High School Friend charged $7,000 on my Discover without permission!!

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High School Friend charged $7,000 on my Discover without permission!!

Postby vharriss » Mon Sep 03, 2012 7:20 pm

In 2011 I allowed an old friend from high school to use my Discover Card to redo my hardwood floors. He then used my card to charge $7,000 in additional flooring materials for jobs for other people he was doing business with.

I use this term lightly since he is currently in jail for theft by taking. Since I allowed the one time use of my card, Discover's fraud department is telling me tough sh**! I need help any advice out there?

I am a single mother, a teacher who doesn't make much, and my Discover payment is ridiculous!!! I have an excellent credit score and even going through credit counseling will only limit my payment to 4years but does not lower my monthly payment. This is not fair!!!! I did not authorize these charges and I can't afford to pay them back!!!

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Postby trumpet-205 » Tue Sep 04, 2012 7:37 pm

But you handed your credit card to your friend did you not? I'm sorry but you are responsible for this one. I can't see how you can win this one.

A better way to tackle this is to take out an installment loan from credit union/social lending website and pay it back. This should reduce your APR quite a bit.
In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
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Postby djrez4 » Tue Sep 04, 2012 8:18 pm

File a civil lawsuit against your "friend." Get a judgment. Take it out of his arse.
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