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 Posted: Tue Apr 15, 2008 4:13 pm Subject:
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hello,just came here to vent,i have been recieving live checks for 3 weeks now from my employer and the only place that will cash it is a PDL that i owe,,after waiting for this check to arrive today,(FINALLY),the PDL store has to call the bank the check is on to verify funds and much to my suprise,THERE IS NO FUNDS IN THE BANK FROM MY EMPLOYER,,i have given up,,thanks for listening,,,bye
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rydermack
Joined: 06 Mar 2008
Posts: 33
Debtcc Points: 441
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Posted: Tue Apr 15, 2008 4:19 pm Subject:
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What???? Your employer wrote you a check that you can not cash becuase the employer has no $$ in their account???? Unbelievable. I certainly hope you take this up with your employer. That is just wrong.
_________________
In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.
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RoxyNY
Moderator
Joined: 03 Aug 2007
Posts: 4112
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Posted: Tue Apr 15, 2008 4:41 pm Subject:
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my employer tells me that they always show 0 balance in there account for reasons i cant understand but its funny that the last 2 checks wasnt a problem,anyway they are going to cancel this check and send me a comdata check tomorrow,,it is a nightmare without direct deposit
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rydermack
Joined: 06 Mar 2008
Posts: 33
Debtcc Points: 441
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Posted: Tue Apr 15, 2008 4:49 pm Subject:
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Ryder, can you open another account at a different bank? And get direct deposit.
_________________
In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.
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RoxyNY
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Posts: 4112
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Posted: Tue Apr 15, 2008 5:22 pm Subject:
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i may be wrong but i was thinking since i was overdrawn ,,another bank would not let me open account
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rydermack
Joined: 06 Mar 2008
Posts: 33
Debtcc Points: 441
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Posted: Tue Apr 15, 2008 5:27 pm Subject:
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Ryder, I am not sure if that is true or not. I would check out the banking fourm and see what information is posted there. If you still are not sure pm MCA, she is the mod there and knows alot. I know there are banks that will open accounts for people with banking issues. So I am willing to bet there is a bank that will, just not sure which. Definately check with MCA though.
_________________
In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.
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RoxyNY
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Joined: 03 Aug 2007
Posts: 4112
Debtcc Points: 11516
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Posted: Tue Apr 15, 2008 5:28 pm Subject:
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ok,thanks
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rydermack
Joined: 06 Mar 2008
Posts: 33
Debtcc Points: 441
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Posted: Tue Apr 15, 2008 5:33 pm Subject:
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Anytime.. I hate not being able to answer for sure, but I do know MCA has helped many members that could not open bank accounts becuase of Chexsystems or other reasons. She helped me with an issue with telecheck.
_________________
In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.
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RoxyNY
Moderator
Joined: 03 Aug 2007
Posts: 4112
Debtcc Points: 11516
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Posted: Tue Apr 15, 2008 6:26 pm Subject:
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ryder and roxy - I have a friend who just opened a new bank account with no problem at all. And, he has another account that is overdrawn at the moment. I think it's like $100 in the negative. He went to another bank, filled out the paperwork, and they opened an account for him. I'm thinking (and I could be wrong here) that if the overdrawn bank doesn't report you, that you're "safe" opening another account?? I know that his other account that's overdrawn is still open. So, it's like they're just waiting for him to make a deposit to bring it back up to the positive again. So, he didn't have a problem. However, I'm no expert. MCA is. But I had to at least post this information for ryder.
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cannr
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Joined: 07 Jun 2007
Posts: 9372
Debtcc Points: 124815
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Posted: Tue Apr 15, 2008 6:42 pm Subject:
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thanks roxy and cannr,my direct deposit goes back in effect this week,i am planning on getting out of the negative and closing account,,i was wondering being i have block on account ,would that stop the direct deposit or just debits?
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rydermack
Joined: 06 Mar 2008
Posts: 33
Debtcc Points: 441
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Posted: Tue Apr 15, 2008 6:43 pm Subject:
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Do you have a hard debit block? If you have a hard debit block, then credit will go in, so your direct deposit will be okay. If you have a total freeze on your account, it'll prevent ANYTHING. So, do you have just a debit block on it?
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cannr
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Posts: 9372
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Posted: Tue Apr 15, 2008 6:47 pm Subject:
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i think maybe i should contact bank tomorrow because im not sure,she punched a few bottons on computer and shook my hand
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rydermack
Joined: 06 Mar 2008
Posts: 33
Debtcc Points: 441
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Posted: Tue Apr 15, 2008 6:54 pm Subject:
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Okay, ryder. Ask them if you have a hard debit block on your account. If so, this means that no money will go out, but money can come in. If they put a total freeze on your account, then nothing can come out or go in. So, see what they have to say. I'm thinking maybe they just put a debit block on it; however, you want to be sure. That way your check can still be accepted as a credit to your account.
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cannr
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Posted: Wed Apr 16, 2008 7:25 am Subject:
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Cannr, thanks for the info...I was thinking that it was possible to open an account, but I did not know for sure and did not want to give a yes unless I was sure. I know people in that situation as well and I know people here have posted that they were able to open a new account, but you know me...always error on the side of caution. 
_________________
In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.
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RoxyNY
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Joined: 03 Aug 2007
Posts: 4112
Debtcc Points: 11516
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