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Thread: Is this BS?

  1. #1
    AlexxaHex
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    Default Is this BS?

    My fiance's ex-roommate owes him several hundred dollars and has for quite some time. They still keep in touch and hang out occasionally, but there has been an understandable amount of resentment on my fiance's part about the money he is owed. I personally do not stay friends with people who owe me money (I don't really lend it in the first place) so why they are still friends is a bit of a mystery to me, but whatever it's not my friendship.
    So getting to the point -
    The ex-roommate guy (I will call him H) calls our house phone just now asking for my man who is at work. H then goes into some whole spiel about the money he owes him and at first I am kind of tuning him out because it's not totally my business, but then he says that he actually sent us a check in the mail and that supposedly someone jacked our mailbox and stole his checking account and routing numbers. He says there has been suspicious activity with his account and closed it at the bank.

    The truth is, it's impossible for anybody to steal from our mailbox (unless it is a postal worker) because it's LOCKED all the time. I also asked H to explain the situation further as I didn't think you could steal someone's money with just a routing and account number, but he sort of wormed his way around saying his account was "just all fucked up".

    So I guess what I am asking here is if it's possible to hijack someone's account and make repeated withdrawals with just the account/routing numbers.
    If I find out this dude is playing with money he owes and lying to us, I want to be prepared to tell him off with facts when the time comes. lol

  2. #2
    God/dess
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    Default Re: Is this BS?

    I believe you have to have more than the account number to make a withdraw. If you go to a bank they will ask you for ID, and you can't just use routing/account numbers to withdraw money online. Just think if that was true everyone who got a check from you, which has your routing and account number on it, could steal from you.

  3. #3
    God/dess Silverback's Avatar
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    Default Re: Is this BS?

    Depends on what your fiance values more, money or friendship. We all have or had unreliable friends. Sometimes they add more than they cost. Sometimes, once their gone, you'd give most of what you have to have them back.
    "He will come in one of the pre-chosen forms. During the rectification of the Vuldrini, the traveler came as a large and moving Torg! Then, during the third reconciliation of the last of the McKetrick supplicants, they chose a new form for him: that of a giant Slor! Many Shuvs and Zuuls knew what it was to be roasted in the depths of the Slor that day, I can tell you!"

  4. #4
    AlexxaHex
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    Default Re: Is this BS?

    I also find it suspicious that he didn't call to tell us that he was sending a check, which he claimed was about two weeks ago. If I were sending someone money in the mail, I would call and be like, "See, I'm paying you back! Check your mailbox" or something similar.

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    Featured Member snoopy's Avatar
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    Default Re: Is this BS?

    i call bs. the guy is claiming bank fraud and mail fraud, federal no-no's that are taken very seriously by the federales. at least claim something innocuous. sheesh.

    wire transfers like he's describing leaves a significant paper trail. routing numbers and account numbers are insufficient to withdraw cash (usually). and if it happened, it's the bank's fault and responsibility to settle up.

    maybe you should offer to report the mail theft to the local postal inspectors. i don't think he'd welcome such attention though.

    although i do agree with silver to some extent. anytime i loan money to a friend i consider it a "gift" and don't expect it back. money and friends (or family) don't mix well ime.

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    Featured Member Sinder's Avatar
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    Default Re: Is this BS?

    *sniff**Snnniiiiifffff*

    Yep. That smells like bull shit to me.

  7. #7
    AlexxaHex
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    Default Re: Is this BS?

    Well my guy called from work to say hello and I told him about H...boy is he pissed! He admitted to me that the only reason he kept talking to him was to hopefully get his money back, but now it's not even worth it. I'm glad he's moving on.

  8. #8
    Featured Member maximvsv's Avatar
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    Default Re: Is this BS?

    For someone with the right computer access, the routing number and the account allow someone to create electronic checks, payable to whomever. So, this fraud is possible.

    I still would expect that it didn't happen.

  9. #9
    PhillyDancer1982
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    Default Re: Is this BS?

    Most definitely it is bullshit! I was in a similar situation.

    I used to know a loser who would make up lame stories like that to get out of paying people back. He also told many people that he had cancer, which ended up not being true(but no one really believed him...so then he changed his story to being about a "herniated disc in his back" which was also untrue). I was in a similar situation with this loser and ended up taking the dumb male bitch to small claims court and suing him for the money that was owed. This might be a good next step for your fiancee to take.

    If you do this, I'd recommend that you gather up as much documentation, lease copies, etc so that you have a strong case. I'd also recommend that you pay the extra amount in court fees to have a constable deliver the court paperwork to H. Sure it costs about $40 or so extra(my court fees in PA ran me about $95), but it is so worth it...the constable keeps visiting H's residence until he agrees to sign a form stating that he received the paperwork. Otherwise, he could always claim that someone "stole" from his mailbox too and that might result in the courtdate being pushed back further and further. But the court fees will get tacked on to H's lawsuit anyway, so I'd definitely recommend paying extra for the constable...that is, if you go the lawsuit route like I did.

    By the way...I applaud you for de-friending people that don't pay you back your money. I've become the same way. And I always wonder why some other people don't do the same.
    Last edited by PhillyDancer1982; 05-16-2007 at 02:32 PM. Reason: added some stuff

  10. #10
    PhillyDancer1982
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    Default Re: Is this BS?

    Quote Originally Posted by AlexxaHex View Post
    Well my guy called from work to say hello and I told him about H...boy is he pissed! He admitted to me that the only reason he kept talking to him was to hopefully get his money back, but now it's not even worth it. I'm glad he's moving on.
    I already told you about how I was in a very similar situation. I did the same thing as your fiancee...kept a fake sort of friendship with the loser that owed me money, in hopes that he'd pay me back! Never happened. All that happened was, he found some dumb reason to hate me and he ditched me...which made me feel like I'd lost dignity...it was like adding insult to injury.

    I guess the bad experiences that I had before are the reason that I've started being a bit of a "stick-in-the-ass" in recent months. Ah well, I'd rather be a "dick" than a doormat.

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    Default Re: Is this BS?

    Sounds like total bs to me. How could someone have gotten into your mailbox if it is locked? It's good your man is moving on. That's why I NEVER lend friends money. $10-$20 is ok, but when it's in the hundreds like that,, no way!

  12. #12
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    Default Re: Is this BS?

    Quote Originally Posted by maximvsv View Post
    For someone with the right computer access, the routing number and the account allow someone to create electronic checks, payable to whomever. So, this fraud is possible.

    I still would expect that it didn't happen.
    This is true, but it would be easily traceable. For instance, if they paid a bill, they would be able to trace it back.

    If the box is locked, it's definitely bullshit.

  13. #13
    God/dess xdamage's Avatar
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    Default Re: Is this BS?

    Sounds like BS. It's also been my policy never lend money to friends that you want to stay friends, and never lend money to enemies, so IOW, never lend money to anyone. I'd make an exception for close family, but that's it.

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