bad check scam please help
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Posted by needhelp
(66.2.160.8) on March 11, 2004 at 14:06:32:
You may call me a fool or victim, but
I have spent my life in great honesty until
misfortune simply took over.
My situation is extremely difficult; and you might
imagine my life is miserable to the limit.
My worst predicament is that some body
convinced me that he can work out a good deal
with my credit card lenders; and reduce my
extremely high debts by around 85%.
I gave him my credit cards which, I had already
used up to the limit thinking that they were of no
use any more. But, only in a few weeks time
I was shocked to find out that somebody has
overdrawn from my credit cards. This is beyond
my imagination as to how it is possible to
charge on a card which has already been used to
the limit, and specially by any one else other
than the owner.
I am frightened to death. I want to go for
bankruptcy, but I do not understand how
to account for the thousands of dollars which
have been robbed off in some manner which
I have got no clue of. I have been a very honest and hard working person
all my life. In the mid nineties I had run up my debts to around 75,000 on account of a failed business.But I was lucky I managed to pay back every
cent of the money I had owed, through hard work.
this time I lost my luck completely. I lost my
job in 1998 and could not find another one,
mainly due to my health and tough job market.
I had invested most of the debt money in the
Stock market, which went down by about 80%.
I continued to revolve my credit card balances
for three years to save interest until I was
unable to do it any more. Then in march 2002
I stopped payments to my creditors and all
this time I have been living on borrowed money.
the credit card fraud occurred some time in
May 2002. I have lived in fear all along. I did not call the credit card companies. I had moved to a new address and received some mail from the credit card companies on the old address, subsequently from collection agencies. Someof them showed excessive amounts on them.I have been a nervous reck, lost all courage to face this situation. If I start calling the cc's I would probably be creating more trouble for myself; and I do not know what I would have to do to handle that situation. So, talking to the cc company surely is not an option. I should have mentioned this earlier that this person had initially contacted me by phone in late 2001 (I don’t know which bureau he got my phone no. from)and then kept in touch with me until he got what he wanted. I was in the impression that since
I do not have any more money available in my cards
so I have nothing to loose. But, of course I was wrong. As far as this person is concerned I now believe he must have been one of the con men around; and unfortunately he simply disappeared within a few weeks. I had a few statements from the cards later on,
which showed some bounced checks and very
high charges for these bounced checks in thousands
of dollars implying as if the money was withdrawn.
In my whole life I never wrote a bad check
and never ever borrowed money over my
limit. The whole situation is so strange that
I can not understand what it means. I desperately need help. My main problem is
the bad checks fraud which I have nothing to
to do with. I learned later on that people can
write checks and draw money from their
cc accounts even before the cc’s have cashed
those checks. This sounds so bizarre to me.
Please help.
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