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 Posted: Tue May 06, 2008 5:18 am
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Maria...I can post a letter her for you to send to your pdl's, but we can take it one step at time. The first priority is to get your account closed and get your direct deposit rerouted.
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volleyballmom
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Posted: Tue May 06, 2008 7:33 am
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I'm having trouble logging in. Thank you for all your help. Okay so first I will call the bank and see if I can close my account. What will happen when the PDL's see that my account is close or what will the bank do? How I'm I going to pay the principal in the illegal ones if I'm going to close my bank account? and second Did you find anything out about JD Marketing? Sorry for all the questions I just want to get everything straight and not get myself in more trouble than I already am.
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maria_flores07.
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Posted: Tue May 06, 2008 7:39 am
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once you default on the loan, they will want money and you can work with them to pay it off.. the first thing is to really take of your bank. i, too was very scared and worried about the other stuff first. but the truth is, i had the hardest time with the bank - it took me almost a month to have it really closed and i did lose money to these loans because i was hasty. when dealing with the bank, try to go right to the branch manager.. my bank;s customer service phone number made me lose hundreds of my money.
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bea2ls
Joined: 27 Mar 2008
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Posted: Tue May 06, 2008 7:41 am
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also, check with your bank's manager - because as the sticky on this foroum shows, some banks won't just close an account - any ACHs will be able to reopen it. that's why so many people here go for a hard-block (basically making it deposit only). i really don't know about the laws in your state because i know it is illegeal to close your account in some states?
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bea2ls
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Posted: Tue May 06, 2008 7:48 am
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No worries...its not illegal to close an account in California and not subject to criminal action.
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volleyballmom
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Posted: Tue May 06, 2008 8:11 am
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ok, i didn't mean to worry anyone  i just didn't want any trouble
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bea2ls
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volleyballmom
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Posted: Tue May 06, 2008 8:34 am
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And, when you are done with all the legal stuff, call their processor. It's really a pretty simple process and it does work. It is one way of hitting them where they live. . . .in their pocketbook.
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llw1995
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Posted: Tue May 06, 2008 9:27 am
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Okay so I called my bank and the lady said I can close my account immediately and then re-open another one. She said I can do it over phone but it takes two days to get it closed. She said if I go to the branch it will be done right away. She also said that if someone is trying to debit the account they just say the account has been closed. So I will go do that tomorrow. Since my direct deposit is in by midnight. Once I do that I'll be ready for the next step. Can PDL send you to collections? That's the last thing I need.
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maria_flores07.
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Posted: Tue May 06, 2008 9:42 am
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after this is done 100%, you can send your letters out. Make sure you wait until the payments are defaulted. I would try to get something in writing stating that your account is closed.I am not trying to worry you, I just had a horrible time closing out my account.
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bea2ls
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Posted: Tue May 06, 2008 12:00 pm
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okay I called the bank again to make sure everything they told me was right. I did not remember that tomorrow two of the PDLs are going to take there payment. Which is $60.00 each. So I guess I'm too late for those. Tomorrow morning I will be going to the bank and closing account. The lady at the bank said I can dispute those transactions tomorrow. But what happens if I'm trying to close the account tomorrow and can I do that? Dispute?
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maria_flores07
Joined: 05 May 2008
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Posted: Tue May 06, 2008 12:06 pm
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It really would depend on your banks policy..if they will let you close the account AND dispute charges at the same time, then that is great.
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volleyballmom
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Posted: Tue May 06, 2008 12:19 pm
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If it is possible, should I dispute or just let it go and close account?
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maria_flores07
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Posted: Tue May 06, 2008 12:23 pm
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Almost forgot what is going to happen to the legal PDLs once they find out about the account being closed?
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maria_flores07
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Posted: Tue May 06, 2008 12:49 pm
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| Code: | | If it is possible, should I dispute or just let it go and close account? |
If you can only do one or the other, I would choose closing the account. That is the best long term solution. Sure, you'll be out $120, but after that they will get no more!
| Code: | | Almost forgot what is going to happen to the legal PDLs once they find out about the account being closed? |
You'll need to make other arrangements with them. Dont tell them that you have a new checking account...just tell them you dont have one anymore.
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volleyballmom
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