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Ok, so, it's been 3 months since I've been with T&C. 2 months since I've dealt with these people. And they continue to haunt me!

I went to put gas in my car this morning before work...and my debit card was declined! I KNOW I had AT LEAST $50 in there last night, because I withdrew $20 at the ATM. So, I went into my bank account, and there was a debit on it for $63.95 to my OLD account that I had closed when I signed up with T&C. There was a strange debit on that account back in April for $60. So, I called the bank, and they said that had been debited out on 4/21 from DMS Marketing (aka PD6 Ventures, aka Express Cash)! Shocked

Well, they were the ONLY PDL I had that continued to refuse my consolidation with T&C, but eventually agreed about a month ago. I had no idea they took out that last $60 payment, because I thought my BoA account was closed. But it apparently wasn't...and that was not their fault really because the account DOES take 30 days to COMPLETELY close out. So, since the other PDL's were willing to work with T&C, they didn't try to debit it again...but DMS DID!

So, now my current checking account is overdrawn because, since that $60 was debited, and I didn't know about it, because I though the account was closed, I never paid the bank for that overdrawn amount. So, today, they debited from my good account, and now I'm overdrawn.

I don't get paid until the 31st. I don't what I'm going to do. I now have NEGATIVE money in my account. I could sell back some of my books for my classes I'm taking, but I need them for class. Maybe I can post like crazy for the next few days and get paid from here. I'm losing it today. I haven't felt stress like this in months. I just had to borrow $100 from my mom to pay my light bill before getting disconnected last week. And she's still recuperating from the heart attack, so I can't ask her for more money (that she doesn't really have)...she will only worry.

So, now I have paid DMS a total of $300 on a $200 loan, and all the letter in the world would not get them to agree to settle my account back in May, so I doubt it would work now. The crazier thing is that they kept claiming that I owed them...but the debited my account on 4/21, and the last emails with them I have are from 5/5! They were still claiming to have "not received my last payment" 2 weeks after they got it! AHHHHH!!!

I'm drowning...please help!

Posted: Fri Jul 21, 2006 7:29 am Subject:

Traci, sorry to hear this news. I don't understand how they can debit a closed account. If I had any points to donate to you I would but I just cashed mine in a week or so ago for vacation and we're not even going anywhere. Can you have T&C check with them to see why they are debiting your account still? Don't know if that will help, but it may be a start. Take care.

Posted: Fri Jul 21, 2006 7:40 am Subject:

They are not STILL debiting. I don't think I was clear about that. The account took 30 days to close. So, during that 30 days, actually a week after I closed it, they debited it. This was back in April. So, that old account did not completely close, because at that point it was overdrawn by $60 because of that debit on 4/21. So, my bank took the overdrawn amount of $60 from my new, good account in order to bring the old account to $0, so that it could be closed. I did not anticipate this debit, or I would have not been spending my money, so now my account is overdrawn.

I've figured out that I can make copies of one of my course textbooks, and sell it back, since it's a pretty thin book, and we're only using a few chapters from it. But I will probably only get about $30, and I need $78.

I'm just so stressed out...I can't even work!

Posted: Fri Jul 21, 2006 7:55 am Subject:

Sorry I misunderstood.

Posted: Fri Jul 21, 2006 8:03 am Subject:

yeah...that's ok...

I didn't explain it right. Don't worry about the points...maybe someone else can afford to be a little generous...

thanks sue

Posted: Fri Jul 21, 2006 12:09 pm Subject:

I am so sorry to hear about your situation, STL. I wish I had more to help you out there. Do not feel broke. Bad times don't stay for long. They are like separating clouds which will come and go away. We have to accept that part of life. Check your PM in a minute. I hope I can make you feel a bit better.

Posted: Fri Jul 21, 2006 12:20 pm Subject:

Thanks andy...

I know it will pass...it's just hard when you think things are going so well, then they turn...

I have to be positive, I know...I appreciate everything...thanks!

Posted: Fri Jul 21, 2006 1:47 pm Subject:

Hey Andy,
I never got a PM from you...but I did notice some extra points...was that you?

thanks a bunch...I do feel a little better.

Posted: Fri Jul 21, 2006 2:00 pm Subject:

Yes, I just sent some points from my account to you through PM. I am glad to see you smiling Smile

Posted: Fri Jul 21, 2006 2:01 pm Subject:

thanks.

Posted: Sat Jul 22, 2006 8:30 am Subject:

Hey I just wanted to thank you all...and if you have even 10 points to donate, I can use anything right now...I love you guys so much!

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DMS Marketing/PD6/Express Cash...ARGHHH!!

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