Also, drowning, I'm pretty sure most banks have a cut-off point where they'll freeze your account. Mine was $610 when they finally froze it. Youres should be close. Maybe you can ask you bank about that. Good luck.

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Sam62,

I'm glad you're being so supportive of your friend. It's really hard when you're trying to do this on your own. I'm sure she appreciates all your help. Good luck to both of you.

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I think banks will eventually close an account after so many days of being overdrawn, of course they charge a daily fee for being overdrawn, something like $5/day before they close out the account, which, correct somebody if I am wrong, is around 30 days, you don't want them to lose out on the extra $150 they can make. This is a fee I don't understand, if the account is already overdrawn for 30 days, the person is obviously struggling financially, so they add more on to the struggle.

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The bank will close your account after 30 days with being overdrawn, unless you bring it back to positive within the 30 days. If you are eligible for the repayment plan, they will just freeze it until you are positive, then reactivate it...

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Hi all,

Well my friend Linda went to her bank and told them what the crooks at GFSIL said about using her SS# to debit her new account. They said no way. They only had access to the old account and if they tried anything against the law the bank will press charges. Linda said if she could afford it she would hope they would. She also faxed them the California PDL laws and her request for validation again today, 20 times. She is going to do that every day until Thanksgiving. She also said Happy Thanksgiving to all of you for your support for her and me.

This site has given us all one more thing to be thankful for.

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I too have had an ongoing mess with GFSIL. I can tell you a few things that I have notice though that may help.

At first I was very afraid of the threats to talk to my supervisor, etc. I have learned though that you just have to play their little game. I defaulted on a $200 loan with them after paying them over $600 on October 6. As of today all they do is call about once a day to harass me. Here are a few things I have been able to figure out with these idiots.

1. They will threaten to contact your supervisor- To date they have not. I was actually very smart and didn't list my supervisor on the application, but a friend that works with me.

2. These fools do not care if you contact the AG's office or BBB. I did so over a month ago along with 3 cease and desist letters and they do not care.

3. I like to just continuously call them asking for my refund. This really aggrivates them.

4. If you just keep telling them you can't understand them they will hang up on you.

5. Just keep telling them no. That is really all I have been doing. Are you going to pay this? No. Do you have a new bank acccount? No. What are you going to do about this debt? my best answer:I think the question is what are you going to do about it?

Anyway, they are by far the craziest one I have dealt with. Just stand your ground with them and do not send them any more money!!!

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SAM62, I'm glad Linda's bank is being so helpful. It's a real plus to have a bank that will cooperate with you. Also, I hope you and Linda both had a nice Thanksgiving. You both deserve it. Linda, it's great that you keep bugging them. Many people have found that they give up when people bombard them with e-mails, faxes, etc.

Greenrhino, it sounds like you figured out how to get under their skin. Good for you!

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I had dealings with GFSIL myself. They are awful. They violate every part of the fdcpa and they don't care because most of the people who take out these loans aren't very educated in credit laws. I don't know why I was suckered into taking this loan out. When I noticed these idiots taking money every two weeks I freaked out and contacted my bank to put a STOP PAYMENT on all their attempts to take out money.

These idiots harassed me for weeks. The same person calling each and every time. I caught onto his scheme the first day when he asked me if I was going to pay on Friday. I told him "why would I pay since I've already paid off the loan". He "informed me" that I had not. I then told him "Yes I did" and gave him a detailed explanation of all the payments that came out of my account and then sited Illinois' New Payday reform act where it's unlawful to charge more that $15.00 for every $100.00 loaned. I informed him that I had paid well over $600 and was owed a refund and I would like that in the form of a USPS money order. He got iffy with me. I got flustered and told him that I couldn't receive personal phone calls at work and if he kept calling I would lose my job. Eric (that was his name) told me he didn't care.

He continued to call and each and every time he was trying to get me to say YES on the phone.

"Are you going to pay today" NO.
"When are you going to pay" Never, I already paid.

"No, you didn't." Then send me an an itemized statement of account. "We don't do that". If we go to court the judge isn't going to accept that as an answer. "This doesn't have to go to court". If you keep harassing me it will.

"I want to talk to your supervisor". You're talking to her.

"Are you going to pay today" NO.

"We will garnish your wages." No, I sent in a wage assignment revocation Nov 1 and notified my HR department, that won't be happening.

"Can we call you at home". No.

"We will call your family". So, I hate them all anyway.

I contacted the Fair Trade Commission, Attorney General's Office and the BBB. I sent in a wage assignment revocation AND a 3 cease and desist letters. I then had my attorney draw up a letter requesting an itemized statement of account. I received ONE call from their legal department (or so they said) around the first of December and requested an itemized statement of account and haven't heard from them since.

Don't get caught up in their game. Say NO and request an itemized statement of account. Make sure when you send your letters you include that because IF it does go to court and you have requested debt validation and they never sent you your statement YOU might just win.

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