I need some advice ASAP we are about to be sued by Resurgent for Household bank for things we did not purchase and did not authorize
My husband and I have been paying on a debt that we thought was my dad's since around 2000. The bills would come in my father's name but had my address on it. My husband and I thought that my dad was having trouble financially because he had just retired. I have a brother who suffers from mental illness & he lives with my parents.
My brother kept having them get him computers and my husband and I thought that this bill was a result of that. My brother would have one computer and then he would want a better one in no time. We assumed that he pressured my parents too much and they caved in for more than they could handle. We paid on this debt without confronting my father because we did not want to shame him and we know he goes through it with my brother.
We paid and paid on this account and it did not seem to go down at all and some of the payments would be sent once every other month or so. They would not be consistent and then we would receive a letter demanding payment and late fees would be added on top of everything.
In addition, the invoices would come from different places. One time it would be from Household Bank and another time it would be from HRS USA, then the next would be Retail Services, HSBC or HRS. They all would be for the same account but one may have a zero in front and another may have two or three zeros in front of the account number.
My husband is the provider of our family. I am disabled and have been on home health since August of 1999. I have always tried to honor my father and mother and never thought that the bill may not be his. This was a hardship on my family because we verily make it as it is. We have two teenagers and I have medical expense. We only paid this because it was in my father's name.
My husband is an owner operator and recently was without work so we were unable to pay dad's bill for a few months. The bill collectors started calling & they were so hateful to us. I have never heard such vicious people in all my life. I am not supposed to be under any stress and they are the worse stress I have ever seen in my life.
Any way they called and harassed my parents on August 08, 2006, this caused my parents, and I to get to talking we figured out that none of us owe the bill that my husband and I have been paying on all these years. My parents had already paid off some of my brothers computers and the other ones are current.
My parents had gotten me a lap top computer since I am homebound & in bed and I think they thought I would be jealous of my brother getting the computers we did not accept them paying for it my husband keeps the payments current on my lap top. The bill that we have been paying was for some fraud person and not any bill of our family.
The creditors say that my dad took out a credit card from household bank on 10 Dec. 1999. My father did not request a credit card nor did he get one from them. He did not authorize anyone to get a card either.
Some one we know must have done this to us. My husband is over the road and I am homebound I have had numerous home health nurses and heath related people in my home. I have home health care every day and I get supplies delivered every month. I am not able to do my basic care and have to have assistance all my neighbors and friends know this.
I cannot think of who would do this to us. We live in a small community and it has always been a good community to live. I just do not know why anyone would do this and I do not know why he or she would target us like this.
We are upset with the identity thief and the lending bank. My dad has lived in the same home for over 30 years. I live in an adjoining town to him. It looks like the lending bank would have seen red flags on something like this and would have made sure that the one they were lending money to was really him.
I need to know what we can do about this. Can we get our money back? Can we file theft charges since someone used my address and his personal information? Can we be held responsible for this debt since I have paid so long on this account? How much will it cost to hire an attorney? Can my dad get his credit repaired?
We just became aware of this on 8th Aug. 2006 and are in the process of sending a dispute.
In addition, We have our genealogy on websites and have had online genealogy posts with our family listed. Could this company have found this and done this to us their self? I just do not understand who would do such a thing to us.
We have requested that they tell us what was purchased, where it was purchased, and the date that this purchase or purchases have taken place and they have refused to tell us. They said that we would have to get a lawyer and that the lawyer will have to get the information from them. Can they refuse to let us know about this? What kind of lawyer do we need?
When I asked the people at Resurgent Capital about the thousands of dollars that we are out, they tried to tell me that we did not even pay a thousand dollars on this account. I have found over 4 thousand dollars worth of receipts and we are still going through boxes.
They said that if we file a letter of dispute that they would then go after my husband and me. What in the world is wrong with these people? They have tried to make us into a criminal rather than the victim. If we were criminals we would have given someone else address and would not have paid a dime on this. This has had us so upset that my blood pressure is staying up and I cannot sleep. I am so mad at these people. We need to know what we need to do. Any assistance you can provide us will be so greatly appreciated.
Broken Bow, Oklahoma
U.S.A. Click here to read other Rip Off Reports on HRS HouseHold services