Internet's first get-out-of-debt community - 134,000 members

Posted: Thu Sep 27, 2007 10:31 am Subject:

Kim, unless you can get your bank to cooperate, they will keep debiting.

Posted: Thu Sep 27, 2007 10:37 am Subject: reply

I do not understand why your bank is doing this. I can not, for the life of me, figure out why they refuse to put a block on the account. You need to get in there, in person, and speak with that branch manager. If you have to, ask them to call the corporate office while you are sitting there. You need someone who is going to help you out of this. There is no reason on this earth they can not put a block on the account. No reason. kim, if your check is going to be put in direct deposit still (or did you stop it?), you need to act quickly and see if you can get that money out before the pdl debits post. I know it sounds awful and it sounds sneaky, but I do believe you need your paycheck. You need to have a home. I can not stand the thought of you and your dogs in your car. Please, go to the bank and talk to the branch manager in person. Call the corporate office, if need be. However, try to get every last dollar out of there so you will not be left out on the curb with your dogs. Please. We will try to do whatever we can to help you.

Kim V · Posted: Thu Sep 27, 2007 10:37 am Subject:

My bank will not cooperate...and they will never stop???? What about bankruptcy....will that make them stop???

Posted: Thu Sep 27, 2007 11:10 am Subject: reply

kim, you don't really want to file bk, do you?

Posted: Thu Sep 27, 2007 11:46 am Subject:

Hi Kim!

Just to agree with what else has been posted here, the letters will not neccsarily make them stop.

I wish you were registrered so you could PM me the name of your bank.

The bank needs to SHOW you their POLICY around account closure...not just what some teller or customer service rep thinks it is. Do they endlessly continue to allow the account to be forced open forever? There are guidelines and you need to demand to see them and have them explained.

Posted: Thu Sep 27, 2007 11:50 am Subject:

ALso, if they refuse, tell them you are going to complain to the OCC. Banks do not want OCC complaints....

Posted: Thu Sep 27, 2007 11:56 am Subject:

Hello there Kim! Keep your head up! Everyone here will help you figure it all out...they helped me! I'm with Cannr....go in there, and keep asking for different people to talk to. There has to be someone who will really listen, and help you out. Make sure you really disclose what is going on. Again, if nothing else, cancel your direct deposit, and resort to cashing your payroll check if you have to. Of all the things I have learned from people here, is to take care of yourself first! Those PDL's can all wait! Good luck, and keep the questions coming. It'll get fixed!

Kim V · Posted: Thu Sep 27, 2007 12:00 pm Subject:

I am sorry... I Tried to register??? It tells me my e-mail already exists??? I am going to my bank again..

Kim V · Posted: Thu Sep 27, 2007 12:13 pm Subject:

I did stop my direct deposit but it was too late for tomorrow. I didn't discover you all in time...

Posted: Thu Sep 27, 2007 12:20 pm Subject:

Kim-Got your message....like I posted, you need to be shown the policy....when you opened the account, there are rules of engagement between you and the bank.

What they are telling you is not clear and subjective.

At this point, so you can have some $$ in your pocket, go withdraw all you can early tomorrow AM. Heck if its going to be overdrawn anyhow, at least you have $$.

Posted: Thu Sep 27, 2007 12:24 pm Subject:

Great! Take it to a check cashing place if you have to to cash it. Better yet, if it's drawn on a local bank, take it there and they will cash it for free. It's a pain, but it's worth it if you are finally getting control back.
Until you get another bank account, it sounds like you are going to have to go the money order route, but that's OK. You can also go to Accountnow.com, which I have done and get your check direct deposited and get billpays, up to 7 a month before you're charged.

Posted: Thu Sep 27, 2007 12:33 pm Subject:

ks-She stopped it but too late for tomorrow..her DD will go in tomorrow.

Posted: Thu Sep 27, 2007 12:35 pm Subject:

Oops, then Kim will have to pull it out ASAP before the PDL's grab it.......

Posted: Thu Sep 27, 2007 12:36 pm Subject:

Yep, thats what we're telling her....an early ATM run is in her future!

Posted: Thu Sep 27, 2007 12:37 pm Subject:

And I would say right after midnight!!! But isn't there a limit as to how much you can get out of the ATM?

Posted: Thu Sep 27, 2007 12:40 pm Subject:

Personally, I dont have one because I work for the bank. It all depends on the type of account...I know some people its $200 cash and then others that have $7500 cash.

OR she can walk into the bank and take it out...unless the PDL's are pending, she has a right to all of her $$.

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