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 Posted: Thu Feb 28, 2008 5:50 pm
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what now---am i screwed???
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lovedalehpbear
Joined: 28 Feb 2008
Posts: 227
Debtcc Points: 2733
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Posted: Thu Feb 28, 2008 5:51 pm
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Okay, we can try this. I'm still amazed that they will not cooperate with you. We can try the stop payment thing (although that's going to cost you money which I don't agree with). However, you would need to tell her EXACTLY what to stop payment on. So you would need to know EXACTLY how they debit. You should be able to see that on your bank statement (she can pull it up at the bank). Have you spoken to a manager? I know you're dealing with a supervisor; however, it's always best to go to the "top dog" and speak to the manager. I just can't see how they won't do a hard debit block for you when these are illegal companies debiting your account.
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cannr
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Posted: Thu Feb 28, 2008 5:53 pm
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she said a checking account is for w/d and deposits--stop payments are for oops/illegal transactions....my son said that they can still make a w/d by changing one letter/number--so really what do i do
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lovedalehpbear
Joined: 28 Feb 2008
Posts: 227
Debtcc Points: 2733
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Posted: Thu Feb 28, 2008 5:55 pm
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she also said if you authorized them --did you not know they were illegal---I replied don't the bank know its illegal
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lovedalehpbear
Joined: 28 Feb 2008
Posts: 227
Debtcc Points: 2733
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Posted: Thu Feb 28, 2008 5:58 pm
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how do i deal with the lenders next also will stop payment be effective on the w/ds next month (april...may...june....)
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lovedalehpbear
Joined: 28 Feb 2008
Posts: 227
Debtcc Points: 2733
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Posted: Thu Feb 28, 2008 6:01 pm
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The lenders are the least of your concern right now. Getting a handle on the bank is the most important..do you get your deposit monthly or biweekly?
_________________
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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Posted: Thu Feb 28, 2008 6:01 pm
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monthly
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lovedalehpbear
Joined: 28 Feb 2008
Posts: 227
Debtcc Points: 2733
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Posted: Thu Feb 28, 2008 6:02 pm
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love your quote RoxyNY
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lovedalehpbear
Joined: 28 Feb 2008
Posts: 227
Debtcc Points: 2733
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Posted: Thu Feb 28, 2008 6:03 pm
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Your son is correct. They can change one little thing and the debit will go through. That's how these sneaky illegal companies keep getting money on accounts that are not closed/blocked. Yes, $150 is cheaper; however, you will still have a problem, unless your thinking of putting a stop payment on them for this one time and then closing the account before they hit again. Can you take letters in to your bank stating that you've revoked their authorization to debit your account and then they will put a block on it? You can type up quick letters revoking debit authorization to each one and take copies in to the bank showing you revoked their authorization.
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cannr
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Posted: Thu Feb 28, 2008 6:03 pm
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Cannr, since love gets a monthly deposit..could love not drain and close the account as soon as everything goes throuh..deposit and debit.
_________________
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: 3903
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Posted: Thu Feb 28, 2008 6:05 pm
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Love, thank you...my son taught it to me...it is from Rocky...
You need to contact SSI tomorrow and find out how to change your direct deposit and how long it will take...that also plays a very important part in all this.
_________________
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: 3903
Debtcc Points: 11752
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Posted: Thu Feb 28, 2008 6:07 pm
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That's why I was asking those questions. love can let these go through or attempt to put a stop payment on them for this time. Then go in there after the 3rd, take every friggin penny out and close that account. Go to a different bank and open a new account.
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cannr
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Posted: Thu Feb 28, 2008 6:12 pm
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how do you write letters......i can possibly get my money out but the bank will not close my account officially for so many days--i believe 10 days...i went through with my ex
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lovedalehpbear
Joined: 28 Feb 2008
Posts: 227
Debtcc Points: 2733
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Posted: Thu Feb 28, 2008 6:13 pm
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i will contact ss when i have new account number
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lovedalehpbear
Joined: 28 Feb 2008
Posts: 227
Debtcc Points: 2733
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Posted: Thu Feb 28, 2008 6:18 pm
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any form for a letter to copy--i need something soon--i have 5 tonight to do
HELPPP---need help with letter SOOONNN
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lovedalehpbear
Joined: 28 Feb 2008
Posts: 227
Debtcc Points: 2733
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