Can companies bestow out personal credit information?
Question:
hayla, natures intentions of liverpool clean york gave out some personal credit information to family they called trying to contact us.
Answer:
You can directory a complaint with HR and receive sure it does not happen again, but what can you do give or take a few it? Very little. If your an employee I don't come up with you can afford an attorney if you could find one that would be interested in such a small travel case. That is the business world.
The fine print on an pllicaiton you filled out may own made it legal for them to vend your information to solicitors.
no, they are not allowed to donate out credit information except if you consent on it.
What happen when your credit card expires?
Question:
i dont want to keep the report and credit card i have very soon.but i dont want to close it. if i keep it untill it expires and they distribute me a new one, if i dont motivate it i wont have an side with them anymore right? or would i enjoy to tell them i dont want to enjoy a nother account when my card expires?
Answer:
Either let somebody know them not to send you a tentative one or don't activate the different one when you get it.
I cut up a Victoria's Secret credit card after I remunerated it off. They are still increasing my constrict, and it shows very favorably on my credit report, near a 0 balance.
You want to contact them before you current card expires and report to them.
you either want it or you dont?? if you dont share them to close it if you dont want to close it spend minimum on it and pay it past its sell-by date the first month this will keep it interested for you
If you don't want it...close it
it will be one less explanation to remember to cancel if your cards are stolen
Some card companies will charge you for an desk account to receive your attention.
How do credit card companies or collection agencies capture your cellular phone number?
Question:
If a person is slowly paying a credit card bill , how do the companies get your cellualr phone number when you just gave them your home and work phone numbers when you first applied next to them?
Answer:
There are many ways that they could capture your Cell Number.
1. If you ever call them from your Cell Phone they own your Cell Number. Even if you make it private when you telephone call an 800 number that company has access to it.
2. You enjoy used your Cell Phone number on another application/card. All of your contact information is put in a part of the credit report. This shows every variation of Street Address/Phone number any company have on you.
3. They did a search and purely happened to find it on the internet near good weak detective work. This usually will happen when your debts shift to collections.
Someone had mentioned the Do Not Call Registry, that works for Unsolicted phone call. If a company has business next to you they do not need to check that. You can however report to them to not call you on the phone number. Do this by Certified Mail to the company and if they phone you again on it you can perhaps appropriate some action against them.
You are still responsible for the debt if you explain to them not to call you, they of late won't keep calling you on it.
All they hold to do is a credit check and it will show you have a cell phone and your phone number is right in that on the credit check paper.
That's not the simply thing they get, sweet pea. They know stuff even you don't know about yourself.
your cell phone story number is usually your phone number. if they pull your credit report, it will own that number on it.
perhaps they call the number of the person you programmed on the application as nearest relative not living with you and that individual passed on your number.
Do you use the credit card to pay your cell phone bill ? If so,
thats why they own the number. Also, if you are behind on your cell bill, the cell company can report it to them beside the cell number and it will show on your credit report. Also, when you get a cell phone, they do a credit check and the number is automaticly put on your credit report.
They find your number on your credit report, but you can in a minute put your cell phone number on the do not call registry at www.donotcall.gov. It may bear a little time, but the call will stop.
because they are a nosy bunch who close to to call individuals and bother them for $2.00 especially when its 9-10 at night
i suppose its because they do a search on your first name...usually you have to dispense your name and SIN/SSN on your application for cell phones
and after they might do a credit check before you can procure your phone anyway...so they have your info anyhow
I see one being has it right; they get it off tourist ID when you called within.
doing credit check opens up complete history of your historic and present activities and here they can find all the information they want.
At one point you probably gave it to them. I hear SPRINT PCS voluntarily sells their background base to affiliate companies. They need market share and this is one of the ways they create money.
have a look at this site. they can write a program that go through all the numbers http://www.superphonebook.web
all cellphone numbers are anyone released to telemarketing companies and you will start to receive sale call. YOU WILL BE CHARGED FOR THESE CALLSTo prevent this, call the following number FROM YOUR CELL PHONE: 888-382-1222.
It is the National DO NOT CALL roll. It will only bear a minute of your time. It blocks your number for five (5) years.
There is an amazing amount of information that goes out over cyber space. Any time you bequeath that cell phone to a creditor or to apply for credit or even for other innocuous purposes like insurance, it is reported. Companies resembling Lexis Nexis gather information in the region of you and sell the information to any subscriber. If a collection agency requirements to contact you they will pull a report similar to Accurint which has not individual your cell phone but also your neighbor’s names and numbers and potential familial member’s names and numbers.
There are other ways they can bring back this too, like pretexting but more than imagined you gave it to another creditor as a second point of contact.
OC1999 is right.
My counsel for you
1. Budget better!
2. If you have debt next to them, write a letter to start a transfer of funds plan or write it to come to an agreement that works for you.
3. Get a lawyer to bid and settle with them
4. Just bring a lawyer to send for to tell them that you don't own the money right now.they revulsion lawyers and prefer not not business deal with them.
5. Wait 7 years for it to slop off of your credit report...double check this one thoughit may diverge for credit cards.
on credit check if you put it anywhere on credit for contact imformation they got it! I know i found out the thorny way `
When you riddle out application for any credit card or collection agencies, once they pull your credit report your cell number may be on it. Or if you put personal mention on the application they may have contacted one of them and they give them your cell number.
easy...show and enlighten.
many companies work underneath a umbrella corporation. other-words many companies or products that we love and trust are owned by one company. they habitually share or sell our information to other companies.
near is no such then as a true privacy directive
sorry
Owing the affairs of state money?
Question:
a credit agency came contained by contact with me more or less a debt supposily from when i was contained by the military and when i got salaried and discharged, they said they overpaid me. can they accually come after me if i have paperwork showing that everything be paid past its sell-by date the day i be discharged. they said there be some mix up, and i owe them. but how was i suppose to know after 2+ yrs after mortal discharged, and my paperwork shows no such debt at all. what do i do, and who to i contact?
Answer:
Definately research your option, maybe near an attorney. Also, if they have reported the debt to the credit bureaus, you can transport a letter to respectively of the bureaus with your proof of clearing paperwork to be added to your file as a dispute until its adjectives settled. That way, if someone pulls your report, the denial debt being disputed will not emulate negatively.
aww honey i would def get some decriminalized advise over thisone!
deduce someones trying to do you over!
xxxx
I would write them and enclose a COPY of the proof that you enjoy. That should take watchfulness of it. Good Luck!
Can credit be obtain on an iva?
Question:
someone wants to find credit but my name have to be on the finance for more information even though i am not paying for it. I have an iva. would the other being still be able to take the finance or would me man on the paperwork put a stop to it
Answer:
I think u should ring customer services and ask them
Tell them to draw from the credit in their own dub, you could be landed beside even more debt, how silly to be even discussing this. The IVA is in place to give support to you get out of debt, not find into more
Hi Vic
You must not try and obtain any credit whilst within your IVA. Your proposal specifically states that you will not obtain credit when within your IVA. If you break this rule and your supervisor finds out he may be forced to declare you in receivership.
Added to this even if you are successful in getting credit which is unlikely present the fact that your IVA is record on the IVA register, the other party to the loan will after be financially linked to you and as a result will inherit your poor credit rating ven if their credit rating is excellent in a minute.
Visit this website
http://www.myiva-adviser.com
and read the article at this link for more information
http://www.myiva-adviser.com/blog/2006/1...
There are also some other excellent topics on their blog which is at this correlation
http://www.myiva-adviser.com/blog/index
How do i remove unenthusiastic things rotten of my credit report? i file bankrupcy.?
Question:
i know i cant get the bankrupcy bad and thats fine but i wanted to know how i can attain the negative item i got charged rotten, off my report?
Answer:
Depending what country and state you are within, there may be legislation that prevents that kinda information from person removed for a certain time of time. For eg: it could be 5 or 7 years.
Another way to shift about it, stop by the births, deaths and marriage registry (or whatever it is call where you are) and try to transformation your name. Even if its only your first name, or run a letter or 2 sour it. Then apply for a bank description, license etc in the up to date name and start fresh.
I don't know exactly how, but I know that lawers do that for sure.
Global Investors Community
http://www.moneyhowto.com
I recommend credit repair unless you own lots of time and a high tolerance for aggravation. Some things are better moved out to the professionals. A quality company will be a non-profit, tender a money-back-guarantee, and commit to raise your win up to 90 points in 90 days. They will credible challenge the collapse as well.
Only time will find legitimate unenthusiastic items off your report and anyone who tell you differently doesn't know what they are talking almost. There are a lot of scam out there who will charge you a allowance and promise to "fix" your report but legitimate items will not not be taken past its sell-by date of your report. Third parties rely on your credit report to build informed decisions on whether or not they want to lend to youanyone including yourself who tries to knead your report by providing false information when disputing legitimate trades may not just be committing fraud but could be sued by the third parties who are relying on your report to bring in credit decisions.
I restored my credit report for free at "Restore My CreditReport". Check it out:
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No obligation at all.
You can't remove denial things off your credit report that are legal. Legally it can stay on your credit report for 7 years.
The good word is that if you file bk, consequently after about a year or so the distrustful accounts on your report seem to disappear. i don't know if this is because the credit bureaus delete them if they be included in the bk or if because the creditor removes it. My husband and I file bk a few years back and in the first year all his refusal accounts were gone.
time is the just thing that properly gets cynical things off of your credit report.
FixMyCreditScoreNow.com can minister to you be approved for credit by fixing your credit report. There credit repair experts fight to revolutionize your credit score, today!
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I hold something like $12,000 contained by debt.?
Question:
including $4600 in federal student loans. Where can I gain like a system grant to make smaller these debts? or where can I dance so i can get some debt consolidation?
Answer:
The administration is NOT in the business of giving away free money for the sake of giving away money. There are no grant for paying bills, no grants for paying rotten credit cards, no grants for getting out of debt and no grant for simply fattening your wallet.
Grants are free, but it means OBLIGATION. You will be obligated to do as the give in sets out to do. Grants have objectives, and your purpose must fit the aspiration of the grant.
For one, you hold to write the grant application and the give up application is not a simple document - you have to explain how your purpose for applying for the compromise fits well near the objectives set out by the grant.
There is a stringent review process through a committee. You will compete beside other applicants for the grant money, and this allow review committee will evaluate the merits of each proposal. Only those that they discern exemplifies the objective of the allow will be approved.
You can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grant.gov - these are two sites created by the federal government to provide transparency and information on grant. Browse through the listings and see if you can find any grant that would support your purposes.
Even if you buy books on "how to acquire grants" or list that supposedly have information on grants -- adjectives of them are mere rehash of what CFDA has, albeit package differently.
Note though that these grants unanimously support non-profit organizations, intermediary lend institutions, and state and local governments. Most of the federal grant are given to specific target groups with specific requirements (e.g. minority business owners involved within transportation related contracts emanating from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program. Individuals especially for personal purposes are not eligible for federal grant.
Grants are also often given to non profit groups or organization involved in training or other similar events (grant 59.043 Women's Business Ownership Assistance that are given to those who will create women's business center that will train women entrepreneurs
is all of this debt university loans or credit card loans? if they are all institution loans all you hold to do it call the loan company and consolidate them.
I really recommend Crown Financial Ministries - they specialize within showing people how they can procure out of debt. They run a great seminar series. Be really careful around the schemes and scam that are out there because here are alot of them. You really need to come together with a genuine financial planner to help you variety a decision similar to this. I wouldn't trust any website for debt consolidation you might hear about on TV or the internet.
If you are interested surrounded by earning extra currency every month, go to my profile, and check out my blog. There are great ways to earn money online!
Try Consumer Credit Counseling, it is a great opening to save your credit rating and consolidate loans and almost adjectives creditors will work with them. Good luck!
Most debt places out here clutch longer for you to pay stale than the original debt so be cautious.
If credit card debtor lots of interest.do not do debt consolidation it can actually hurt your credit...ya I know to me debt consolidation sounds great too! but freshly take the best interest rate card and pay as much as you can on it lots more than the min. and pay packet the min on all the others. Since you hold paid the upmost interest first you will save money...
15% intmin retribution $50 you should pay $75 or more! 100 is best
Trust me I am surrounded by the same boat newly about double your debt! (car included). and after I look posterior to the year it actually does move about down. and sooner or later you will be debt free. Just do not charge any more on your cards unless it is an emergency.
Also one entity I have widely read is that do not pay the min transmittal...just a short time more all the credit card company know is that you paid above and beyond. By paying more I tight-fisted a dollar or so. does not have to be alot.
If the creditors are calling later do the debt consolidation. it is better than being skint
Hope this helps.
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You should opt for debt consolidation. When you gets into a debt trap it become difficult to get out of it. Taking more loans to repay the debts lead to more stress and financial crisis. Finally, there is no choice but to adopt debt consolidation, which leads to a fresh llease of life. Many those receive abusive call from debt collectors and are stressed. Hence opting for debt consolidation is the number one solution and help to overcome abusive call and be free from mental stress.
Try the below website, it was not long featured (favorably) on the report
What interest rate can i gain on a ira?
Question:
Answer:
An IRA is NOT an investment, therefore you do not gain an interest rate or any type of return on it.
Instead, an IRA is just a special type of depiction setup for tax benefits. Within that commentary, you can purchase investments that then earn interest rates.
The two most adjectives places to setup an IRA are:
1. A Bank (Bank of America for example)
2. A Broker (Scottrade for example)
If you want a bank details, you can earn between 5.00-5.50% a year right now. If you want a broker sketch, you can earn (or loose) any amount because there is risk associated near buying stocks and/or bonds.
If you open an IRA next to a bank, they should bring up to date you what the interest rate is. If you open an IRA near a brokerage - Fidelity, Scottrade, and about a zillion others, you'll be investing contained by stocks or mutual funds that you choose and your rate of return would depend on how well that one stock or mutual fund does.
Can my friend verbs his credit put a ceiling on to my credit check?
Question:
My friend charged something on my Visa card and said he can put that amount right back surrounded by with his Visa card. Is he really competent to do that?
Answer:
no, he would have to earnings your visa bill with his credit card.
He can't purely out & out transfer the debt, however he can write you a check from his VISA portrayal. This would pay yours stale and put it on his.
No. He has to confer you the money which you use to pay the bill when it arrives.
He can do that, but what he have to do is take a Cash Advance from his card and wage you. You could then use that money to settle up your bill.
Sounds like he be trying to pull something. In the adjectives just enjoy him pay it on his contained by the first place.
WHY WOULD YOU DO THAT! DON'T DO IT. Just tell that being to give you thecash, you deposit the money into your portrayal. Period. I hope it doesn't end up surrounded by court. This is why you don't let money and friends mix. It creates a mess. Don't tolerate your friends hustle you like that again. Let them be broke, because friends similar to that constantly do trifling things like that. At least possible don't let them settle you into things you don't already understand.
I involve dosh and i enjoy to apply for loans contained by the philippines using post dated checks?
Question:
Answer:
Yup. We loan money and that is how we do it. Client must hold post dated checks as well as domain title for collateral.
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your examine isn't clear u have to apply for loans beside post dated checks?? u don't use checks to apply for loans. they factor the cost into the balance of the loan.
simply u need brass is what i think u r axiom. well if your credit is poor, and your income doesn't support it... most bank won't look at u.
it can help depending on what you're doing next to the money. buying something, or paying something off.
if u buying something else especially something that will depreciate and/or be a liability. of late cash down the tubes it would be terrifically difficult for u to get the loan!
if u buying something similar to a house, or something that can demonstrate income it is much easier.
if u paying off debt. u any need to consider refinancing if u own your home, or getting a strong money loan.. but that has to be rewarded off like a shot (like u expect a lot of money coming surrounded by soon, new promotion, inheritance, public sale of house, booom in your business etc.) cuz rugged money loans 'cost' much more money to have than conventional loans.
Credit Card For 16 Year Old?
Question:
Hello. I'm 16 years old and I be wondering if I would be able to get your hands on a credit anywhere. If you know any company I can get a credit card from, please bring up to date me.
Preferably: no extra fees.
And I have a query: If I was to build up credit on for example "Visa"...And Later on I go and get a master card, would my credit from Visa be transfered to the master card?
Thanks.
Answer:
You may be able to take a joint checking story with a parent/guardian. If so, you can probably return with a debit check card. These work like credit cards, but these don't report to credit agencies, even if they enjoy a Visa/MasterCard logo. I know for a fact that you can set up an tale with PayPal if it's united, but you may have to be 18 surrounded by order to certainly set it up.
question cog 1.
None you are too young to enter into a contract and as such no credit card company is going to issue you credit.
cross-examine part 2
No when you amendment to mastercard they will evaluate your credit based on your history and determine the amount of credit that they will issue you base on your risk level.
BTW pre-paid credit cards do nought for your credit.
umm dont get a credit card. if u procure in debt at this age ur scre wed 4 vivacity! just dawdle you have 2 more years. and i come up with u hav to be 18 anyway because thats how old you own to be to hav ur own bank reason without ur parents.
First of adjectives you have to be of permitted age to sign a contract to get a credit card. In every State I know of that age is 18.
As to your other interview, the answer is no.
http://www.AAA.com
Check with your local pharmacy approaching CVS, Walgreens, Rite Aid, etc. They have the prepaid creidt card within which you may add money to and delight in.
Take care.
Good Luck!
A 16 year older cannot legally sign a contract so to grasp a credit card, a parent would have to co-sign.
NOT at 16. You're not an fully developed so you won't get one. BUT you might know how to use your parents cards as an authorized user. The card is under their identify but you can get a card surrounded by your name lower than their account. This may not abet your credit as the account is underneath their name. You acquire a card with your nickname on it, but it is their card so it reflects on their credit not yours.
you own to be 18 to get a credit card. it would be up to you to tranfer credit from one card to another, When you are older enough and do enjoy a credit card dont fall into the trap of have several cards they all enjoy to be paid final and the intrest is high. surrounded by fact try to survive minus one if you can,
At 16 you can legally sign a contract, the problem is that you can properly void the contract. Thats why credit card companies won't afford you a credit card. For examply you run up a $1000 debt, and then you can read aloud forget it, I don't want to pay. You negated your contract, and the credit card company can't hold you responsible because at 16 you, by definition, didn't understand the legitimate consequences of the contract.
But if you have an fully developed co-sign the contract with you the credit card company will provide you a credit card. This means that if you invalid your part of the contract, the credit card company can immediately go after the co-signing fully developed.
Yes, you can get a credit card, newly not one of the traditional card. What you will be able to return with is a prepaid credit card, It basically works as a credit card one and only thing you own to load the money on the card yourself. I believe here is an activation fee for such a card and respectively time you load money on you will be charge a small payment. You don't build credit history with a card similar to this, but at least you can use it for restaurants and buying things over the internet. I believe Mastercard provides this service.
Payday Advances near smaller amount hassle??
Question:
Does anybody know a place/company that gives payday advance, and does not require you to have a checkbook or personal checks? I live contained by Houston, TX. Thanks, serious answers only
Answer:
Payday loans are one of the sleaziest business planning ever conceived of. They're lending you money YOU DON'T HAVE. If you did own it, you wouldn't need their "service". A friend of mine get caught in the Money Tree trap-it's an interminable cycle of borrowing money and paying their outrageous fees. He was never competent to stay ahead of them and ended up defaulting on the loan, which be sent to collections. You are never actually competent to pay it bad unless you somehow acquire money that hasn't been lent to you contained by order to income off the ingenious loan, because you never had that money to set off with! I cannot fathom how these types of predatory businesses can not lone operate, but thrive by preying on people's desperation.
You have to G00GLE and ask for no checking payday loan.
don't do payday mortgage please,. please, i owe alot of moeny because I used it, they costed me $60 to have $200 advanced, that's discouraging man, bad
You will giggle at the name of this site but it works. I know you asked for places but try this:
http://www.ineedbeermoney.com
Another angelic one that doesn't require you to have a checking description is Money Tree.
How to I start a Credit? Especially if i am exotic within the US and I own Credit cards from Mexico, does this abet?
Question:
Hi, i have more than 3 years credit within Mexico, several credit cards, good account and credit line.
However, i freshly got my SSN and want to start creating a credit dictation in the US (live within San Diego), i want to know if the credit cards from my country will not help me at adjectives and after how much time can I get a fitting credit score? or how does this work over here?
Thank you :)
Answer:
Like Wolverine and some of the other posters said, mortal that your credit history revolves around your social security or levy identification number. But adjectives is not lost however, the easiest way to get hold of a Visa or Mastercard, by getting a secured credit card. Wells Fargo and Bank of America (both are in your area) grant them. The main drawback is that you enjoy to put a deposit upfront to secure like peas in a pod amount in a strip of credit. But this can work to you advantage because you can control the credit splash as opposed to letting the credit card company run your credit and determine your credit column. My advice if within fact you do capture one, is to make small purchases that can be remunerated off within full on time every month. Usually after a year of immaculate payment history, the card will become unsecured and you'll return with the deposit back next to some interest. Also to boost your line you can also supply to the security deposit so that once it does become unsecured, you'll be eligible for a better card that have the same or a sophisticated credit line. Then once you own an unsecured card, you may start to receive more offers more more credit.
not really.
The Credit Bureaus surrounded by the U.S. follow people's credit history based on SSN, so they will not own records of your credit surrounded by Mexico.
You will basically hold to start over... but its not hard. Open small accounts at stores resembling Sears, J.C. Penny, Etc. It is easy to win credit cards there. Once you establish a grant history with them later you will be able to go and get a VISA or MasterCard easier.
i agree with 'wolverine'. start near the small dept store cards. make sure not to max them out! buy something small and pretty much foot it all stale in 30 days or almost adjectives of it.
aka sears card, buy something for $50-200 and repay off completely or almost 95%, after next month do like thing again.
don't try too in a hurry to get bigger credit cards, cuz respectively time they check your credit, it knocks your ranking by 2 points.
If you had a card through a multi-national close to Visa, Master Card, American Express then I conjure up they could easily see your credit history and would be more than satisfied to issue you a card here. It's a Catch-22 here because it's very difficult to obtain a proper credit card without history. But near are some thing you can do. Get utility bills (water, electric, gas, etc.) contained by your name and PAY THEM ON TIME. You will vigorously develop a good credit chalk up this way. Also look into prepaid cards where on earth they work more like a debit card. Not sure but I have an idea that this helps you build credit too. Open up a uncomplicated checking account and your dune might give you a card to be precise both your ATM card and a debit card that is standard anywhere credit cards are accepted.
I could be wrong and it might be super uncomplicated to transfer credit from Mexico to USA. Good luck. In time check out this site for virtuous credit card offers: http://www.bankaholic.com/
Yes at hand are other options.
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Just e-mail me at solidoffer11@yahoo.com with subjet- Credit Cards . I will transport a link of best website where on earth you can find best Credit Card offers,tips and resources.
Best wishes
Maybe you can try below website to gain the information. It's about credit rack up and how you can improve it articles for your second inference
Visa contribution card that can reload?
Question:
Answer:
Why not just bring back a secured credit card? They help you build credit and can hold lower credit limits if you don't trust yourself next to a credit card.
They are great. I got one for Christmas concluding year.
Yes it is perfect. To hold for emergencies or when you don't trust using your ridge card or credit card for purchases.
Take care.
http://www.aaa.com
walmart, target, rite aid, cvs, walgreens adjectives carry these cards.
Good Luck!
nick care and relish your week.
Is here a track to acquire your money from someone who borrowed your credit card?
Question:
I let my friend use my credit card to charge something, he said he be going to pay it right put a bet on in a couple of days, or he could put the control right back on my Visa next to his Visa. But since I let him use it, I haven't nonetheless heard from him. Is near a way to hold action for this? I really inevitability my money back, I trusted this personality, but now it shows I probably shouldn't enjoy.
Answer:
Well.this is an expensive lesson. About the only recourse you hold is to sue the person within small claims court for the money.
live and learn
Rob him
obtain them to sign an agreement or take them to court, at hand aren't that many option for someone who won't pay
You should ring up your friend and tell him/her that you involve your money back.
Otherwise in attendance is nothing much you can do. Sorry!
I agree, an expensive lesson. Don't ever consent to someone else use your credit card. I'd be knocking on his door!!
Don't distribute your stuff out like that. Ignorance is bliss.
You can bring an behaviour in small claims court. Good luck proving it. If he's this sleazy, he'll undoubtedly be of a mind to lie to the deem too.
I sure hope you have revise your lesson from this! Cause you will be paying it your self. See if you can take him to court. But its going to cost.
I hope you get your card back! Otherwise, he could still be racking up charges! I would check near your bank for diversion, and if he's still charging, have them put a stop on your card. So far as getting your money wager on, you may have to hold him to small claims.
Been there...done that, I recognize how hurt you must feel anyone betrayed by a friend. When it happened to me, I initiated court proceedings, but after realised I would probably never see the money again anyway as he didn't have a work, so I stopped the proceedings, paid the $3,500.00 myself and chalked it up to experience. An expensive lesson learn.