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Discussion Starter · #1 ·
Apparently a 'friend' of mine who i havent spoken to in YEARS used me as a credit reference for some student loans... I guess shes not making payments and the loan co is contacting me via phone and mail... now keep in mind my address and ph# are completely different then when i knew her. How they found me is something that is a whole nother issue...Should i call the loan co and tell them to go 'blow bubbles' or should i just shred their mail? we call screen so i dont usually answer the phone.<br><br>
It just irks me <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/irked.gif" style="border:0px solid;" title="irked">:<img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/irked.gif" style="border:0px solid;" title="irked">:<img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/irked.gif" style="border:0px solid;" title="irked">:<img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/irked.gif" style="border:0px solid;" title="irked">: that she would use me as a reference and not tell me... i dont know when she did this... but i do know she isnt paying...<br><br>
the loan co cant make us pay her debt so this is just a huge PIA
 

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I would not worry about at all if you have no talk to her in years.
 

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Why are they even bothering with you if you were just a reference, not a co-signer or a guarantor?<br><br>
I'd tell them once that you've got no obligation to pay, and you have no intention of doing so. It may work, and that will eliminate the headache. These companies are ballsy. About 10 years ago, I started getting calls because someone with my name guaranteed a loan that had gone into default. I called several times, because I was worried they would pursue me. It turned out the ONLY thing we had in common was our first and last name, which are not very unusual; we had different ssn, middle initials, addresses. The company was just going through the phone book or whatever calling everybody with the same name. It occurred to me later, they had the person's ssn, they almost certainly could track her down; they must think they can scare someone else into paying.
 

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If you answer the phone, you can just tell them that you do not know her or do not have any idea where she is any longer and cannot help them, then ask for a manager and have them take you off the list. Tell them to never call you again or you will go after them for harassment. Write down the details and if they call you again, it is harassment and I believe they will have to pay $10K in fines to you, something like that.
 

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I had to put down references when I got student loans. They aren't expecting her to pay them. They want her to tell them where she is if she knows. I'd just answer the phone and tell them you have no idea where she is and be done with it. They certainly don't exect you to pay. I don't really see why it's that much of a PIA. We get calls from collections from the people who had the phone number before us. I just say nope they don't live here and no I don't know them and that's the end of that. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/shrug.gif" style="border:0px solid;" title="shrug">
 

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This happened to me as well. The person was a cousin of my ex husband's.<br><br>
I just explained to the caller that I didn't know where the person lived since I hadn't seen her in oh, about 10 years. That stopped the calls.<br><br>
Generally they're just calling to try and locate the person who is in default.
 

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My husband's cousin also used us as a reference and isn't paying --we get letters all the time asking for his address/ phone number but they've never called us -- or maybe they have. Our home phone goes straight to the fax machine and we NEVER answer it.<br><br>
Anyway, I throw the letters in the trash and don't give it another thought.
 

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<div style="font-style:italic;">I had to put down references when I got student loans. They aren't expecting her to pay them. They want her to tell them where she is if she knows. I'd just answer the phone and tell them you have no idea where she is and be done with it. They certainly don't exect you to pay.</div>
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Yeah, I always had to put down references for student loans and it's for exactly this reason- they are just trying to figure out where the person is. I'd answer the phone and tell them you have no idea and be done with it.
 

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I'd call them once and tell them you don't know where she is and that if they continue to contact you, you will either ignore it or report them.
 

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One time I had a medical bill that the insurance covered, but didn't pay for in a timely fashion and conveniently, it was past the time they allowed to process a claim.<br><br>
3 years after the procedure was done, I got a call from the company wanting payment - found out they called the neighbors of my old address to find me!<br><br>
So, yeah...I think they are just looking for your friend. I'd probably answer it and tell them you don't know where she is.
 

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We used to call it the "stalker" line.<br><br>
"List the name and contact info of someone unrelated to you who will always know where you are."<br><br>
Just tell them that you don't know where she is.
 

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Discussion Starter · #12 ·
In the grand scheme of life its not that big of a deal... but i DONT NEED anything to deal with during the day.. Im just cranky sorry...<img alt="" class="inlineimg" src="/img/vbsmilies/smilies/gloomy.gif" style="border:0px solid;" title="Gloomy">:
 

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hey, unneeded stress is too a big deal. who wants calls from agencies?<br>
{{{hugs}}} mama<br><br>
eta: just saw you have 8 kids, you definitely don't need random calls! you go mama!
 

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I'd be annoyed, too, if a random bill collector was calling for someone ELSE's unpaid bills.<br><br>
Perhaps try this: "You know, we haven't seen that deadbeat in years. She disappeared owing us money, too. I sure would like to give her a piece of my mind. You'll have to let us know when you find her. Say, can I have your name and phone number so I can call and check on your progress in locating her?"<br><br>
Repeat ad nauseum, with as much dramatic "outrage" and flair as you can muster. I'll bet they don't call you back after that. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/winky.gif" style="border:0px solid;" title="Wink">
 
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