Payday Loan help

ACH - Trying to minimize irregularities of payday lenders

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Posted: Tue Nov 13, 2007 1:52 pm Post subject: r

jay, even if it is in the negative (mine was forced open the first time also due to pending pdl debits), they should be able to put a hard debit block on it. Notice I say "should". Some banks are harder to deal with than others. However, if you STRESS the importance to them, they should put a hard block on the account (even if it is in the negative) so that no more NSF fees will add to it. You already have to pay them some fees as it is. For gosh sakes, you would think they would do something to protect the account until you're able to bring it back into the positive and then they can close it. But I do understand some banks are hard to deal with. But it just kills me that these illegal pdls are going to continue to hit it and cause you more fees. I hope your bank can help you so that no more fees are added on.

cannr
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Posted: Tue Nov 13, 2007 1:53 pm Post subject:

i am going to go and talk to my bank on thursday cannr, if they say that i have to keep it open then i guess i have to, because the ach debits will force it back open, so.....

jaydanielle1

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Posted: Tue Nov 13, 2007 1:58 pm Post subject: r

Ahhhh...... it just KILLS me! Now, in my case, when my account was "forced" open due to the stupid pdls, it was in the negative (WAY in the negative). They put a hard debit block on it (even though it was in the negative) so that nothing could come through and cause NSF fees (to add to the ones I already had). I'm hoping your bank can do the same. At least that way you won't be paying NSF fees forever and ever as this illegal idiot pld keeps hitting your account.

cannr
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Posted: Tue Nov 13, 2007 2:02 pm Post subject:

I was able to get my bank (through the fraud dept) to put a freeze on my account, the last time 10/31 that cash today tried hitting it, the debit bounced back to them and nothing paid out and no nsf charges were billed to me. _________________ Remember: Everyday is a good day - Just some days are better than others.

deeannstudent

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Posted: Tue Nov 13, 2007 2:06 pm Post subject: r

Exactly what I am hoping for jay. For the bank to do SOMETHING so that the debits will be rejected AND not charge her NSF fees. It can be done!

cannr
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Posted: Tue Nov 13, 2007 2:08 pm Post subject:

I put my account on Deposit only status and anytime a debit hit my account it was sent right back unpaid with no NSF fees as well. _________________ aminah

aminah0529

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Posted: Tue Nov 13, 2007 2:09 pm Post subject: r

Thanks for posting, you guys! jay, get your bank to do SOMETHING like this. This way the pdls will not get the debits AND you won't get any more NSF charges. You do not need this.

cannr
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Posted: Tue Nov 13, 2007 2:21 pm Post subject:

i tried to do the deposit only they said no at the bank, and then i tried to freeze it but they said not until i pay the money that i owe, it was 678 behind, but they were able to reverse a lot of stuff, but i am very hopeful that they are willing to close the acct

jaydanielle1

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Posted: Tue Nov 13, 2007 2:25 pm Post subject:

one good thing is that i gave them my direct line and i check all the mail that comes in so they can try whatever they want at my job, but it wont get past me

jaydanielle1

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Posted: Tue Nov 13, 2007 2:29 pm Post subject:

That is the way it is with me too. I just do not answer the phone anymore if I do not recognize the number I just do not answer anymore.....

njl32

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Posted: Wed Nov 14, 2007 10:31 am Post subject:

and they just hit acct yesterday for 140 dollars, they are slick, but the bank is going to return them unpaid

jaydanielle1

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Posted: Wed Nov 14, 2007 2:01 pm Post subject:

and it looks like i will have to keep it open but frozen until further notice because of these jackasses One Step Cash ACH Loans Payday-loan-yes

jaydanielle1

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Posted: Thu Nov 15, 2007 11:26 am Post subject:

well i went to the bank and they closed my acct, he told me that even if they try to hit my acct that nothing will happen, once its gone there is no coming back

jaydanielle1

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Posted: Thu Nov 15, 2007 1:40 pm Post subject: r

jay, so they will not force it back open or charge you any NSF fees or anything? Since you know that these guys are going to continue to hit that account forever and ever. It's totally closed forever?

cannr
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Posted: Thu Nov 15, 2007 1:48 pm Post subject:

yes, its closed cannr at least thats what the man told me, but he has been working with me, so hopefully this is what it is

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Posted: Thu Nov 15, 2007 1:50 pm Post subject: r

Yay! I'm just glad! Now you won't have to be paranoid about these pdls slipping debits through or getting NSF fees! This is great news!