NetNews Usenet Archive 1992 #20/NN_1992_20.iso/spool/misc/consumer/16194

Text File | 1992-09-07 | 1.8 KB | 49 lines

Newsgroups: misc.consumers
Path: sparky!uunet!wupost!eclnews!cec2!gl1
From: [e-mail] (Greg Lyon)
Subject: Credit Problems
Message-ID: <[e-mail]>
Sender: [e-mail] (Usenet Administrator)
Nntp-Posting-Host: cec2
Organization: Washington University, St. Louis MO
Distribution: na
Date: Sat, 5 Sep 1992 16:46:47 GMT
Lines: 36

    I have a bit of a long problem, so bear with me while I explain it.

    I am currently a 20 year old college student.  In early 1989, my mother
received a "pre-approved" application from Discover Card.  When she filled it
out, she asked that a copy of the card be made in my name. (I was 17 at the
time).

    Over the past year, my mother has been going through some financial
problems, is unemployed and unable to make payments on the balance.  Currently,
the card is around 90 days delinquent.  She has been getting the standard
"please pay now or else" calls from Discover.  Recently, Discover started to
make them in my name as well.

    After speaking to the "Regional Collections Manager", I was told that it
appeared to them that I was put on the account as a "joint cardholder" and
did not just receive a copy of the card in my name as had been asked.

This leads me to ask several questions :

1) If I only received a copy of the card (and she remained the official
cardholder) am I responsible for paying the bills ?

2) If I somehow did end up as a "joint cardholder" accidently, what recourse
do I have to get my name (and credit history) cleared from this mess ?

3) If I somehow ended up as a legititmate "joint cardholder", am I responsible
for paying the bills even if I was under age 18 at the time the application
was filled out ?

 Any help anyone could give regarding all this would be most helpful.

Thanks,
Greg

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