by Sylvia (Winsted CT USA) I live in Connecticut about 2-3 years ago I had moved out of my moms house to my boyfriend's. My mother can’t do it becIde. However, this convenience may tempt people to share their cards with others. Assuming that an issuer allows the cardholder to give permission to someone else, the cardholder should consult the cardholder agreement to determine how to grant that permission. When you cosign you agree to be responsible for the bill if the other person doesn't pay. tanner. It is now in collections and I don't know what to do, can someone help me and tell me what I should do??? Performance & security by Cloudflare, Please complete the security check to access. 1 … I'm not sure, wouldnt you have to prove it was him and not you that did it, seeing as you lived at the property at the time I cant seem them being too bothered by it. Perhaps no one will notice, but if the bank or credit card company does find out that a cardholder improperly allowed someone else to use the card, it may charge the cardholder fees, reduce card limits, close the account, or even take legal action against the cardholder.. Before you share your plastic with a relative, a friend, or an employee, review the cardholder agreement for your debit or credit card to determine whether sharing your card is permitted. Accessed Feb. 6, 2020. • 9 Answers. Your IP: 22.214.171.124 If you are on a personal connection, like at home, you can run an anti-virus scan on your device to make sure it is not infected with malware. For example, avoiding showing the card for free access to cardholder events or services. "Example of Credit Card Agreement for Bank of America® Platinum Mastercard® and Visa® Accounts, World Mastercard® Accounts, and Visa Signature® Accounts," Page 10. Utility fraud is when a person fraudulently uses someone else’s name or identity to order water, gas, cable or other types of services. Can Adding Someone as an Authorized User to My Credit Card Help Increase Their Credit Score? Is posting someone’s full name online without his or her consent illegal? Unless he got someone to speak to them impersonating you then no. Ask a lawyer - it's free! If you gave someone your permission to use your name to get service, the bill is yours and you’ll have to find a way to catch up. Merchants also stand to lose from unauthorized transactions. Credit Card Fraud: What to Do If You’re a Victim. My mother just found out that the renters she has in her home (on a lease purchase option) have put the water bill in someone's name who is not on the lease. 1 decade ago. Let us know if you need any further support @Caitlynkxx. Me and my mom are close but I never thought she would do this to me. What’s worse, the person who gave you the card could later claim that you took it without permission (if you spend too much, for example, or if your relationship sours). Banks often won’t reimburse you if someone drains your account at an ATM after you give them permission to use your card or the PIN. Likewise, credit card companies hold you responsible for charges by someone whom you permit to use the card. However, Some issuers will revoke the permission you granted to someone if you notify them.. Without a permission note, the burden may fall most heavily on the borrower if they are caught using a card without their name on it. Perhaps no one will notice, but if the bank or credit card company does find out that a cardholder improperly allowed someone else to use the card, it may … If a merchant asks for identification and you can’t provide it, they may call the police or confiscate the card. My mom did the same thing with me, I got her a cell phone put in my name. Since we bought our new house, my wife is pleased that one of the bills is in her name now for this reason. • "Credit Card Agreement for Consumer Cards in Capital One, N.A.," Page 4. ), Free Shipping for Loyal Forum Members - CLICK HERE. Performance & security by Cloudflare, Please complete the security check to access. By court order, my husband had to vacate our flat (his is the only name on the lease) and he is responsible for paying all utilities. However, not all issuers treat the sharing of cards as unauthorized use. "Ala. Code 1975, § 13A-8-192 Identity Theft," Page 1. Experian. • Accessed Feb. 6, 2020. Accessed Feb. 6, 2020. "Can Adding Someone as an Authorized User to My Credit Card Help Increase Their Credit Score?" Re: Can I put a phone contract in someone else's name but use my bank account?? I have since gotten the bill paid and no more annoying phone calls... Good luck. So if he wanted to, he could have put my name down for a Sky subscription? Cloudflare Ray ID: 5ea9cfa4dc1ac771 it is against the data protection act 1998 and revised in 2001, if they have your details and you feel it was given to them with out your permission its illegal. Cloudflare Ray ID: 5ea9cfeaae76caf4 If you aren’t, the utility or collection agency may continue to try to collect from you. What Is a Credit Card Foreign Transaction Fee? Once you turn 18, you can request to change the ownership of the contract into your name. So EE cannot rely on getting their money back from them if they stop paying for any reason. Is it illegal to put an electric bill in someone else's name that is not on the lease. My boyfriend volunteered to put the electric on in his name because I owe a past bill. Bank of America. 1 attorney answer . Lo and behold I was in the hole $855 she never told me that she was falling behind. Accessed Feb. 6, 2020. So the contract needs to be made with an over-18 who will need to be credit checked. My mom convinced me to get her electric bill in my name as soon as i turned 18, knowing i had no idea what i was getting myself into. I now have terrible credit and can not move on my own unless it is out of state because I won't be able to get electric. I have clear credit history and minimally living expenses so I can afford to cover the direct debits . "Ala. Code 1975, § 13A-9-14(b) Fraudulent Use of a Credit Card or Debit Card," Page 1. Your IP: 126.96.36.199 Another way to prevent getting this page in the future is to use Privacy Pass. A few months later my mom had gotten a notice about her power being shut off and how she didn't want me to see my little brother and sister without power.... Well needless to say I let her put the bill in my name. The question is whether you are willing to report it. Copyright 2007 - 2020 by Mary Reed and Gerri Detweiler. "Credit Card Fraud: What to Do If You’re a Victim." Even if you get permission to transact with someone else’s card (or you allow someone to use your card), if doing so is against the rules of the cardholder's card issuer, the cardholder would be breaking the agreement they signed with the issuer. Accessed Feb. 6, 2020. I live in Connecticut about 2-3 years ago I had moved out of my moms house to my boyfriend's. My name somehow ended up on our BT Broadband bill and that was when I was still 16. http://forums.overclockers.co.uk/showpost.php?p=11995184&postcount=1, http://forums.overclockers.co.uk/showthread.php?t=17899021&highlight=username_mp3kla, (You must log in or sign up to reply here. For up-to-date information and comments, search the EE Community or start a new topic. i don’t understand why someone is working full time, live in social housing , pay tax a, and earn £750 per mth. I didn't cancel the service with southern electric / gas, my housemate did. Completing the CAPTCHA proves you are a human and gives you temporary access to the web property. Is it legal to open utility accounts in someone else's name? Can I put a phone contract in someone else's name but use my bank account?? Relevance. Could My nan be credit checked and give permission for me to be the bill payer ??
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