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Additional Details
I'm the one who ... |
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Niki R | I need help . my friend open a credit card in my named and she add her self as a authorize user .? |
she apply thru the telephone she have used the card in her named and also made payments. i call the card company and close the account. but they are still want to charge me for the amount. they said im the primary card holder . |
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Studly
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Lordpil has the only decent answer in this mess.
No, you do NOT pay this debt and then dispute it...that's nuts!
What you do is file an identity theft complaint. But note that if you do, you will have to turn your friend in. When you file an ID Theft report,you are also supposed to sign an affidavit stating if you know who may have stolen your identity. You lie about it and get caught, you are busted too!
So tell your friend to either pay up or you will be forced to file. |
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lordpil
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That's identity theft -- you don't owe them anything. You need to tell them that your identity was stolen, or obviously you will have to pay the charges. This will result in legal action being taken against your friend, so your choice is to pay the money yourself (and possibly work it out with said friend) or get your friend in very serious trouble. |
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kwflamingo
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Your "friend" is no friend - but someone who has committed fraud against you - press charges. |
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Tryna-Hyde
 |
some friend - geesh! unfortunately, you have to pay it first, then dispute. in the meantime, you can always put a fraud alert on your credit and also press charges against your "friend" for stealing your identity.
good luck. |
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LA
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Talk to your so called friend and ask her to own up to what she did and help you pay the bill. In my opinion this is not a cool friend at all "Whit friends like this you don't need enemies" *** If you really want to teach her a lesson I have an even better idea open a credit card under HER name put yourself as a user and pay your bill whit HER NEW CARD!! "eye for an eye deal" |
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The Answerer
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I don't know where you re from, but over here in India, the credit card provider needs your signature on the credit card application before you can be issued a credit card. If you don't recall having signed on a credit card application form, then you don't have to pay - you didn't apply for the card and you didn't sign for it either. She couldn't simply have added herself as an authorised user, to do that she and the credit card company both need authorisation from the credit card holder first. And if you didn't give her authorisation, then the credit card debt is not your problem. Call them up and tell them what happened. Tell them that it is not your card since you never signed for it or applied for it or authorised her as an user and they re free to sue for return of the debt accrued. If it(applying for a credit card without a signature) was really that easy, anybody could apply for a card in somebody else's name. Osama would probably have bankrupted Bush long ago. |
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The Y!A award Host
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correction>>not friend>>IDIOT |
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becky q
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Didn't you have to sign a form agreeing to a card application and she then sign another section as a secondary card holder? In Canada you simply can not apply and receive a card over the phone with no signatures involved, especially when you are dragging others into the situation.
If there was no paper signed by you you do not owe anything. your 'friend' will be charged with fraud.
You should go to her tell her you plan on charging her with fraud if she does not close off the account and stick to it. Give her 2 days to pay off and close the account and then if it was me I would report it as credit fraud to the credit board. |
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Emerald_Gomez
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damn.. that suxs.. you shouldnt have let her do dat.. gewd thing you closed the account now let the gurl pay for it |
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kapn
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Credit card fraud.........contact the card company and the police......press charges......... |
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abel77460
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my guess is small claims court either that or make ur friends pay for it. you need evidence friend |
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Brennan L
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That is not a friend your friend gave it to you good. You unfortunately are responsible for the balance unless you want to turn her in for fraud because that is what that is fraud |
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