Question by waynesvilleblue: life partner got loan over the phone and added my name to it. She died and now they want me to pay.? My life partner secured a personal loan from Capital One over the phone. She added my name as a secondary responsible person without my knowledge or permission. She told me she got the money from her family. My partner passed away during the holidays; now Capital One says I have to pay the balance of the loan or they will ruin my credit. Best answer for life partner got loan over the phone and added my name to it. She died and now they want me to pay.?:
Answer by Me again
"Life partner"?
Answer by Scott K
I'm thinking you left off part of the story, the part where you signed on the agreement? Something besides your partner's good word made them think that you were responsible. Was your living situation such that a reasonable person would conclude that you were living in a civil union or marriage in a community property state? Or, did you write the checks to Capital One when you were paying bills? Or, did you benefit from the money they loaned to your partner? If none of that applies to you, then I would simply write them a polite letter telling them that they are barking up the wrong tree; the loan was your partner's business and that you have no intention of paying what they think they have coming. Further, should your credit worthiness decline as a result of any collection procedures, you will be forced to obtain the services of an attorney and seek a restraining order and appropriate monetary damages.
Answer by robert w
ur partner preformed criminal fraud and theft . sorry now u will have to pay for it. sorry retain quality legal advice to fight this and yes ur credit will be manure while u fight this. ask for copies of papers with signature (yours) before paying anything. do nothing with them with out written proof. do not bend to their loan shark tactics or extortion. a verbal application is a weak stand on their part.
Answer by smwand
You promised nothing to the company unless they have your signature. Please seek legal advice immediately as Capital One moves quickly and tend to Bully. They recently began garnishing my paycheck (legally) although I was trying to work with them. I was being kind and they were NOT. They dont mess around, but my attorney told me that if you personally do not sign an agreement, and you personally have promised them nothing then you are not responsible for someone elses debt. Please seek counsel asap.... I am sorry to hear about your life partner. god bless.
Answer by madges_girl
Have them provide a contract with your signature on it taking responsibility for the loan as a co-signor...then you need to pay it. If they can't, which since you didn't know or authorize it, then they can go suck an egg. No one can add you as a responsible party to a loan without your signature.
Answer by Craig T
Without your signature or something else that validates your agreement to said loan and responsibility for the debt Cap One is out of luck. However, you need to find out if your life partner forged your signature on the loan documents, if so things might be a bit trickier and you may need to consult an attorney
Press Release issued Jun 26, 2012: Over the past few years a less-than-perfect credit score can mean having little or no access to all types of loans. ... Through its website CapCredit.com, the company's offers a short-term personal loans matching ... Cap Credit Now Offers Personal Loans to People With Sub-par Credit Score
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