I think I may have accidentally signed a messy instalment contract with false details in Poland. How bad is this?
Hi everyone,
I bought a monitor in Poland using instalment payments, and I am now worried because the documents are a mess.
When I was buying the monitor, my girlfriend told me that I should ask for an invoice under her brother’s details because he is self-employed and it would be useful for him. She said he could possibly get the VAT back, or that it could help him somehow with his business.
I told her I was not comfortable with that because I thought it could cause problems later, but she insisted that it would only bring benefits and no issues.
She came with me to buy the monitor and gave her brother’s details when the store asked for the invoice information.
Now I checked all the documents and I noticed the following:
The invoice is issued under her brother’s name/company details. My name does not appear on the invoice at all.
However, the instalment payment/credit agreement contains my personal details, including my name, surname and ID.
The problem is that other details in the financing agreement are wrong:
The address listed is not my address, but her brother’s address.
The employer field is also wrong. Instead of my real employer, it lists her brother’s name/company, as if I worked for him.
So basically, the invoice is under one person, while the financing agreement is under me but with an incorrect address and incorrect employer information.
I am worried because I do not know how serious this is.
Could this cause problems with the financing company, warranty, returns, consumer rights, or tax/accounting matters?
Should I contact the store and financing company immediately and ask them to correct or cancel/reissue everything?
I do not want this to create any legal, tax, or financial issue later.
Any advice would be appreciated.