Help - Westbury Loanshop - update and questions?!
Wells Fargo does allow ACH transactions to open a closed account
Wells Fargo does allow ACH transactions to open a closed account. So if you close the account and they try to debit, the account will reopen and you will go further into the red. But they probably won't take the money from the good account to satisfy the old account, as long as they aren't linked. They will close the good account though, and you will be stuck with no access to your money. I would open another account at a different bank.
Do what you have to do to pay rent. These places will want payment in full, but they won't do anything but harrass the hell out of you.
I can't have them calling my work constantly...and they obviousl
I can't have them calling my work constantly...and they obviously have my work # if they got the new application.
How can the bank re-open an account/let money be taken from a closed account if it's CLOSED? I gotta say, things sound pretty bleak right now. :(
I believe that they consider ach debits pending transactions and
I believe that they consider ach debits pending transactions and some banks(Luckily not mine)will open a closed account to let these pending transactions go thru.
They don't even have to be pending at the time you close the acc
They don't even have to be pending at the time you close the account. WF will allow them to go through for within 30 days of the account being closed.
So basically I don't actually have control over any of my money
So basically I don't actually have control over any of my money or my accounts? :shock:
I applied for a new account with a new bank (US Bank) and will not be giving any of that information to anyone. But it will be two pay cycles before it's active because it has to be activated by direct deposit. In the meantime, I have to request paper checks from my employer so they don't go to cover my overdraft.
Would it be better to contact the two IPDL lenders I have and authorize them to take the full amount of the loans on my next payday (since my bank will apparently open and pay any ACH transactions) and just overdraft more and pay the bank so I don't accrue interest?
Well, that's one way to do it. But then you owe the bank. The
Well, that's one way to do it. But then you owe the bank. The bank can and will sue you, report you to chexsystems, and make it really hard to open another account for 5 years. I would not recommend going that route. You will owe a legal bank a ton of money, instead of 1 illegal and 1 legal lender a bit of money.
Read this sticky about closing your bank account. There are holds and such the bank can do to stop any transactions from going through.
Besides, interest will stop on the Cash Net USA loan once you default. You will not be resonsible for more fees.
God, what a nightmare :( I guess I figured I'd rather owe the b
God, what a nightmare :( I guess I figured I'd rather owe the bank and pay off the money within two months, than leave myself open to more and more and more fraudulent ach debits.
If I call WWCashNow and CAshNetUSA and tell them I've closed my Wells Fargo account and will pay them off in January, will they let me pay by money order or will they continue to charge my bank?
Are you opening another account at a completely different bank?
Are you opening another account at a completely different bank?
If so they they can nit charge your account if they dont have your bank info. Just do not ever give this new info out. Yes this is all a nightmare. If we only knew then what we know now.
kashzan, Yes, the new account will be through US Bank, not We
kashzan,
Yes, the new account will be through US Bank, not Wells Fargo. I won't give that to anyone.
I've stopped my paycheck from being direct deposited into the Well's Fargo account, so my next check will be paper.
The problem is that CashNetUSA and WWCashNow (which it appears is governed by the laws of the UK???) are both expecting to be able to take the $90 fee out of my Wells account on the 21st. So if I close that account and contact these people, will they let me pay the whole thing off in January? Or will they just keep charging my WF account and will WF let them do that?
They will let you pay with Money Orders, but they won't stop try
They will let you pay with Money Orders, but they won't stop trying to debit the account. Please read that link I posted above, it has some info to take with you to the bank.
Called to confirm entrances in building
I get a call from the manageer telling me that Westbury called to see if I worked there and also how many entrnaces are in the building just in case they have to serve me.
No one calls to alert you to the fact that they will serve you.
No one calls to alert you to the fact that they will serve you. Westbury is an illegal company, so I doubt they can serve you anytnhing!!!!!
Westbury Serve
I asked them for information on what they had on me and they do not want to provide it to me. Now I am at work embarrased because they called to threaten me and looking over my shoulder everytime. Can they do this.
This is a horrible company. Just tell they people at work that y
This is a horrible company. Just tell they people at work that you had some identity theft and that is the reason for all of this. I am sorry that you are embarrassed, but this company is relentless. Say what ever you need to say to the people at work to make yourself feel better.
unauthorized debit for 260.00 dollars
I APPLIED FOR A LOAN WITH THE LOANSHOP OUT OF CALIFORNIA THEY SAID I WASNT APPROVED BECAUSE OF A OLD LOAN WITH ANOTHER COMPANY BUT WHEN I CHECKED MY ACCOUNT TODAY THEY TOOK OUT 260.00 WITHOUT GIVING ME A OAN