 My credit card company has charged me £12 late payment fee even although I sent the cheque in plenty of time. |
| When I called them to complain they claimed the payment had now been received but due to the christmas post and the days the bank was closed over the festive period that my payment had been delayed ... |
|
 Credit Score, Good/Bad? |
| Ok I have one credit card with a limit of $500. I've had it since February 2007 and have been paying off bills fully and early every month. My credit score shows 723. Is this good/bad/alright?... |
|
 Credit card question? |
| I currently have a credit card that was always paid on time, I sent money last month and there saying they never recived it and is asking for 200 in overlimit charges. They have always had high ... |
|
 Im getting married soon and desperatly need a loan, got real bad credit, and bank refused, any ideas?? |
Additional Details
ok so for all u pple giving me stick about getting married when financis are no good, 5 years ago, after a divorce and death of my baby i suffered a nervous break ... |
|
 I would like to get a credit card? |
| I'm a full time college student and would like to start earning credit for later in life. I don't have any student loans that will earn credit (have a full ride). My sister mentioned ... |
|
 Does marriage effect good credit? |
| I have great credit, my boyfriend on the other hand has very bad credit. We have been talking marriage for quite some time now and always just thought that with the current situation we would use my ... |
|
 I work,i have a mortgage, i have a car bought on hire purchase,Bank loan,so why wouldnt Currys give me credit? |
hello, i went to Currys electric store to buy some goods on credit (TV, fridge), did the hp check & it refused me credit.
does currys have their own credit rating?
i have never been ... |
|
 I have no credit and i need to get a personal loan quick!!? |
i have no co-signer and i need a loan
i haven`t started a line of credit yet!
and i don`t want a credit card!... |
|
 How bad is our debt? |
| My husband and I have a total of about $20,300 of debt all together (credit card and student loans -- heavy on the student loans). How bad is this? I am 23 and going to graduate college in December --... |
|
 I'm 18 years old: no credit, how can a bulid up good credit? |
| I'm getting a cell phone bill in my name and have considered a credit card---the basic rule being that I only spend what I can afford, I had a credit card in the past (in my grandfathers name, ... |
|
 Is bankrupcy better than dept consolidation? |
64 years old, amount owed is approx 25,000 in credit card debt, retiring in 1 year, unable to continue full minimum payments and still keep my car.. (Got in too deep!)
Additional Details
... |
|
|  |
curious | Would you report your own mother to the authorities for identity theft? |
my mother has open various account under my name and now they are into collections. i dont know what to to becasues i couldnt live with that in my concious all my life......but then on the other hand my husband is pressuring me to do something about it.... what should i do? my mother still all school age kids which need to be taken care of and also is someone sick. |
 |
 
magy
 |
Absolutely. What she did is illegal, immoral, and screwing up YOUR life. You have 2 choices- pay them all off to work on getting your credit somewhat right, or report her and work on getting this all straightened out without having to pya through the nose.
Let her get away with this, she'll keep doing it again and again- it will only get worse. Sure, she's your mom, but your her CHILD- how could she hurt you this way? |
|
Bigboi47
 |
This is a tuff situation to be in I would first talk to my mother to see if she will agree to pay the bills. If not you are on the hook unless you report identity theft. Desperate people do desperate things but that is no excuse for what she did to you. |
|
enjoisk8a
|
Talk to your Mom and ask her if she can close the accounts under your name and to pay for the collections. If she does not close them report them to the police for identity theft. It isn't right for you to lose money. |
|
Gatsby216
 |
You said your mother has school aged kids, right, so why would she commit a criminal act, isn't that not really caring about you or those kids. OK, you are saying you have to care, but she does not? Not logical.
Do not feel guilty. You are the victim. What you are doing is avoidance, trying to sweep this under the rug. You need to put your marriage first. Your husband may be sitting by and letting you manage this, but when you can't buy a house, or can not get an apartment, or you get sued, due to the bad debts he will blame you for not dealing with the situation. And you set a bad precedent for how you work together.
I think you may be doing the thing where people over exaggerate a situation, why does you reporting her for fraud mean she can not take care of the children? I guess you are assuming will do jail time? Is she on parole of have previous convictions, if not then she most likely will not do jail time, but you would have to speak to the local prosecutor to get a better understanding of what happened.
1. Pull your credit report and review the accounts. Go to FTC.gov. What has been opened, what is past due etc.
2. Tomorrow set up a meeting with a local CCCS office that can give you advice and support.
3. What do you want done? This may not be the first or last time she does this. You may need to press charges, just to give her a wake up call and stop others from being victims.
Does she have the means to pay you back? If so will she do it?
4. You need to schedule a short meeting with her to let her know one simple thing. That you are are going to get this situation resolved, NOW! Make sure you are very direct say you are very disappointed and hurt, and if she is sad for what happened then she needs to PROVE that by working with you to get this resolved. Keep it short and leave. Do not do the huggin and crying thing, she can do that herself.
Let her know this has caused some damage to your marriage, also be direct.
The fact is you most likely will have to file charges to have the creditors consider this fraud and remove it from your file.
a> |
|
Jennifer F
|
My step-son's real mother did this to him when he was growing up. He's 29 now and will NEVER be able to get decent credit. The debt in his name is overwhelming and most of it was wracked up against him before he ever turned 16.
You say she still has school aged children. Well, think about this... if she did it to you, what makes you think she won't ruin their credit too before they even get started?
I know it's a painful decision, you have to live with the consequences of what you decide, and pressure from your husband doesn't help. BUT I can see how this situation affects him also.
I understand she is your mother, but who do you need to be thinking about the most - the innocent children or an adult who is using her children with no consideration or concern for the impact it will have on them when they become adults - YOU included.
If you remove the emotion (family factor) from the equation, it's a matter of wrong vs right, illegal vs legal. |
|
bloemkool
|
of course and let arrest her, bring her to jail only on water and bread, ....
Speak with her, say to her that this way of doing is not the correct way. Don't agree with her pratices but try to be comprehended. |
|
silentpath2003
 |
i would say you are obligated to pay all those collection, if you don't wanna report identity theft. But i understand that is hard for you, coz i had same problem as yours before, its like my mom brought me some financial problems. If i were you, i would talk to her, i would help her pay off the collections, but she has to promise never do such thing again. If she can't, just take some legal action. |
|
micheal s
|
http://creditreport-s.blogspot.com/
what about this? |
|
matt m
|
yes. report it. another thing you haven't mentioned is that it's ruining your credit. You need a police report and to press charges to get that stuff off your credit report. Also, I would imagine it's going to put a strain on your marriage. If i was married to a woman that would stand by and let her mother get away with something this stupid after continuously encouraging her to report it, I'd have to think about getting out of the marriage |
|
VideoCreditScore
|
Your story is more common than you think. A lot of id theft occurs from friends or relatives.
I'll let others address the legal question. One thing is certain, you need to severe all financial ties to her and that means getting these accounts paid off - if you can manage-, and then closed down.
You should consider a credit freeze on your account to keep her from repeating her past ills against your credit. You can learn more about these in our Lesson 9 on the subject. Regardless of your legal decision, you will need to take action on your credit. Best wishes to you. |
|
Zzyzx
|
You are in a catch 22...
The only way you can get the creditors off your back is to tell them you didn't open the accounts.
The only way to do this is a police report.
All of these negative marks on your report will cause your auto insurance to go up, credit card rates will rise, and you could even not get a job. |
|
xbluebellax
|
Confront her with it. Tell her that you will call them if she doesn't stop. But give her a second chance first. If she blows it, then she blows it and has no one to blame except herself. |
|
src50
|
What's more important: your relationship with your mother or your own financial future? That's the decision you need to make. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
13 | 6 minutes(s) ago
| | | |
13 | 10 minutes(s) ago
| | | |
13 | 32 minutes(s) ago
| | | |
13 | 56 minutes(s) ago
| | | |
9 | 3 hour(s) ago
| | | |
13 | 5 hour(s) ago
| | | |
14 | 8 hour(s) ago
| | | |
12 | 10 hour(s) ago
| | | |
13 | 1 day(s) ago
| | | |
13 | 5 day(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
