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Posted: Mon Feb 25, 2008 8:36 am Subject:

Please be sure that your account is closed and can not be forced open before you send anything. If all is in order , then its fine

Posted: Mon Feb 25, 2008 9:13 am Subject:

Thank you. The account is not yet closed. I'm just drafting the letters and getting them ready. I have just opened new accounts today and I am preparing to switch my payroll now.

Posted: Mon Feb 25, 2008 6:22 pm Subject:

Like kash said, make sure your bank account is SAFE before sending any letters. However, it may be pointless, but I would demand a refund of my overpayment. It doesn't hurt. These guys will probably not give you a refund because they think you still owe them money (morons). But I would include it in there. That's just me though....

Posted: Thu Feb 28, 2008 3:38 pm Subject:

Another question. I can't actually close my bank account until March 7th (when I make sure that my payroll gets into my new account safely) - I have the three payday loans scheduled to come out also on the 7th. Can I contact them by phone and get a 3 day extension until the the following Tuesday but close the account on March 7th after I make sure everything is ok? That would save $200 for the 3 payday loans that I have overpaid.

Posted: Thu Feb 28, 2008 4:45 pm Subject:

Do you mean contact the pdls and ask for an extension? I'll be honest. They will probably get the "hint" that you're up to something (like changing banks) and hit your account. Can you put a hard debit block on the account so no debits can hit?

Guest · Posted: Thu Feb 28, 2008 5:24 pm Subject:

Yes, I could put a hard debit on the account that was one of the options mentioned to me by the bank manager but I decided to go with completely closing the account because I was afraid of them creating a paper check. I have had 3 day extensions with GFSIL before with no problem but never with the other two.

Posted: Thu Feb 28, 2008 5:32 pm Subject:

Okay, when choosing to close the account, you need to be assured that no pending debits will force it back open. That's a problem. Pending pdl debits will force a closed account back open, the debits will go through, and the bank will charge you a million NSF fees. Put a hard debit block on the account. Nothing can go through. A hard debit block will prevent ACH debits, paper checks, electronic checks, your ATM card, everything. Nothing will go through.

Guest · Posted: Thu Feb 28, 2008 5:39 pm Subject:

Ok, I will do that. I will just put that on the account on Wednesday of this week. I have some ATM and debit card actions still pending on that account and they should clear by at least Tuesday. I also need to find out how soon that would take effect - is it immediately? So basically you're saying leave the account open just put a hard debit block on the account. I will talk to them tomorrow and get all the paperwork together and submit it on Wednesday. That will save me $200 from the PDLs.

Posted: Thu Feb 28, 2008 5:41 pm Subject:

If you go into the bank and speak to the manager, they can put the hard debit block on it immediately. Your account will still be "open" but blocked. I left mine open for a bit with a hard debit block on it. I opened a new account at a different bank immediately so that I would have a "working" bank account to use.

Guest · Posted: Thu Feb 28, 2008 6:10 pm Subject:

I have already opened a savings and a checking but with the same credit union as the other account. Because of prior problems I cannot get a checking account anywhere else. I was told that the accounts are separate from the old accounts and that they are in no way connected. Now is a hard debit block the same as a deposit only account?

Posted: Thu Feb 28, 2008 7:45 pm Subject:

Not excatly but it will work if it is on deposit only. No achs can get through.

Posted: Fri Feb 29, 2008 6:13 am Subject:

A hard debit block will not only prevent ACH debits, it will prevent paper checks, electronic checks, your ATM card, anything. No debits of any kind will go through. So, if these guys try to get sneaky and send an electronic check through, a hard debit block will stop it.

regina wilson · Posted: Sat Mar 01, 2008 11:57 am Subject: letter

Can the above letter for Indiana be used in Michigan?

Posted: Sat Mar 01, 2008 1:26 pm Subject:

Regina, it can be used for Michigan as well. I see that you have posts on several threads. I would recommend you start your own thread and explain your situation as well as the companies you borrowed from, how much you borrowed from each and the total of how much you have paid back to each. We will help you any way we can. If you start your own thread, then all your information is in one place and it is easier for you to find it again as well as easier for us to find you again. It also helps us know what was already posted to you so we can keep you moving forward to your desired resolution. Very Happy

Posted: Thu Mar 20, 2008 1:56 pm Subject:

Well....I received my first e-mail from GFSIL on the 18th saying that they want to make a settlement of $150 and to send it by Western Union or Money Order within 14 days. I'm ignoring them I've paid them enough. And what is so sweet is that the credit union that I deal with....on the day that I closed my account one of the PDLs had deducted $90 from my account before I had a chance to close it. The manager of the branch that I had been working with reversed the payment and sent the debit back to them unpaid and transferred my $90 into the new account and closed the account. Now that's justice. She also assured me that ACH debits will not reactive the account.

Scooby · Posted: Thu Mar 20, 2008 2:13 pm Subject:

That is wonderful. It's always good when the bank is willing to work with you.

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