I get a memorandum from the insurance company maxim I owe money. It is my ex- girlfriend's debt. What should I?
This was for her automobile insurance policy back contained by 2004. The amount owing is $554.00. I have no way of contacting her; I can't even find her on facebook. We didn't terminate on good terms (and it's because of stuff similar to this!)
She hadn't paid the auto debt for 5 years, and it's only presently that the insurance co. is coming round to bug me. They say that I was registered as the primary driver and owner of the vehicle, which isn't true. I haven't owned a motor since 2001 (can't stand them). I don't remember signing the policy, but they do have my driver's license number. Do I have any option?
Answers:
pay it and ask or sue your former gf for the amount
it is probably that u signed the policy (ask to see it if u wish), and u are liable for the debt
have them submit you proof.
you state not owning a auto since 2001, but they show you as the registered owner/driver for 2004. they tracked you due to your drivers license and since you and most expected them, cant find her also.
could it be that she "fraudulently" put you as the owner/driver of this policy?
you should have had to sign something, influence an application? can you get copies of this to prove this is not your signature?
who owned the auto? was it financed? what pet name is on the title?
good luck
The burden of proof is on the insurance company. If they cannot prove you had a contract with them they hold no claim. Regardless to whether or not they have your information, you owe them nothing unless they can prove it. Anybody can return with information on individuals to make it sound legal. Collectors use any scare tactics they can to take people to pay. Scare campaign work for people who don't know their rights and this is what they count on. I would suggest writing a letter to them demanding proof and present them at least 10 days to provide it. Tell them if they do not provide the proof within that time frame and verbs to harass you, let them know you will wallet a lawsuit for harassment. Companies hate the word "harassment" and they tend to shy away if they be aware of the individual is serious.
Also, if this happened back within 2004 and they didn't resolve the problem within a year, the statute of limitations has run out. They hold one year to discover any accounting errors and to notify the other party. If not within that one year time frame, that's their problem.
On another file, I cannot understand how you would owe for car insurance. I'm no expert on property and casualty insurance, but from my experience, coup¨¦ insurance is usually paid in finance or on a monthly basis. If the payment is not made, the insurance company cancel the policy. In doing so, they have lost nothing. I don't know of any insurance company that will allow you to be insured if the payoff has not been made. I can guarantee you if you be one day late within making a payment beyond the grace period and have an accident a day after the transmittal was due, they would deny the claim.
Eh. Yeah, it sounds like they are grab at straws. But if they weren't paid premiuims for 5yrs, how did you not get canceled? Ask for them to prove. Also, telephone your agent- no the insurer and see what they say.
Ask them to send you a copy. Perhaps she put you on the paperwork and it's also possible that she falsified your signature and also could enjoy put in your drivers lic. number. But asking for a copy is your first step.
Well, SOMEONE told the insurance company that you be the owner of the car - that would make you the first name insured on the policy, and responsible for any debts owed on that policy.
Maybe you bought the insurance in your name to hide away her money?
It doesn't matter if you remember signing the policy or not. SOMEONE gave them your info and heading, and that's not something they'd make up.
If there WAS a policy surrounded by your name, with you as first name insured, then you have no option - you owe the money, they'll sue you for it, and get the judgement.
Related Questions:
She hadn't paid the auto debt for 5 years, and it's only presently that the insurance co. is coming round to bug me. They say that I was registered as the primary driver and owner of the vehicle, which isn't true. I haven't owned a motor since 2001 (can't stand them). I don't remember signing the policy, but they do have my driver's license number. Do I have any option?
Answers:
pay it and ask or sue your former gf for the amount
it is probably that u signed the policy (ask to see it if u wish), and u are liable for the debt
have them submit you proof.
you state not owning a auto since 2001, but they show you as the registered owner/driver for 2004. they tracked you due to your drivers license and since you and most expected them, cant find her also.
could it be that she "fraudulently" put you as the owner/driver of this policy?
you should have had to sign something, influence an application? can you get copies of this to prove this is not your signature?
who owned the auto? was it financed? what pet name is on the title?
good luck
The burden of proof is on the insurance company. If they cannot prove you had a contract with them they hold no claim. Regardless to whether or not they have your information, you owe them nothing unless they can prove it. Anybody can return with information on individuals to make it sound legal. Collectors use any scare tactics they can to take people to pay. Scare campaign work for people who don't know their rights and this is what they count on. I would suggest writing a letter to them demanding proof and present them at least 10 days to provide it. Tell them if they do not provide the proof within that time frame and verbs to harass you, let them know you will wallet a lawsuit for harassment. Companies hate the word "harassment" and they tend to shy away if they be aware of the individual is serious.
Also, if this happened back within 2004 and they didn't resolve the problem within a year, the statute of limitations has run out. They hold one year to discover any accounting errors and to notify the other party. If not within that one year time frame, that's their problem.
On another file, I cannot understand how you would owe for car insurance. I'm no expert on property and casualty insurance, but from my experience, coup¨¦ insurance is usually paid in finance or on a monthly basis. If the payment is not made, the insurance company cancel the policy. In doing so, they have lost nothing. I don't know of any insurance company that will allow you to be insured if the payoff has not been made. I can guarantee you if you be one day late within making a payment beyond the grace period and have an accident a day after the transmittal was due, they would deny the claim.
Eh. Yeah, it sounds like they are grab at straws. But if they weren't paid premiuims for 5yrs, how did you not get canceled? Ask for them to prove. Also, telephone your agent- no the insurer and see what they say.
Ask them to send you a copy. Perhaps she put you on the paperwork and it's also possible that she falsified your signature and also could enjoy put in your drivers lic. number. But asking for a copy is your first step.
Well, SOMEONE told the insurance company that you be the owner of the car - that would make you the first name insured on the policy, and responsible for any debts owed on that policy.
Maybe you bought the insurance in your name to hide away her money?
It doesn't matter if you remember signing the policy or not. SOMEONE gave them your info and heading, and that's not something they'd make up.
If there WAS a policy surrounded by your name, with you as first name insured, then you have no option - you owe the money, they'll sue you for it, and get the judgement.
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