call them names when they start to realize that they are being messed around and begin to ask you about it ."

Kindly provide proof of my apparent verbal abuse. The closest I've come so far to even putting someone down, is stating I do not have time for idiots. A far cry from "verbal abuse". Now, a short excerpt from Wikipedia states verbal abuse is usually defined as such:

Verbal abuse is a pattern of behavior that can seriously interfere with one's positive emotional development and, over time, can lead to significant detriment to one's self-esteem, emotional well-being, and physical state. It has been further described as an ongoing emotional environment organized by the abuser for the purposes of control.

Going by that definition, the actions of some on this site against me could be considered verbal abuse. Can you kindly show me where I've hurt your feelings, or the feelings of others? Called you or others names?

"Your behaviour borders on psychopathic, (and Patrick feel free to look that up since you are so big on definitions) And you really need to stop poking fun and insulting the person who is posting about you who obviously speaks english as a second language."

I'm big on definitions, because you people seem to be using them without much prior knowledge of what certain things actually mean. I'm simply correcting inadequacies. However, there seem to be many definitions and types of a psychopath, not all good and not all bad. That said, I will refer back to an earlier statement. Do you have the required educational background to perform a proper psychological assessment of myself, or anyone else? Would you be willing to provide documentation for anyone to confirm such a claim? Something you're probably unaware of, is I have undergone a psychological assessment due to claims by the mother of my child. I was in fact, found NOT to be a psychopath. Again, something I'd be most happy to share with you or anyone else, and something that will no doubt be publicly available soon enough. As for the second half of your sentence(I'm assuming it was a botched attempt at two sentences?), I never insulted this individual for his lack of knowledge of english. I commented on the meaning, and tone of his messages, as well as lack of proof(only allegations) for the grandiose claims made. Much the same as I'm doing with you, and some others here as well.

"All you are doing is providing proof to everyone's claims that you are disturbed and unprofessional."

I think you're missing the point, though I and another individual I think you dealt with have an idea as to whom you are. If we are correct, it is in fact you that are disturbed and unprofessional. However, if you think my defending myself in a somewhat mature and reserved manner, while taking responsibility for all my actions is "proof" of a disturbed and unprofessional mental state...well...you obviously have to take a look at that apparent degree you've got again. Retake a few tests perhaps?

"If someone has had a bad experience with someone while doing business,they have every right to post it here to warn other consumers."

Entirely correct! What about those that have a good experience, are they not allowed to post as well?

"Your entire scam hinges on people getting frustrated and just letting it go ."

According to another post, I have many scams. To which are you referring? Let's try to keep this at least somewhat understandable here! However, just based on the inclined message of that allegation, I'd like to refer you to the experience laid out by "Lady Grinning Soul". As it states, I stayed in touch with her for a period of almost a year and a half, and worked out a way to get the money I promised to her. Quite the opposite of what your allegation there attempts to imply.

"It just so happens that as soon as one or two people spoke out about you, a lot of other people decided that they were not going to stand for it too."

You cannot prove this, as you've so refused to do so. However, there are six accounts claiming to be different people. All six people make it sound as if there are dozens of individual experiences with me, stemming from a plethora of different areas and backgrounds. Most claiming I am doing exactly what they are doing on a public website. However, nobody has any proof? Nobody wants to give names? Am I the only one that finds it odd? I was under the impression that if such an exceptionally stupid, small time con artist, were to do this to so many people over such a period of time, that there would be proof of this persons actions! Is this logic flawed? Can you please enlighten me?

"Sorry to break it to you, but your small time con artist career is over Patrick."

You're being verbally abusive! Refer to the definition please. And yet again, I'd like to point out no proof of claim.

"Looks like you are going to have to get a real job and make and honest living, just like all those people who you screwed over.

"

I have a "real job"(what's a "fake job"?), and have never made anything but an honest living. Hard to make such a claim about someone when that individual's never even been charged of an offense, and all attempts to do so(once I believe) have been thrown out of court.

I'd like to pose the question again. Why would anyone be afraid of proving any claims they make? In addition, I'd like to ask a few more(though, my questions seem to go unanswered for the most part). Why would you not wish to prove any allegations you make? Why would you not wish to prove you are all separate people? Why, if you know so much about me, have you gotten so many of even just the little details wrong(and I'm talking about just the publicly available details)?
 

No one wants to identify themselves to you Patrick because they are concerned about what you will do. You get angry and verbally abusive and threaten people and call them names when they start to realize that they are being taken and begin to ask you about it . No one wants to take the chance of the wrath of someone who lives thier life in such a devious manner as you do. Your behaviour borders on psychopathic, (and Patrick feel free to look that up since you are so big on definitions) And you really need to stop poking fun and insulting the person who is posting about you who obviously speaks english as a second language. All you are doing is providing proof to everyone's claims that you are disturbed and unprofessional. If someone has had a bad experience with someone while doing business,they have every right to post it here to warn other consumers. Your entire scam hinges on people getting frustrated and just letting it go . It just so happens that as soon as one or two people spoke out about you, a lot of other people decided that they were not going to stand for it too. Sorry to break it to you, but your small time con artist career is over Patrick. Looks like you are going to have to get a real job and make and honest living, just like all those people who you screwed over.

No one wants to identify themselves to you Patrick because they are concerned about what you will do.

You get angry and verbally abusive and threaten people and call them names when they start to realize that they are being messed around and begin to ask you about it .

No one wants to take the chance of the wrath of someone who lives thier life in such a devious manner as you do. Your behaviour borders on psychopathic,

(and Patrick feel free to look that up since you are so big on definitions)

And you really need to stop poking fun and insulting the person who is posting about you who obviously speaks english as a second language. All you are doing is providing proof to everyone's claims that you are disturbed and unprofessional.

 If someone has had a bad experience with someone while doing business,they have every right to post it here to warn other consumers. Your entire scam hinges on people getting frustrated and just letting it go . It just so happens that as soon as one or two people spoke out about you, a lot of other people decided that they were not going to stand for it too.

Sorry to break it to you, but your small time con artist career is over Patrick.

Looks like you are going to have to get a real job and make and honest living, just like all those people who you screwed over.

Anon101

"People here are speaking up for their fact, not for your mother of all excuses."

Um...what? Everybody is speaking up "for their fact". Nobody is making excuses. I don't seem to understand what that sentence was trying to convey. Kindly get someone that speaks English to go over your next response.

"You will see the more people visit this site, the more complains coming up."

Again, what? I've been contacting people to post their experiences with me, and now you're throwing them out claiming that I am secretly writing them, claiming to be someone else. Yet, I seem to be the only one offering not only proof, but a way of CONFIRMING my side.

" That picture posting was courtesy for other innocent Patrick Vivian living in Canada."

Seriously, do you even do your homework? I am the only Patrick Vivian around these parts, and the other that even comes close is in Vancouver Washington I believe(though, older than myself).

"You have already admitted that picture is actually yourself, currently 25 years old."

I've never said my age on here, though I am 24, not 25. You seem to be getting quite a bit wrong. To top it off, I've NEVER DENIED ANYTHING I CANNOT PROVE. I can prove I've not scammed anyone. I can prove whats happened. Other then unnamed "people"(perhaps just one person?) on here alleging I'm a con artist(or am apparently mentally ill), can you prove ANYTHING? Please. Try. I'm pleading for you to try and prove just one of your allegations.

"I'm wishing this site will be eventually helping many people to avoid your scams."

Yet again, no proof I've scammed anyone. Just claims. In fact, yet another person posted her experience with me. And oh yes, it confirms what I've been saying.

Anon101, who are you? Why are you so afraid to back up anything you claim? I won't be responding to anything else from you until you grow up, provide a way to contact you(including your name, though I've got an idea as to whom you are), AND some proof. Just remember, anybody can talk. That's why people are INNOCENT until PROVEN guilty. I'll be getting more people to post their experiences with me here as soon as they've got the time :)

People here are speaking up for their fact, not for your mother of all excuses. You will see the more people visit this site, the more complains coming up. That picture posting was courtesy for other innocent Patrick Vivian living in Canada. You have already admitted that picture is actually yourself, currently 25 years old. I'm wishing this site will be eventually helping many people to avoid your scams.

Anon101

"This is one of Patrick Vivians tricks pretending 3^rd person in multiple posts, no doubt about it!"

Not quite sure what you mean. Are you implying that Jeff and Matthew are indeed myself? If that is the case, how do you come to that conclusion? Do you have proof? Please remember that I have set up an email address to give any and all evidence to anyone. What have you done other then throw statements around that you refuse to prove, and put up a picture of me?

"I knew PATRICK VIVIAN is reading here and trying to defend himself."

Indeed I had been reading about it from the very beginning as I had been informed by other people. I do not deny that. I did not respond for a while though, as it had not yet gotten ridiculous.

" No one ever say good about him, never!"

Actually, quite a few people say good about me. Again, as stated numerous times above, I'm more then willing to show this. Can you show otherwise?

"When you have real nice experience, search his name and post comment on rippoff report?"

Someone did, and you claimed it was fake. Is that going to happen every single time?

"He did not understand the purpose of ripoff report."

Actually, I did understand the purpose of ripoff report. However, what you don't seem to understand is the current western justice system works like this. You make an allegation against me, and should have some sort of proof to support said allegation at the time. If it's serious enough, the police contact me, and ask for my side of the story. From that point, they do an investigation and determine whether charges are warranted. Should they be warranted, a prosecutor will get involved if he/she thinks they will win. From that point, it goes to court and I again have the opportunity to defend myself against any and all allegations. While that is a massively understated explanation of the way our justice system is supposed to work, please understand that the Ripoff Report website is supposed to work in a similar way. You make allegations, I defend myself. We both present anything that can support our claims, and the potential customer/client makes the decision in the end. The site even claims that this is the way it is supposed to work.

"What an exceptional dumb con artist."

How so? I respond with my side of the story, offer proof of my claims, and make a mockery of your pathetically inept ability to properly respond to anything. While I may not have been the most mature individual just there, please keep in mind I've always said I don't usually have the time to give to those graced with but a single digit IQ. Now before I really delve into name calling(starting to get somewhat irate here with all of this), I'd like to ask you to kindly answer the following question in a sentence/paragraph not resembling that of a twelve year old attempting to act tough: How could you possibly get I am a dumb con artist, if I've apparently scammed so many people according to you?

"This site is not your blog lol."

Taken from Wikipedia:

A blog (a contraction of the term "web log")^[1] is a type of website, usually maintained by an individual with regular entries of commentary, descriptions of events, or other material such as graphics or video. Entries are commonly displayed in reverse-chronological order. "Blog" can also be used as a verb, meaning to maintain or add content to a blog.

Many blogs provide commentary or news on a particular subject; others function as more personal online diaries. A typical blog combines text, images, and links to other blogs, Web pages, and other media related to its topic. The ability of readers to leave comments in an interactive format is an important part of many blogs. Most blogs are primarily textual, although some focus on art (Art blog), photographs (photoblog), videos (Video blogging), music (MP3 blog), and audio (podcasting). Microblogging is another type of blogging, featuring very short posts.

Now in a general sense, I suppose you could argue that this entire site is a blog, as each individual report on someone/something becomes it's own web page. However, let's get real. I could make the same claim against you people, and what point does that statement make anyways? Keep to the issue.

"Patric vivian, I understood you deceived best friend, girlfriend and family."

Again, please provide proof. I've never deceived my best friend, girlfriend or family. Have you talked to my family? Can you kindly provide proof of this? What about my girlfriend? Do you even know whether I am single or not? Can you provide proof of her telling you I've deceived her as well? What about my best friend? Do you know who this was/is? Can you provide proof that this individual has said I deceived him/her as well?

"Who will be the next person?  How many people sued you in the past two years?"

I've never conned anyone in the first place, and suing someone isn't proof of guilt. Please look at the outcomes of the attempted court cases, and you'll see exactly what happened. Kindly stop misdirecting people.

"Things happen all the time in your life."

As they do in your life, and the lives of others as well. There are quite a few colourful statements to show that thing's have been happening to people for a very long time. One might say...since the beginning of time?

"You are a real criminal known by RCMP."

Again, I've not even been charged. I did voluntarily go down to a police station to give me version of the events, and offer anything, everything and even more evidence to prove I was not lying. I'm fairly certain that if I've not been charged, and you refuse to offer any proof to testify to these allegations...you can't really call me a criminal.

"This is the best place to get to know about him, bring it on!"

You sound as if you're attempting to rally the troops. It's quite amusing to see you intentionally omitting evidence, attempting to misdirect individuals and refusing to allow anyone to say anything to the contrary. Who are you "Anon101"? Why not reveal yourself?

I'd also like to say that posting a picture of me, and my facebook profile link is yet another piece of evidence I will be using against those that are attempting to maliciously and illegally attack me. While I am more than willing to respond to these wonderfully unintelligent "reports", I would ask anyone...ANYONE...why don't they reveal themselves? Why don't these people offer any proof? Contact information? ANYTHING to say they are indeed telling the truth? Yet again, not proof reading...just posting and moving on with the day :)

During the summer of 2007 I was approached to join in on an investment based on the recommendation of Patrick Vivian. I gave him 300 dollars by depositing it into his bank account. Over the next month and a half we talked continuously, and on August 25th, 2007 I requested to pull out of the investment after I was told that I had made $900. The next day I departed for Prince George and communication became strained on both sides. We both ended up putting off meeting each other in order for me to receive my money because of limited visiting time to the lower mainland on my part. After many conversations on the telephone and through email, eventually we came to the mutual decision that the best thing to do would be to give the money to my parents who reside in Pitt Meadows BC and have them wire it to me. This happened around March or April of 2009.
We are still in contact to this day.

This is one of Patrick Vivians tricks pretending 3^rd person in multiple posts, no doubt about it!

I knew PATRICK VIVIAN is reading here and trying to defend himself.  No one ever say good about him, never!  When you have real nice experience, search his name and post comment on rippoff report?  He did not understand the purpose of ripoff report. What an exceptional dumb con artist. This site is not your blog lol.

Patric vivian, I understood you deceived best friend, girlfriend and family.  Who will be the next person?  How many people sued you in the past two years?  Things happen all the time in your life. You are a real criminal known by RCMP.

http://www.facebook.com/patrick.vivian

This is the best place to get to know about him, bring it on!

P.S. Please remember if you know a suspicious person, try search names on google for reference at least.

First, I'd like to say that I am Patrick Vivian, the accused. I'm going to attempt to respond to all allegations I can with an intelligent and mature demeanor, however will not respond to outrageous allegations. Not only will I, like Jeff, ask for ANY proof of the allegations here, but I will provide an email address at the end of this for anyone wishing to receive proof and references(references will also be posting their own reports about their experiences here) that I have. Something the people here seem unable to do.


"Do NOT do business with Patrick Vivian (FRINGE FINANCING) advertising "unsecured loans" in various craig's list communities (FINANCIAL).  This is a total SCAM, you will be met by Patrick who will ask you for $500 cash to join as member in his finance co-op."

I am not, nor have I been doing loans for quite some time due to the problems people cause.  I had in fact ceased to take on new clients two months prior to this alleged "report".

"This is a total SCAM, you will be met by Patrick who will ask you for $500 cash to join as member in his finance co-op. In return he promises loans from $10,000 to $500,000."

I and my business partner had in fact turned away multiple people based on the information we required. Like any conventional lending institution, we promised only those that met the lending requirements, and would only deal with those that met said requirements.

"you will be told that you have been funded......but no loan funds materialize."

Never have I told anyone they received any amount of funding when they have not.

"Please note that Patrick is currently under investigation by various authorities due the numerous complaints against him."

I am indeed a "person of interest", and have been for I believe almost two years. However, half the country has been, currently is, or will be a "person of interest" at some point in their life, for some reason. I have never been charged or convicted of any crime. Last time I checked, the law states you are innocent until proven guilty.

"Save yourself $500 and months of agony."

Again, I have been turning referrals away for months now, as I refuse to do business in the public sector due to such ridiculous allegations put forth by those that refuse to both identify themselves, and offer proof.

anon1234

"I too have been scammed by Patrick Vivian, along with MANY others."

May I ask your name "anon1234"? May I ask for proof that I have indeed scammed you? Perhaps the names, contact details and proof that I have scammed "MANY" others? Without such information, you could be anyone. For arguments sake, every allegation that starts with "anon" could be alleged by you.

"He will ALWAYS have an excuse for why you haven't recieved your money

.
He will take your money, but not necessarily always hide from you.  Sometimes he will stay in contact and just keeping handing you excuse after excuse"

Things happen, and I've never stated I do not have debts. And yes, you are quite correct...I do not hide from anybody. However, my apparent ability to stay in contact with people(to the point that my personal address and phone number was listed here, which is also against the terms of agreement. Not that I have an issue with that, as I was the one that handed it out to whomever asked.) and in fact not run, shows a rather different pattern contrary to those that are convicted scam artists. Is the point of a scam not to get the money and run? Forgive me, but that was my understanding.

"He has no remorse for what he does"

Not only does this require guilt beforehand, but it also requires an intimate knowledge or what I feel, and when. Neither information you have, or could possibly ever have in the case of the latter.

"...he will take your money and that will be that.  You will NOT get your money back

."

While this was not apparent at the time, it is now evident that some people are saying NOBODY gets their money back, while others are saying they in fact got a loan and a refund, and still others are saying they received some money money back. Again, quite contrary to the established pattern of a con/scam artist.

"If anyone has any dealings with him make sure to contact the police and file a report, he needs to stop hurting so many people!!"

Please do. I'm sure the police would love to hear of your dealings with me. Both good and bad! However, the statement is rather amusing, as anon1234 implies that any and all dealings with me are criminal. Again, a statement that cannot be made without a history of criminal dealings. I have no such history.

Jeff1955

Thank you for your honesty Jeff. You are the first of many I've contacted to put forth your experiences with me.

Matthew

First, let me state Matthew and I used to be good friends. Him and I went in on an investment together, and made quite a bit of money. I went through some troubles, arranged a payment schedule for him at $1000 per week until paid off and everything was fine for a few weeks. At that point, his schooling required more money of him than both him and I had. A fight ensued, and a friendship was lost. He at that point went to the police to try and charge me with fraud, which he could not do. He attempted to take me illegally to court, without my knowledge, which he admits was dismissed. After that point, he contacted an ex-girlfriend(the mother of my daughter) and helped establish a group to not only slander, harass and post malicious ads(not including the facebook group he created which was bent on finding ways to hurt me), but also keep me from my daughter, which he knew would hurt greatly. To this date, I do not legally owe him money, however do feel I have a moral obligation to pay what I promised. Now if only that little group of his would stop doing things such as this, I could make some money to pay debts off.

"He did not. He avoided contact and even changed his address during my experience."

I have in fact moved as needs and circumstances changed over time. However, to say I avoided contact is indeed false. Remember, I have all facebook messages, cellphone/landline records, testimony from witnesses and emails to prove what I am saying.

"Not 100% refund. I received a portion of my initial investment

back, not a 100% refund. I asked several times for complete settlement, no resolution. "

As stated above, he has not received everything. He did in fact ask several times, however due what was happening at the time I simply could not do anything about it, hence the payment arrangement.

"He did not. See first comment."

I did. Please see first comment.

"If you're curious about the resolution of this, see other consumer complaints. People do not generally get investigated on baseless claims."

People in fact do get investigated for any and everything if there are allegations being made. Are you suggesting people that are investigated are already guilty? Perhaps not, but they are always found guilty? Regardless of what you are attempting to say with that statement, it is so ridiculous I got quite a good laugh. Thanks Matt.

"Possible selection bias in references?"

To date, no reference I have that can corroborate my side of the story has been contacted. The bias is indeed there. It is in fact so evident, that an investigation has been launched into the officer handling the case as it is not being conducted in a fair and impartial manner.

"Claiming there are people out to get you is a bad sign; one does not generally attract such ire lightly. Exercise

caution"

I've never claimed "people", but have rather shown evidence of certain individuals such as yourself. Other individuals have been named by those that believe me, and travel in those same groups(and have since been expelled by those groups, due to their refusal to conform). However, you're right. People should exercise caution, and I've never said anything to the affect otherwise.

"I've still got mine; insufficient to launch a court-case. Sufficent enough to cast doubt."

You can keep all the evidence you want, however in the case of fraud it is my belief that it is illegal in Canada to allege such an incidence without proof, due to the detrimental harm such allegations can cause. This however is something I do not have proof of at the moment, as I cannot remember where I read this. However, give me some time and I'm sure I can find it again. Regardless, why would you keep such proof and not give it willingly and freely to those that ask. Even the courts said such "proof" was in fact not "proof" though, so I'm not particularly concerned about this.

"Not cool, on any front. Don't do this people."

Not only "not cool", but very very illegal. A court case is in the making at the moment, and there resources being dedicated to finding out who is doing this. While I do have some names, such as Matthew's, there are quite a few others I will be taking to court and filing criminal charges against.

"We're willing to give anyone proof that we're telling the truth..."

How? Saying you're willing to offer proof, and not offering any way of contact is not very reassuring.

"We have nothing to gain by excluding you; he has a potential client to gain."

If I were still doing work in the public sector, I'd have a potential client to gain regardless of these allegations. However, I am not, and as such this is a moot point.

"As always, question who stands to gain and lose from your actions."

Couldn't agree more.

An101

"I suspected you are Patrick Vivian. I can tell from your writing."

Can't wait to see what you say about the others that will post. I'm sure they and I will be one as well. Can't have anyone saying you guys are wrong eh?

Cindy23458

As far as "Cindy" goes, I'd like to begin by saying she is mentally ill. This is not an opinion, but an actual medical diagnosis, and one she has in my experience never denied. I cannot remember the name of her condition, but she becomes irrationally afraid of the outside world, and violent at times, and have heard of delusions in her case from multiple sources. However!  She is correct when she says I owe her money. I do. I've never, nor will I ever deny this. She is the mother of a friend of another ex-girlfriend that approached me about the prospect of making additional money to supplement her small income. Over the course of approx. a week we discussed options and she took money out of her bank account and asked me to invest it on her behalf. I did so, and also gave her a personal guarantee that I would not allow her to lose it. If she did, I would give her my own money. Now, when I told her of this she became understandably upset. I would be too obviously, but I reassured her I would give her my money to compliment the loss. We attempted to make appointments to give her my money, and I was unsuccessful in meeting with her or her sons. Not due to her fault, or her sons. This was entirely my fault. I was completely bogged down with issues, and running into problem after problem at the time, including a rather messy personal fight(I have pictures) that required medical attention. Eventually, a few months had passed and I finally got the time to go to her house. Upon arrival, there was no answer. This continued for a week. Two. Finally I contacted my ex-girlfriend and attempted to enlist her help, as the sons were currently on vacation in Europe, and not supposed to be back for quite some time. No luck. To this date, I have tried numerous times to contact her and have been unable to do so. Since this point, the ex-girlfriend(mother of my child) has contacted her in an attempt to discredit me in our court case and keep me from my daughter. Not only is this last bit(court case and allegations in court) a matter of public record, but I will give such evidence to anyone that requests it, as well as testimony from an individual that can say the said ex has confirmed she contacted Cindy and has attempted to use her for her own means.

"Patrick Vivian is everything that everybody says he is."

If I am everything everybody says I am, then am I not a scam artist, victim, good and bad person all at the same time?

"He is a pathological liar and a psychopath."

Not only is a psychopath inherently difficult to diagnose, but people go to school for years to be able to do so. Have you received any degree that would allow you to make such a diagnoses? Are you basing my apparent lying on the hearsay of others? If so, this is nothing short of hearsay and opinion. The fact that such a mentally ill individual makes such a statement is, while perhaps not politically correct to say so, extremely amusing to me.

"He has been running this SCAM for years now."

Different people seem to have different stories, albeit with a common theme. Thus, I'd like to say that I have not being doing the same thing for years. In fact, I've held such jobs as telemarketing, warehousing, insurance sales, and others to compliment my investing on the side. While no one has established I've scammed anyone(remember, I've not even been charged let alone convicted, and saying I'm guilty does not make me so), my record will show I have done a multitude of things.

"He has no remorse for what he does and feeds you bullshit about his personal life."

I believe we have established it is at the very least extremely difficult to establish how an individual feels. As for bullshit about my personal life? I've kept everyone up to date with what's going on in my life so they have a better understanding of dates, times, and what to expect. Call that what you may.

"There's an excuse for everything and according to him there is ALWAYS somebody trying to ruin him."

I'd like to ask for your opinion on the difference between a "reason" and "excuse". Is an excuse something that is given if the situation does not go your way? Please enlighten me. As for somebody "ALWAYS" trying to ruin me? Far from. I enjoy a life with many friends and close family members, and the love of a little girl. There are in fact a few individuals that have turned to hatred due to my inability to pay them on a schedule that they approved of. Revenge is so common, that you can find thousands if not millions of examples over the course of written history. Examples of exactly this happening. People get upset and angry, and make false allegations(even if they do not believe it is false) in an attempt to hurt the perceived cause of those feelings and situations that arise.

"Nothing is ever his fault and everybody is out to get him."

Actually, I have never said nothing is my fault. I've taken responsibility for the results of my actions. Even going so far as to tell the RCMP whom I owe money to(on an individual and corporate level), where I move to, my phone numbers and anything else they request(and in many instances, do not request).

"He has a daughter who he doesn't take care of, but claims he can't finance you right away because he is paying child support."

I know whom you are getting your information from, so it might be a good idea to confirm it. My attempt to support my daughter is a matter of public record. I fought for 16 months to see my daughter. I fought for 16 months to establish some kind of child support order, to make sure the non-working mother could provide for our girl. I fought for 16 months to provide financially, emotionally and physically for my child and in any other way I possibly could. Don't ever make another claim like that. Ever.


Now I've not proof read this. This response is just to gigantic for me to dedicate more time to it at this moment, but I'd like to put forth a simple solution. Those that wish to make such allegations should provide an email address where they will provide any and all proof they have that can support their case. I will do the same. Should anyone EVER wish to ask for confirmation of what I say, please don't hesitate to email me at proof of truth at hot mail dot com. All one word(the terms say no email address, so I'm hoping by presenting it in such a manner I get around any automated block against providing email addresses the site may have). Please keep in mind there will be references posting here, and no...they are not me. No matter how much of a writing expert someone claims(or in this case, has not claimed) to be.

The posting by "Jeff1955" talking about a good experience with Mr.Vivian, is no doubt Patrick Vivian himself.  Anyone who knows Mr.Vivian, will see that that rebuttal is worded the way Mr.Vivian talks and it raises the same concerns that Mr.Vivian always complains about.

I had dealings with Mr.Vivian and to this day have not seen a single cent back.  I have heard countless excuses, some very extraordinaire and I have seen countless stories online about him and his scams.  Everyone has the same story.  It's the same pattern everytime.

No one is out to get Mr.Vivian and make false accusations.  People want their money that was so wrongly taken from them, and they have every right to try to get that money back and make people aware of what is going on so more people are not taken for a pricey ride.

Stay away, dealing with Mr.Vivian will only make your bank account smaller and lead to a very stressfull situation.

Patrick Vivian is everything that everybody says he is.

He is a pathological liar and a psychopath. He has been running this SCAM for years now. He has no remorse for what he does and feeds you bullshit about his personal life. There's an excuse for everything and according to him there is ALWAYS somebody trying to ruin him. Nothing is ever his fault and everybody is out to get him. He has a daughter who he doesn't take care of, but claims he can't finance you right away because he is paying child support. DO NOT BELIEVE HIS LIES. save yourself the money and headache

Jeff1955,

I suspected you are Patrick Vivian. I can tell from your writing.

 

 

not only did Patrick stay in touch with us the whole time,
He did not. He avoided contact and even changed his address during my experience.

but he offered a refund before we even asked for it,
Not 100% refund. I received a portion of my initial investment back, not a 100% refund. I asked several times for complete settlement, no resolution.

he did in fact take longer than he originally promised, but always stayed in touch through e-mail or phone.
He did not. See first comment.

he told the truth when asked about being investigated, and offered references for us to check out showing he always came through, even if late.
If you're curious about the resolution of this, see other consumer complaints. People do not generally get investigated on baseless claims. Possible selection bias in references?

he also showed evidence(including e-mails and voicemails) that made us believe that there are certain people out there that are lying about all of this.
Claiming there are people out to get you is a bad sign; one does not generally attract such ire lightly. Exercise caution.

they refuse to give up their names or any evidence to back up their claims.
I've still got mine; insufficient to launch a court-case. Sufficent enough to cast doubt.

they hand out his address and phone number(which this site says they can't do), leave ads about him on craigslist and even contact clients he does business to tell them lies.
Not cool, on any front. Don't do this people.

before believing anything anyone says here, ask for proof! he's willing to give anyone proof that he's telling the truth, so why aren't they?
Before believing anything anyone says here, ask for proof! We're willing to give anyone proof that we're telling the truth, and then allow them to decide what to do. We have nothing to gain by excluding you; he has a potential client to gain. Who has the real motivation?


As always, question who stands to gain and lose from your actions. Real motivations can be divined from such belomancy.

not only did Patrick stay in touch with us the whole time, but he offered a refund before we even asked for it, and still provided us with a loan! he did in fact take longer than he originally promised, but always stayed in touch through e-mail or phone. he told the truth when asked about being investigated, and offered references for us to check out showing he always came through, even if late. he also showed evidence(including e-mails and voicemails) that made us believe that there are certain people out there that are lying about all of this. they refuse to give up their names or any evidence to back up their claims. they hand out his address and phone number(which this site says they can't do), leave ads about him on craigslist and even contact clients he does business to tell them lies. before believing anything anyone says here, ask for proof! he's willing to give anyone proof that he's telling the truth, so why aren't they?

I too have been scammed by Patrick Vivian, along with MANY others.

He will ALWAYS have an excuse for why you haven't recieved your money.
He will take your money, but not necessarily always hide from you.  Sometimes he will stay in contact and just keeping handing you excuse after excuse.

He has no remorse for what he does, he will take your money and that will be that.  You will NOT get your money back.  He is a great talker and could convince you that the sky in green.  Don't fall for his games!

If anyone has any dealings with him make sure to contact the police and file a report, he needs to stop hurting so many people!!