Just got off the phone with T&C
Date: Mon, 03/27/2006 - 06:51
Yeah!
She totalled my balances, and it was shocking. I owe $3,350 to these people! Also, she did not tell me to close my checking account. Said it was totally up to me if I wanted to to do that.
So that's it...Will keep ya posted.
I can almost breath!
hey were you consolidating your payday loans? if so then you mig
hey were you consolidating your payday loans? if so then you might want to close your checkings accound down because they will still try and hit your account. let me know if you need any help in doing this. i had to go through the same process.
Close your checking account asap. They will hit your account ev
Close your checking account asap. They will hit your account even though they are receving payments through consolidation.
I would for sure close the account they were set up to debit, be
I would for sure close the account they were set up to debit, because they will probably keep trying no matter what. I found out the hard way and had many many NSF fees to take care of. Then I found this site!
Thanks,
Heather
Can I still close it with a negative balance? I have bounces an
Can I still close it with a negative balance? I have bounces and a negative balance of about $150. I'm so nervous over this!
I believe that you can't close it, but you can freeze the accoun
I believe that you can't close it, but you can freeze the account so that nothing else is taken out. Talk to your local branch manager, and explain the situation. I'm sure they will help you.
~Mary
Should I tell them the absolute truth!? I already have had my ch
Should I tell them the absolute truth!? I already have had my checkcard cancelled this week due to all the withdrawals and then the NSF's?
You might as well be honest with them. They have heard it all!
You might as well be honest with them. They have heard it all! Being honest will probably help you in this situation. Just explain to them that you are trying to make everything right and that you are working hard to bring the account back to a positive status.
~Mary
I certainly want to be. But sure don't know if they need to know
I certainly want to be. But sure don't know if they need to know everything. Will do that and thank you!
Sure thing, keep us posted. We are here to help! ~Mary
Sure thing, keep us posted. We are here to help!
~Mary
I would just get the balance to zero and then close the account.
I would just get the balance to zero and then close the account. I know it can be rather embarrassing, but I would tell them that you are trying to payoff these debts, but the companies want to keep debiting even though you are making other payment arrangements.
Hopefully they will understand. Good Luck!
I don't get paid again til the 6th of april, so hopefully they'l
I don't get paid again til the 6th of april, so hopefully they'll freeze it for me. I've talked with them before when I was overdrawn about a month ago, it was almost $500.
I had to borrow from 2 more payday lenders online to cover it....thus the snowballing!!!
You are not alone, this has happened to many people here. Hopef
You are not alone, this has happened to many people here. Hopefully your bank will work with you to help you out of this situation. You can do it! :)
~Mary
I'm dialling the phone now... I can't tell you what this means
I'm dialling the phone now...
I can't tell you what this means to get these problems off my chest.
There isn't anyone else I can tell this embarrassing story to! It's not funny, but hopefully someday when it's over it will be story to share!
Oh believe me, we have all been there. When each of us found th
Oh believe me, we have all been there. When each of us found this website, we were all lost and scared! Now we are empowered. It rocks!!
~Mary
This forum has helped me alot. It was a godsend to find this si
This forum has helped me alot. It was a godsend to find this site. People are here to help people and we all appreciate the advice.
And it's important to mention that there are other credit forums
And it's important to mention that there are other credit forums out there, but many of them are so mean to new people (trust me, I have experienced this first hand). Here, everybody is so helpful.
~Mary
I agree! I was so stressed and then I found this site. I final
I agree! I was so stressed and then I found this site. I finally see a light at the end of the tunnel.
Keep us posted!
I have to admit I was having not exactly good thoughts about whe
I have to admit I was having not exactly good thoughts about where my life was going until I came across this site last night!
You all have literally saved it!
That's what we are all here for - helping eachother through the
That's what we are all here for - helping eachother through the hard times and celebrating small victories (which you have some coming, trust me!). Everything works out in the end. We all work together to help eachother, that is the spirit of this forum!
~Mary
Just talked with the branch manager at the bank, and suprisingly
Just talked with the branch manager at the bank, and suprisingly she was very understanding. She said she can't close my account with an outstanding balance, but if I go in and freeze the account that should take care of it until I can deposit funds to make a zero balance.
I do feel empowered by taking control
of this situation!
I am so glad to hear your bank was understanding. You have take
I am so glad to hear your bank was understanding. You have taken the first step to digging yourself out. Keep us posted! Let us know if you have any other questions. This site is a great source of information.