DONT HAVE THE MONEY FOR EVEN THE SMALLEST PAYMENT

No problem. Oh and about your bank. Go in and speak to a manager. Let them know the account needs be closed *ASAP* due to fraud. If they still do not close it, let them know that you will (and DO) file a complaint with the OCC (see last link in my sig.)

Good luck getting out from under these monsters!

Thanks. Actually I don't really need to close it I just want to do a hard debit block because i do have a DD payroll check coming through. It's too late for me to get a paper check this week.

Also, i took a look at the OCC website and it regulates National banks. They had a list of banks that it regulated but Bancorp South was not listed. I don't know who regulates them.

A little confused... I thought in your first post you said you had already closed your bank account and now you say its not closed but you want to get a hard debit block only. Maybe I misunderstood.

Anyway, be careful with the hard debit block and make sure nothing can get thru. If they can't get thru with an ach they will change the names and amounts and if that does'nt work they will try puting it thru as a check.

Have you talked with your bank already? I also bank at a smaller regional bank and when I went in and talked with them they set me up a new account right then and I made a list of all outstanding checks/debits and also deposits and they transferred everything to the new account. Several people have posted that is how their banks handled it as well.

ok-nevermind-LOL-I see my problem its 2 different people posting- my bad!

I am new to all of this. Can someone tell me what c & d letters are.

its a cease & desist(sp?) contact/collections letter. Read the sticky about dealing with illegal lenders for more info and a sample letter.

FYI, the original creditor isn't bound by law to follow a cease and desist order, only collection agencies are, however, I sent them to unlicensed payday lenders anyway because obviously they don't understand what following the law is so I figured- why not send a C & D just in case. lol