Restricted bank account!
Date: Sat, 09/19/2009 - 15:58
I went to my bank today (Chase) I asked the manager if a hard block/deposit only can be put on my account... he stated that they don't have such thing... he stated that he can will but a restriction on my account... meaning that it will be open for 30 days and after the 30 my account will be closed! He stated that if something goes through it will be returned!
My question is: will this stop all of my payday loans checks/ach debits from going through ? ? ? I just defaulted on all of my loans today, I decided to file for bankruptcy at the end of November... I just can't afford to pay this companies (i don't know how I got myself involved in this mess, I'm so depressed).
I lived in Ohio and all of my lenders are legal!
Thank you for your answers!
My question is: will this stop all of my payday loans checks/ach debits from going through ? ? ? I just defaulted on all of my loans today, I decided to file for bankruptcy at the end of November... I just can't afford to pay this companies (i don't know how I got myself involved in this mess, I'm so depressed).
I lived in Ohio and all of my lenders are legal!
Thank you for your answers!
Quote:Originally Posted by AnonymousI went to my bank today (Cha
Quote:
Originally Posted by Anonymous I went to my bank today (Chase) I asked the manager if a hard block/deposit only can be put on my account... he stated that they don't have such thing... he stated that he can will but a restriction on my account... meaning that it will be open for 30 days and after the 30 my account will be closed! He stated that if something goes through it will be returned! My question is: will this stop all of my payday loans checks/ach debits from going through ? ? ? I just defaulted on all of my loans today, I decided to file for bankruptcy at the end of November... I just can't afford to pay this companies (i don't know how I got myself involved in this mess, I'm so depressed). I lived in Ohio and all of my lenders are legal! Thank you for your answers! |
If all your lenders are legal then write them all a letter and revoke their rights to debit your account for any reason, per the EFTA law. Send it certified return receipt requested, take a copy to the bank and show it to the branch manager. You might also want to place a stop payment on those checks also.
do you have an example of that letter ? do I sent it to the corp
do you have an example of that letter ? do I sent it to the corporate office or to the place where I got the loans ?
Quote:Originally Posted by Anonymousdo you have an example of th
Quote:
Originally Posted by Anonymous do you have an example of that letter ? do I sent it to the corporate office or to the place where I got the loans ? |
Date:
Your Name
Your Address, State
Account #
To Who It May Concern:
I hereby revoke any and all authorization I gave Company __________ to debit in any way any account I may have, per the electronic funds transfer act (EFTA), regulation E.
Signed
It might not hurt to send it the corporate office and the locati
It might not hurt to send it the corporate office and the location where you got the loan. Reason I say this is because when I was dealing with a legal store front, I was getting calls from the corporate office and the actual location I got the loan. They apparently didn't communicate with each other well. I sent a letter revoking my authorization to the store location and the corporate office was not aware of it.
