Let us discuss identity theft issue
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Quote:
Originally posted by Big Vee
Quote:
Originally posted by web2000
The meaning of an agreement in these countries is totally useless. Based on my knowledge, here is the definition of an agreement:-
An agreement is nothing more than a piece of paper if not signed. It becomes a legal document when both parties involved must sign and exchange their copies.
There is no such agreement signed when we apply for a loan,credit card etc. In simple terms the bank is giving out the money without any signature of the debitor. How such a big mistake is being made?
Obviously your knowledge is limited. I am not sure what country you are in - but once you face a lawsuit, you'll realize the true meaning of an agreement.
An agreement can be written, can be verbal, can be by action, or finally by default. For example, software these days comes in CDs wrapped in an envelope. On the envelope and sticker that says - open this only if you agree to our terms and conditions (agreement by action). the bank sends you a credit card - right out of the blue - but it will say, if you use this card, you agree to the terms and conditions by default. You are employed and you go to work, you are bound by an agreement that is by default. The agreement is called the employment standards act (the law) and both you and your employer are agreeing to it without siging anything.
Of course we, the readers of this phorum, are always willing to listen to innovative experiments. Why don't you test your theory and see if you can take money from a bank - without an agreement.
BV
Can you tell me how can I deny not to accept any credit card which I have not applied for?
Is there a way that I can refuse to accept an agreement whether it is verbal(I don't know how u will refuse the verbal one),electronic form etc..
If not, that means bank can issue a loan, credit card to anyone without your permission because as you said, you don't have choice not to accept an agreement.
By the way I never came across any kind of job where employer and employee do not sign any agreement.
I don't know how you will read any agreement without opening an envelope.
Can you tell me how can I deny not to accept any credit card which I have not applied for?
Just say 'NO'. very simple, if you receive call. Shred the offer thereafter, if you recieved it by mail.
Quote:Can you tell me how can I deny not to accept any credit card which I have not applied for?
Originally posted by Ranin
Just say 'NO'. very simple, if you receive call. Shred the offer thereafter, if you recieved it by mail.
I can say NO if I receive the credit card offer. But why the person who wants to misuse my information will say NO? His interest is to misuse my information. Identity theft means that you are not aware of that your information is being used by someone else.
In the whole thread, I talked about finding out a solution, the point your information is stolen. I don't understand why u guys are saying shred this, shred that..
Posts: 456
Location: Canada-Glorious and Free
Posted on: 08-08-07 12:05:14
Location: Canada-Glorious and Free
Posted on: 08-08-07 12:05:14
Quote:
Originally posted by web2000
I can say NO if I receive the credit card offer. But why the person who wants to misuse my information will say NO? His interest is to misuse my information. Identity theft means that you are not aware of that your information is being used by someone else.
First, let me say that I have yet to receive a credit card that I haven't asked for. The bank sends an offer, which I have to accept either by calling them or signing a paper. Then they send a card with a document commonly referred to as the contract. The card requires authentication before it can be used. To do that, you either have to use the phone that is in your contract (caller ID technology) or identify yourself with information that is known only to you. I wonder how many people receive cards right out of the blue??
Quote:
Originally posted by web2000
In the whole thread, I talked about finding out a solution, the point your information is stolen. I don't understand why u guys are saying shred this, shred that..
Second, the way to AVOID identity theft is to protect your personal information. And the best way to do that is to use a shredder. That advise is based on this original post by you....
Quote:
Originally posted by web2000
Let us discuss identity theft issue
I see so many people complaining about identity theft. I want you guys to give input how it can be prevented? This will be helpful for others who do not know about it. From my opinion it can be totally prevented.
Now if you want to discuss what to do AFTER your identity has been stolen - well just say so!
BV
Quote:
Originally posted by Big Vee
Quote:
Originally posted by web2000
I can say NO if I receive the credit card offer. But why the person who wants to misuse my information will say NO? His interest is to misuse my information. Identity theft means that you are not aware of that your information is being used by someone else.
First, let me say that I have yet to receive a credit card that I haven't asked for. The bank sends an offer, which I have to accept either by calling them or signing a paper. Then they send a card with a document commonly referred to as the contract. The card requires authentication before it can be used. To do that, you either have to use the phone that is in your contract (caller ID technology) or identify yourself with information that is known only to you. I wonder how many people receive cards right out of the blue??
Quote:
Originally posted by web2000
In the whole thread, I talked about finding out a solution, the point your information is stolen. I don't understand why u guys are saying shred this, shred that..
Second, the way to AVOID identity theft is to protect your personal information. And the best way to do that is to use a shredder. That advise is based on this original post by you....
Quote:
Originally posted by web2000
Let us discuss identity theft issue
I see so many people complaining about identity theft. I want you guys to give input how it can be prevented? This will be helpful for others who do not know about it. From my opinion it can be totally prevented.
Now if you want to discuss what to do AFTER your identity has been stolen - well just say so!
BV
Well, after going through the posts I realized that either the people don't understand what I am talking about or they just ignore it. So the discussion was not healthy. No one put a pressure on his brain to figure out what is wrong with the system. We are just following the system. Not a single person said anything against the system.
Here is the clarification what u said.
1) There is no need to sign anything to accept a credit card. You can file application online. If ur application is approved, u will receive a credit card in mail which needs to be activated.. If someone has my information, then he can apply using my information.No signature involved. The very basic information required to activate it e.g. DOB,Name etc. Atleast I could not figure out a single piece of information which only I know to activate it.
2) There is no such information which is known only to me. Please read my intitial posts. Everybody's information is easily available. Can u tell me what kind of information u have which only u know, no one else. Tell me only one kind. So please stop saying "Protect your personal information"
So, this thread is ending up giving no valuable information/solution. Probably soon, I will compile my solution to this problem and put on another forum.
Quote:You are correct that each of these pieces of information is out there for grabs, in one form or another.
Originally posted by web2000
1) There is no need to sign anything to accept a credit card. You can file application online. If ur application is approved, u will receive a credit card in mail which needs to be activated.. If someone has my information, then he can apply using my information.No signature involved. The very basic information required to activate it e.g. DOB,Name etc. Atleast I could not figure out a single piece of information which only I know to activate it.
Some of it is with the employers, some of it with the CRA, some of it with the MTO, etc.
No one is disputing that.
What everyone is trying to say is that you have to make an effort to prevent all of this information easy to get for an identity thief.
Assuming the hypothetical identity thief is not someone in your employer's HR dept. or a CRA official, the usual identity thief has to have a means of getting and consolidating all of this information.
The whole idea is to not make it easy for someone to get all of this information by being careful yourself.
We live in a society and economy where information drives everything and Big Brother knows everything.
The only way not to expose yourself to the problems is to live outside the system i.e. outside of the normal Govt. and banking and credit system.
In other words, don't be employed in a public or private enterprise, don't use banking services, don't shop at stores, don't have income and don't file taxes.
Grow your own food, weave your own clothes and build your own log cabin in the Amazon rainforest.
I am serious and not being sarcastic - I see no other way of avoiding the modern system.
Quote:Correct - there is none.
2) There is no such information which is known only to me. Please read my intitial posts. Everybody's information is easily available. Can u tell me what kind of information u have which only u know, no one else. Tell me only one kind. So please stop saying "Protect your personal information"
What's your point?
Quote:Since the members of this forum are so ignorant, why don't you do everyone a favour and post your "solution" here?
So, this thread is ending up giving no valuable information/solution. Probably soon, I will compile my solution to this problem and put on another forum.
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"Mah deah, there is much more money to be made in the destruction of civilization than in building it up."
-- Rhett Butler in "Gone with the Wind"
But I really want to know the solution when I want to live inside this society, use the banks, use my credit card, apply for mortgage and file my taxes.
And BTW, shredders are no great help these days. There was a story on NBC recently, where the identity thief put together all the shredded paper with the tape, and were able to apply for credit card, apply for mortgage. He was a criminal, so the victim also got an arrest warrant on his name.
Guys, instead of sticking to the old, outdated solutions, try to hear out someone who actually wants to convey something. web2000, please mention your solution here for everyone's benefit.
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