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Holy Shit!

The Cabl3 GuyThe Cabl3 Guy Elite Ranger
in Zocalo v2.0
Ok so I check my credit report recently & wow umm. Well according to this I owe $237,000! I took out a Mortgage?! BANKS & CREDIT CARDS?! & a loan?

Shit I am really pissed off because I know exactly who took all this crap out under my name. MY MOTHER & I know she can't pay for it she went bankrupt, IN VALENS NAME!

Man I don't know how I'm gonna move out now...
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Comments

  • Entil'ZhaEntil'Zha I see famous people
    Re: Holy Shit!

    [QUOTE][i]Originally posted by The Cabl3 Guy [/i]
    [B]Ok so I check my credit report recently & wow umm. Well according to this I owe $237,000! I took out a Mortgage?! BANKS & CREDIT CARDS?! & a loan?

    Shit I am really pissed off because I know exactly who took all this crap out under my name. MY MOTHER & I know she can't pay for it she went bankrupt, IN VALENS NAME!

    Man I don't know how I'm gonna move out now... [/B][/QUOTE]

    well, there are Legal remedies...
  • A2597A2597 Fanboy
    Thats right, You can Sue your mom!

    Sad to say it, but a legal method may be the only way to fix this.

    and I thought I was having a bad time with finances for forgetting to carry a couple checks forward and bouncing a payment... Seems like nothing now...

    Good luck!
  • sleepy_shadowsleepy_shadow Ranger
    I don't think any agreement can be valid, without the handwritten or digital signature of the person involved.

    Thus, unless you signed an agreement... authorized someone to sign in your name (requires notary certification in most countries)... or gave someone your ID card with the PIN to unlock its highest-grade private key... it should not be valid.

    At least theoretically. Working with multiple assumptions here, so not certain.
  • The Cabl3 GuyThe Cabl3 Guy Elite Ranger
    I have no idea! but there is no way I could have done it I WAS 13 at the time of the loan! I didn't have any ID till 03 when I got my passport.

    I won't sue my mom that would probaby just make it worse for everyone.
  • MundaneMundane Elite Ranger
    [QUOTE][i]Originally posted by The Cabl3 Guy [/i]
    [B]I have no idea! but there is no way I could have done it I WAS 13 at the time of the loan! I didn't have any ID till 03 when I got my passport.

    I won't sue my mom that would probaby just make it worse for everyone. [/B][/QUOTE]

    Well, that makes it worst for you, and anyway, since you were 13, I suppose that it was not legal for you to have a loan at that age? I dunno what the rules are where you are...
  • SanfamSanfam I like clocks.
    In NY, I imagine that it's probably illegal.
  • Entil'ZhaEntil'Zha I see famous people
    [QUOTE][i]Originally posted by Sanfam [/i]
    [B]In NY, I imagine that it's probably illegal. [/B][/QUOTE]

    I dont see how anyone under the age of 18 can get approved for a mortgage.

    when i tried to get one at the age of 22, they went over my life with a fine tooth comb, and there is now way they would miss the fact that the applicant is underage with no income.
  • FreejackFreejack Jake the Not-so-Wise
    [QUOTE][i]Originally posted by The Cabl3 Guy [/i]
    [B]I have no idea! but there is no way I could have done it I WAS 13 at the time of the loan! I didn't have any ID till 03 when I got my passport.

    I won't sue my mom that would probaby just make it worse for everyone. [/B][/QUOTE]

    But you did have a Social Security Number, and given the right method of application, that would be all she'd need....

    In addition if you are the only "signer" on any of these debts, not only would they be void since she forged your signature, but also void since you were not of age...

    You may not need to sue your mother directly, but make these creditors aware (if they are not already) that your mother used a minors name and SSN to defraudulent their organization. Dependant upon the situation this may also negate any bankrupcty settlements she received since there was fradulent intent.

    Jake
  • The Cabl3 GuyThe Cabl3 Guy Elite Ranger
    I can't sue her she has no money. Shes living with my grandmother thats how desperate her situation is right now. I don't really want to get into it but I don't have any way of paying for a lawyer & she sure as hell doesn't.
  • Reaver4kReaver4k Trainee in training
    Sounds almost a Reflection of my life. LOL.... Except my mom would not do somthing like that to me.
  • ShadowDancerShadowDancer When I say, "Why aye, gadgie," in my heart I say, "Och aye, laddie." London, UK
    shit man thats harsh!:(
  • croxiscroxis I am the walrus
    You need to contact your creditors and get this fix. This type of thing will practically destroy any hope you have to get a decent credit rating for the rest of yoru life.
  • The Cabl3 GuyThe Cabl3 Guy Elite Ranger
    Well I tried calling the bank in question & no one is picking up. I've tried three times now & can't get in touch with anyone. The 800 number I was givin is also crap I call up & get the same spanish lady all the time. "no cant we cant authorize this sir. You have to use the [I]other[/I] toll free number & that one is even worse. Finally I call the bank directly & no one picks up. Im suspecting it may not even be her now who knows.
  • BigglesBiggles <font color=#AAFFAA>The Man Without a Face</font>
    Whatever you may or may not want to do, you need to get this fixed or you'll be unable to do important things like get a mortgage or a loan to start a company later in life.
  • Reaver4kReaver4k Trainee in training
    Its so wonderful how a thing like this can fuck fuck up your life these days.... Which is why i am trying to stay away from taken out loans and stuff.

    Ahh.. the joys of being poor.....
  • JackNJackN <font color=#99FF99>Lightwave Alien</font>
    In the USA , the FBI can do a lot. This is Fraud/Identity Theft.

    The natural parents of our Foster Children pulled that stunt. Even tried to claim them on their tax returns to get the credits, when they hadn't had the children for several years.

    :rolleyes:
  • FreejackFreejack Jake the Not-so-Wise
    Jack,

    Neat to hear you're a foster family, few acts are as selfless...

    My two younger sisters were adopted.

    Jake
  • The Cabl3 GuyThe Cabl3 Guy Elite Ranger
    FBI...:(



    Thats not good.


    Maybe Mulder will come & find out what planet my mother is on. :(
  • PSI-KILLERPSI-KILLER Needs help
    Try the federal trade commision first, If you are in the U.S. FBI dudes I would not trust with your mother.


    [url]http://www.consumer.gov/idtheft/[/url]
  • the_exilethe_exile Kupo!
    Tried contacting your mother?

    [QUOTE][i]Originally posted by PSI-KILLER
    [/i][b]FBI dudes I would not trust with your mother.[/B][/QUOTE]:eek:
  • PSI-KILLERPSI-KILLER Needs help
    Yeah I just called Ma. she is OK.

    FBI is J Edger Hoover land.. scary stuff.
  • JackNJackN <font color=#99FF99>Lightwave Alien</font>
    [QUOTE][i]Originally posted by The Cabl3 Guy [/i]
    [B]FBI...:(

    Thats not good.
    [/B][/QUOTE]

    It's called tough love. WHat she did is wrong, no matter how much you love her.

    :(
  • JohnDJohnD Ranger
    [QUOTE][i]Originally posted by PSI-KILLER [/i]
    [B]Yeah I just called Ma. she is OK. FBI is J Edger Hoover land.. scary stuff. [/B][/QUOTE]

    Have you actually done any business with the FBI?
  • The Cabl3 GuyThe Cabl3 Guy Elite Ranger
    It wants me to file a police report. :/

    Im not ready for this I'll wait till I hear from her. This is too much right now to start filing a report with the FBI.
  • E.TE.T Quote-o-matic
    [QUOTE][i]Originally posted by Entil'Zha [/i]
    [B]I dont see how anyone under the age of 18 can get approved for a mortgage.

    when i tried to get one at the age of 22, they went over my life with a fine tooth comb...[/B][/QUOTE]Yeah... I don't know how things are there but fact that papers are "signed" with name of 13 year old should make warning lights flash on bank's side so this might become quite "termite hill" to investigate.


    "Love your enemies just in case your friends turn out to be a bunch of bastards."
    -R. A. Dickson
  • The Cabl3 GuyThe Cabl3 Guy Elite Ranger
    Ok so I got in touch with my mom. She knows nothing. I still haven't got a response from the bank in question either.

    The Credit Agency is already doing their own investigation which will take 30-45 days & I have to pay the $10 fee.

    Right now Im not panicing cause no one is at my door & that stuff from 1999 is the only thing on there. So whoever it was went on a little spending spree & then never used my name again. It may not be my mom it could have been anyone I don't know how? But I know they are laughing in the darkest dungeons of the internet.

    I honestly think this stuff will be cleared. Since there absolutely no way in hell I could have taken a mortgage out.
  • Reaver4kReaver4k Trainee in training
    Good Luck, Mate.
  • JackNJackN <font color=#99FF99>Lightwave Alien</font>
    You realize of course that I said what I said with the assumption that it was your mother like you had thought originally...

    ;)
  • PSI-KILLERPSI-KILLER Needs help
    [QUOTE][i]Originally posted by JohnD [/i]
    [B]Have you actually done any business with the FBI? [/B][/QUOTE]



    Well I have sold some electronic parts to them here in NYC, the agents always use their goverment issued purchasing credit cards. It is rare through, definitly not on daily or even quarterly bases.

    I remeber in the late 70's or early 80's going on tour of the FBI building in D.C. when I was a youngin.. They had a huge picture of J Edger Hoover staring at you.. Scary stuff
  • JohnDJohnD Ranger
    [QUOTE][i]Originally posted by PSI-KILLER [/i]
    [B]Well I have sold some electronic parts to them here in NYC, the agents always use their goverment issued purchasing credit cards. It is rare through, definitly not on daily or even quarterly bases.[/B][/QUOTE]

    FBI employees aren't as scary as you'd think. One of the engineers at work had an interview with one of them when his friend was hired for a government position, and from what he told me the FBI guy was completely polite and friendly.
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