Can a lender charge against my acct w/out my consent?
466847
Get a lawyer.  I don't know what the legalities are here, but something doesn't sound right.
564283
not every lender reports to credit agencies...plus there are 3 agencies...did u check all 3?  \n\ncall to find otu which one they report to and if they dont ask them for a record of your payments.  then tell them "does this mean I can NOT pay you and nothing will happen if you cant find the car?"
151490
Yes, sometimes you can.  You may have to take an interest only loan, and one with a high interest rate, and you will probably be given terms of a hugh pre-payment penalty.  Not all lenders look strickly at the numbers, some actually do look at the over all picture and past history before your circumstances forced you into bankrupsy.  Good Luck, and keep looking as there are some companies out there!
673409
So the lawyer has taken another morgage on your property. In my opinion it seems that the Lawyer has committed fraud, in which case is a matter for the criminal courts. In the case of the loan Im afraid as the law stands here as long as the morgagee (loaner)was innocent in his dealings the loan sticks. I would hire a lawyer quick smart and dependeding on your countires land law you may be entitled to compensation. It seems that the Lawyer may have said " I represent X (your name) who has requested a loan on the property, morgagee doesnt care makes preparations. Im afraid the loan stands, with the option of a possible statute remedy (see a lawyer).
747016
absolutely not....it is a scam. you give them your account numbers to get money they say they are loaning you deposited then they clean out your account and use your information to open credit accounts then run up more debt.  it is fraud that needs to be reported to the police.
687001
Read the Fair Credit Protection Act.\n\nI've posted the portion that relates to your question.  Since you intiated the business transaction by calling them, they can technically pull your credit report.  About all you can do to prevent it is demand up front that they do not pull a report until you actually agree to do business with them. \n\nSince they have nothing in writing from you, it may be possible to pursue this.  It would be possible to this the inquiry removed from your report.  You could push it with the court, but I don't think it will go very far.\n\nGood luck
637299
Dear Lender,\n\nI would like to request a ________ month/year loan for $X, the purpose of which is to ___________________. For collateral, which will have a value of at least 125% of the loan, I am prepared to grant a security interest in the following property:\n\nThis loan will be repaid from _____________________.  I look forward to discussions with you regarding this request.
1012743
The interest rate you are charged varies by state. Some states have laws that restrict "gouging" or it's formal term - Usary. \n\nConsumer Advocacy Center (www.caclawyers.com) should be able to help you.
771864
Call the company and explain the situation.  They can often reverse the charge on your account when you correct the situation.  Most places are reasonable.
923161
Not from me, you can't. Lending institutions like to lend money to people who show some capability of paying it back.
179746
I'm not quite sure, but I think you can go to your acct/Myacct and they tell you there.
927305
its alwas asking to borrow money from me.
901434
Great question, it is so hard to do that, good all Bank of America, (I'm so sick of them) don't do the math right, I'm telling you. Regardless of whether they admit it or not guess who looses? the customer, they are never wrong and there is no one to protect you, unless you can hire an attorney. \nGood luck.
583860
There are three aspects:\n\n1. Asking for paying difference: Bank get the agreement in such a way that if they sell property and the same is not sufficient they can sue for remaining amount and get that from other personal property of the loanee. So the bank can definitely ask your husband for difference.\n\n2. Going after you: They cannot as you were not party to the loan.\n\n3. Bank disposing off the property at lower rate - If bank have advertise the auction properly and have sold that house in the auction then I am afraid you may not be able to do anything. However if you can prove that bank has not taken proper care to sell like they would have done for their own property then you can definitely sue the bank.
450916
They should have told you when you refinanced what interest rate they were charging you.  It is legal to change the interest rate.  You should also have asked what rate they were charging.  You didn't read the contract carefully.
26991
Most likely, you are the potential victim of a con.  Notify your local law enforcement and/or your State's Attorney General unless you are certain you dealing with the bona fide representative of a financial institution authorized to engage in business in your state.  If you believe you are dealing with a bona fide financial representative, then you need to contact your personal attorney.  Only they are capable of answering this question correctly.
942437
Speak with an Attorney about this. Sometime some company don't have to abide by the POA, or they choice not too. \nGet an attorney involved, and I'm sure things will flows after that.  I do hope you are sending the company the copy of your POA, not the original!\n\nI think the company concern are who will be the person paying for all this credit card charges. Just to let you know, being given the condition of using her card, you are liable for all these charges.  Even though, your mom's name is on the card.  The company will be going after you for this.  I do hope you are aware of this.