Joseph is a pure scam. I am in the US and know that he lives in Big Bear Lake, CA. His mailing address is P.O. Box 1748-92, Big Bear Lake, CA 92315. He banks at Wells Fargo and his so-called accountant/bookkeeper, her name is Janet Chaney. I think he and his wife are both realestate sales people and they have a website - /bchaney.bigbearexecutives.com. I originally got emails telling me I would receive my money back until I wrote to Janet Chaney and called their office. Then the emails stopped coming. They know I am on their trail to find them...... Everyone should write them a letter and let them know we are coming after them.... We can also write the California State Real Estate board and complain of their scam.....