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tia0220
Model SISter (2840)
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# Posted: 4 Apr 2008 08:53
My husband and I were in the final stages of cleaning up our credit so that this summer we'd be able to buy our family a home. I applied for a loan and was approved, the company was oging to wire the finds to our account.....
it was all a fraud. My bank account was swept by these thieves. I have no money to pay rent, my car, nothing I was bled dry and I now have a negative account balance because of it. My bank just says "we're sorry". I am off to the police station today.
I am so angry with myself and so hurt that I was taken advantage of. I have no way to pay my bills due today because my husband doesn't get paid until next Friday. I can't get apply for another loan because of my negative status EVERYWHERE now, and because I don't want to lower my score!
Please pray that I can dig myself out of this mess.
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Sonja
Favorite SISter (5587)
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# Posted: 4 Apr 2008 09:17
Oh my gosh, this is a nightmare, I can't even imagine...I will say prayers for you and your family, please try not to let it get you too down, hopefully there will be a light at the end of the tunnel.
Please keep us posted.
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HeyPooks
Haute SISter (941)
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# Posted: 4 Apr 2008 09:27
That's HORRIBLE! My heart is breaking for you. :( I will say many prayers for you and your hubby.
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prairieWillow
Favorite SISter (15654)
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# Posted: 4 Apr 2008 10:21
oh my gosh!
that is unbelievable!!!
I am so very sorry, tia!
I just cannot imagine why someone whould do such a thing.
I hope you two can get a break somewhere.
I will keep you in my thoughts!!
deanna
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lalscrap
Favorite SISter (13001)
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# Posted: 4 Apr 2008 10:24
oh my goodness!!!
that is awful!
how can someone do that!!!
my heart hurts for you!!
praying here!!!
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Heather R
Vogue SISter (3915)
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# Posted: 4 Apr 2008 10:35
how horrible!!
hugs and prayers for you.
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StraitFan10
Favorite SISter (6286)
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# Posted: 4 Apr 2008 10:35
OMG, I'm sorry this is happening to you!!! Many prayers going out for you!!! I hope you get resolve to this very soon!!! Please keep us posted!!
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tracinicole
Favorite SISter (16355)
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# Posted: 4 Apr 2008 11:04
I am so sorry that happened to you.
I hope you called the authorities!
I will keep you in my thoughts!!
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kristinak
Favorite SISter (7640)
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# Posted: 4 Apr 2008 12:32
that's awful! hugs to you, and i hope you can work it out somehow.....
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Trynity
Vogue SISter (3061)
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# Posted: 4 Apr 2008 12:46
Holy moly.
I dont know what to say..
I cannot believe that there are people would do this to someone.
I hope your bank comes up with more than an "im sorry"
how did you find this supposed "lender"
did you do any background checks on them ?
that is just horrid.
Good luck and I hope that you get some sort of resitution
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lisa garay
Vogue SISter (3348)
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# Posted: 4 Apr 2008 14:29
oh, sweetie.
i'm so sorry.
i wish there wasn't people like this in the world.
i'm so sad for you :(
you will def. be in my prayers that this gets resolved fast!
-xo-
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pascrapgal
Favorite SISter (9284)
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# Posted: 4 Apr 2008 14:37
Oh, wow, Kristen - I'm SO sorry this has happened to you. You're going right onto my little prayer list...
((((((((((hugs))))))))))))))
Jan
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BlessedinTexas
Favorite SISter (10195)
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# Posted: 4 Apr 2008 14:44
Oh Kristin, I am so sorry friend! Do you mind me asking how this happened? I would hate for this to happen to anyone else. Do you have family members that could help out until next week..I am just thinking of immediate ways to find help??
I hope the authorities can help - someway somehow??
Di
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christa
Style Maven (547)
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# Posted: 7 Apr 2008 16:30
That is so NOT fair. It sucks that there are people out there who make a living by stealing other peoples money! That makes me so mad.
Hang in there...hopefully the law will be on your side and things will get sorted out.
Sending blessings your way.....
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kylissa
Model SISter (2253)
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# Posted: 7 Apr 2008 17:23
I will be praying for you!
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Tiffharper143
Style Maven (583)
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# Posted: 7 Apr 2008 17:36
Oh my gosh that is aweful. I HATE people who just steal because they not smart enough to get a real job. I have a hard time showing grace for those people. Praying for you hun. So sorry this happened to you.
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juljen
Favorite SISter (11002)
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# Posted: 7 Apr 2008 17:38
oh Kristen.... i am so sorry.
i can't even imagine what you must be feeling... except for extremely violated.
your family will be in my thoughts. sending vibes for a quick resolution.
and hopes that these thieves will be caught & exposed.
keep us updated, please. and perhaps even post a bit of information about this company so everyone is aware and can help spread the word.
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mizzm
Favorite SISter (30417)
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# Posted: 7 Apr 2008 18:23
OMG Kristin.. I'm so sorry!
Keeping you and your family in my thoughts and prayers.
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mrsdd02
Style Addict (1412)
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# Posted: 7 Apr 2008 19:14
Sending my love.
Have you called your atty yet?
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tia0220
Model SISter (2840)
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# Posted: 8 Apr 2008 15:20 - Edited by: tia0220
Thank you all for your thoughts and prayers. Everyday is a constant struggle. I get more bills in the mail that I have to call on and delay. I have some people who are VERY willing to work with me and some that just aren't. My landlord was the worst of all. I completely thought he of all people would take it okay and wait until this week when my husband got paid. He wouldn't even hear it, and I have NEVER been late with a payment!
My bank is telling me that I am not covered under fraud protection because I wilingly gave the people my information therefore I am just going to have to deal with the negative balance. Which sucks because I don't have the money to make it positive and close it! They won't close it and they also won't freeze it! I feel so stuck. And their ad campaign right now is "bank charged with excessive fairness", they aren't being fair at all. They are charging me $25/day for the negative balance on top of all the overdrafts that I have to fight.
After everything, I know that there is a light at the end of the tunnel, I just can't see it yet. I am terrified that I will go to jail because I write checks for groceries, and I was just at the market a couple days before this happened.
I can't give you any information about the company, because as of Friday, they disappeared. There's no trace of them online, but they are still answering their phones. The police opfficer was able to get a few words in before they told him too to F off and hung up. I guess only time will tell.
Thank you all so very much!
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mrsdd02
Style Addict (1412)
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# Posted: 8 Apr 2008 15:38
Please read your PMs.
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Trynity
Vogue SISter (3061)
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# Posted: 9 Apr 2008 18:52
Tia,
I have been thinking about you since I read this and discovered this bit of information that my help you with your bank, provided you use a reputable bank. If you bank is FDIC insured, than no matter whether you signed up a special service, or not, you can be protected under federal consumer protection guidelines, generally referred to as Regulation E.
Regulation E, officially the Electronic Fund Transfer Act, protects consumers against fraudulent use of their electronic transactions, such as for debit card purchases, automatic teller machine withdrawals or online money transfers. It does not cover paper-based activity, such as for stolen checks.
The regulation limits the consumer's liability generally to $50 - if the bank is notified within two days of realizing the fraud. Wait longer, and the liability increases, up to $500 in unauthorized activity.
As soon as the bank is notified, staff there will quickly work to stop the fraudulent activity - closing bank accounts or blocking card transactions, depending on the situation.
They'll also work with you to ensure any outstanding transactions you tell them about are covered. Within 10 business days, financial institutions must refund the lost money, with the provision that their investigation shows you didn't actually commit the fraud.
Regulation E allows financial institutions 45 days to complete their investigations. Bank security officers get copies of signed transaction slips or ATM camera images, for example, to determine who took the money.
"The underlying assumption is that the customer is honest, and regulation E is there to protect them,
I hope this helps you in some small way
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lpmkate
Favorite SISter (9453)
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# Posted: 9 Apr 2008 18:55
So sorry this happened to you...good luck getting it all sorted out.
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