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 Posted: Mon Apr 21, 2008 12:46 pm Subject: STCAdvance
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Does anyone know if this company goes by a different name? I found a phone number, but when i call, nobody answers. I also did a search on the web, but no luck there either. Any help would be greatly appreciated!
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mooreba79
Joined: 28 Mar 2008
Posts: 32
Debtcc Points: 614
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Posted: Tue Apr 22, 2008 5:06 am Subject:
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This company is difficult to find anything on. Here is a thread where it is mentioned and alot of research was done to try to find out the address etc. Maybe this will help...
http://www.debtconsolidationcare.com/paydayloan/tennessee-pdls-3.html
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RoxyNY
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Joined: 03 Aug 2007
Posts: 4093
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Posted: Tue Apr 22, 2008 5:13 am Subject:
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Thank you so much! They took 3 different amounts out of my account which put me in the negative big time! I went to the bank and they were able to credit my account back. But unfortunately, ImpactCash (whom I sent a C&D letter to April 5) still took 74.00 out of my account and my bank told me I was basically SOL for that one because I originally authorized them to debit my account. I even showed my bank a copy of the letter I faxed, emailed and mailed a certified letter to! Not sure what to do about that one!
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mooreba79
Joined: 28 Mar 2008
Posts: 32
Debtcc Points: 614
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Posted: Tue Apr 22, 2008 5:25 am Subject:
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mooreba, You really should close your account. The only way to stop them from debiting is to remove their access to your money. If you can not close it right away, atleast put it on deposit only status or have the bank put a hard debit block on it. Here is some information that may help you with that
http://www.debtconsolidationcare.com/paydayloan/close-account.html
If you have already discussed this with someone else on the fourm I apologize. I just hate to see the pdls take advantage of people. You do have the right to revoke their authorization to debit but many times the banks are not too helpful.
Here is some other information...
| Quote: | You have the right to revoke ALL ach debits from your account.
Per the Electronic Funds Transfer Act:
Quote:
§ 205.10 Preauthorized transfers.
(a) Preauthorized transfers to consumer's account--(1) Notice by financial institution. When a person initiates preauthorized electronic fund transfers to a consumer's account at least once every 60 days, the account-holding financial institution shall provide notice to the consumer by:
(i) Positive notice. Providing oral or written notice of the transfer within two business days after the transfer occurs; or
(ii) Negative notice. Providing oral or written notice, within two business days after the date on which the transfer was scheduled to occur, that the transfer did not occur; or
(iii) Readily-available telephone line. Providing a readily available telephone line that the consumer may call to determine whether the transfer occurred and disclosing the telephone number on the initial disclosure of account terms and on each periodic statement.
{{10-30-98 p.7369}}
(2) Notice by payor. A financial institution need not provide notice of a transfer if the payor gives the consumer positive notice that the transfer has been initiated.
(3) Crediting. A financial institution that receives a preauthorized transfer of the type described in paragraph (a)(1) of this section shall credit the amount of the transfer as of the date the funds for the transfer are received.
(b) Written authorization for preauthorized transfers from consumer's account. Preauthorized electronic fund transfers from a consumer's account may be authorized only by a writing signed or similarly authenticated by the consumer. The person that obtains the authorization shall provide a copy to the consumer.
(c) Consumer's right to stop payment--(1) Notice. A consumer may stop payment of a preauthorized electronic fund transfer from the consumer's account by notifying the financial institution orally or in writing at least three business days before the scheduled date of the transfer.
(2) Written confirmation. The financial institution may require the consumer to give written confirmation of a stop-payment order within 14 days of an oral notification. An institution that requires written confirmation shall inform the consumer of the requirement and provide the address where confirmation must be sent when the consumer gives the oral notification. An oral stop-payment order ceases to be binding after 14 days if the consumer fails to provide the required written confirmation.
(d) Notice of transfers varying in amount--(1) Notice. When a preauthorized electronic fund transfer from the consumer's accounts will vary in amount from the previous transfer under the same authorization or from the preauthorized amount, the designated payee or the financial institution shall send the consumer written notice of the amount and date of the transfer at least 10 days before the scheduled date of transfer.
(2) Range. The designated payee or the institution shall inform the consumer of the right to receive notice of all varying transfers, but may give the consumer the option of receiving notice only when a transfer falls outside a specified range of amounts or only when a transfer differs from the most recent transfer by more than an agreed-upon amount.
(e) Compulsory use--(1) Credit. No financial institution or other person may condition an extension of credit to a consumer on the consumer's repayment by preauthorized electronic fund transfers, except for credit extended under an overdraft credit plan or extended to maintain a specified minimum balance in the consumer's account.
(2) Employment or government benefit. No financial institution or other person may require a consumer to establish an account for receipt of electronic fund transfers with a particular institution as a condition of employment or receipt of a government benefit.
[Codified to 12 C.F.R. § 205.10]
[Section 205.10 added at 44 Fed. Reg. 59471, October 15, 1979; amended at 45 Fed. Reg. 8265, February 6, 1980, effective May 10, 1980; 61 Fed. Reg. 19672, May 2, 1996]
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_________________
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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RoxyNY
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Joined: 03 Aug 2007
Posts: 4093
Debtcc Points: 11661
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Posted: Tue Apr 22, 2008 5:35 am Subject:
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Thanks so much for that information!!!
Unfortunately I cant close my account yet because I have some debits that are still pending to come through. Im in the process though of opening an account with a new bank to start over completely! It seems as though that is my only option. My current account is currently in the negative because of impact cash taking money out when even after the C&D letter went out. I cant put stop payments because those cost money, and since my account is in the negative, i cant pay to do it. Im stuck at the moment.
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mooreba79
Joined: 28 Mar 2008
Posts: 32
Debtcc Points: 614
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Posted: Tue Apr 22, 2008 7:54 am Subject:
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Do not waste your money with the stop payments, they do not work for long. They will come back and debit under another name and often times will send a paper check through. You are on the right track. Hang in there.
_________________
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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RoxyNY
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Joined: 03 Aug 2007
Posts: 4093
Debtcc Points: 11661
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Posted: Tue Apr 22, 2008 9:48 am Subject:
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Maybe that is what the stcadvance was, one of the companies under another name and that is why there were so many strange amounts coming out. I hate these companies!
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mooreba79
Joined: 28 Mar 2008
Posts: 32
Debtcc Points: 614
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Posted: Tue Jun 10, 2008 6:28 am Subject: payment
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I need to speak to someone about my account.
Please forward a telephone to me or give me a call on ***-*******.
Thanks
Sylvia Spruell
*personal details removed as per rules - Jason
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Sylvia Spruell
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Debtcc Points: 100
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Posted: Mon Jul 14, 2008 5:32 am Subject: STCAdvance.com
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Try 210-892-2613, I spoke w/someone from STC on July 11. They called me back after my husband threatened them with a lawyer, Attorney General and Federal Trade Comm.
This phone number has something to do with their bank. I never called it because we got everything straighten out on the phone. Good Luck
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Bronsonsmom
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Debtcc Points: 100
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Posted: Tue Jul 29, 2008 10:06 am Subject: WOW Bronsonsmom!
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I called that same number 210-892-2613. I got the VM several times. Today, I called and FINALLY spoke with someone. Although she was pleasant, she wasnt helpful. She had the same phn nbrs I had and that nothing more to offer.
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WendiSR
Joined: 29 Jul 2008
Posts: 1
Debtcc Points: 9
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Posted: Tue Jul 29, 2008 10:24 am Subject:
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I have also been dealing with them through their customer service system.
All they will say NO matter what you threaten, is that I am bound by their contract and that they will do everything to collect.
They claim that they do not fall under the laws of the US. I informed them that I do not fall under the laws of Malta. All they responded was to "read your contract".
I will just keep an eye on my new account and see if anything unusual comes up. My bank is well aware of the situation.
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julie_1972
Joined: 25 Jun 2008
Posts: 40
Debtcc Points: 591
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