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devilmunchkin
15-07-2010, 06:03:20
:violin:

Remember the ex Andre that I left 4 years ago? Remember how he ran a credit card scam and used my information? I thought I'd caught everything. Apparently not. A place that gave him a loan in my name is suing me for a loan he took out in my name.

Oh yes - my credit is ruined. He also tends to miss car payments on the car that is in my name that he pays for (otherwise he wouldn't have a car).

:vom:

Asher
15-07-2010, 06:10:34
That sucks.

People are assholes. :(

devilmunchkin
15-07-2010, 06:56:23
Forgot to add - I'm sending the prosecuting lawyer a copy of the police report I filed 2 years ago. I had called the cops 2 years ago when the identity theft stuff started. Hopefully that and lack of my signature will make it so that I don't need to get a lawyer.

Funko
15-07-2010, 07:45:03
Good luck! And fingers crossed.

Also, why has he still got a car in your name? Doesn't sound like he can be trusted with it from this. If he hasn't got a car it's not your problem is it?

mr_B
15-07-2010, 08:04:49
good luck muffin

devilmunchkin
15-07-2010, 10:01:19
Back when we were together, he needed a car. The car dealership said he needed a cosigner. Because we were supposed to be together forever (haven't you heard that before), I was going to cosign. However, the dealership switched the names without telling us. I ended up the main signer and he's the cosigner.

He pays the bill on the car and the bank that owns the loan will not let me name off on the car until it's paid off. He's missed payments and the bank has come after me 3 times already - in 4 years. I think I have to sit with this over my head for another 4 - until it's paid off.

And I have to have this identify theft bit hanging over my head forever.

My credit score sucks in spite of my paying my bills on time all of the time (including paying off a car in 4 years).

Lesson learned.

Funko
15-07-2010, 10:23:50
:(

The Shaker
15-07-2010, 18:38:44
I'm sure here you can get things like credit fraud removed from your credit rating...(for a fee I would imagine).
It sucks..(I remembers Mikes housemates ripping off my credit card(allegedly))

ultimately banks problem if they do not make al the checks as to identity.

Lazarus and the Gimp
15-07-2010, 19:21:14
I think someone needs to be quietly escorted outside for a good kicking.

Greg W
16-07-2010, 02:54:41
Only the one?

devilmunchkin
16-07-2010, 09:06:08
the one?

Greg W
16-07-2010, 15:16:54
The one kicking.

MDA
16-07-2010, 15:39:19
is there small revenge to be had in preventing him from ever selling the car?

Funko
16-07-2010, 15:41:04
She can sell it can't she? It's in her name.

Lurker
16-07-2010, 15:45:43
Of course, but most buyers generally like to get possession of the actual car, rather than simply just the title. Maybe it's an American thing.....

Funko
16-07-2010, 15:48:23
:D

Greg W
16-07-2010, 16:02:03
If it's her car... report it stolen! :D

Lurker
16-07-2010, 16:13:50
That's brilliant Greg! Now instead of just getting sued for something the ex did, she can get arrested for filing a false police report. Maybe her lawyer will give a discount for volume work.

Funko
16-07-2010, 16:16:03
Is this because he laughed at my comment about you being a pre-pubescent girl?

Greg W
16-07-2010, 16:17:19
Must be. Sheesh, you can't even make a joke with some people! :(

Either that or he's reached puberty and it's that time of the month!

Funko
16-07-2010, 16:19:15
That's a bit below the belt. You know Lurker's worried about her fish tail!

Greg W
16-07-2010, 16:21:26
Maybe she's worried about the blood attracting sharks!

Funko
16-07-2010, 16:23:36
or Sharktopussies!

fK2bBfuepKk

Greg W
16-07-2010, 16:27:51
Oh.


My.


God.


:vom:

Lurker
16-07-2010, 17:58:14
I was complimenting Greg on his brilliance. Did you not read the first sentence?

paiktis
16-07-2010, 19:36:56
Eh? I've never give anyobdy control over my money!
Dm why did you do it?
Only once one of my girls gave me her bank card and her pin number and asked me to get her some money.
I was tottaly taken aback with such trust. I had a feeling of sweet crying and like someone had grabbed my ass.

paiktis
16-07-2010, 19:44:04
Also, if the car is in your name can't you simply sell it, tell the bank you won't be paying and they can confiscate it and a myriad of other things?

Asher
16-07-2010, 23:05:05
If the car is in her name, she can demand he return the car to her. If he refuses to do so, then it becomes stolen...no?

Lurker
17-07-2010, 03:32:19
Not necessarily.

devilmunchkin
17-07-2010, 06:01:38
Might be hard for me to legally demand the car when he can prove he pays the loan for it and the insurance. It would most likely end up being a long court battle.

paiktis
17-07-2010, 10:32:19
It depends to whose name the car loan is.
If it is in your name then even if the pope was paying for it, it is still your loan and your car and the pope should have been more careful.
At least that's what it's like here.
Don't be afraid to kick some arse, I think the law is on your side in this one. Even if it means screwing up your ex a little bit.

Greg W
17-07-2010, 13:57:55
Depends here. A loan means nothing really, it's the name the car is registered in...

stealth biased
18-07-2010, 14:03:33
hope everything works out for you, muffin.

mr_B
18-07-2010, 16:20:23
yaay

devilmunchkin
19-07-2010, 21:53:26
Car is registered in his name.

There are issues going on in getting the police report. *sigh*

self biased
20-07-2010, 03:16:38
:hugs:

Oerdin
20-07-2010, 03:33:27
Ouch.

Funko
20-07-2010, 07:44:31
Damn. :(

paiktis
20-07-2010, 14:59:43
anathema

Lurker
20-07-2010, 15:53:17
DM: regardless of whether you have a police report, which I agree would be useful, the signature on the loan application is either yours or it isn't. If it is not yours, it will likely be impossible for the plaintiff to establish liability on your part. They would probably have to prove that you either authorized him to sign your name or that you subsequently ratified the loan through some means. Although I don't know the facts, I doubt they would support those kinds of arguments, particularly if the loan was taken out after you two split up.

Funko
20-07-2010, 16:21:28
Is it worth her calling the cops again to report this, as this loan is a new incidence of identity theft and potentially a new case?

Lurker
20-07-2010, 17:58:44
Maybe, depending on all the facts. I wouldn't hold my breath waiting for the police to do anything, though.

MDA
20-07-2010, 18:38:36
You need a bunch of overprotective older brothers.

paiktis
20-07-2010, 22:15:23
I volunteer.

Japher
20-07-2010, 22:28:49
Seeing as I'm back in California I could probably be of service... though I am pretty worthless

Greg W
21-07-2010, 02:17:24
At the end of the day, unless I am misunderstanding what you said, you never signed the loan documents. So I think they'd have a very hard time suing you. And it could be the perfect way to get it off your back. Sue them back for fraud, defamation and for damages for ruining your credit history. Or something, I ain't no lawyer type.

I am pretty sure though that without a signature from you, they have no case at all. Unless you have some very strange laws in Cali. And you do(did?) have Arny as governor, so who knows.

Snotty
21-07-2010, 15:15:03
Sounds like someone needs the cunt kicked out of him. But youre a girl, so you wont go for it. Thats why arseholes can get away with it, time after time :(