BoA makes its own rules
Date: Wed, 12/16/2009 - 13:34
[SIZE=3]PO Box 15184[/SIZE]
[SIZE=3]Wilmington, DE 19850-5184[/SIZE]
Re: attached letter, Account number 00000000XXXXXX Dated Nov 24,2009
[SIZE=3]Dear Bank of America:[/SIZE]
[SIZE=3]Recently I received the attached letter addressed to XYZ, LLC. In this letter you plainly state that you have debited the account ending in ))) an amount of $807.71.[/SIZE]
[SIZE=3]I suppose it escaped you observation that the Account ending in ))) in a joint personnel account in the names of D Duck and mrs D Duck [/SIZE]
[SIZE=3]XYZ is an LLC I the State of NJ EIN# 00-00000.[/SIZE]
[SIZE=3]Mr and Mrs Duck are not XYZ company.[/SIZE]
[SIZE=3]I expect this was an oversight and or mistake on the part of Bank of America and that now that I have pointed out this mistake that the funds will be credited to the account ending in ))) immediately.[/SIZE]
[SIZE=3]If by some chance you feel you have some legal right, although I do net recognize any such right at this time, then I request that you forward to me at the above address any and all documentation attaching any responsibility between XYZ LLC and Mr. & Mrs Duck.[/SIZE]
[SIZE=3]Please fax a receipt to me at &&&-&&&-&&&& showing the credit in the amount of $807.71 immediately.[/SIZE]
[SIZE=3]Please be advised that failure to credit the account as requested will force me to file a complaint with the Commissioner of Banking and Insurance, the Superior Court of NJ Ocean County, and the FTC.[/SIZE]
[SIZE=3]Thank you in advance for your swift cooperation,[/SIZE]
Okay, it could be a continuation of an earlier post of yours but
Okay, it could be a continuation of an earlier post of yours but since I can't refer to that I'm finding it difficult to connect.
-Is this a business debt?
-Does this debt appear in your credit report?
-Have you guaranteed this debt and provided you SSN in the paperwork?
I guess these factors would somewhat make you responsible for the debt even when it is incurred by the business.
SC, there was not earlier post explaining the letter. The sh
SC,
there was not earlier post explaining the letter.
The short story.
The debt is a business cc for an LLC.
No it does not show up on the credit reposts for me
To the best of my knowledge I did not sign a personel guarantee for this (we shjall see what they come up with)
I would think, at the very least, if they thought I had a personel connection or guarantee that they would write me directly rather then sending a letter to the business to notify that they took money or were planning to form a checking account.
Bill
Some business cards are what is called "personally guaranteed".
Some business cards are what is called "personally guaranteed". it may note this on the Credit report.
I Know this because I have a Cap one business card, it is my business a=name BUT on my CC report, it notes it as "Personally guaranteed" whihc means YES they can debit my personal funds or sue me in court for it.The LLC may not protect you.Your sig on the original Application is all they need.