ChatterBank1 min ago
Fraud
Having split from his partner, a friend’s son has since discovered that she ordered several thousand pounds worth of clothing and other items using his bank cards. As far as I can ascertain having entered into credit agreements with on-line companies, she has now presented him with a number of final demands for payment and the companies involved have told him that since he was living at the address when the orders were placed he is responsible for payment.
It’s impossible for him to prove to his bank that he didn’t place the orders, but he didn’t, so what’s the solution? Must he just grit his teeth and bear it?
It’s impossible for him to prove to his bank that he didn’t place the orders, but he didn’t, so what’s the solution? Must he just grit his teeth and bear it?
Answers
First thing he needs to do is check his credit report with someone like Experian. That should at least tell him all the credit accounts in his name. Second is collect all the info together insofar as possible. ie item, date of order/
10:16 Wed 05th Feb 2020
If you give others information on your card such that they can use them, isn't that your responsibility as far as the banks are concerned ? The legality of actually using them without permission is a different issue, so maybe get a solicitor to plan what next regarding any accusation of theft (or whatever it's called legally).
First thing he needs to do is check his credit report with someone like Experian. That should at least tell him all the credit accounts in his name.
Second is collect all the info together insofar as possible. ie item, date of order/delivery etc. What email address did these companies have? Normally they require an email or at least a phone number. Does he have any text messages or phone messages from her?
He then needs to report this to the police. Yes he can see a solicitor but ultimately it is the police he needs to involve. This could constitute a number of potential charges - depending on what happened and when etc. Without the police involvement the companies will continue to pursue him. He needs to be firm with the police since if he did not give her permission to use his card (there is a difference between explicit permission and hiding your cards) this IS a crime.
Second is collect all the info together insofar as possible. ie item, date of order/delivery etc. What email address did these companies have? Normally they require an email or at least a phone number. Does he have any text messages or phone messages from her?
He then needs to report this to the police. Yes he can see a solicitor but ultimately it is the police he needs to involve. This could constitute a number of potential charges - depending on what happened and when etc. Without the police involvement the companies will continue to pursue him. He needs to be firm with the police since if he did not give her permission to use his card (there is a difference between explicit permission and hiding your cards) this IS a crime.
My husband knows where my cards are and I, his
But I’ve never ever used his card and he’s never used mine , then again, IPSec don’t leave them lying around, if said cards were in this mans wallet then surely he’s must have given her them to use but I’ve they were ‘lying around’ he was inviting theft, does she have a bad credit rating that she never had her own cards? Very tricky situation this is for him, I hope he doesn’t have to pay
But I’ve never ever used his card and he’s never used mine , then again, IPSec don’t leave them lying around, if said cards were in this mans wallet then surely he’s must have given her them to use but I’ve they were ‘lying around’ he was inviting theft, does she have a bad credit rating that she never had her own cards? Very tricky situation this is for him, I hope he doesn’t have to pay
// I don't think you can have a joint credit card. .......
responsible for the debt.//
there are some pretty terrible answers around
not Barmaid who is wonderful as ever
as far as I am concerned you can have joint credit cards and the creditor can go after any of the holder for the whole of the debt - ("jointly and severally liable.") - judge judy is full of it
I havenever heard of anyone being successful in saying "o that is mine - that one isnt - yes that one is" and the creditor saying - "great well I will go after someone else for the rest of the debt then"
no indeedy
responsible for the debt.//
there are some pretty terrible answers around
not Barmaid who is wonderful as ever
as far as I am concerned you can have joint credit cards and the creditor can go after any of the holder for the whole of the debt - ("jointly and severally liable.") - judge judy is full of it
I havenever heard of anyone being successful in saying "o that is mine - that one isnt - yes that one is" and the creditor saying - "great well I will go after someone else for the rest of the debt then"
no indeedy
