UBI Payment Services is still at it. Mother-in-law received letter dated "December 21" stating she was a finalist in a contest of skill to win $5000.00US, and all she had to do was complete a puzzle. (maybe someone can help us with this one - Circle the correct answer 20+5= 25 21 23 ). She just knew she was a winner!!! I have printed many of the other complaints to show her she isn't the only one. We are so thankful we we caught this one, and thankful to the others who have posted here. This will be turned over to the Post Master. read full review »