My question involves collection proceedings in the State of: Texas
It has come to my knowledge that I have student loans that I never applied for. I am a Sr. and I have both Federal and Private (private my dad is co-signer on), but I didn't sign for any of them.
There are 19K in loans with 26K in refunds from the school going into an account of my Dad's, an account I am not on. (I also had funds from the Hazelwood act & an athletic scholarship before the loans applied to my balance at the school).
My dad has a "spreadsheet" I've just recently became aware of where he lists the expenses he's paid on my behalf and it seems he's reimbursing himself back for said expenses. Expenses like "Gas", "haircut", "meal when cafeteria was closed", and sometimes rent, but he did not pay for my rent the entire 2 years that these loans accumulated in.
If I personally chose to have loans, I could have chosen where I would have lived and how I spent the refunds of the loans. I would not have had to sought permission from him or go to him every time I needed money, this was my money and he spoke like it was his. The way he worded things was "We are not going to be paying for your housing this semester", etc. (He is no longer married to my Mom for clarification)
My question is, if he did in fact use these funds for my expenses, but I didn't sign or have knowledge of these loans, is it still considered fraud and is there a case I can make here? I became aware of these loans when I went to go apply for them on my own, I was seeking a loan for my last year of school when they told me they weren't going to be paying for my housing this semester.
He's been confronted and thinks he's done nothing wrong.
Thank you for any advice.