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

[terry l. ridder]

hello jim;

On Thu, 28 May 2009, James Binnion wrote:

>
>  I had this happen to me last year. Some one started using my ATM
> card for all kinds of crap, looked like it was sold to a hacker site
> as many purchases from different areas.  There was no problem with any
> fraudulent charges. I just had to identify the fraudulent charges and
> the bank returned the money to my account. We notified the credit
> agencies got new card etc. A big pain in the ass but not really a big
> deal overall. So I think your friend needs to look into this more, if
> there is fraud involved the debts are legally not his responsibility.
> So either there is more to this than he is letting on or he has a
> really crappy lawyer.
>

neither of the above. he could not prove that he did not make the
purchases. the purchases were for common everyday expenses. fill-ups od
gasoline at the local road ranger, groceries at the grocery stores, hair
cuts at the local hair style place. none of the places where purchases
were made had a video record of the transactions. even though my friend
had many friends testify that he has never had even a debt card that he
paid with a personal check or cash the court ruled in the bank's favor.
he never knew something was up because there were no goods ordered that
needed to be delivered. his lawyer filed an appeal and even there the
appeals court sided with the lower court. by the time he became aware of
the problem there was all ready several thousands of dollars charged to
the credit cards. it all boiled down to not being able to prove that he
did not purchase the services or goods. the low life was not going to
testify that he committed the fraud and made the purchases. it is a sad
situation when the victim is victimized again in the courts.


>
> Jim
>

-- 
terry l. ridder ><>