What is the name of your state? Indiana Six years ago my sister was a friend to a woman who was physically disabled and was on SSI disability. In the course of things there were many times that the friend was unable to get out and purchase items that she needed or wanted. Her social security was directly deposited to her account and her bills were automatically withdrawn from her account.
After my sister had known her for over a year she started having my sister go to stores and purchase items for her with her credit card. She also decided to have my sister put on her card as a signor. Most of the items were clothing she needed. About three years ago the friend went to live with her elderly mother and that was pretty much the last time my sister seen her except for an occasional phone call.
Anyway last year the friend passed away. All of the sudden the credit card company contacted my sister when the payments stopped and they could not get a hold of the friend. My sister told them that her friend was deceased. That’s when they informed her that she would be responsible for the charges on the card. Some of them my sister signed for and some of them the friend did and my sister said she pretty much figured the items that she purchased when she knew the woman were probably already paid for.
She asked the people at the credit card company why she was being held responsible for items that were purchased for the creditor. Then she also asked them if they could provide her with a copy of all of the purchases made from the time she started helping her friend up to the day she passed away.
Here’s what they said, we are not allowed to send you copies of the purchases. You are not within your rights to have access to that information.
My sister said ok, yet you are going to try to make me pay for items that were not purchased for me.
Can they hold her responsible for an account that did not have her name on it? The bill came in the friend’s name only. She was placed on the card as an authorized user.
After my sister had known her for over a year she started having my sister go to stores and purchase items for her with her credit card. She also decided to have my sister put on her card as a signor. Most of the items were clothing she needed. About three years ago the friend went to live with her elderly mother and that was pretty much the last time my sister seen her except for an occasional phone call.
Anyway last year the friend passed away. All of the sudden the credit card company contacted my sister when the payments stopped and they could not get a hold of the friend. My sister told them that her friend was deceased. That’s when they informed her that she would be responsible for the charges on the card. Some of them my sister signed for and some of them the friend did and my sister said she pretty much figured the items that she purchased when she knew the woman were probably already paid for.
She asked the people at the credit card company why she was being held responsible for items that were purchased for the creditor. Then she also asked them if they could provide her with a copy of all of the purchases made from the time she started helping her friend up to the day she passed away.
Here’s what they said, we are not allowed to send you copies of the purchases. You are not within your rights to have access to that information.
My sister said ok, yet you are going to try to make me pay for items that were not purchased for me.
Can they hold her responsible for an account that did not have her name on it? The bill came in the friend’s name only. She was placed on the card as an authorized user.