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 Posted: Mon Jun 18, 2007 3:03 pm Subject: what next |
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okay I thought my bank account was supposed to close, well there was a cash advance attached to it, so they forced it open on friday and guess who all tried to debit my account. I had let me bank know previously that this was the reason it was closed due to the payday lenders. I have copies of the letters that I have faxed and email. What do I do next? 
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louise25
Joined: 11 May 2007
Posts: 57
Debtcc Points: 1928
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| Posted: Mon Jun 18, 2007 3:04 pm Subject: |
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You should dispute this with your bank as soon as possible to see if you can get these reversed, I hope you went to another bank for a new account.
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TweedleDee
Joined: 05 Jun 2007
Posts: 79
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| Posted: Mon Jun 18, 2007 3:17 pm Subject: |
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Yeah, unfortunatly that's pretty common . . . Some banks will force open closed accounts if ach transactions go through within a certain time period . . . It's the stupidest policy I've ever heard of, if you close an account, it should stay closed.
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goudah2424
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| Posted: Mon Jun 18, 2007 3:18 pm Subject: |
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I heard some banks allow the debits within 30 days from pdl companies even after the account is closed. You should definitely dispute the charges by showing your copies of the account being closed. I don't know if they will sound helpful in reverting the charges. You must look for a different bank and open a new account.
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Bridget
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AnthonyLemons
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| Posted: Mon Jun 18, 2007 3:25 pm Subject: |
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Most of the banks that have this policy put it in the fine print of their user agreements . . . . So it's something you agreed to before hand.
If you know this going into it, you can take steps to prevent the account for being reopened. Tell the bank your situation, and ask them to put the account on deposit only, a hard hold, or an ach block before they close the account. That was the pdl's won't be able to reopen the account.
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goudah2424
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| Posted: Mon Jun 18, 2007 3:46 pm Subject: |
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Very good advice, take it and use it. You will be glad you did.
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TweedleDee
Joined: 05 Jun 2007
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| Posted: Mon Jun 18, 2007 3:48 pm Subject: |
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Yeah, it totally sucks to go from owing illegal payday loans $1000's, to owing a perfectly legal bank $1000's . . . . . .
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goudah2424
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| Posted: Mon Jun 18, 2007 7:46 pm Subject: debt |
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I would definately try to dispute with the bank. I was very fortunate on this one my bank worked with me. Hope it works out. KYSIDE38
_________________
RYDERS OF THE NIGHT
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KYSIDE38
Joined: 19 Jun 2006
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| Posted: Tue Jun 19, 2007 12:12 pm Subject: |
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Thank you for all of the advise. I told the banker last week when the account was forced open due to the cash advance I had with them, that they need to still put a hold on it and I also told him that I have faxed letters and emailed the pdl to not debit my account, so hopefully they will work with me because they were told as well. I will keep you all posted and thank you for the good advice. Gotta love this website.
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louise25
Joined: 11 May 2007
Posts: 57
Debtcc Points: 1928
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