Money Gram is a very legit company and saved me over $700 one time! I was very naive about ordering things online and I found a website that claimed to have a camera I was interested in - for several hundred dollars less than everyone else. I ordered it. They only accepted Money Gram. I sent the money but nothing happened. When I contacted Money Gram, they had put a "hold" on my account when they saw the person's name I was ordering from. This person was a HUGE scam artist - from RUSSIA. (I thought I was ordering from the UK) I have thanked Money Gram and am still singing their praises! That was about 4 years ago, and I'm so much more careful now - and a lot more educated on what to look for and what not to do. Never - EVER wire money to someone you don't know.