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 Posted: Wed Aug 29, 2007 3:54 am Subject: Could stop the awful payday loans from hitting my account!!
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i closed my bank account so i could stop the awful payday loans from hitting my account and once they hit my bank opened the account again. what can i do
tinac
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tina_1864
Joined: 13 Jul 2007
Posts: 2
Debtcc Points: 105
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Posted: Wed Aug 29, 2007 4:29 am Subject: reply
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Hi, tina! And welcome!  I'm sorry about your bank situation. However, we've been there, so we understand. Could you please give us a little more information? You closed your account due to pdl's? Are they store front or internet pdl's? And could you please tell us what state you reside in? We can check out the pdl laws for you. We can also go into the bank situation a little more. Please post & we can go from there!
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cannr
Moderator
Joined: 07 Jun 2007
Posts: 9375
Debtcc Points: 124818
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Posted: Wed Aug 29, 2007 5:15 am Subject:
Latest Blog Post : http://frogpatch.yesdebtfree.org |
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I can't believe that banks do that. Goudah has a warning posted about that but unfortunately it is too late for some people. If your account is closed it should mean closed for good. There must be a rule on the books about that with the FDIC or the OCC. I would love to find out. That is just totally not fair!
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frogpatch
Moderator
Joined: 09 Apr 2007
Posts: 3615
Debtcc Points: 30430
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Posted: Wed Aug 29, 2007 9:06 pm Subject:
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I agree when a customer chooses to close their account willingly why don't they honor that request. It's a totally different story when the banks close it because of too many NSF's they don't screw around there. They immediately shut it down, oh well I guess that's one way they make money is by charging an arm and a leg and 1/2 finger in nsf charges (LOL)
ladybug
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ladybug
Joined: 29 May 2007
Posts: 2692
Debtcc Points: 24536
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Posted: Wed Aug 29, 2007 9:11 pm Subject:
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My bank will return the eft if you catch it with in 24 hours. Have you asked your bank?
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ginurse
Joined: 12 Nov 2006
Posts: 135
Debtcc Points: 2163
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Posted: Thu Aug 30, 2007 4:29 am Subject: reply
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gin, your bank and my bank must be on the same "wavelength". My account was "forced" open again after closing it due to pdl debits. However, I have to check my account every morning to make sure nothing is on there (yes, it's closed AGAIN). But they have a certain time frame in which to work. You have to catch these FAST and get your butt to the bank and fight it ASAP. They can get them reversed off if you act quickly enough. However, some banks are total retards and will still keep the debits on there, keep the NSF fees on there, etc. Unbelievable.
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cannr
Moderator
Joined: 07 Jun 2007
Posts: 9375
Debtcc Points: 124818
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