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 Posted: Tue May 13, 2008 1:32 pm
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She holds a reserve account for 2 or 3 times what the pdl sends in a day. The money that is debited from your account goes to Intercept, individually. She then deposits a bulk amount into the pdl bank account. She is barking up the wrong tree. Since the funds go to her directly, not the pdl bank, she is not being forthright. I would email her, and the pdl, simply stating the following: I revoke any authorization for you debit Acct info-------. I am copying your processor to insure that you will respect the Electronic Funds Transfer Act. They may not admit it, but they won't keep bothering you
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Guest
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Posted: Tue May 13, 2008 1:40 pm
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Guest....you have been very very helpful and have given me alot of hope in taking care of this....just to let you know! I am going to do that now...thank you thank you thank you!
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toledoguy030
Joined: 08 May 2008
Posts: 120
Debtcc Points: 997
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Posted: Tue May 13, 2008 2:48 pm
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No problem. Glad to see you not giving up. All too often these folks are content to say anything to get you off the phone and out of their hair. Sometimes they really do not know the law, however. Hang tight...you're making enough noise to get left alone. That's really all this is about.
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Guest
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Posted: Tue May 13, 2008 3:13 pm
Latest Blog Post : http://needhelpwithbills1966.yesdebtfree.org |
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Toledo,the best thing is to go to the branch with you letter in hand. Keep complaining until you get someone to listen to you.
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wssu91
Joined: 31 Mar 2008
Posts: 236
Debtcc Points: 1493
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Posted: Tue May 13, 2008 3:15 pm
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wssu is right. Just keep making noise until it's worth their while for you to go away. Push every button you can.
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Posted: Wed May 14, 2008 10:06 am
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Mr. Siravo,
I do understand your objection and I believe your request is reasonable.
If you will take the time to review the attached document and fax a
signed copy to me, I will issue a refund for the $390.00 balance that
was deducted from your account on February 1, 2008. The document is an
agreement which states that the dispute over the matter has been
resolved and neither party will continue the dispute in any way.
Obviously, the validity of the agreement is contingent on The Loan Shop
refunding you the $390.00.
Unless you prefer to receive the $390.00 in another manner, I will
process a refund transaction to electronically transfer the funds to the
checking account from which they were debited. This refund will be
processed as soon as the attached document is signed and returned to me.
The funds will be available in your account 1-2 business days after the
agreement is returned.
If you have any further questions about this refund or the agreement,
please feel free to contact me anytime by phone or email.
Sincerely,
William XXXX
Phone: 888-265-5074 x3497
Fax: 800-383-3309
I do not believe it...in a matter of one day!!! He later sent me a PIF letter as well..I owe a lot to this site...I never would've accomplished this without the support here...amazing and thank you to everyone. One down ...two to go!
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toledoguy030
Joined: 08 May 2008
Posts: 120
Debtcc Points: 997
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Posted: Wed May 14, 2008 10:07 am
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can someone edit my last name...i left it on there...sorry...i was too excited!
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toledoguy030
Joined: 08 May 2008
Posts: 120
Debtcc Points: 997
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Posted: Wed May 14, 2008 10:15 am
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Congrats.......
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maria_flores07
Joined: 05 May 2008
Posts: 37
Debtcc Points: 570
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Posted: Wed May 14, 2008 10:30 am
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We appreciate you contacting us on May 13, 2008, concerning your account.
We can place a stop payment on these transactions. Please note, there is a $32 fee to place a stop payment. If you would like to dispute these transactions, you will need to fill out an affidavit of fraudulent activity. We can mail this form to you or you can get one at your local branch. This form must be notarized. To find the nearest branch to your location, please select the Locations link listed on the top right side of the web address listed below. If you need further assistance, please contact us.
I just received this from my bank...is this normal...there is a fee to revoke transactions? i just said i wanted to revoke transactions from three companies per my rights to the EFT ACT...any ideas where to go from here?
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toledoguy030
Joined: 08 May 2008
Posts: 120
Debtcc Points: 997
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Posted: Wed May 14, 2008 10:33 am
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Stop payments will not help. It is a waste of money. They use so many different names that if they can nit get money from one name they will just use another. Either the account needs to be closed or a hard debut block put on. Dont waste money on stop payments that will not do anything and may infact make matters worse.
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5466
Debtcc Points: 38903
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Posted: Wed May 14, 2008 10:45 am
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i already said no thank you to that...since i am out of town until next friday for work...so i just said i will chance it. i was talking to a girl i work with about this and her friend is an attorney...she said to copy her on all of the letters i send to the PDL companies and she will handle their calls pro bono...she said this is ridiculous. so she said let them try and debit the account...she will go after them. so we will see...it worked for the first one.
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toledoguy030
Joined: 08 May 2008
Posts: 120
Debtcc Points: 997
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Posted: Wed May 14, 2008 10:51 am
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Toledo,
What got that result? Which button did you push?
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Posted: Wed May 14, 2008 10:53 am
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If I repeat, I am sorry, Did not have time to read the whole thread. If you are not getting satisfactory answers from one person, keep moving up the chain of command until you do get someone that will help you out. There usually is some type of fee for stop payments, which in cases like this, I think is a bunch of you know what, but what can you do? Just keep plugging away at this and work your way to the top of the ladder with your bank if necessary.
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2nband
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Joined: 30 Jan 2007
Posts: 2051
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Posted: Wed May 14, 2008 10:54 am
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Oh, I meant to add, make sure as you go through the chain of command at the bank, try to keep track of who you talked to what they said to you and how they said it.
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2nband
Moderator
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Posts: 2051
Debtcc Points: 35896
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Posted: Wed May 14, 2008 10:57 am
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i sent my letters out last night..with the ACH processor copied and my attorney copied stating i have overpaid on all of my accounts, i contacted the processor...intercept and they are not to contact me except email...and stop debiting my account. i told them any calls can be directed to my attorney and she will handle them...i was a little embarassed...but hey gotta suck it up. and already this morning i had a paid in full letter and a refund for the amount over the priciple....can't believe it...
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toledoguy030
Joined: 08 May 2008
Posts: 120
Debtcc Points: 997
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