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can a pdl withdraw from a whole new bank account?

Submitted by lauramw71 on Fri, 08/08/2008 - 12:04
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I have defaulted on them and am in the "limbo period". I had closed out my bank account, and opened a new one at a whole different bank. Well, now I am leary because my Imagine credit card comes right out of my account. I would like to set up the ACH payment on my new account, but not sure.. As a matter of fact, I pay ALL my bills online. Is it still ok to do that or will it make my new account somehow fall into the hands of the pdl's?

thanks!
Laura


i would think as long as you don't apply for new credit you should be okay.


Submitted by paulmergel on Fri, 08/08/2008 - 12:06

paulmergel

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Yes, there is a chance they can still find your new account.

It is rare, but it does happen. There are ways. For instance, if you new bank ran a chexsystems report on you when you opened the account, the pdl can check that report, see the inquiry, and use the contract you signed giving them authorization to debit any account you may be a signer on in case of default to debit that new account.


Submitted by goudah2424 on Fri, 08/08/2008 - 13:21

goudah2424

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So if it WOULD happen, since I didn't authorize the debit does the revocation letter I sent them hold with the new account? These things just follow and haunt you. The new bank did run me through chexsystems because I told them what had happened when I applied for the account and told them I wasn't sure if I was on it or not.


Submitted by on Fri, 08/08/2008 - 14:06

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