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 Posted: Tue Apr 15, 2008 9:14 am Subject: payday loans
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Is anybody still out there? I need help! I am so afraid to do this!
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utlonghornfan
Joined: 08 Apr 2008
Posts: 54
Debtcc Points: 551
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Posted: Tue Apr 15, 2008 9:30 am Subject:
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HI...hope you're doing well. What can we help with?
| Code: | | somewhere that in Texas you could be criminally charged with fraud for closing your account |
They have to prove it was fraud.
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volleyballmom
Debt Samaritan
Joined: 27 Aug 2007
Posts: 4178
Debtcc Points: 24895
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Posted: Tue Apr 15, 2008 9:55 am Subject: payday loans
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does anyone have experience with references getting phone calls cuz my sister will go ballistic if she gets a rash of phone calls. Also, at work? will it be like 20 per day?
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utlonghornfan
Joined: 08 Apr 2008
Posts: 54
Debtcc Points: 551
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Posted: Tue Apr 15, 2008 9:56 am Subject:
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Some PDL's will call your references and call your work number.
You can send them a cease and desist letter and some will comply, some will not.
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volleyballmom
Debt Samaritan
Joined: 27 Aug 2007
Posts: 4178
Debtcc Points: 24895
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Posted: Thu Apr 17, 2008 7:44 am Subject: payday loans
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Called the bank (Compass). . . they said I cannot close my account til one transaction clears BUT ACH debits WILL force open the account.... so WHAT do I do now??? I told her that I had fraudulent transactions hittimg my account so I needed to block that and she said I had to file a claim with the fraud department to get any fraudulent charges reversed. . . ARGHHHHHH
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utlonghornfan
Joined: 08 Apr 2008
Posts: 54
Debtcc Points: 551
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Posted: Thu Apr 17, 2008 7:48 am Subject:
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Tell them that you need a hard debit block put on the account. It is your right to revoke any ach transactions.
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5461
Debtcc Points: 38903
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Posted: Thu Apr 17, 2008 8:05 am Subject:
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I called back. . . they said I cannot do that while I have pending transactions. . . so I have to wait until the one pending item clears. Will there be enough time you think?
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utlonghornfan
Joined: 08 Apr 2008
Posts: 54
Debtcc Points: 551
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Posted: Thu Apr 17, 2008 8:21 am Subject:
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ut, you only have one pending debit at the moment, corrct? You're not due to be hit by the pdls until Tuesday, correct? If that pending debit posts tonight (check first thing in the morning), go straight to that bank and put a hard debit block on that account. If it doesn't post tonight & waits until tomorrow, hopefully your bank has Saturday hours (?). Go as soon as you possibly can once that one debit posts. Put a hard debit block on it. If we can get that block put on Friday or Saturday, you should be blocked from the debits on Tuesday.
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cannr
Moderator
Joined: 07 Jun 2007
Posts: 9374
Debtcc Points: 124815
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Posted: Thu Apr 17, 2008 8:43 am Subject:
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Cannr, thanks for your help. . . just looked at calendar -the 21st is Monday!!! That is when they hit! So do I need to change my tune about why I need to "freeze" the account because they werent liking the ACH fradulent activity. . . I know I did this once before when my purse was stolen and it was NO PROBLEM!!!
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utlonghornfan
Joined: 08 Apr 2008
Posts: 54
Debtcc Points: 551
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Posted: Thu Apr 17, 2008 11:46 am Subject:
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ut, if you need to claim "identity theft", then by God, do it! You need this done ASAP if they are scheduled to hit Monday. That means they'll be pending BEFORE Monday. Get to the bank. Do whatever you have to to get that blocked/closed!
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cannr
Moderator
Joined: 07 Jun 2007
Posts: 9374
Debtcc Points: 124815
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Posted: Thu Apr 17, 2008 12:03 pm Subject: payday loans
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Ok, the bank says that I can't do anything to my account until there are NO pending transactions. . . . so if the one pending transactions does not clear tonight, it will be monday morning before I can do this and I will have been hit hard by then. . . Has anyone worked out arrangement with the CSO's that I have. . . will they let me call and make arrangements without hitting me in my bank account??? Someone let me know (since they are legal will they work with you?)
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utlonghornfan
Joined: 08 Apr 2008
Posts: 54
Debtcc Points: 551
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Posted: Thu Apr 17, 2008 12:03 pm Subject:
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ut, if you need to claim "identity theft", then by God, do it! You need this done ASAP if they are scheduled to hit Monday. That means they'll be pending BEFORE Monday. Get to the bank. Do whatever you have to to get that blocked/closed!
isn't that fraud saying they didn't have auth to do the trans? 
_________________
Register today to encash debtcc points.
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nick jenkins
Guest
Debtcc Points: 100
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Posted: Thu Apr 17, 2008 3:46 pm Subject:
Latest Blog Post : http://needhelpwithbills1966.yesdebtfree.org |
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I am sorry about the loss of your job.(Mr. Jenkins, look out this could happen to you too  ) I agree with the other people you need to go to your bank and see if they will let you revoke your authorization for ACH transactions to your account. Then for the legal payday lenders only in your state, let them know about your situation and see if they will work out a payment plan. For the illegal payday lenders, contact your state and their state Attorney General office and the BBB. Good luck and God Bless.
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wssu91
Joined: 31 Mar 2008
Posts: 508
Debtcc Points: 2464
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Posted: Thu Apr 17, 2008 7:50 pm Subject:
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Nick, what?????
| Quote: | | isn't that fraud saying they didn't have auth to do the trans? |
Nick, do you know the whole story? This member revoked debit authorization - hello! I'm not going to get into some kind of arguement with you; however, you need to know the whole story. Sometimes it's not all posted in one thread. Sometimes it's done through pm's. Maybe you don't understand that. No one here is telling anyone to committ "fraud". So, please don't try to scare any of our members/guests here.
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cannr
Moderator
Joined: 07 Jun 2007
Posts: 9374
Debtcc Points: 124815
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Posted: Mon Apr 28, 2008 7:55 am Subject: close bank account
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Ok, help!!! I wasnt able to close the account because of the "pending transaction" so I got hit again!!!! Now, I contact the bank to put a hard debit block on the account and they say I cannot do that because I dont have any "unauthorized transactions". . . I am NOT a victim of fraud because I did actually do business with these guys. NOW WHAT?
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utlonghornfan
Joined: 08 Apr 2008
Posts: 54
Debtcc Points: 551
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Posted: Mon Apr 28, 2008 7:57 am Subject:
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you have the right to revoke any ach transactions. I wil; post something to bring to your bank.
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5461
Debtcc Points: 38903
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