We Think Lisa's Identity Just Got Stolen and Someone Bought a Car

[shilala]

Originally Posted by loki

does it say where the car was bought

We don't know if it was a car, that's a guess. It could be a boat of anything, really. The papers say nothing and PNC wouldn't tell Lisa anything on the phone.
We'll go to the local branch tomorrow, I'm sure they'll give us that info.

[Boz]

Originally Posted by shilala

We live in Ohio, PNC is Pittsburgh PA based bank.
Lisa had been working in Washington, PA for a long time which is very close to Pittsburgh. She could have had her driver's license info stolen from any of the copies that hotel personnel took along the way.
I'll check and see if there are any branches here in OH, but I've never seen one.

Edit:
I checked. There's a bunch right around here. One is 4 miles down the road. Thanks, Brian, that was a big help!!!

Originally Posted by shilala

We don't know if it was a car, that's a guess. It could be a boat of anything, really. The papers say nothing and PNC wouldn't tell Lisa anything on the phone.
We'll go to the local branch tomorrow, I'm sure they'll give us that info.

Hopefully you can get somewhere with them. At least she's handling it well. My wife would have already cancelled our cards and called the bank and frozen our accounts.

[shilala]

Originally Posted by Boz

Hopefully you can get somewhere with them. At least she's handling it well. My wife would have already cancelled our cards and called the bank and frozen our accounts.

Lisa knows every single ounce of information about every bit of what goes on here. If there was a credit card movement or bank movement, she'd have known before it happened.
The only reason this could ever happen was because it was outside the long arm of the Lisa.

She just finished up at the Police Station and got her report. They made a good suggestion which was to take her passport with her when she goes to the bank tomorrow. They suggested that a passport can't be faked. I watch tv, and they do it all the time.

And on the loan, Yes, it was a car loan. Lisa just told me that on the phone. When she was on the horn with the phone dummie he mentioned it was an auto loan. I misunderstood her. He just wouldn't give her any specific info on where and what kind of car was bought. I'm sure security cams and driver's license copies will bear out the fact it wasn't her.

I just told her how proud I was of her in how she's handling this and what an amazing woman she is. She said we've both been having a wonderful day, and this isn't going to screw it up. There's absolutely no reason to get upset about something we can do nothing about, and we've done all we can do till tomorrow.
That's just one of the million reasons why I love this woman so. We see eye to eye on nearly everything, and what we don't, we love that, too.

[Silound]

72 payments at 347.40 is $25012.80, which is roughly a car valued at $18,200 with no trade in, no down payment, ~9% interest loan, and the 6% PA sales tax factored in.

My experience is that banks typically don't like to loan money for 6 years, it's a long duration and a lot can change in 6 years. And if you total the car in a couple years, the bank has nothing to repo which means they have to waste time and money coming after the person's other assets....an all around loss for the bank. This is one of the reasons typical car loans are 1-3 years, with the unusual long loans being up to 5.

Hence, banks typically won't loan that kind of money out without some serious tangible collateral backing it. I would make damned sure your house or other personal vehicles and assets haven't been used as a guarantee for the loan. Where I live, a state title search (which is a royal PITA to obtain sometimes) will show if an asset has been used as backing for a loan of any type. I would see if Ohio has anything similar.

Good luck man, hope you come out of this one better than you went into it.




Cornrow: I'm pretty sure they would just put you away for Attempted Murder First

[shilala]

Originally Posted by Silound

72 payments at 347.40 is $25012.80, which is roughly a car valued at $18,200 with no trade in, no down payment, ~9% interest loan, and the 6% PA sales tax factored in.

It's funny you mentioned all this. Lisa crunched the numbers herself while she was at the cop shop. With her excellent credit, the interest would be much lower and a 72 month loan is cake to get around here (and in PA, as well).
We figure our benefactor is driving around in a brand new car valued at right around $20,000 or a little better. That's not a bad day's work.