HSN/QVC collections

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SaGarcia

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Maryland
Here's the scenario I would really like some advice on…preferably someone who works at one of these places or is very familiar with debt and collections.

My roommate is a habitual cheapskate. Always returning items for price adjustments, etc. Recently I have noticed packages from QVC and HSN coming to our residence with a different name and she says they are hers. I also noticed the other day she bought quite a few prepaid visa cards. After visiting the sites I figured it out and here's what happens...

Creates a fake email, fake name, gets a prepaid visa. Buys items on QVC/HSN under flexpay with the fake name and pays the first installment with the prepaid card. The items are shipped to the house. then when they try to charge the other installments, declined.

What happens with this? Can they track her down off a fake email, fake name, and prepaid card? I dont think these places collect SSN so how can they collect?the fact more people dont do this speaks to me saying "they must have a way to prevent this"..ie, legal action. and surely she can't be the first person to think this scheme up.....right? obviously the order is linked to our real address...but what are the legal repercussions of this as far as collections, fraud, police? Is she really smart in finding a loophole or really dumb for this? (rhetorical)

I want to be prepared with proving I'm not involved since this is my legal address as well. How far do these companies go for less than $500? tracking IP addresses on laptop? will the police show up on my door one day asking questions? Someone please help give me some clear answers, I do not want to keep being up at night scared of getting a knock on the door or scared of getting served lawsuit or collection papers one day. please help.
 
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SaGarcia said:
Here's the scenario I would really like some advice on…preferably someone who works at one of these places or is very familiar with debt and collections.

My roommate is a habitual cheapskate. Always returning items for price adjustments, etc. Recently I have noticed packages from QVC and HSN coming to our residence with a different name and she says they are hers. I also noticed the other day she bought quite a few prepaid visa cards. After visiting the sites I figured it out and here's what happens...

Creates a fake email, fake name, gets a prepaid visa. Buys items on QVC/HSN under flexpay with the fake name and pays the first installment with the prepaid card. The items are shipped to the house. then when they try to charge the other installments, declined.

What happens with this? Can they track her down off a fake email, fake name, and prepaid card? I dont think these places collect SSN so how can they collect?the fact more people dont do this speaks to me saying "they must have a way to prevent this"..ie, legal action. obviously the order is linked to our real address...but what are the legal repercussions of this as far as collections, fraud, police? Is she really smart in finding a loophole or really dumb for this? (rhetorical)

I want to be prepared with proving I'm not involved since this is my legal address as well. How far do these companies go for less than $500? tracking IP addresses on laptop? will the police show up on my door one day asking questions? Someone please help give me some clear answers, I do not want to keep being up at night scared of getting a knock on the door or scared of getting served lawsuit or collection papers one day. please help.
Click to expand...


You have done nothing illegal, yet.

You have the right to remain silent.

If the police arrive and wish to question you, you can decline to speak with them, or say, "I don't know anything about this."

However, you appear to be living with a thief.

This is another reason to not become involved in roommate situations.

You didn't buy prepaid cards.

You didn't create phony email accounts.

You didn't call HSN or QVC.

You didn't buy a piece of junk, pay $19.99 and agree to pay two more $19.99 payments.

I suggest you advise your roomie that when the "feces hits the fan", you're going to protect yourself.

However, that might cause her to blame you.

Again, you won't be on the security tapes at Walmart, Walgreens, CVS, or someplace else purchasing prepaid Visa cards.

If things are as you claim, your feathers might get ruffled, but you won't get plucked.

Its time to get as far away, as fast as you can from that thief.
===============================
===============================

HSN & QVC only accept MAJOR CREDIT cards for these short term payment options, as in you pay $20.00 for three months to get the junk today.

I suggest you DON'T attempt what you think is clever!!!!

It won't work, if QVC & HSN do as their websites say.


Flex Pay only accepts major credit cards, NOT prepaid cards:
Additional Details:

At the time of purchase, we will bill your credit/debit card or PayPal account for the first installment plus tax and shipping and handling fees. The remaining installments are then automatically billed to your credit/debit card or PayPal account every 30 days beginning 30 days after the original order date.

HSN does not assess interest charges or fees on FlexPay. However, use of a credit card for FlexPay options may result in interest charges in accordance with the normal terms and conditions of your individual credit card agreements. FlexPay is a payment option offered by HSN. FlexPay is available on all credit card pay types as well as PayPal accounts.

FlexPay orders may be subject to credit verification by HSN and we may review the credit report. You may contact our HSN Credit Department to see if a credit report was requested and the name and address of the credit reporting agency that conducted the report (if applicable). FlexPay Eligibility Specialists can be reached at 1-800-404-8533.

HSN
...
...
What is Easy Pay?

With Easy Pay, you can receive an item now and pay monthly installments at no extra charge with your QCard® or major credit card. The product price, Shipping & Handling, and any applicable sales tax will be divided according to the specified number of payments. During checkout, just choose the Easy Pay option, when available. The first Easy Pay installment will be billed on the date the item ships. Then, approximately every 30 to 31 days, each remaining installment will be billed to the credit card used on the order. Easy Pay billing dates are set according to the ship date of the order; billing dates for future installments can't be customized or changed. Easy Pay offers are subject to approval by QVC based on a number of factors, including item type, price, and payment history. Please note: certain payment methods, including prepaid cards, may not be available for items purchased with Easy Pay.

Easy Pay FAQs — Customer Service — QVC.com
 
The company CAN do many things. It MIGHT do some things. It MIGHT do nothing. Your question, in the abstract, is impossible to answer, even by somebody

SaGarcia said:
who works at one of these places or is very familiar with debt and collections.
Click to expand...

Worst case scenario she goes to jail for fraud. Best case - nothing happens.

But if the police come to your door either invoke your right to an attorney and keep your mouth shut or ask for immunity in exchange for throwing the little thief under the bus.
 
army judge said:
If the police arrive and wish to question you, you can decline to speak with them, or say, "I don't know anything about this."
Click to expand...

You've watched Professor Duane's video. He makes it pretty clear in the video that saying something like "I don't know anything about this" is absolutely the wrong thing to say.

Best to just invoke the right to an attorney and the right to remain silent.

 
adjusterjack said:
You've watched Professor Duane's video. He makes it pretty clear in the video that saying something like "I don't know anything about this" is absolutely the wrong thing to say.

Best to just invoke the right to an attorney and the right to remain silent.

Click to expand...


True, but if the OP is innocent as she declares, she need fear nothing.
 
Thank you so much for this. It is correct that no matter what extent it goes to, it won't be my card purchasing visas, wont be my IP, etc.
I also have an account at HSN, in good standing, and have never had an issue with HSN or QVC. let's hope she doesn't get our address "blocked" or something!

army judge said:
You have done nothing illegal.

You have the right to remain silent.

If the police arrive and wish to question you, you can decline to speak with them, or say, "I don't know anything about this."

However, you appear to be living with a thief.

This is another reason to not become involved in roommate situations.

You didn't buy prepaid cards.

You didn't create phony email accounts.

You didn't call HSN or QVC.

You didn't buy a piece of junk, pay $19.99 and agree to pay two more $19.99 payments.

I suggest you advise your roomie that when the "feces hits the fan", you're going to protect yourself.

However, that might cause her to blame you.

Again, you won't be on the security tapes at Walmart, Walgreens, CVS, or someplace else purchasing prepaid Visa cards.

If things are as you claim, your feathers might get ruffled, but you won't get plucked.

Its time to get as far away, as fast as you can from that thief.
Click to expand...
 
I guess my biggest concern is the shared address and we are females living in the same residence...we share pretty much everything.
if it goes to that extent -I fear it is much easier to connect me as a co-conspirator than to prove no involvement
 
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you say CAN do many things...are you aware of what can be done if they decide to pursue?
I would think just submit it to collections? and then i may just get annoying letters to the residence.
But then again...this is technically theft, correct?

adjusterjack said:
The company CAN do many things. It MIGHT do some things. It MIGHT do nothing. Your question, in the abstract, is impossible to answer, even by somebody



Worst case scenario she goes to jail for fraud. Best case - nothing happens.

But if the police come to your door either invoke your right to an attorney and keep your mouth shut or ask for immunity in exchange for throwing the little thief under the bus.
Click to expand...
 
Hmm. so maybe she is paying for them?
then whats the reason for the fake name?

Paypal forces you to link a bank account i believe so she wouldn't be able to have a fake Paypal with fake visas.

Stumped. But THANK YOU for finding the terms and conditions because I did not look at those when I was looking into it

army judge said:
Flex Pay only accepts major credit cards, NOT prepaid cards:
Additional Details:

At the time of purchase, we will bill your credit/debit card or PayPal account for the first installment plus tax and shipping and handling fees. The remaining installments are then automatically billed to your credit/debit card or PayPal account every 30 days beginning 30 days after the original order date.

HSN does not assess interest charges or fees on FlexPay. However, use of a credit card for FlexPay options may result in interest charges in accordance with the normal terms and conditions of your individual credit card agreements. FlexPay is a payment option offered by HSN. FlexPay is available on all credit card pay types as well as PayPal accounts.

FlexPay orders may be subject to credit verification by HSN and we may review the credit report. You may contact our HSN Credit Department to see if a credit report was requested and the name and address of the credit reporting agency that conducted the report (if applicable). FlexPay Eligibility Specialists can be reached at 1-800-404-8533.

HSN
...
...
What is Easy Pay?

With Easy Pay, you can receive an item now and pay monthly installments at no extra charge with your QCard® or major credit card. The product price, Shipping & Handling, and any applicable sales tax will be divided according to the specified number of payments. During checkout, just choose the Easy Pay option, when available. The first Easy Pay installment will be billed on the date the item ships. Then, approximately every 30 to 31 days, each remaining installment will be billed to the credit card used on the order. Easy Pay billing dates are set according to the ship date of the order; billing dates for future installments can't be customized or changed. Easy Pay offers are subject to approval by QVC based on a number of factors, including item type, price, and payment history. Please note: certain payment methods, including prepaid cards, may not be available for items purchased with Easy Pay.

Easy Pay FAQs — Customer Service — QVC.com
Click to expand...
 
adjusterjack said:
Have you read his book "You Have the Right to Remain Innocent"? It's a real eye-opener.

Available on Amazon as a Kindle book for a few bucks.

:)
Click to expand...

My eyes have been wide open for decades, my friend. LOL

By the way, I revised my original post after a second thought flashed through my aged brain. LOL
:D
 
SaGarcia said:
Hmm. so maybe she is paying for them?
then whats the reason for the fake name?

Paypal forces you to link a bank account i believe so she wouldn't be able to have a fake Paypal with fake visas.

Stumped. But THANK YOU for finding the terms and conditions because I did not look at those when I was looking into it
Click to expand...


I suggest you abandon you NOT CLEVER enough master plan.

QVC and HSN don't take prepaid cards, mate.
 
As I stated, this is me watching and making assumptions. I didn't exactly ask her what her process was, or even if the two were related. since it happened all in the same week, I just thought that's what was happening!

Again, I always pay with my credit card so, I have never looked at the terms to know what they accept or how it works..i know my Visa is accepted and that's all I care about regarding payments.

If you refer to my original post, I'm not interested in their payments but i am interested in the legal ramifications of me sharing the address used for fraudulent activity.

But THANK you again, for your gratuitous accusations.
 
No one's going to mobilize the FBI over $500. Mind your own business and don't worry about your roommate (and then, when your lease is up, move in with someone whom you don't suspect of being a criminal).
 
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