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#35
09-20-2007, 07:41 PM
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Okay, this bites. Because we need to make sure we have your bank account to where the pdl's will not be able to debit and you will not be charged bank fees. We do not want to send letters out to the pdl's until your bank account is "safe".
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#36
09-20-2007, 07:49 PM
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I'll have to talk to my bank tomorrow and make sure I stay on the phone until I get somebody who can assure me of that, then. There's no money in the account and no more direct deposits to it, so the PDLs won't be able to debit it, but I think I'll be getting bank fees. I don't think the bank will cover the debits, I think they'll refuse and charge me fees. But, I'll have to talk to the bank tomorrow and find out for sure and see when it can be closed - or at least frozen to ACHs/debits. It'd be nice if I could avoid at least some bank fees...
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#37
09-20-2007, 08:01 PM
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Okay, you have no money in there so if the pdl's do hit it, they won't get their money. This is a good thing. The bad thing is that it's sitting there open/active so if the pdl's do hit, your bank is going to charge you their fees for each one. This can get incredibly ugly. You need to call first thing in the morning. Explain the situation. They need to close it (and assure you that it will not be forced back open due to pending debits) or they need to put a total hard block on it. Not just an ACH block. The pdl's will try to put through an electronic check once they figure out they can't get ACH debits anymore. Whatever you do, get them to do something so that NOTHING goes through. And get it in writing. Please post tomorrow as soon as you get an aswer from the bank.
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#41
09-21-2007, 11:51 AM
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Hmmm, well, I don't feel like my bank was all that helpful (they've always been great to deal with before this, too). I have a pending debit card purchase (redbox video - $1 was authorized, and I believe we only rented one movie for one night, so really that's all that the final amount should be, but it hasn't finalized yet). I don't actually know why that hasn't finalized yet, it seems like it's been long enough that it should have by now. Anyway, the guy at the bank said they can't put any freezes or holds until that purchase finalizes. He said a couple of times, "There's nothing we can do about payday loans." Um... what? That sounds like crap to me. He said I have to wait for that redbox purchase to finalize, and they won't let me close the account with a negative balance. I had about $20 in there, and a payday loan fee for Oasis1 (that's the OMG loan) of $60 did go through late last night. There should have been four other payments scheduled, and none of them went through. I don't see any overdraft fees charged to me on my account right now - it seems like they should have charged me the overdraft fee for letting that payment go through, taking me into negative, so I hope it stays that way (without an overdraft fee, that is). As of right now, I have a negative balance of about -$40. I guess I should mail in a deposit to cover the exact amount of the overdraft (actually maybe $1 or $2 more to make sure I cover the redbox fee). By the time that gets deposited, the redbox purchase should have finalized and hopefully I can close the account or get a freeze put on it. He also made it sound like the only way to put a freeze on it, because "they can't do anything about payday loans," is if it's left negative for long enough the bank itself will freeze it because of that.
Obviously, I'm now a bit confused after my conversation with him.
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#42
09-21-2007, 01:22 PM
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I've received three e-mail responses from the PDLs so far from my revocation e-mails - here is the first one: (This one my bank actually let the $60 payment through, even though it took my account into the negative)
Quote:
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#43
09-21-2007, 01:23 PM
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Here's another company's response (I guess):
Quote:
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#44
09-21-2007, 01:25 PM
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And another:
Quote:
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#45
09-21-2007, 02:16 PM
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Yeah, banks can be hard to deal with on the phone.
BTW - My bank doesn't post the OD fees until the next day . . . . So they may still be coming. I would call back and talk to someone else. Don't say payday loans. Say your account information has been comprimised (maybe you lost your purse or something) and you need to stop any charges, as you have nothing pending and nothing else is authorized. __________________
How I make some extra cash I earn at least $20 extra every month doing offers. And you don't have to pay a cent.
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#47
09-21-2007, 02:55 PM
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Kristi, Be sure to file with the BBB on United Cash Loans. I did and they responded. Said I was not their client and could not help me. I found that quite funny. Anyway..It was more response that some people received and it is helping my complaint with my AG.
__________________
In life it doesn't matter how hard you hit, it matters how hard you get hit and keep moving forward.
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