I was the victim of a massive fraud on my credit card in February. The bank so far refuses to credit me back (quishing and gross negligence) and we are fighting that decision with a lawyer who thinks we have a fair chance, and will go to the ombudsman next if necessary. The details are not important. The insurance has yet to respond. In the meantime, my bill is due next week. Thousands of francs worth of fraud as they maxed it out. The police and the lawyer say not to pay it while it is in dispute as it weakens my position and looks like i acknowledge the debt. However, not paying will see this debt going to debt collection (which we can block for the time being but might leave a trace on our file), and triggering a ZEK code that could go to 05…. The credit card was subordinate to my husband’s so any bad credit will affect us as an entity. This will prevent us from leasing a car or getting any kind of loan for a long time. He has a naturalisation process in the works… However, even if I pay under reserve, ie i pay but i contest it just to protect our credit rating and my husbands naturalisation, it would seem that this then scuppers our chances of getting anything back as we are deemed to accept the debt. So my case is essentially void both for the bank and the insurance. How are banks and other entities getting away with this. It feels like extortion. My lawyer cannot see past fighting the bank for money back and is dismissing these long term consequences of not paying. He just does not see the problem. He is urging us not to pay. I can see us in July being complete credit pariahs for the next decade and perhaps forever. Can anyone with actual knowledge tell me what I should do? I do not want our credit score destroyed on top of losing this money… but i do want to fight for the money. submitted by /u/According-Mission326
Originally posted by u/According-Mission326 on r/Switzerland