I only closed my account, no paper check
I never signed anything electronically or on paper i only talked to a lady on yhe phone and filled out an application on line but i did not sign that either, i just agreed on the phone no signing of anything. The contract they sent me by email says it is an unsecured loan. But is this check fraud, it says unsecured loan and it was only a verbal agreement to take from my checking.
Thank you for your follow-up, Chris.This is potentially check fraud. Since you agreed (it does not matter if orally or in writing, as there is evidence of the contract), the agreement specified that you would permit the parties to remove a certain amount of money that you borrowed from your account. Not permitting them to take their money back is fraud, both check fraud and potentially theft by false pretenses. The other party could potentially pursue both civil and criminal charges against you, civil for the value and amount of money owed as well as breach of contract and further costs in obtaining what is owed to them, and criminal charges for defrauding them of their funds by getting their deposit to bounce from your account.I am sorry.
Before i agree to there settlement offer should they provide me with the offer in writing??
Chris,Absolutely. You should only agree to any sort of an agreement provided that the other party provides you with a signed waiver stating that by accepting the funds they agree that all present and future issues stemming from this transaction are satisfactorily concluded, and that they will not pursue further collections or pursue civil or criminal claims.Good luck.
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