United Cash Loans claiming that my husband owes money
Date: Wed, 04/25/2007 - 18:15
My husband and I have been contacted by United Cash Loans claiming that he owes $480.00. Neither of us know anything about it and are very concerned. In early September of 2006 our bank account information was compromised and we had to close our account and open a new one. This company has a lot of personal information on my husband and we don't know how they got it. They are have personal references of both my sister and mother with names addresses and telephone numbers as well as my work e-mail address and information on my husband's employer as well as his ss# and our address. They say the loan was done online and are threatening to prosecute him for breach of contract and me for fraud since my work e-mail address is supposedly on their form. I don't know what to do. Any advice would be deeply appreciated.
I would definately send them a debt validation letter, which put
I would definately send them a debt validation letter, which puts the burden of proof on them to show that the debt is indeed yours. You can find templates on the site. Send this certified, signature required, to prove that they got it.
I would also pull a credit report to be safe, since someone has obviously gotten your banking information before you closed your account. You are entitled to at least one free report from the major bureaus each year.