Well I messed up, EPP Default

bummer,but as you stated.that loan is paid.now if your landlord can hold the check you should be okay.i hear you about the pdl's.a lot of us if not all of us here wish we never took or heard of pdl's.chin up,things will work out.

Things always seem to work out in the end. Stay focused, you can do this. When the smoke clears you will feel relief that this loan is over and done with. Getting down on yourself will not help anything what is done is done. Sometimes things happen for a reason and we cannot change what is meant to be. Just remember you are not alone we have all been there and I am still working on mine taking one step at a time.

They will send you a check or MO for the amount that you already paid. I am 99.9% sure on that. You need to speak to the manager to determine when they will mail it or if you can go to the store and pick it up to get it into your account quicker.

Thanks guys. I do feel a little better now I just got down for a couple hours.

I still have to call my landlord which I don't look forward to doing. I have been behind before and I just got back on track and was making my full rent payments and now this. Oh well. He understood before so hopefully he will now.

I contacted the store and I was told I had to contact corporate. I contacted them and I had to fax in a copy of my statement from online showing that it had cleared.

They are going to deposit my refund directly back to my account. I will still be in the negative but it is probably a good they do it that way so I don't even have my hands on the cash and can not talk myself into not depositing it all back in the bank. At least it was easy and I should see the money in there later today or first thing in the morning.

Edit: I must have been posting while you were posting PDL owner. They are depositing the refund directly to my checking account.

Well I called my landlord and he was nice about. Whew I feel better. A little set back but I at least it is going to work out.

Thats great, I've had to do the same thing once or twice so I know how you feel :D

I am glad that your landlord was cool about things. This will work out in the end.

Well my refund was not in my bank this morning like I expected it to be. If he had refunded it yesterday it would show it in there today.

The guy at the corporate asked me to fax over my statement showing that the amount had cleared which I did. Then he called me again stating he needed another statement from that day showing it cleared. I tried to explain that I have overdraft protection. That even though my account is now in the negative that he can see that they got their money, my bank paid it, and now I owe the bank. My statement is going to remain the same, in the negative, everyday until I get paid next week.

I told him twice and he was still not convinced. He said that he has seen the bank turn around and void the transaction back out after they have refunded monies. I tried to explain that is not how overdraft protection works. The bank would not have paid it. It would have just bounced. (Boy I wish that was the case) I mean the statement shows the $575 taken out and the $30 NSF fee right on it.

I told him they got their money. I then faxed him a copy of the front and back of the check. I never heard from him again but my money is not there today.

Now I am worried that they are not going to refund the $287.50 that I paid because the idiot does not understand overdraft protection or can't do math or both. Even with the refund I am still in the hole over $90.

Hopefully it will show up sometime today. If not I am going to call him and ask what is going on.

This was all stressful enough, now I have to worry about getting my refund :(

I would do a three way with the bank and have them explain it to him. They can also verify the funds cleared your account. Just a thought.

I didn't think about that. I can do that at work as I have conference calling. Now if I can just remember how to use it...lol

I am going to wait until about noon. If I don't see the money in there I am going to call back "Jim".

Thanks

Wait until your banks system "batches" around 2 pm

OMG I just checked my bank again and you will not believe what "Jim" did.

He placed the entire $575 back in the account instead of just the $287.50 that I was due as a refund for the amount I already paid towards my EPP. :shock:

My account is going to be messed even more when he realizes what he has done and takes the money out again and I am socked for another $30 NSF fee.

Now I have to call him and get this straighten out but I will demand that they cover the next $30 NSF fee that I will be charged. In reality he should now just take out $287.50 minus the $30 so I will tell him to withdrawl $257.50 and that makes it even.

You would think that people that handle corporate monies are capable of math. He really must not of understood the overdraft protection.

Geez what a nightmare. Uggg :?

Edit: I have such a mind not to call at all but I know it will bite me later but the little devil in me says to do it anyway...lol :twisted:

I won't of course.

They have devil in them lol

Can you believe that I have called this guy three times today and no call back. I left a message each time stating that there was an issue with my refund that was deposited yesterday and he won't return my calls.

Even when you want to make things right they won't work with you.

I have a feeling he realized his error and is going to withdrawl all the money again tomorrow which will tack on another $30 fee. He won't talk to me because He probably knows I am going to demand the $30.

:x I am trying to give money back.

Edit: Now that I think about it can he even take the money back? The withdrawl was using a check I wrote. Can he legally take the money back out? Can he deposit the check twice? He would have to do a ACH withdrawl which I don't think they have the authorization to do.

Lets hope he can count and do the math. He may think you are calling because the refund did not post and he is avoiding you because of that. Every bank is different so maybe he thinks it will post by tomorrow so he will avoid you today.

Well I called the bank and this is rich. They can not post the original check again and they can not do an ACH withdrawl. They can put money in but they can't take it out.

I am sure "Jim" will be calling me again when he finds his mistake. Of course the loan is on the 2008 books. I wonder how long it will take to find???

Oh my :twisted:

I just can't believe it.

Well hopefully his mistake put your bank account back in the black!!!! I would wait for them to contact you.

I would call the company back and confirm with them what the status of your account is. Maybe you will get lucky and they will say the account is closed and paid in full.

I am back in black. :P

I am going to wait. I have called him three times. I am sure, as you stated, he thinks I am complaining the refund is not there rather than it was to much.

Oh well. I can't beg them to take it back right? LOL

Quote:

I sent an email to them via their website just for shits and giggles, here is their response...

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This is too funny! Good for you!! Maybe you can get other things taken care of now.

There loss is your gain. I always advocate doing the right thing but in this case you tried numerous times to be straight forward with them. Let them figure it out, in the mean time you are back in the banks good graces with no red ink.

Yeah. I am sure they will find it in the end but in the mean time I am okay with my bank. At least for a week anyway...lol

I am eager to know what happens with this... i think you deserve the $575!!!

Acutally it is only 287.50. I paid half of the EPP.

Every penny helps when you are in this mess. I would tuck that $287.50 away for a rainey day. (or should I say snowy)

Yeah Snowy. It has been pouring snow here in Ohio. I have some Potato Soup in the crock and some fresh bread rising for tonight. It is going to be a long cold night.

Yum that sounds good, I will be right over. hahahahaha

Same here, its already started and we can expect 6 to 10 inches. I'm going to make some popcorn and finish the last book in the twilight series...

You guys better get your shovels ready!!!!! No snow here in Sunny AZ!!!!

I learned my lesson, this time I'll wait for the snow to finish before I bother shoveling...

uh oh you sound like an experienced snow person lol

Yes, unfortunately...I live in New England so we get all kinds of snow from Nov through April...I'm usually tired of it by the 2nd or 3rd storm...