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 Posted: Sun May 11, 2008 6:17 pm Subject:
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You're right on there, Shazz. I'm just getting rid of the myth that these guys talk to each other. Sorry to come off testy. People need to keep in mind just how much someone can do with a phone call having ALL of your personal info.
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james
Joined: 16 Apr 2008
Posts: 114
Debtcc Points: 1408
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Shazzers
Moderator
Joined: 05 Dec 2007
Posts: 3677
Debtcc Points: 24369
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Posted: Sun May 11, 2008 6:24 pm Subject:
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I will..no harm meant. You're still the best!
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james
Joined: 16 Apr 2008
Posts: 114
Debtcc Points: 1408
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Posted: Sun May 11, 2008 6:25 pm Subject:
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Oh Shazz. . .isn't everyone nice to you?
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llw1995
Joined: 02 Feb 2008
Posts: 1405
Debtcc Points: 13578
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Shazzers
Moderator
Joined: 05 Dec 2007
Posts: 3677
Debtcc Points: 24369
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Posted: Sun May 11, 2008 6:30 pm Subject:
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Honestly, I thought I was picking on someone else. Sometimes this whole forum thing still gets me. I try to keep my hostility to when I'm a "guest" and someone really deserves it. Sorry...just being honest
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james
Joined: 16 Apr 2008
Posts: 114
Debtcc Points: 1408
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Posted: Sun May 11, 2008 6:36 pm Subject:
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Well James, as I always say, when someone is picking on me, they are giving someone else a rest! And Shazzers, I was just teasing. It feels good to do something fun on here once in a while. With all the seriousness of the situation sometimes we need to just kick back!
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llw1995
Joined: 02 Feb 2008
Posts: 1405
Debtcc Points: 13578
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Posted: Sun May 11, 2008 6:37 pm Subject:
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Thank you James! I would fight them tooth and nail and get someone charged with fraud and sue the heck out of someone.... 
_________________
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Jon1972
Guest
Debtcc Points: 100
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Shazzers
Moderator
Joined: 05 Dec 2007
Posts: 3677
Debtcc Points: 24369
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Posted: Sun May 11, 2008 6:47 pm Subject:
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Here's the NACHA interpretation proving that it is absolutely illegal.
SUBSECTION 2.12.2 Source Documents
For a POP entry, a check or sharedraft provided by the Receiver at the point-of-purchase must be used by the Originator as a source document for the Receiver’s routing number, account number, and check serial number. The source document must be voided by the Originator and returned to the Receiver at the point-of-purchase. Only a check or sharedraft that (1) contains a pre-printed serial number, (2) does not contain an Auxiliary On-Us Field in the MICR line, and (3) is in an amount of $25,000 or less may be used as a source document for a POP transaction.
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james
Joined: 16 Apr 2008
Posts: 114
Debtcc Points: 1408
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Posted: Sun May 11, 2008 6:50 pm Subject:
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What this says, simply, is that an ACH Contract must specify a routing number and account number. There are serious penalties for violating these. Can be found on the NACHA site.
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james
Joined: 16 Apr 2008
Posts: 114
Debtcc Points: 1408
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Posted: Sun May 11, 2008 8:18 pm Subject: pdl
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I agree with this. If you do default with a PDL, they can try and 'catch' it by giving you another 'opportunity' to sign up with a ANOTHER PDL ad, on the Web ( of course, it's the SAME one, but you don't know it at the time). When you 'successfully' sign up, with the OTHER one, that's where they 'got ya.' A scary system....isn't it? Even if you change banks, NOT just accounts ( at the SAME bank) a PDL company can find out.
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sdchargers_63
Joined: 08 Aug 2007
Posts: 883
Debtcc Points: 9709
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Posted: Mon May 12, 2008 5:24 am Subject:
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| Quote: | | Just FYI, a Universal Authorization is illegal. In fact, it's illegal to even debit the same account for either the wrong date or wrong amount. You guys are giving out some seriously wrong advice. I can write in a contract that I can knock you over the head whenever I feel like it...that doesn't make it legal. Jon 1972 is right. |
james-this has happened to some of our very own members here....new accounts debited.
If its illegal, then why are the banks honoring them?
| Quote: | Sometimes this whole forum thing still gets me.
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What do you mean by that comment?
| Quote: | | I'm a "guest" and someone really deserves it. |
Guess we know who our mystery guest has been....why not just post as yourself?
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volleyballmom
Debt Samaritan
Joined: 27 Aug 2007
Posts: 4178
Debtcc Points: 24893
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Posted: Mon May 12, 2008 5:43 am Subject:
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James, we all yry to be nice to each other here. If you feel that "some one deserves it" who gave you the right to decide that. Also if you have a beef with someone pm them or better keep it to your self. If you have good info shrae if you want to start trouble stay away.
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5463
Debtcc Points: 38903
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Posted: Mon May 12, 2008 5:52 am Subject:
Latest Blog Post : http://needhelpwithbills1966.yesdebtfree.org |
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Thanks for the information. I was sharing with the guest what happen to me when I had my letter in hand revoking any debits from my account from a payday lender.
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wssu91
Joined: 31 Mar 2008
Posts: 280
Debtcc Points: 1663
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