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dfritz001
Joined: 10 Jun 2008
dfritz001's page
Posts: 1
34 Magic Points
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Subject: Help with loan thats not mine!
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Tue Jun 10, 2008 6:15 pm
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| My daughter got a Dell account in her business name. I was used as a cosigner but I just found out today when the CA called. I do not want to press charges against her because of my grandchildren. Can they still hold me responsible since I never signed any papers? Nothing was signed in my name at all. Thanks so much for your help. |
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CMBV22
Joined: 08 May 2008
CMBV22's page
Posts: 382
4309 Magic Points
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Tue Jun 10, 2008 6:36 pm
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I would send a written request asking for proof that you signed a contract agreeing to pay any defaulted loans. IF they cannot provide it they are violating the FCRA and they must remove it or leave themselves open to a lawsuit.
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scott
Joined: 28 Jun 2006
scott's page
Posts: 462
10934 Magic Points
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Wed Jun 11, 2008 6:38 am
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Hi dfritz001
Since you have no signatures on the loan agreement, you are not at risk. If they at all call you for the debt, you can ask for a copy of the loan agreement papers to find out whether you have your signature on it or not. If you don't find any signatures on the documents, you can challenge them and even threaten them to complain to the FTC if they hold you responsible for the debt.
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SCOTT
Use your credit account responsibly and enjoy a debt free life. |
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Morningstar
Joined: 17 Apr 2007
Morningstar's page
Posts: 601
11 Magic Points
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Thu Jun 12, 2008 12:04 pm
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I wonder if you are just a reference, and not a co-signer...and the CA is trying to manipulate you into paying.
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I don't dream since I quit sleeping |
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Thu Jun 12, 2008 9:36 pm
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| Thank you all for your help! Your answers made me feel so much better. RMS(Receivable Management) said that I was listed as a personal gurantee so I am assuming that is like a cosigner. Someone named Gary from RMS called me last night. I asked if he could send me copies of the original loan papers that had my signature on it.....and he HUNG UP on me!! Maybe that's a good sign?!! Thanks again everyone for your help and advice. I appreciate it! |
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CMBV22
Joined: 08 May 2008
CMBV22's page
Posts: 382
4309 Magic Points
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Fri Jun 13, 2008 6:55 am
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WOW, thats rude. I would def send that request in writing.
_________________
****************************
Free sample letters,
info on paying off payday loans,
and quick credit repair tips.
Pesonalized credit repair advice in the forum:
www.homecreditrepair.net
http://homecreditrepair.hqforums.net/ |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1308
28489 Magic Points
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Fri Jun 13, 2008 9:15 am
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Hi
In such a situation I would have sent a certified mail asking them to send me a copy of the loan agreement papers which has my signatures that would validate my accountability towards the loan. If they cannot, you can threaten to take them to the FTC if they disturb you again.
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Keep in touch
Carol |
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