Bank problems

Toledo,

What got that result? Which button did you push?

If I repeat, I am sorry, Did not have time to read the whole thread. If you are not getting satisfactory answers from one person, keep moving up the chain of command until you do get someone that will help you out. There usually is some type of fee for stop payments, which in cases like this, I think is a bunch of you know what, but what can you do? Just keep plugging away at this and work your way to the top of the ladder with your bank if necessary.

Oh, I meant to add, make sure as you go through the chain of command at the bank, try to keep track of who you talked to what they said to you and how they said it.

i sent my letters out last night..with the ACH processor copied and my attorney copied stating i have overpaid on all of my accounts, i contacted the processor...intercept and they are not to contact me except email...and stop debiting my account. i told them any calls can be directed to my attorney and she will handle them...i was a little embarassed...but hey gotta suck it up. and already this morning i had a paid in full letter and a refund for the amount over the priciple....can't believe it...

That is great!!! Glad to hear that.

That is great! See that what happens when you are in the right. :D

and it has been two days...and not one phone call. kinda scary. i was always current though, so they never called me. but i for sure thought that with my emails sent out, even though i directed them to the attorney helping me out, i would've gotten a few calls. we will see...it is still early. i am still able to log into both sites and it says i am a customer in good standing.

well so much for my good luck...e-payday-loan took their normal $50 finance fee and $30 principle payment. i was hoping they would honor my email and letters....guess not. so now i only owe them $65. might as well just write them off.

if you send that email and proof that they took out the money after you revoked authorization to their processor they will be in very big trouble...fyi

yeah...i am in the process to find out who their processor is right now. intercept just said they processed for 2 of my 3 but wouldnt tell me which ones...so my bank is going to get back to me...i actually sent the email to them 2 times...once normal and once with intercept copied..just in case they did process for them. but the attorney helping me said they violated the EFT act..so i sent them another email today thanking them since they will most likely be fined now.

Can you give the email addy that you used for intercept??

sure...it was [email]christy@interceptcorporation.com[/email] she was the one i was working with..

just beware...she will not do anything until you revoke the charges with your bank....then she will help out in any way she can

Now I have already closed my bank account and was getting ready to send them a copy of the C&D letter I have sent out to all of my PDL's...would that be enough or is there something else I need to do with my bank? What exactly did you say to her? Just that you were informing them of the revoked charges from the companies?? Thanks for your help!!

You indeed have the right to revoke transactions. You need to contact your bank and give them the transactions that you want to revoke. By them returning the transaction to the originator as revoked if the company processes with Intercept we will not allow any future debits/credits of any amount to that account. So I would take your bank statement to the bank and reference the transactions that you wish to revoke. Intercept is not a financial institution. Your bank must honor your request to revoke transactions.

* Contact your bank, the RDFI (Receiving Depository Financial
Institution)
* Complete and provide a Written Statement Under Penalty of Perjury
to your bank


Christy Stock
COO, AAP
Intercept EFT
Phone: 800-378-3328
Fax: 701-499-5347
email: [email]christy@intercepteft.com[/email]


here is what she sent me this week

if intercept is your processor...tell christy that you want her to contact the PDL as well as you...telling them that their debits are being revoked...they do not like it when you get the processor involved.

OK, thank you so much!! =) This whole board has been so helpful!!

no problem...let us know how it goes.

I have a payday loan with these vultures. Can you ever get them satisfied? I am being told that after repaying triple or more that I still owe them more than the original loan. I closed my account to keep them from continualy sucking it dry. Now I have been turned over to AIS for collection. Who can help?

ask for a debt validation letter...they won't be able to give you one