Nervous as hell

Take a deep breath, alot of us have been in this situation. If you look around this board, I believe there is a bank called "Heritage Bank" that does not use Chexsystems and you can google banks that don't use Chexsystems. Tell the bank where you have your mortgage you had fraud on your account and have to put your bank as deposit only. Open a new one with one of the new banks and put your deposit in there. Hope I helped some. Good luck. Keep us posted.

Hi Again: I think I gave you a wrong bank "Heritage" Disregard: Try, PNC, Peoplescashsolutions.com .

Well my mortgage has told me it cannot be an online bank they draw from, it has to have a physical address where I am located - I am sooo screwed no one has debited yet but I have a feeling the wrath is coming

What state do you live in? There are a lot of banks who have "second chance" accounts.

They used to offer these. You might want to check with them.

NY - HOw the hell did I get on checksys is the question. I have had one bank account for 15 yrs. or longer, have not defaulted or written any bad checks WTF I got myself in this damn payday hell and it's getting worse by the minute. If it wasn't for my mortgage I would close the damn acct. but when the bank went to switch checking acct #'s they said I was in checksys and that they couldn't open a new one so I had to leave my old one alone - time to stop direct deposit huh?

Probably because of the payday loans. Many of them, once you default, will report to you Chexsys. You can dispute it, since you didn't actually write a check to begin with.

Well then I have a question, I have sent the C&D letters, wage assignment revocation and have heard nothing from anyone. Unitedcashloans was to debit 9/15 and didn't, ameriloan is due to debit 9/24 and ezpaydaycash 9/30 - what happens next? I know they won't disappear but I don't know what comes next

You'll hear from them. Some give in easily and send you a letter stating "although we disagree, we will mark your account PIF." Some will argue with you and you simply have to tell them over and over that you know your state's law prevails. If they're not hitting your account, you're lucky. You should also get a Chexsystems report and dispute anything that's on there due to these PDLs. If you didn't write an actual check, I don't think they can legally put you in the system. Just keep in communication with your bank as well. Let them know that these people are illegal lenders and they use shady tactics. They usually try to send a paper check if the ACHs don't go through. They also try debiting different amounts and use different names. Keep a close eye on your account.

Thank You!! I have tried to keep a minimum amount in my bank account but another question if I borrowed say 400 and paid back 895.00 they owe me 495.00 but since they haven't debited do you think when they try they will debit 400 or say 575 cause the fee is 575 or if they waited months then like thousands? I;m trying to get ahead of this but not being able to close my account really sucks!!!

Likely the $575 but, it could be 3 debits that equal that amount (e.g. 2 for $200 and 1 for $175). You never know what the slimeballs will do. Do you have a savings account? Could you close your checking and just work from your savings account instead?

I do have a majority of my money in the savings but at this point I only owe them (legally I don't) 400.00 because I have already paid them 895 so I didn't want to go months and then have them debit my account say 1000.00 - I swear if theses poeple don't answer my emails I have sent them 4 times in the last 2 weeks

I was just curious because I thought it might solve your problem to have your mortgage payment taken out of your savings account and also have your direct deposit switched there. Then you could close the checking account.

They say that you can't direct debit out of a savings account I tried that too :(