Help with overdrawn account

Yes, there are others out there that have had a bank account charged off. I, myself, had one b/c of PDL's. Mine was with BOA and they are really nice about me paying payments of $25 month to get it cleared up. Have you contacted the bank to see if they will accept mthly payments??

Hi Joy, welcome to the forum. I know just how you feel! My bank would not help me either, so after being overdrawn to the tune of 2000.00+ due to pdls, and I don't have the money to pay it back. I went for over a month without having any money for bills. I even lost my Christmas bonus to an overdrawn account. I finally ask my employer for a paper check and opened another account. At this point, I am filing for b/k and my attorney said that this should take care of the bank. The banks' reply to me was it was my fault - I gave my account number out. Hang around and listen to what is said here and you will be ok. YOU ARE NOT ALONE! Things will get better - that I know just from what I have learned from everyone here.

Thanks! I contacted my bank and they said it wasn't a bank error so they wouldn't help! they said some people qualify for payment plans but I don't, I asked why and the girl said she didn't know why! I opened a new account at a differnt bank when I put the freeze on my old account so i guess I'll just make payments on my own and hope they don't send it to collections.

Be careful with your new account. Don't leave all your money in it. Most of the big banks do chexsystems sweeps on new account for the first 3 month to 1 year. If your bank with the overdrawn account reports you to chexsystems, and they probably will, and the new bank runs a sweep, they could freeze your new account and then close it without allowing you any access to your money for 2 to 6 weeks! It all depends on the bank, but it could happen and it really sucks when you have all your money in there and they won't let you access any of it.

goudah2424
Thank you thank you for saying that, much appreciated
anyway how do u cash out ur points?

i believe you PM vikas or Mike and they will send you either a check or paypal you the money. If you look in the Pub board, there is more info on it.