Discovered a friend used my cc. I apologize but it was a few months back. I pay the account online and never really pay all that much attention.
So first question? Is there a time limit for me to bring it to my cc companies attention?
I do suppose that might depend on the cc company but figured I woud ask anyway.
Second, I know the person and confronted her and she admitted it. Said she would repay. I would rather work with her than go the legal route BUT just in case I want to know where I stand.
She took the card and used it but I was never called by them to authoirize or I did not sign anything that allowed the company she used it with to charge the card. She either signed my name to the bill or signed her name and she is not listed as a legal user of the card.
I would much prefer she and I handle this between us because I am not really all that interested in complicating her life. If she pays it back I can live with it.
Problem is we have no written legal agreement between us. I am still not convinced she is really going to pay in full.
She came over to my home today with a money order. She verbally agreed to pay 100 this month and 200 a month till it is paid off.
She brought me a money order with her first name and last letter of her last name. She wrote at the bottom for repayment of what she paid for and for "credit card agreement" and the balance.
I was happy when she dropped by then got to thinking, if I cash this then she can say I agreed to the purchase, right? If I do that then I have no fraud case, right? Then if she just decides to never pay me again all I have for any proof of anything is a money order without her last name on it. So I am thinking cashing this money order is not such a good idea if I ever want to take to to court for fraud if she tries to stiff me. Does that make sense? Like I said I want to do all I can to have her have made a mistake and not get charged with fraud. I am willing to have her pay me back. I am just not sure if I can even go to small claims court if all I have is that money order? Do I need to get some kind of legal contract and ask her to sign it before procedding and is that really worth the paper it is on? I just figure even if I get to small claims court and win a judgement does not mean payment.
The horrible part of the whole thing is I would like to think I can trust her and work this mess out but just did not know if cashing that money order would doom any chance I would ever have if all else failed and I wanted to go after her fro credit card fraud. Almost finished, I would rather get some sound advice hopefully here before I try to talk to my cc company or the company she used the credit card at. Hope I was not too long winded but kind of a complicated mess I have gotten myself into. Thanks
So first question? Is there a time limit for me to bring it to my cc companies attention?
I do suppose that might depend on the cc company but figured I woud ask anyway.
Second, I know the person and confronted her and she admitted it. Said she would repay. I would rather work with her than go the legal route BUT just in case I want to know where I stand.
She took the card and used it but I was never called by them to authoirize or I did not sign anything that allowed the company she used it with to charge the card. She either signed my name to the bill or signed her name and she is not listed as a legal user of the card.
I would much prefer she and I handle this between us because I am not really all that interested in complicating her life. If she pays it back I can live with it.
Problem is we have no written legal agreement between us. I am still not convinced she is really going to pay in full.
She came over to my home today with a money order. She verbally agreed to pay 100 this month and 200 a month till it is paid off.
She brought me a money order with her first name and last letter of her last name. She wrote at the bottom for repayment of what she paid for and for "credit card agreement" and the balance.
I was happy when she dropped by then got to thinking, if I cash this then she can say I agreed to the purchase, right? If I do that then I have no fraud case, right? Then if she just decides to never pay me again all I have for any proof of anything is a money order without her last name on it. So I am thinking cashing this money order is not such a good idea if I ever want to take to to court for fraud if she tries to stiff me. Does that make sense? Like I said I want to do all I can to have her have made a mistake and not get charged with fraud. I am willing to have her pay me back. I am just not sure if I can even go to small claims court if all I have is that money order? Do I need to get some kind of legal contract and ask her to sign it before procedding and is that really worth the paper it is on? I just figure even if I get to small claims court and win a judgement does not mean payment.
The horrible part of the whole thing is I would like to think I can trust her and work this mess out but just did not know if cashing that money order would doom any chance I would ever have if all else failed and I wanted to go after her fro credit card fraud. Almost finished, I would rather get some sound advice hopefully here before I try to talk to my cc company or the company she used the credit card at. Hope I was not too long winded but kind of a complicated mess I have gotten myself into. Thanks