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belle35 · Posted: Sat Jul 07, 2007 7:47 pm Subject: help with payday loans

I have a few payday loans out I had got some advice the other day and I closed my account with the bank and opened a new one, come to find out those pains went and put my old account in the red AGAIN!! What can I do. I told then I revoke any right to debit my account and it is closed?

Posted: Sat Jul 07, 2007 8:03 pm Subject: belle

belle, did you close your account and then the pdl debits went through and "forced" your account open? Did you revoke thier privilidge to debit your account before you closed your account?

belle35 · Posted: Sat Jul 07, 2007 8:07 pm Subject: closed

I closed the account and they forced it back open I am so sick of this

Posted: Sat Jul 07, 2007 8:09 pm Subject:

That stinks! I would file a fraud claim with your bank asap, letting them know that you did NOT authorize those debits. Good luck and let us know what happens, OK?

Posted: Sat Jul 07, 2007 8:57 pm Subject:

belle,
You should be able to provide the bank with copies of the letters/emails that you sent the companies to revoke the right to debit, and they should be able to have you sign an affidavit to the fact that is was fraudulent. Good luck!!

Posted: Sun Jul 08, 2007 7:37 am Subject:

Usually the best thing to do is go directly to the branch manager and appeal to that persons sense of reason. They may return you fees and place you account on a "deposit only status." The fees affect the bottom line of the bank and a few branch managers may be motivated by that but most are humans like you. Don't go there with an attitude. Treat them the same as the cop who pulls you over.

Posted: Sun Jul 08, 2007 8:54 am Subject:

It is possible that with copies of the letters you sent, that you might be able to get the bank to return everything and possibly refund the NSF fees, considering the account was suppose to be closed. The bank will usually want proof that you revoked authorization to debit your account.

Posted: Sun Jul 08, 2007 8:59 am Subject:

That is what my bank said. As long as I have proof that I notified them to NOT debit, I can get my money back.

Posted: Sun Jul 08, 2007 9:46 am Subject:

Posted: Sun Jul 08, 2007 11:41 am Subject:

Thats exactly what my bank said too...and did it too...

Posted: Sun Jul 08, 2007 12:08 pm Subject:

That's horrible! Where is the protection for the customer?

Posted: Sun Jul 08, 2007 12:11 pm Subject:

There isn't any. I was astonded when I started reading in here...which was a several days after I closed my bank account and really started having trouble. I couldn't believe that the bank gave me none of this info on what could happen or any help at all...

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