CREDIT CARD NA GINAMIT NG IBA HELP PLS....

Good Day po.. gusto ko lang po sana mag ask ng help..Pwede ko po ba kasuhan ang ex bf ko na ginamit ng ginamit ang cc ko ng hindi ko po alam.. ksi po alam nya yung cc number ko so ginamit nya po tru online.. pls help naman po what gagawin ko. at isa pa po meron po siyang utang sakin na cash, kaso lang wala po kaming written agreement na me utang po siya sakin..sana po matulungan nyo po ako ano ang gagawin ko. salamat po..

let's be very clear, you never authorized him to make those purchases or even to ever use your credit card? or you allowed him to do that before?

do you have proof that he was the one who benefited from the purchases?

hindi po bali alam po kasi nya yung mga credit card number ko.

bali yung mga purchases nya iisa lang nman yung sa online. dati po ksi naka supplementary siya sakin pero pinacancel ko na po tapos ginawa nman nya ginamit ng ginamit yung mga ibang cards ko. saka ko n lng po nalaman nung dumating na yung billing ko na meron ngamit na ganun samantalang hindi ko nman po ginagamit tru online.

bali nabuksan ko po yung email nya tapos nakuha ko dun yung mga confirmation ng mga purchases nya. meron po yung nkapangalan sa kaniya tapos nung yung akin na po ginamit nakapangalan na po sakin pero makikita naman po dun na iisa lang ang username na pinagpadalhan...

pls po, sana matulungan nyo po ako ano ggawin ko para masingil ko yung mga ginamit nya..

maraming salamat po...

first, send a demand letter to him that he pays you. if he fails, you can file a case of violation of Access Device Act against him for fraudulent use of your credit card.

meanwhile, you can contact your credit card company to contest the billing and state that the purchases were not authorized. they probably will not reverse the charges but it will be good evidence that you did not authorize him.

ask ko lang po if san manggagaling yung demand letter sakin po ba or sa barangay?

it can be from you or someone who represents you such as a lawyer. the bgy may be a good idea if he settles with you.

note, unless you can prove that you are authorized to open his email, the messages are not admissible as evidence. it would be different if they were forwarded to your own email address.