Crazy Girl

[PAULC]

Wh
at is the name of your state? MARYLAND
I DATED THIS GIRL FOR SUMMER.SHE PUT ME ON A CREDIT CARD OF HERS,I DID CHARGE SOMETHINGS,BECUASE SHE OWED ME MONEY THAT I LENT HER.THE MONEY I GAVE HER WAS CASH.WE BROKEN UP 5MONTHS AGO AND KNOW SHE IS ALL OF A SUDDEN CALLING ME AND SAYING THAT I OWE HER MONEY AND SHE IS TELLING THE POLICE.SHE IS SAYING THAT THIS IS FRAUD.SHE KEEPS CALLING ME,5 -6 TIMES A NIGHT .I HAVE ASKED HER TO LEAVE ME ALONE,AND SHE WILL NOT STOP CALLING.I DON'T THINK WHAT I DID WAS WRONG BECUASE I GAVE HER MONEY AND PAID HER BILLS ALSO.DO YOU HAVE ANY KIND OF ADVISE FOR ME.THANK YOU

 

[quincy]

First, this is not a defamation issue.

Second, try to make an accurate accounting of all money spent and disbursed during the summer of your relationship, gather any receipts you have, for both the purchases you made on the credit card and for bills paid on her behalf, and see where you stand. Since you paid her in cash, it may be hard to prove you do not owe her money. If your name is on the account, you are equally responsible for any balance remaining on the account.

My advice is to change your phone number so the harassing phone calls will stop, have the above documentation available should she take you to court, and either don't use girlfriends' credit cards in the future or don't reimburse these girlfriends using cash.

And, once the balance of the credit account is paid in full, cancel the account and/or remove your name from it.

 

[VeronicaLodge]

if he is just an authorized user, i dont think he is responsible to the credit card company for the charges and i dont think she can get him charged with fraud for using the credit card she authorized him to use.

 

[quincy]

It is true that authorized users cannot be held responsible for the balances owing on any account, but if his girlfriend added him as a joint account holder, then he would be responsible for the entire debt, just as she would be.

Authorized users can have the information from the account holder's payment history on this mutually-used account reported, however, on his/her credit reports, and it can potentially affect his/her credit rating.

He should have his name removed immediately from the account, if he is listed as an authorized user - if he hasn't already. If he is a joint account holder, though, he may find himself having to help pay off the balance owing on the account.

 

[VeronicaLodge]

all excellent points! thanks.

 

[PAULC]

Reply

She Put Me On The Account And Then She Took Me Off The Account

 

[Evilme5229]

If these items that were bought on her credit card stand out as items that are yours and in your possession you will be liable for them. Since you paid in cash and were in a relationship with her, chances are you will be owing her money. Checks are a good paper trail, trust no one these days, taking an extra precaution and writing a check saves you a lot of pain and suffering. My boyfriend paid cash to his friends when he was on a lease with them. The guy claimed he never paid him the last month when my boyfriend moved out, guess what he owes the guy.

 

[quincy]

Paul, did your girlfriend have you on the account as a "joint" account holder or as an "authorized user"? It SOUNDS like she just added you as an authorized user, but it DOES make a difference in your liability.

If your girlfriend can show convincingly that you are responsible for certain charges made on the account, even as an authorized user, she may be able to collect on those charges - even if you paid her already with cash - if you have no record or receipt showing you paid. She would have to sue you to collect, however. But, as the account holder with you as just an authorized user, she is ultimately responsible for ALL charges made on the account.

If you were a joint account holder, however, the credit card company can go after you for the charges made while you were on the account - ALL of the charges, whether you made them or not. If she removed your name, though, I am thinking this was not the case in your situation.

Which is good.

So, to sum up, if you were merely an authorized user, she would have to sue to collect on any charges made by you on the account. She could collect on these if you cannot prove to the court you paid her cash for the items charged. It would be her word against yours.

 

[jackmcmanus21]

Whenever you lend someone money, make sure there is documentation for it.

 

[quincy]

I think Paul is about to discover how important that piece of advice is, jack.