PRA took money out of my checking account!
Date: Sat, 09/27/2008 - 18:58
In their last letter. they threathened to sue. I responded by letting them know that I knew this debt was past the SOL so it would be a waste of time for them.
Yesterday, they debitted out $3K from my checking account!!!! I never gave them permission. I didnt even know they had my checking info! I never gave it to them!! What should I do??? I already had checks bounce because of this too! I have like $100 in "insufficient fund" fees too! Can I get these back??? Help!!!
Did they have a judgement against you?? Talk to your bank. F
Did they have a judgement against you??
Talk to your bank. Find out on what authority (if any) they removed the funds.
Dispute the charges with your bank as being unauthorized. You s
Dispute the charges with your bank as being unauthorized. You should be able to get your money back and get the NSF fees reversed. Of course, you will probably have to pay returned check charges to whoever the checks were returned to also. I'm not sure if you can get that money back other than by suing PRA. :?:
If your bank tells you that PRA had court authorization to levy your bank account, then they must have filed suit against you without properly serving notice to you. You will need to deal with that through the courts. Hopefully, if that's the case, someone else can advise you how to do that.
Good luck, and keep us posted!
Check with your bank asap!! If they did not have a court order,
Check with your bank asap!! If they did not have a court order, tell your bank you want to follow this through to the fullest extent available to you. What they did is outright theft no bones about it and you can likely have them charged...$3k is grand theft I believe.
If they did have a court order, then contact the court asap and find out how you were served and then get that judgement vacated for improper service since they likely didn't serve you properly and if you let the judge know, he will give you a chance to defend yourself. I would counter sue them for this (or sue if they did not) they caused you a financial hardship on an unvalidated debt...you can cause them mass amounts of trouble over this little fiasco.
Somewhere down the line, you must have paid one of your debtors
Somewhere down the line, you must have paid one of your debtors by check, this is how they got your information. Do as Goldenbast suggest, and make the bank return your money and prove that PRA had the right to take the money from your account. During the meantime, open another account elsewhere.
Quote:Check with your bank asap!! If they did not have a court o
Quote:
Check with your bank asap!! If they did not have a court order, tell your bank you want to follow this through to the fullest extent available to you. What they did is outright theft no bones about it and you can likely have them charged...$3k is grand theft I believe. If they did have a court order, then contact the court asap and find out how you were served and then get that judgement vacated for improper service since they likely didn't serve you properly and if you let the judge know, he will give you a chance to defend yourself. I would counter sue them for this (or sue if they did not) they caused you a financial hardship on an unvalidated debt...you can cause them mass amounts of trouble over this little fiasco. |
Because I have also been dealing with PRA, I am concerned about "suither2333's" post.
I would like to know more details if "suither" is willing to share. Does PRA have a judgment?Did PRA gain access to the funds in the account by levy or did they debit the account?
I know from experience Banks won't get involved in situations where someone debits a customer's account.
I just recently had an unauthorized magazine subscription debited to my account and the bank refused to get involved.
I'm concerned because, I am sure PRA could gain access to my routing and account number, it put to the task.
Guest, I'm just curious to know why banks won't get involved
Guest,
I'm just curious to know why banks won't get involved if someone debits from a checking account? If a debit was not authorized, then the bank needs to be involved. Let's say for instance, I'm currently in a Ch 13 bankruptcy, and if one of the creditors that are listed in my case debited from my bank account, then the bank needs to be involved because they were not at all authorized to collect the money. They would be paid through the bankruptcy trustee if they filed a claim to be paid. Maybe it's just the bank your dealing with.