I’ve got a case that I’m sure this has happened before. Back in February of 2009, my now ex-girlfriend use my credit card to enroll on an online game website. I was told by her that it was only for enrollment and I would be charged unless she purchased games. Shortly after this we broke up and we went our separate ways.
Before I delve into the issue I’ll give you a short background. When we dated she lived in England. I travel for a living and frequented England quite often while residing in Canada. The website in which she used my credit card for supposed “enrollment purposes” is a legitimate American company based on the west coast of the United States somewhere.
I subscribe to online billing with this credit. I don’t see a list of the charges unless I chose to download the statement. Normally, I see the amount owing and I pay without question. If I had only checked February’s bill I could have caught the problem before it became one.
Now it’s November and I’ve recently sifted through my bills only to find a reoccurring charge from this website which I’ve never visited. It turns out there was no reason for a credit card outside of full fledge enrollment and monthly billing. If she liked she could have had the membership cancelled prior to one month without penalty but she never did - she just left it. She says she never used the website but after consulting with a customer service agent for the website they said they were unable to confirm activity as they don’t keep track of it. I was never able to cancel this through the website nor was ever sent any bills because the username was under my ex’s email address. Therefore, I didn’t have access.
In the meantime, I’ve had the membership cancelled. They said they would return one month’s billing. However, at this point I’m still stuck with 200.00 in charges spanning 10 months.
I’ve called my ex to have her explain why she hadn’t cancelled the membership which her reply was she thought she had and that she didn’t use it and it’s my fault for not checking my bills. I realize I’m partly to blame for allowing her to use my card but I believe it was under false security.
My question is do I have a legal case here? Can I ask her for the money to pay for this? Is this fraud? Under which country law would I refer to?
jeffysdad wrote:divert this conversation and antagonize at least some people. IMO one should never, ever comingle one's finances with a boy/girlfriend, significant other, fiancee, even spouse. You had your own liabilities, assets, etc. prior to meeting your partner and so did he/she. If it was working prior, why risk screwing it up. If it wasn't working, mixing your mess with someone else's isn't going to fix it. No one should be allowed to get married without a prenup, and disposition of major joint assets, like a house, in the event of separation should be decided at time of the couple's union or the asset's purchase. Happy Valentine's Day.
Feel free to rage at me now.