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I am being investigated for theft by deception. Took out a legitimate loan late June of this year through a very well-connected jewelry store in Utah. I have not made any payments due to sudden financial hardship and now a police investigator is contacting me via email and my family via phone threatening me that I will go to prison if I don't pay back the loan or return the items. I have verified that the person contacting me is in fact an investigator. He is accusing me of putting false or misleading information on the credit application. We had accidentally used our old address on the app. They approved us anyway but when it came time to make a purchase we corrected the address mistake and gave them our current address. This is before we purchased anything. The item receipts also reflect this new address. However, I believe that the jeweler did not disclose this fact to the police and are attempting to use get the police to intimidate us to pay it back.
State/Country relating to Question: Utah Already Tried: I tried sending the investigating officer a scan of the receipt showing that the address was in fact corrected at time of purchase. But I am starting to suspect that since the jeweler is a very connected company they may have made a friendly deal with the investigator. This investigator is the head of the police department, with 26 years experience. so he is no rookie.
thank you for the post, what is your question?
My question is what should I do? I don't want to be charged, yet I won't be intimidated by this investigator either. I believe the loan is civil in nature, so I think there is some abuse going on somewhere.
when you say investigator, do you mean police department detective, or a private investigator?
He a police department investigator, confirmed.
ok, the easiest thing to do here is return the jewelry, otherwise you may find yourself defending an accusation that you intentionally mislead the jeweler in submitting incorrect information on the credit application. I do not only mean the address issue, but with respect to your income/occupation, etc.
easy but not my style. I think this investigator should be looked at for corruption. How would I go about reporting him and getting the investigation called off altogether? Otherwise these sweet deals between creditors and police will go on and I don't think it's legal. What would you do if you defaulted on your mortgage and a police officer is at your doorstep threatening you to pay up or go to jail? You would just give the house back in fear?
I understand your point, but there is a basis to allege Fraud here. You can fight this if you want, but it may wind up placing you as a defendant in a criminal suit that has facts to support the claim.
Attorney
Negotiate, Draft, and Review many complex commercial agreements each year.