I have this problem sense 2001 and i dont know what to do.?

Question

My husband family member took a credit card on his name, for 5 thousand dollars and didn't pay, we didn't know about it I comfronted his sister and hubby and they denied it.. I call the credit card people and they say they were going to fix it.. but yesterday i got another bill for almost 3 thousand dollars I thought it was another credit card so I called the colletion company they could not help me all the want was the money. when i compared the two bills the old one and the new one i noticed this bill is the same credit card!! so i called and demand them to tell me what address my husband family knows my real state agent address so they gave me that.. I didnt know my real state agent in 2001 and they say that was the address in the bill.. what the hek happend i dont know should i call mastercard and see if they have more information on how the account got paid some and how the address was changed!

Answer 1

Quit talking to those companies on the phone, send letters, certified mail return receipt, and create a paper trail

Order copies of his credit reports from each CRA (if you haven't already)

File a police report for ID theft.

Send a copy of the police report to the original creditor and include a demand for verification on the account. Request copies of anything that contains the users signature, the address the user used, etc.

Send a debt validation letter to the collection agency.
Do not let your husband sign the letter, have him print his initials or type his name (signatures have a nasty habit of jumping from paper to paper)

After you receive the green cards back from the certified mailings, send disputes to the CRA's for any trade lines that are being reported for this account and include a copy of the police report.

If the original creditor and/or the collection agency verifies the trade lines, file complaints with the BBB, FTC, your AG, the original creditors and collectors AG.

If they continue, your husband might think about suing the original creditor and/or collector. (thats where the paper trail will come in handy to prove that you have tried to resolve it)

Answer 2

First, the credit card company no longer has anything to do with this account. They've sold it to the collection agency and you must now deal with the collectors.

I understand your letter as, "Your in-law fraudulently took out a credit card in your husband's name and never paid the bill.
You complained to the credit company and never heard anything else from them. No one ever paid the bill".
If this is correct, the credit card company won't just wipe away the debt. Because you know who used your personal information the only way to get the debt off your record and onto the in-law's is to file a dispute with the collector and to file a report with your local police AND be willing to prosecute your relative. If you do not do these things you are responsible for the debt.

Answer 3

He's guilty of a crime and should be punished. The UK could have stepped up to the plate and punished him from the beginning, but no, the UK doesn't punish criminals. They were content to give him a slap on the wrist, nothing more. That's when the USA stepped in, and basically said, "If you won't punish him, we will." That's when the Feds started the extradition proceedings. If someone comes into your home and damages your property, it doesn't matter if you left the door unlocked; they are still guilty of a crime. He was offered a plea bargain for a very light sentence (to be served in the UK) years ago. He refused that deal, so now the Feds are throwing the book at him. He could have ended this years ago, but he is stubborn, childish, and refuses to accept responsibility for his crimes. Maybe he will find the aliens he was looking for in a Supermax prison. Virginia is going to bury him. Do the crime, do the time.

Answer 4

Report the family member to the police, and see a lawyer about filing a law suit against him/her and against the credit card company.