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I have several Internet PDLS and today was they day to pay interest for all of them they all were returned . Yesterday i had fax all the pdls company Internet a letter with the MD state laws and i need to make settlement. only one contacted me to make settlement . Do i close my checking account now !

Posted: Fri Nov 09, 2007 10:43 am Subject:

if you just faxed that yesterday, i would say that it is too soon, but you should keep a record of everything you did for the next pay period.

Guest · Posted: Fri Nov 09, 2007 10:57 am Subject:

YOU SHOULD HAVE CLOSED IT BEFORE YOU SENT THEM LETTERS

Posted: Fri Nov 09, 2007 11:56 am Subject: r

cam, I have to agree with "guest". Your bank account should have been taken care of BEFORE sending them any letters. The pdls will be all over your bank account now that they know you're trying to "pull out" of the agreements. Go to the bank, see if you can get a hard debit block on it immediately. It's more than likely too late to actually close it since the pdl debits will already be pending. It might even be too late to put the block on it and prevent them from hitting today. Go to the bank now. See what you can do.

Posted: Fri Nov 09, 2007 12:09 pm Subject:

do it today, close your account. after they are aware that they cannot get your money, they will contact you.

Posted: Fri Nov 09, 2007 12:16 pm Subject:

Going to closed the account

Posted: Fri Nov 09, 2007 2:22 pm Subject: My checking account

I tried to closed my checking accounrt but now it over drawn and they wont closed it also how do i explain my problem in letter form request to change account or something . It a rinkey dink credit union they don't have too many functions also i have stop my direct depost there

Posted: Fri Nov 09, 2007 2:27 pm Subject:

you need to tell them what is happening, be honest with them, and also can you freeze your acct, that way they wont be able to do anything for sure with or to it,JMO

Posted: Fri Nov 09, 2007 2:50 pm Subject: r

They won't close an account that has a negative balance. You'll have to put a hard debit block/hard hold/freeze on it. Make sure NOTHING can go through. No ACH debits, no electronic checks, no nothing.

Posted: Fri Nov 09, 2007 3:19 pm Subject:

And don't forget, your account could very well be FORCED back open if new debits come through. My bank told me that for 30 days after I close my account they have the right to force it back open. This assuming that you are able to get your account closed in the first place.

tam77 · Posted: Fri Nov 09, 2007 6:46 pm Subject: hard block

sorry new to this, what is a hard block on a checking account? Does this block all debits and automatic payments as well?

Posted: Sat Nov 10, 2007 7:29 pm Subject: r

tam, don't be sorry! A hard debit block will prevent ANYTHING from going through. You can still have credits put in the account; however, no debits. Nothing. If it's a hard debit block, then no checks, no ACH debits, no ATM card, no nothing.

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