HELLO SIR/MADAM,I HAVE A QUESTION REGARDING CREDIT CARDS FRAUD.1. RECENTLY WE CAME TO KNOW THAT FRAUDSTERS HAVE MISUSED CREDIT CARD ON OUR (ME AND MY WIFE) NAME AND HAVE CONSUMED £20000.2. 2 BARCLAY'S BANK CREDIT CARD IN MY WIFE'S NAME, 1 MBNA CREDIT CARD IN MY WIFE'S NAME AND 1 BARCLAY'S CREDIT CARD IN MY NAME TOTALLING £20000 FROM 4 CREDIT CARDS.3. WE HAVE ALSO FILLED A POLICE REPORT.4. THE CREDIT CARD COMPANIES HAVE SEND US FORMS TO FILL AND SEND IT BACK, WHICH WE ALREADY DID, FOR INVESTIGATION.NOW HERE IS THE BOMBSHELL AND REAL DILEMMA......MY SISTER CONFESSED TO US YESTERDAY THAT, SHE ACTUALLY, USED UP THE £20000 AND USED THE CARDS ON OUR NAME. SHE ALSO CONFESSED THAT SHE APPLIED FOR THOSE CARDS AND WE NEVER CAME TO KNOW ABOUT IT. ANYWAYS SHE HAS PROMISED TO PAY US BACK.....AND ME AND MY WIFE HAS DECIDED THAT WE WON'T PUNISH OUR OWN FAMILY MEMBERS. WE WANT TO DEAL IT IN--HOUSE, SINCE MY SISTER HAS PROMISED TO PAY BACK.PLEASE ADVISE ME IN DETAILS.......WHAT SHALL I AND CAN I DO NOW?
HiThank you for your question and welcome to Just Answer. I will try to help with this.
please answer my question
How did she do this without your consent?what happened exactly?
SHE USE TO LIVE WITH US.....AND SHE USE TO DEAL WITH ALL OUR PAPERWORKS....SHE APPLIED FOR CREDIT CARDS IN OUR NAME.....INTERCEPTED IT AND USED IT. THATS WHAT SHE HAS TOLD US. MOREOVER SHE HAS AGREED TO PAY EVERY PENNY. I DONT WANT TO PROSECUTE HER. PLEASE ADVISE.
If you have already reported this to the police then it will be in the system and there is no way around that.You can tell them that you dont want to prosecute and they probably would not summons you as this wouldn't fall within the policy of doing so. The real problem though will be that you are not the complainant but the credit card company and so you cannot stop her being prosecuted on their evidence. There is a reasonable prospect that the paper trail will lead to her. You can withdraw your statement though and refuse to support a prosecution.In relation to the forms you have sent to the credit card company, you will need to take action over that. If you do not and they find this there is a risk they will blame you as well. If you tell the credit card company the truth and withdraw your report to them then you will be liable for the repayments amount but probably they would accept your withdrawal as they would prefer that you repay the funds.Hope this helps. Please press accept and then I will answer your follow up questions for free.
1. WHEN I WENT TO THE POLICE, THEY SAID, THAT, I SHOULD REPORT IT TO THE CREDIT CARD COMPANY AND THEY WILL HANDLE IT FROM THERE, ALTHOUGH THEY GAVE ME A CRIME REFERENCE NUMBER.2. I AM READY TO PAY THE CREDIT CARD COMPANY BACK, SINCE, THE FRAUDSTER IS MY OWN SIBLING. BUT HOW DO I DO THAT? HOW WILL I WITHDRAW THE APPLICATION? PLEASE ADVISE.
Not sure what you want to know exactly?You just tell the credit card company the truth and offer to make payments on the loan.I will be happy to continue with this but please remember to press accept.
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