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aj15 · Posted: Thu May 29, 2008 9:41 am Subject: new account set up

Okay - so I have a new account set up. But, hubby's direct deposit is still going into the old one last time. Thus, I can't close it.

I have talked to the bank who is "calling me back" on whether or not they can do a hard block on debits on the account.

So....if they don't....tonight when he gets his paycheck...MTE is also going to try and take out money.

Should I transfer his check as soon as it hits to my new account? Go to an ATM and get it out? Then, let the ACH's hit, dispute them with the evidence that I revoked authorizations, and wait for the credits from the bank?

I know this means my old account would be over drawn for a time period.

Or should I just suck it up, let them have yet another round of money...and close it right after that ensuring that it won't happen again?

My stomach hurts.

Posted: Thu May 29, 2008 11:00 am Subject: need help

i was in the same boat as you...here's what i did, and you can too. close your account today. when the direct deposit comes in and tries to go to that account and gets rejected, it "sits out there on the wire" waiting for someone to "tell" it where to go. if you go to your bank and tell them to close your checking account and open a savings account w/them, and that you will have a direct deposit that is going to try and hit your "closed" account, they can watch for that dd and pull it in to your savings, and no one can touch it. my bank actually suggested that i do this. hope i helped.

Posted: Thu May 29, 2008 12:30 pm Subject:

That is a good idea mardischmid..I never thought of doing that:)

Posted: Thu May 29, 2008 12:35 pm Subject: ladybug

just make sure that you do it today, and tell the bank who the dd is coming from and the amount, and they can pull it right in, its that simple. hope it works out for you.

aj15 · Posted: Thu May 29, 2008 1:24 pm Subject:

Well...they haven't even called me back about the hard block on my account. My bank is such a pain. I don't know the amount of the direct deposit either.

I'm thinking of actually waiting until the deposit is in the account and pulling it out (transfer or atm) and then letting the pdl go ahead and hit the account. Then just file my complaint with the bank. They'll charge me a NSF for them...but once I sign that I revoked authorization they will refund them plus the amounts. Then hopefully that will be the end of it.

Is this a bad idea? I've tried to get it closed before now, but it didn't work out because of the direct deposit. I could just go ahead and let them have the next payments...but I really don't want to give them another dime after all I've paid so far.

I don't know what to do.

Posted: Thu May 29, 2008 1:28 pm Subject:

If I were you, I would go to the bank asap, and insist that a hard debit block be placed on that account, don't even bother with speaking to a teller, insist that you want to speak with the Branch Manager and no one else, if she/he isn't availble, insist to speak with a supervisor. Get it in writing, the hard debit block, also give them the revocation for ach authorization. I wouldn't take any chances at this point. Make the bank responsible if they fail to abide by your revocation. Smile

Posted: Thu May 29, 2008 1:28 pm Subject: AJ15

have you tried calling them back? i would go to my bank and person and do this. i would do what i have to, not to pay these losers another dime.

Posted: Thu May 29, 2008 1:46 pm Subject:

The DD usually goes in at midnight as does the ACH so you may not be able to do that! It depends on your bank!

Posted: Thu May 29, 2008 1:55 pm Subject: This is such bad timing....need help.

My only fear is that dd hit as well as pdl ach's. They always did at my bank. both were there at the same time..

My only suggestion would be to go down there and get the account closed and hopefully they will move the dd into the savings account.

Good Luck Friend

Posted: Thu May 29, 2008 4:20 pm Subject:

I went through the same thing. I put a block on my account in order to see my check again. It works! You have to go to the branch and talk to a branch manager. Good Luck.

pa2504 · Posted: Fri May 30, 2008 2:58 pm Subject: payday loans

Hi i just got wind of this site today. I wish i had of gotten to it last week. Unfortunately last week my PDl ACH bounced in my account and my account is now overdrawn. I am going to the bank tomorrow to see if i can close out my account. A few weeks before that i happen to open another account at a different bank and had my DD changed to that account. Next I am calling the PDL company and trying to make arrangements for payment. I live in PA not sure what the laws are here regarding payday loans.

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