Hi! I was hoping you could give me some advice.
Date: Tue, 05/17/2011 - 18:55
Hi!
I was hoping you could give me some advice.
I owe a debt to Avon of about $260 or so, and started receiving calls from Allied Data Corp with no voicemails left. I called them back and told them I couldn't pay, but if I changed my mind or found the funds, I would call them back and make arrangements.
I finally agreed I would, so I called them and created payment arrangements. I gave them my bank acct info and that was that. When I looked at my budget again and found out how much financial aid I was actually going to get, I realized I couldn't afford it and go to school (my budget is pretty tight as it is).
I called back and cancelled the entire thing and they said they would mark my file as a "Refusal to Pay" status and I say fine.
That weekend, I received a voicemail from the manager saying I needed to call back regarding the payment arrangements I made. I figured she was talking about my canceling the entire thing, so I didn't bother.
That following Tuesday, I realized they tried to go into my bank acct and take out another "check" with the next number following the one I originally gave! I was furious that they would do this without my authorization! I called my bank who suggested I close that acct and open a new one.
I hung up with them and called Allied Data, which was like returning their call from the past weekend. I spoke with the manager and it was like I never called to cancel at all! I said, "Wait a minute, I called last week to cancel all of this, as I couldn't make the payments." She then began interrupting me continuously and threatened to send me to the Check Fraud Division of my county and hung up.
I called back again and she just said, "Sally, if you keep calling me, I'm going to call 911 and report you for harassment." I said, "I'm just returning your call and you hung up on me." She said "Goodbye." and hung up.
I called again, and the same thing.
I don't know what to do! I am starting to get frightened of them taking me to court. Isn't this fraud or breaking the law? I live in Texas and did not authorize that second check. Please help! I appreciate any advice.
I was hoping you could give me some advice.
I owe a debt to Avon of about $260 or so, and started receiving calls from Allied Data Corp with no voicemails left. I called them back and told them I couldn't pay, but if I changed my mind or found the funds, I would call them back and make arrangements.
I finally agreed I would, so I called them and created payment arrangements. I gave them my bank acct info and that was that. When I looked at my budget again and found out how much financial aid I was actually going to get, I realized I couldn't afford it and go to school (my budget is pretty tight as it is).
I called back and cancelled the entire thing and they said they would mark my file as a "Refusal to Pay" status and I say fine.
That weekend, I received a voicemail from the manager saying I needed to call back regarding the payment arrangements I made. I figured she was talking about my canceling the entire thing, so I didn't bother.
That following Tuesday, I realized they tried to go into my bank acct and take out another "check" with the next number following the one I originally gave! I was furious that they would do this without my authorization! I called my bank who suggested I close that acct and open a new one.
I hung up with them and called Allied Data, which was like returning their call from the past weekend. I spoke with the manager and it was like I never called to cancel at all! I said, "Wait a minute, I called last week to cancel all of this, as I couldn't make the payments." She then began interrupting me continuously and threatened to send me to the Check Fraud Division of my county and hung up.
I called back again and she just said, "Sally, if you keep calling me, I'm going to call 911 and report you for harassment." I said, "I'm just returning your call and you hung up on me." She said "Goodbye." and hung up.
I called again, and the same thing.
I don't know what to do! I am starting to get frightened of them taking me to court. Isn't this fraud or breaking the law? I live in Texas and did not authorize that second check. Please help! I appreciate any advice.
Do you have any document which proves that you have cancelled th
Do you have any document which proves that you have cancelled the payment arrangement? If yes, then you can submit it to the court should they file a case against you. Yes, they can't debit money from your account without your authorization. They have broken a law. Rather you can take legal steps against them. However, without valid documents you'll not be able to prove anything. I don't think they will really file a case against you. If you are still scared, then you can consult a lawyer regarding this matter.
