06-16-2008, 08:31 PM
| #1 (permalink) |
| Platinum Lifetime Member  Last Online: 02-22-2009 06:23 PM iTrader: (0) Join Date: Apr 2008
Posts: 38
DNF$: 100 Location: California  |  What Do I DO!?!?!? I recently submitted some loan documents to a bank...I mailed them...The envelope was marked "loan documents". It arrived at the bank opened and the loan documents were missing! What should I do?? Should I get a lawyer and sue one of the companies for this identidy theft incident? What would the result be of suing over such an issue???
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06-16-2008, 08:46 PM
| #3 (permalink) |
| Exclusive Senior Member  Last Online: 11-21-2009 02:56 AM iTrader: (244) Join Date: Nov 2006
Posts: 7,269
DNF$: 351 Location: Canada
Country:               | I am sorry... but there is only one thing you can do bud - add few more dollars and use registered mail service next time or Fedex/UPS like service.
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06-16-2008, 08:47 PM
| #4 (permalink) | |
| DNF Addict  Name: Doug Last Online: Today 07:44 PM iTrader: (175) Join Date: Jul 2004
Posts: 6,886
DNF$: 68,548 Location: Florida
Country:  | Quote:
Do you have proof the loan documents were taken from the envelope? How do you know the mail sorter did not cause the envelope to open? Do you remember licking the envelope and sealing it?  As mentioned above, I would definately put a block on your credit report. Forget the whole sueing part. Last edited by jdk; 06-16-2008 at 08:48 PM.. Reason: Automerged Doublepost | |
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06-16-2008, 08:49 PM
| #5 (permalink) |
| Exclusive Senior Member Last Online: 11-21-2009 02:56 AM iTrader: (244) Join Date: Nov 2006
Posts: 7,269
DNF$: 351 Location: Canada
Country: | and ... no marks like "Credit application inside" or "Attention: Credit Department" anymore please ...
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06-16-2008, 08:54 PM
| #6 (permalink) | |
| NameIntell.com  Last Online: Today 10:49 PM iTrader: (326) Join Date: Apr 2004
Posts: 11,599
DNF$: 41,808 Location: Pennsylvania
Country:      | Quote:
Always send 'Certified & Return Receipt' for important document. | |
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06-16-2008, 08:56 PM
| #7 (permalink) |
| Platinum Lifetime Member Last Online: 02-22-2009 06:23 PM iTrader: (0) Join Date: Apr 2008
Posts: 38
DNF$: 100 Location: California | I actually had the files delivered through Fed-Ex... Thank you for all of your advice folks, I appreciate it...Im getting my credit frozen ASAP
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06-16-2008, 09:02 PM
| #10 (permalink) |
| Account Terminated  Last Online: 06-19-2008 12:08 PM iTrader: (22) Join Date: Mar 2005
Posts: 2,891
DNF$: 12,723 Location: my home is where my bank account is
Country:     | yea, you can sue Fed-ex, sue them for emotional distress, hassle and the sleepless nights the loss have caused, you can sue for anything in CA ..bum but have all proof ready and no win-no fee lawyer just in case |
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06-16-2008, 09:04 PM
| #11 (permalink) |
| The Evil Mod  Name: Ed Last Online: Today 09:18 PM iTrader: (36) Join Date: Dec 2007
Posts: 8,355
DNF$: 63 Location: South Florida
Country:         | Call the three credit bureaus (even if you put a block with one, it may not carry over to the other two) and issue a fraud alert on your SS# and also check to see if anything has been approved in the past few days and kill it.
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06-16-2008, 09:08 PM
| #12 (permalink) | |
| Platinum Lifetime Member  | Quote:
Let me go and phone fedex to see if they can deliver something for me? BTW .. whats the name of the bank .. because if this keeps up I may soon 'own' Manhattan! On a more serious note .. Have you or anyone claiming to be you borrowed the money yet? | |
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06-16-2008, 09:41 PM
| #13 (permalink) |
| Platinum Lifetime Member  Last Online: Today 09:35 PM iTrader: (22) Join Date: Sep 2005
Posts: 988
DNF$: 1,145 Location: Los Angeles
Country: | call a account rep at fedex and ask if he'd like the press when one of the fedex employees uses the data a year from now.
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06-17-2008, 08:01 AM
| #15 (permalink) |
| DNF Addict Name: James Last Online: Today 04:44 PM iTrader: (48) Join Date: Jan 2006
Posts: 3,915
DNF$: 1,012 Location: UK
Country:   | A simple solution to avoid this type of thing in the future, is to become fabulously rich, and therefore negating the need to apply to borrow any money! Don't thank me for the tip - just glad to help  |
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06-17-2008, 10:53 AM
| #16 (permalink) |
| DNF Addict  Last Online: 09-23-2008 04:35 PM iTrader: (2) Join Date: Oct 2002
Posts: 1,100
DNF$: 4,835 Location: Columbia, MD  | Unfortunately, all you are entitled to is a non performance refund. But usually loan/refi shipping is paid by the bank and they are entitled to the nonperformance refund. But I would still file a claim and demand information on the handling of the letter. I will admit, Fedex (The Express, not the ground service) is very good in the handling of thier express mail. Also, have the bank save the envelope and have it investigated. I had one envelope which was opened by the conveyer belt and teh paper were destroyed and the envelope looked like it was eaten. Now, if the envelope was opened using the pull tab, then that is a concern. I would demand answers and push the matter. (Yea, in the shipping business)
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