[TheForge] reversal of fortunes in a blink of an eye

[Keziah's Forge]

SO, let me get this straight.  Someone I have no connection with pretends to 
be me, and has a credit card issued, i.e. opens an account  without my 
knowing or signing for anything, applying for anything or agreeing to 
anything or even knowing anything  about it.   He charges things to that 
account/card himself, again without my ever even knowing about it or having 
enything to do with it.  I never pay the bank anything, because I didn't 
open the account or make the purchases.  The scumbag stole the card, i.e. 
obtained it by a fraud on the bank, and did a bunch of other fraudulent 
transactions that I had nothing to do with.  So the bank can't collect from 
the scumbag.  So I am out the money ?

I don't think so.  I am out the trouble and cost of  proving I don't owe it, 
maybe, when the bank tries to collect from me, or of pointing out that the 
bank can't prove that I do  owe it because I never applied for or signed 
anything, but I am not out the money.



----- Original Message ----- 
From: "terry l. ridder" <terrylr at blauedonau.com>
To: <munlaw2 at hcsmail.com>; "Blacksmithing List Sponsored by ABANA" 
<theforge at mailman.qth.net>
Sent: Thursday, May 28, 2009 2:24 PM
Subject: Re: [TheForge] reversal of fortunes in a blink of an eye


> hello ron;
>
> On Thu, 28 May 2009, Ron Childers wrote:
>
>>
>> I thought Federal law limited exposure to $50 if a credit card # was
>> stolen....
>>
>>
>
> that is true is the credit card was stolen. with identity theft the card
> is not considered stolen. their reasoning on this is that you the victim
> never possessed the credit card therefore it can not have been stolen from
> you.
>
> a friend went through this last year. he just kept getting the run
> around from the bank. he finally hired a lawyer to track down the low
> life and after several months they found the low life . he was all ready
> held on other charges in kane county illinois. my friend has never
> received any restitution. so my friend is out the original amount the
> low life ran up on credit cards but also the lawyer's fees and legal
> fees.
>
> banks will find any loophole they can to stick it to you the victim.
>
> no matter how poor you are there is always some low life out there that
> wants to take your last penny.
>
>
> -- 
> terry l. ridder ><>
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