Here are just a few of the autosurfs that have vanished in the last 8 months which, if you have made payments to them, you can possibly recover it ALL back even if you thought the money was lost forever:

911 Hits, Auto-surf.biz, AWD Network, Butterfly Surf, Cash Twist Traffic, EprofitSurf, ExekoSurf, EZ Surf 2 Cash, Fair Dinkum Surf, Gotta Lotta Hits, Grandhits, NewPay.info, PaidResponse, Paid Surfing, ProfitSera, Super Surf, Surf City Autosurf, Surfing Revolution, Top Gun Traffic, VivaSurf

If you have bought credit using PayPal and funded this with your credit card then you can breath a huge sigh of relief. It is probably that you can get all your money back.

There is a huge amount of confusion regarding how best to get a full refund from your credit card companies if an autosurf closes prematurely. The credit card representatives you might speak with very rarely know enough about Paypal, autosurfing or chargebacks to help you. Many people are discouraged when they speak with their credit card company and are told one of three excuses:

- The credit card had no direct contract with the autosurf but with PayPal. Paypal have done nothing wrong and therefore there is nothing that can be done. - The credit card company cannot protect people who've joined autosurf companies as they the autosurf has protected themself with their disclaimers in their terms and conditions. - The 45 day protection cover from Paypal, or the 60 day protection from the credit card is past.

This is where most people give up. If I'd have been discouraged then I'd have most likely flushed about $90,000 down the toilet. Instead I spend time learning all I could about how chargebacks REALLY work, and how to use this power against deceased autosurf providers.

IN MY INVESTIGATION I DISCOVERED:

- PayPal is legally obligated to take responsibility for it's merchants if the buyer has used a Visa or MasterCard, although Amex cards are NOT included.

- Closed autosurfs make one huge mistake in their terms and conditions which gives consumers a legitimate reason for why we deserve a full refund. No matter how much money the autosurf has paid you previously, using this information will allow you to receive all your money back, even if you have received 'dividend' payments in the past.

- With the right information, you can request a chargeback many months after an autosurf has closed. I have successfully received a full chargeback from companies 9 months after I paid them, and 6 months after they closed.

- With a few phrases in your vocabulary you can get even the most reluctant credit card representative to submit your chargeback request.

ACTION TO TAKE TO GET ALL YOUR MONEY BACK:

Your first plan of action is to try to resolve the dispute via PayPal. If you paid money to the autosurf company within the last 45 days then you can use PayPal's "Buyer dispute" service. Seeing as nearly every autosurf and HYIP has been banned from PayPal since April I don't think you'll be able to do this.

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