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 Posted: Fri Apr 15, 2005 7:58 pm Subject: mISTAKE |
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i THINK i MADE A HORRIBLE MISTAKE aLLIANCE ONE CALLED AND SO SCARED ME i GAVE THEM MY BANK ACCOUT NUMBERS FOR WITHDRAWAL IN 2 WEEKS. i TOLK THEM I MAY HAVE TO CALL BACK IF I COULD NOT BORROW THIS AMOUNT. DO I CALL MY BANK CANCEL THIS CHECK NOW OR WHAT, SHE SAID I HAD TO GIVE IT TO HER THE PASSED ME AROUND TO 3 DIFFERENT PEOPLE AND THEY WERE SO LOUD AND RUDE AND SEEM TO AGRRE ABOUT ME CALLING BACK IF I COULD NOT BORROW THE MONEY AND WHEN I DID THEY SAID I COULD NOT DO THIS IT WAS GOING TO GO THRU ON APRIL 24 WHAT CAN I DO HELP PLEASE.
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src
Joined: 26 Mar 2005
Posts: 6
Debtcc Points: 172
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| Posted: Sat Apr 16, 2005 10:01 am Subject: |
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Hi src
I had a hard time understanding your post. Can you edit your post and make it more orderly so that I can understand your problem. Your problem is not at all understood.
Roxette
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roxette
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| Posted: Sat Apr 16, 2005 11:56 am Subject: |
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| Quote: | | i THINK i MADE A HORRIBLE MISTAKE aLLIANCE ONE CALLED AND SO SCARED ME i GAVE THEM MY BANK ACCOUT NUMBERS FOR WITHDRAWAL IN 2 WEEKS. i TOLK THEM I MAY HAVE TO CALL BACK IF I COULD NOT BORROW THIS AMOUNT. DO I CALL MY BANK CANCEL THIS CHECK NOW OR WHAT, SHE SAID I HAD TO GIVE IT TO HER THE PASSED ME AROUND TO 3 DIFFERENT PEOPLE AND THEY WERE SO LOUD AND RUDE AND SEEM TO AGRRE ABOUT ME CALLING BACK IF I COULD NOT BORROW THE MONEY AND WHEN I DID THEY SAID I COULD NOT DO THIS IT WAS GOING TO GO THRU ON APRIL 24 WHAT CAN I DO HELP PLEASE. |
Jerry's Translation's service as I see it:
I think I made a horrible mistake when Alliance One Called me about a debt they were collecting on. The caller so intimidated me demanding payment,etc that I gave them my bank account number so they could withdraw a payment out of it in two weeks. I told them I may have to call them back to cancel this transaction if I was not able to borrow the funds needed to be able for this transaction to take place. Do I have to call my bank to cancel this Check (I imagine she gave them a "check by Phone/ACH info). The Caller told me I "HAD" give her this Bank Account /Check/ACH info. They transfered me between three different CA Agents who all were rude, abusive, yelling, demanding but all agreed if I gave them this info, I could call them back to recind my agreement to have this transaction go through. But after I called back to cancel this, they then told me it was too late and the transaction was going to be posted and withdrawn anyways on 4/24/05. What can I do? Please Help!
End of Jerrys Translation service!
src, did I get that correct?
For one, you should NEVER give out account information over the phone, especially if you feel pressured to do so by someone/company you do not know.
Secondly, you do have the right to contact you bank and explain to them that you were pressured and co-erced into reveling this information and would like to know what you can do to prevent this from happening.
Thirdly, they do not have the right to do what they did and take advantage of you in that manner and/or be rude to you while doing so.
Fourth, if they call back again, get their complete Company name, address etc, and write them a leter asking for a VOD so you may see and understand if the debt is really yours, their are many Examples for these letters inthe database from this site and others.
fithly, Join up with this site and maybe talk to them about Debt Consolidatiopn or one of the other services they offer to help you handle this situation.
JErry
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jtucker
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roxette
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Joined: 18 Mar 2005
Posts: 4140
Debtcc Points: 50411
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| Posted: Sat Apr 16, 2005 1:22 pm Subject: jERRY GOT IT RIGHT |
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I AM SORRY FOR THE MESSY MESSAGE BUT JERRY DID GET IT RIGHT THAT IS WHAT HAPPENED. TODAY I RECEIVED A LETTER FROM THEM SAYING THIS IS TO NOTIFY YOU THAT YOUR POSTDATED CHECK OR YOUR PRE-AUTHORIZED CHECK IN THE AMOUNT OF 500.00 WILL BE DEPOSITED ON 4-26 END OF LETTER. OUR AGREEMENT WAS SHE TALKED ME IN TO GIVING HER PRE-DATED CHECK AND SHE WAS GOING TO PRE=DATE IT BECAUSE I TOLD HER I WASN'T SURE I COULD COME UP WITH THE WHOLE AMOUNT OF 500.00 AND SHE SAID I COULD CALL HER BACK MAKE SURE I CALLED AT LEAST 3 BUSINESS DAYS IN ADVANCE TO CANCEL THIS AND SHE GOT REALLY LOUD AND SAID THAT THIS CHECK IS GOING TO GO THRU I STILL HAD SOMETIME TO BORROW THE MONEY. I AM TRYING TO REDO EVERYTHING AND TRY TO MAKE SETTLMENTS AND PAY EVERYTHING OFF BUT CAN NOT DO THIS UNTIL EARLY MAY AND I WAS WONDERING IF I COULD CALL BANK AND CANCEL THIS OR WHAT. THANKS FOR ALL YOUR HELP. SRC
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src
Joined: 26 Mar 2005
Posts: 6
Debtcc Points: 172
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| Posted: Sat Apr 16, 2005 1:42 pm Subject: |
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Hi src
Keep in regular touch with your bankers as they might do the favor as it is in your rights. However, if everything goes nicely, then you won't have to take extra pressure upon yourself. And make sure that you don't delay your payments further.
Thanks with regards
Roxette
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roxette
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Joined: 18 Mar 2005
Posts: 4140
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| Posted: Sat Apr 16, 2005 9:30 pm Subject: |
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HEHE I have teenage chiuldren so am good at translating 
src...please dont think I was calling ya childish or any such thing as I am not... just making a joke.
It is good to laugh at anytime as it helps relieve pressures
But now anyways...as roxette says, inform your bank of what happens and tell them you were pressured and tricked into making this payment arrangement. I also will disagree with roxette (if I understood her meaning anyways), and say have your bank cancel that "payment" of 500.00 and aks/find out who the original creditor is/was and see if you can "make" arrears with them instead, esp. if you explain to them how "their" collection agent just abotu broke every sectuion of the fdcpa to "coerce" that post-dated payment outta ya.
BTW... the April 24th date probally came about from them as it is near the end of the month and is probally being counted on as part of thier monthy quota/commisions. That time of the month is actually the best time to make "negotiations" with any CA, as they are more willing to comprimise and negotiate debt (if you know it is a valid debt you owe) so they can close thier month out better.
Jerry
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jtucker
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Joined: 01 Mar 2005
Posts: 121
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| Posted: Sat Apr 16, 2005 9:42 pm Subject: Re: mISTAKE |
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| src wrote: | | i THINK i MADE A HORRIBLE MISTAKE aLLIANCE ONE CALLED AND SO SCARED ME i GAVE THEM MY BANK ACCOUT NUMBERS FOR WITHDRAWAL IN 2 WEEKS. i TOLK THEM I MAY HAVE TO CALL BACK IF I COULD NOT BORROW THIS AMOUNT. DO I CALL MY BANK CANCEL THIS CHECK NOW OR WHAT, SHE SAID I HAD TO GIVE IT TO HER THE PASSED ME AROUND TO 3 DIFFERENT PEOPLE AND THEY WERE SO LOUD AND RUDE AND SEEM TO AGRRE ABOUT ME CALLING BACK IF I COULD NOT BORROW THE MONEY AND WHEN I DID THEY SAID I COULD NOT DO THIS IT WAS GOING TO GO THRU ON APRIL 24 WHAT CAN I DO HELP PLEASE. |
Please keep us updated to let us know what happens. For next time, if you feel intimidated or threatened by a harassing bill collector, take down the person's name and the company he/she works for. According to the law, you do have a right to tell them to leave you alone. You just have to put it in writing. This wont make your bill go away but it will prevent them from harassing you. If they continue to harass you, then you could sue.
However, once they have your number and your authorization, there is very little that you can do to end the transaction. You can try to contest the charge with your bank but there is a limited chance that you can win in this situation. But it doesn't hurt to try anyway. Hopefully, you will be able to find you way out of this situation.
good luck
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benjaminz6
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| Posted: Mon Apr 18, 2005 12:28 pm Subject: |
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Hi src, jtucker and benjaminz6 
First of all, I would like to rectify jtucker as he is confused with my gender. And I didn't mean to cancel that payment of 500. Anyways, src should not lose hope at this time as everything will come out nicely and we are there to suggest you with the good things always. This time benjaminz6 also came up with quite a nice suggestion. May be, src can use it for once. Let's see how things shape up after that.
Regards
Roxette
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roxette
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