What is the name of your state? New York state
I just returned from the police precinct: my exfiancee could be charged with grand larceny for opening two accounts in my name without my awareness if I decide to go ahead and press charges.
There are 3 accounts: 1) I was primary and he was an authorized user on MBNA account which is now maxed at very high amount; 2) MBNA account that he opened without my awareness, with a $7500 credit limit which he used for balance transfers only, the first fraudulent account; 3) An HSBC account opened again without my awareness, maxed at $7500 also used for balance transfers only. He has been making the small minimum monthly payments on the second accounts but they have now been closed with fraudulent alerts posted to them. I have closed my original MBNA account which now has huge debt completely accumulated by him, with an interest rate around 12%. (Thanks for the great advice here, I obtained my 3 credit reports and found these other 2 accounts!) I live in NY, exfiancee lives in Las Vegas, NV. I am wondering how to proceed. I want him, obviously, to repay the money he owes on the huge debt with MBNA (he stopped making payments in 1/06) so interest adding rapidly now! Afraid if I press charges, I will still be held liable for this huge debt of his! Is there any possibility that MBNA would be more lenient with this debt due to obviously fraudulent behavior acknowledged with this other account? Any suggestions, ideas welcome!!! Thanks...
I just returned from the police precinct: my exfiancee could be charged with grand larceny for opening two accounts in my name without my awareness if I decide to go ahead and press charges.
There are 3 accounts: 1) I was primary and he was an authorized user on MBNA account which is now maxed at very high amount; 2) MBNA account that he opened without my awareness, with a $7500 credit limit which he used for balance transfers only, the first fraudulent account; 3) An HSBC account opened again without my awareness, maxed at $7500 also used for balance transfers only. He has been making the small minimum monthly payments on the second accounts but they have now been closed with fraudulent alerts posted to them. I have closed my original MBNA account which now has huge debt completely accumulated by him, with an interest rate around 12%. (Thanks for the great advice here, I obtained my 3 credit reports and found these other 2 accounts!) I live in NY, exfiancee lives in Las Vegas, NV. I am wondering how to proceed. I want him, obviously, to repay the money he owes on the huge debt with MBNA (he stopped making payments in 1/06) so interest adding rapidly now! Afraid if I press charges, I will still be held liable for this huge debt of his! Is there any possibility that MBNA would be more lenient with this debt due to obviously fraudulent behavior acknowledged with this other account? Any suggestions, ideas welcome!!! Thanks...