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 Posted: Fri Feb 29, 2008 12:09 pm
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done all of that w/ pdls--faxed and postal 
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Posted: Fri Feb 29, 2008 12:15 pm
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social security done---it will be done OVERNIGHT--yes OVERNIGHT...it will be effective April..th bank was trying but the form they would use would of taken weeks..... 
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Posted: Fri Feb 29, 2008 12:19 pm
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I do not have time to read all this right now, so I am hoping that I am not repeating anything that anyone else has already said...
First PDL's are illegal here in NC (I am in NC also)
As far as your bank is concerned, you need to write a letter and send it via email or USPS telling them you are revoking your authroization to debit you account. Make sure you include all the information you gave then when getting the loan, which is the name of your bank and account number. Make sure you let them know you found out that they are operating illegally in the state of NC. In the letter include that you revoke any authorization you gave them to contact you references etc.
Take a copy of this to your bank. If nothing else, until you can get the new account established (which I recommend at a different bank), show them this letter and fill out some paperwork they give you. Keep an eye on your account and when you see these debits on there, go right to the bank and have them reversse the transaction. Most of the time they can do this, but they do have to have a copy of the letter you sent to these people on file, and you need one for each company. But get that bank situation taken care of ASAP or they will eat you alive.
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2nband
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Posted: Fri Feb 29, 2008 12:21 pm
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Hang in there and keep you chin up, it will get better! I promise and if I have repeated myself, please forgive me. Trying to multi task here
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2nband
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Posted: Fri Feb 29, 2008 12:24 pm
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love, you are doing GREAT! This is working out better than we hoped for! I am sooooo happy for you! You should be very proud of yourself for what you've accomplished in such a VERY short amount of time!
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cannr
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Posted: Fri Feb 29, 2008 12:28 pm
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Oh gosh...now reading a little more in between thing, do I feel dumb!
Glad you got things going for you. Like I said, hang in there!!! It is tough to start with but the fight is worth it to be out from under those things.
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2nband
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Posted: Fri Feb 29, 2008 12:33 pm
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 all these comments and compliments--haven't heard those in a LOOOONNNNNG time---it sure makes me feel good to know there are people cheering you on for all the right reasons--like getting your life back on track---this is the best graduation present for my teenager (he graduates CLASS OF 2009-GO CLASS!!!) Thanks 2nband for your thoughts--it was appreciated....
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Posted: Fri Feb 29, 2008 2:32 pm
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I have to admit I was worried about the bank and how that would go ....I came in to work today and the first thing I did was check. Love, the one thing everyone here will do is provide support. We have all been in your shoes and we all know the feelings of lonliness and deperation. I was afraid of everything when I found this site and now I am helping others. Please enjoy the rest or your day and that KFC. 
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RoxyNY
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Posted: Fri Feb 29, 2008 4:23 pm
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i was sweating my bank--they usually have a bad attitude and after last night i worried this morning out....
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Posted: Fri Feb 29, 2008 4:47 pm
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Yeah...but it worked out just fine. Now just take things one day at a time and you will do great.
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RoxyNY
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Posted: Fri Feb 29, 2008 4:52 pm
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YAY for love!
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cannr
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Posted: Fri Feb 29, 2008 5:42 pm
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all stuff is mailed to appropriate people---time to pop some popcorn and get under a warm blanket and wait to see what happens.....   
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Posted: Fri Feb 29, 2008 5:44 pm
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I like mine with extra butter...thanks! It may take a few days for them to catch on...but trust me, they will catch on...Enjoy that popcorn
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In life it doesn't matter
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and keep moving forward.
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RoxyNY
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Posted: Fri Feb 29, 2008 5:52 pm
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actually do they return money if overpaid or anything like that...or do they act like jerks for awhile then walk away...
if i can get your popcorn sent overnight--i will try--oh wait i may need a pd*---NOT...LOL
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Posted: Fri Feb 29, 2008 5:57 pm
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Some people have been successful in getting refunds. I actually got a few. However, they will mainly try to just give you a "paid in full" and not give you a refund. I fight for refunds; however, many people are just happy to get it marked "pif" and have them out of their life. Which is a good thing! But it never, ever hurts to demand a refund if you've overpaid. You may not get it, but at least you addressed the fact that you've overpaid.
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cannr
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