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I know but the banks are hoggish ,until the situation will solve I don't know what to do.
Originally posted by Trolloks
Somehow prove that the signature is not yours, if you manage that then you don't have to pay anything.
If you prove that you didnt sign the contract, they have no legal ground to stand on.
I already report it but I didn't have an answer yet.
Originally posted by AnIntellectualRedneck
Notify them in writing or get it in writing that I notified them, notify my creditors and banks immediately that my identity has been stolen, report the incident to authorities.
I wouldn't pay it because that could be taken as an admission that it's my debt.
Every bank has their internal laws,it's hard to fight with a bank for your right.
Originally posted by TinkerHaus
reply to post by diamondsmith
It's not hard at all. There are laws in place to protect you from fraud and identity theft.
You are going to get better answers from Google than you will from ATS - but again, you should look into how to dispute this loan. I have gone through this process after my identity was stolen and checks were cashed tied to my checking account. A loan was also given that I did not request or authorize. I was able to file a verification request - the bank could not verify the loan belonged to me and it was removed from my credit report.
I chose to research and fix this myself but many people choose to hire representation. Do what works best for you.
Thank you very much,I already did I wait for the the lawyer to act though,they say that I have to pay before they solve the case.
Originally posted by conspiracytheoristIAM
First off , don't pay on the loan that isn't yours....by paying you're admitting it's yours . This is probably some kind of identity theft, so you may need a lawyer. Go back to the bank and try to straighten this out with their manager or their attorney....good luck.
Originally posted by diamondsmith
Every bank has their internal laws,it's hard to fight with a bank for your right.
Originally posted by TinkerHaus
reply to post by diamondsmith
It's not hard at all. There are laws in place to protect you from fraud and identity theft.
You are going to get better answers from Google than you will from ATS - but again, you should look into how to dispute this loan. I have gone through this process after my identity was stolen and checks were cashed tied to my checking account. A loan was also given that I did not request or authorize. I was able to file a verification request - the bank could not verify the loan belonged to me and it was removed from my credit report.
I chose to research and fix this myself but many people choose to hire representation. Do what works best for you.
It's a real problem,and thank you for your advice.
Originally posted by TinkerHaus
Originally posted by diamondsmith
Every bank has their internal laws,it's hard to fight with a bank for your right.
Originally posted by TinkerHaus
reply to post by diamondsmith
It's not hard at all. There are laws in place to protect you from fraud and identity theft.
You are going to get better answers from Google than you will from ATS - but again, you should look into how to dispute this loan. I have gone through this process after my identity was stolen and checks were cashed tied to my checking account. A loan was also given that I did not request or authorize. I was able to file a verification request - the bank could not verify the loan belonged to me and it was removed from my credit report.
I chose to research and fix this myself but many people choose to hire representation. Do what works best for you.
Are you in the USA?
There are FEDERAL laws that the banks must adhere to. If you are trying to deal with the bank you are only causing yourself stress.
Instead, go through the correct channels and request that the bank verify and validate the loan. Again, if they cannot do this within 30 days they have to remove the record.
I've already given you the answer, and told you what to look for.. Are you really having a problem or just wanted to start an ATS thread that would go on forever while you ignore good advice?
It is a Real short story.
Originally posted by gabby2011
excuse me.. is this just a short story?
I don't understand why it is under short stories..?
As I understand I am not the only person at this bank with this problem.
Originally posted by mikellmikell
The person who signed the papers will be on camera. Tell them you want the video. I paid off my credit cards last year and closed them. I the last couple of weeks I have started getting bills. What a pain to get it straightened out. Wait till my lawyer bills them