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Post by jarvitronics on Aug 19, 2007 11:13:25 GMT -5
Hey man it's been almost three weeks and not a peep out of Mellow. Does anybody know what's up?
-j
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Post by mommybird on Aug 19, 2007 15:29:46 GMT -5
I'm pretty sure that he's taken breaks before. He'll be back.
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Post by LOVELYRITA on Aug 20, 2007 23:19:25 GMT -5
Hope so...we don't want to lose any more members....that would be a shame
Although, speaking for myself, sometimes the subject matter can get heavy at times...just thinking about Paul being replaced and others suffering the same thing is truly a disturbing practice. It seems like a ritual for these "secret societies". Sometimes I have to get away from it for a time to do other things, other hobbies, projects, or if some personal matters need to be addressed, or helping someone else with their issues. Work...vacations.... other interests can take someone away for a time.
Sometimes one just has to take a leave of absence so to speak, to re group...to just get away from the research and other things that can be time consuming.
Hopefully some of those who haven't been heard from or who have publically left the forum will return...maybe they've experienced forum burnout...
It's hard to say, but we hope that they come back.
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Post by Mellow Yellow on Aug 21, 2007 11:08:33 GMT -5
Hey.
I've been busy. I found out I am a victim of identity theft, and worst of all I know who the person is. The bad part is, I don't want this person to be put in jail, so I've been trying to get this stuff taken off my credit without actually saying who did it.
If it all fails, I'll just file for bankruptcy. It would be over by the time I'm 26, who needs credit anyway?
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Post by mystery tour on Aug 21, 2007 11:12:19 GMT -5
That is noble of you, Mellow. However, living without credit can be difficult these daze. But I am sure you are aware of that.
Good luck.
Agent Mike
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Post by CoconutFudge on Aug 21, 2007 12:32:22 GMT -5
Oh wow, that's such an awful situation. I'm sorry, MY. Hope all turns out well. Good luck.
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Post by eyesbleed on Aug 21, 2007 12:47:59 GMT -5
Hey. I've been busy. I found out I am a victim of identity theft, and worst of all I know who the person is. The bad part is, I don't want this person to be put in jail, so I've been trying to get this stuff taken off my credit without actually saying who did it. If it all fails, I'll just file for bankruptcy. It would be over by the time I'm 26, who needs credit anyway? Ya know it never pays to be such a nice guy. If you protect this person & keep them out of legal trouble, they'll be in that much better shape to hit ya again later. If they can do it once, they will do it again,...... count on it. Also.... it can be really tough without any credit, don't be so quick to throw it away. |
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Post by JoJo on Aug 21, 2007 14:55:58 GMT -5
Well.. bankruptcy stays on your record for ten years, not seven, contrary to what many may think. OK if you don't mind either way, but they may find out who the culprit is with or without your help, in fact they are highly motivated to do so, as ultimately they or the merchants that were burned will be on the hook.
Obviously a close friend or family member, so I see your dilemma, although in my case a friend would stop being a friend five seconds after I found out he did this. I guess a family member is different.. tough deal man, sorry.
You really shouldn't be the one who has to suffer.. Really think this one through, because there are more ramifications to bad credit than just not being able to get a credit card, there's employment, car insurance rates and renting an apartment, just to name a few.
Good luck.
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Post by Mellow Yellow on Aug 21, 2007 15:38:11 GMT -5
My mom is the one who did it, and that's why this is such a mess. She isn't going to do it anymore, in fact she stopped years ago (but I never knew until I looked at my credit report).
She has Bipolar disorder/Manic depression and it causes her to sometimes go crazy with money. It's bad either way, really. On one hand I have ruined credit (like 16 negative accounts/charged-off accounts), on the other might put my mom in jail, which is just going to make it harder on me because she is helping me through college (not to mention she recently got diagnosed with stage 2 Parkinsons)
So what I decided to do was follow the normal guidelines for identity theft, mailing each of the 3 bureaus a letter and proof and stuff (All of the accounts were opened before I was 18, and some were opened when I was as young as 12)
I know what she did was terrible (as does she), but you can't stay mad at your mom (and believe me, I was furious for a while)
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Post by JoJo on Aug 21, 2007 16:10:01 GMT -5
Yeah, well.. I guess you're stuck, almost no one would want to put their mom in jail, don't blame ya. At some point the CC companies don't bother to pursue, and charge-offs will disappear after seven years, unlike the ten for bankruptcy. If it's been a few years, then it will be just a few more years.
Disclaimer: I'm not a financial expert, perhaps you would be well advised to seek out a professional who is bound by confidentiality rules..
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Post by mommybird on Aug 21, 2007 17:51:09 GMT -5
You hear about things like this happening. You don't expect that it will happen to someone that you know.
I don't know what I would do if a close family member did that to me or someone else close to me.
I think what Jo suggested makes alot of sense. You should go online & ask some questions without giving out who you really are. It can't hurt...
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Post by CoconutFudge on Aug 21, 2007 19:35:04 GMT -5
Wow, MY, I'm sorry that you're in such a situation. I don't know much about the conditions you have said that your mother has, but are they what caused her to make such a move? If so, and I am not sure on this and I most definitely do not mean this to offend, is there any way that it could be claimed that she was not mentally stable when she did this and thus wouldn't go to jail? I don't know a lot about the law... I can ask my dad and my sister about it, they're both lawyers. I am sure you'd never want to put your mother in jail, who would, but then, bad credit is a hard thing to overcome because it really messes with your life in several aspects. Again, I'm so sorry that you are in such a tough situation and I hope that everything you do turns out well in the end.
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Post by ccinri on Aug 22, 2007 14:34:49 GMT -5
My heart goes out to you Mellow...and my prayers.
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Post by eyesbleed on Aug 22, 2007 17:38:06 GMT -5
My mom is the one who did it, and that's why this is such a mess. She isn't going to do it anymore, in fact she stopped years ago (but I never knew until I looked at my credit report). Ya that sounds like a mess alright. I didn't have a hard time cutting my dad out of my life, the only regret I have is that I didn't do that 20yrs sooner..... But this sounds like it's a totally different sort of situation. And much harder to figure out. It's so much easier when they're rotten to the core & ya know they'll never change.... & they never acknowledge doin' anything wrong..... Then it's easy to do what ya have to do. I dunno, it seems to me that if she's all reformed & sorry & all that stuff, then she should be willin' to take a hit or 2 if it would help you out of this mess. |
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Post by Mellow Yellow on Aug 27, 2007 19:52:38 GMT -5
I really appreciate all the kind words and advice from you guys. I've sent my info and proof to the bureaus, so right now all I can do is just wait until they respond or something.
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Post by mindgames on Aug 31, 2007 4:40:49 GMT -5
M Y you are not alone. But the funny thing is that people with bad credit seem to have no problem getting more credit, the only people that really suffer from this ridiculous system are the people with no credit at all. A relative using a child's name for bills/credit happens way too often. I had a friend whose mother did the same thing. but this friend is the type that doesn't believe in c cards (the fastest way to repair credit btw). Thus they live hand to mouth which is almost impossible to do in America. They didn't report but they tried writing I think, but no effect, the mother died suddenly & impoverished while they were still trying to solve the problems. ie collect payment.
On the other subject, I know someone with that same "disorder" but it just causes them to go crazy period. The American mental health state is horrible. Personally I think this "bi-polar" label is a direct product of the drug usage of the 1960's thru the present. We are now seeing the long term effects of this usage and we have millions of people being called bi-polar and not getting the proper mental health help. They go crazy once in a while but are sane long enough to refuse hospitalization. Its a sad stressful thing to have to deal with mental health issues, I understand, don't let the stress get to you, whatever you do.
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Post by Mellow Yellow on Sept 14, 2007 19:53:09 GMT -5
After doing everything the website told me to do (send whatever information to all three bureaus) I received notification that some of the companies were re investigating the accounts. However, after about a week of them saying "under investigation" they reverted back to "charge off".
After looking around a bit, I'm not surprised as to why. The greedy bastards are going to fight tooth and nail to NOT take this off my credit because it's apparently easier for them to leave it on there and sell it to a collections agency. They have to be some really ****ed up people to receive in the mail proof that I was only 14 when X account was opened, and yet refuse to remove it.
Apparently the only way to get them to take you seriously is with a police report. From what I read, with a police report filed, the companies HAVE to remove the stuff from your credit within 30 days.
I talked it over with my brother and he said to go do it, and even if they did somehow manage to figure out it was my mom, they wouldn't put her in jail, she would probably just get probation. I called the police dept and told them, they said I can either come there... or they could come to me (scary) so I set out in search of the police department...... I'm really terrible with directions. I have my own route I go everyday and even the slightest thing will throw me off. Needless to say, after driving around for 2 hours I decided to give up.
Anyways, I decided I'll just wait til next week and give them a call and tell them to come on over.
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Post by B on Sept 14, 2007 20:15:25 GMT -5
You SO need a lawyer.
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Post by JoJo on Sept 14, 2007 21:49:22 GMT -5
Dear God yes.. The people you talk this over with are all well intentioned of course, but you are stepping into a den of vipers, you need at least one "snake" who is on your side. Sad but true.. Getting lost may be a sign, I don't know, but.. I know lawyers are expensive, but usually an initial consultation is free or not much money.. at least you'll have a much clearer idea of your options. |
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Post by ramone on Sept 14, 2007 22:21:36 GMT -5
Some lawyers will work pro bono for certain cases.
They'll give a certain amount of time for this-as in serving the community.
And they might be darned good. Just gotta make sure they're decent at least.
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Post by Mellow Yellow on Sept 23, 2007 16:02:20 GMT -5
A bit of good news, I was just notified that they have investigated and deleted 5 of the accounts based on just the info I sent them. I didn't even have to go to the police or anything. I wonder how many I can get rid of before having to deal with the cops?
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Post by ccinri on Sept 23, 2007 18:40:58 GMT -5
Wow! That is really GREAT news Mellow!! I hope this is the beginning of lots of great news for you!!
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Post by Mellow Yellow on Oct 6, 2007 23:54:18 GMT -5
I got another letter from Experian, this one listed ALL the accounts and said that they had ALL been deleted!
I think it's because I filled out one of their investigation things on their website and I bluffed them and told them that I would be getting a police report in a few days and also a lawyer since they seemed to not want to comply (after I had already sent them proof of who I was/being TWELVE when some of them where opened!). Well I actually didn't do any talking to police or lawyers, but they apparently took it seriously because the accounts have been deleted!
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Post by B on Oct 7, 2007 11:16:40 GMT -5
That's good news. I was worried about you and your predicament. Hope it's all been put to rest.
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Post by B on Oct 15, 2007 8:44:24 GMT -5
Where is Coconut fudge now?
Did she think that just because school started she should devote her time to her studies? (Sigh)
She should study the important things! ;D
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