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I HAVE BLOCKED MY ACH PAYMENTS





Sub: I HAVE BLOCKED MY ACH PAYMENTS
Sat, 24/01/2009 07:40

I first want to thank everyone who helped me yesterday on this site.

I have effectively 'blocked' any and all ACH transactions (and otherwise debits) on my account, except deposits.

i also spoke with the woman who is the head of the ACH dept at my bank and to my surprise, no problem at all.

In fact, one of them was showing as pending in my account today and she is returning it as 'account closed'.

Further, because i deal with a smaller, local bank whom i have been with for many years, they made me exceptionally happy to tell me that NOTHING will get through that account. Even if i have a paper check out there, they will not process that until they physically call and speak with me, whew, dodged a bullet there!

Now that my money is all secure, I am going to do as instructed by this site yesterday and send out my C&D letters and revoke any and all authorizations for phone contact to me, my job, and my references and demand that they only contact me via email and USPS. I hope this will work?

In doing this however, i still need a little help. Can the good folks that are on this site help me once again? You have all been a God send!

I need to know the email addresses and possible mailing addresses for the follwoing companies. I have seen them on here randomly before, but i have also sent emails to many of the same addresses that i have and they get bounced back, i am willing to try any new (or current) info anyone may have on these.

Thansk again in advance, this site is absolutely the best and a life saver for all of the people viewing it for the first time! these people are top notch, thank you!

One Click

TJF Corp

Sandpoint Capital

Zip19.com

United Cash Loans

MTE Financial

B.I.G.

Cash Advance Network (CAN)

Discount Cash Advance

my cash now

Payday Max

B&L Marketing

Impact Cash

Thanks again to all of your wonderful people!



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Unregistered

Sub: #1 loanSat, 01/24/2009 - 07:40



I was except for a 300.00 loan yesterday said it would be in my account today have not recived it


Unregistered

Sub: #2 Goudah, again, you rock! So if i am perceiving this correctlyThu, 07/31/2008 - 10:44



Goudah, again, you rock!

So if i am perceiving this correctly, i should wait until they get the heads up from my bank that they cant get into my account anymore, and then wait until the collection agencies begin calling before sending out any letters?

what about garnishment? if i do not send them the letters revoking my permission to ACH anything or deduct anything from my paycheck through my employer, will they still do it? or do i at least need to send a letter stating that i am revoking any wage declarations?


goudah2424
goudah2424

Posts: 7801
Credits: 122157.45 Send message to goudah2424

Sub: #3 If you can't find them, and they don't contact you, well, that'sThu, 07/31/2008 - 10:07



If you can't find them, and they don't contact you, well, that's their problem. You did all you could to satisfy your obligation.

How I make some extra cash

I earn at least $20 extra every month doing offers. And you don't have to pay a cent.


goudah2424
goudah2424

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Credits: 122157.45 Send message to goudah2424

Sub: #4 Quote:Does this apply even though they are operating in my stateThu, 07/31/2008 - 10:06



Quote:
Does this apply even though they are operating in my state illegally?
Yes, because they are still the original creditor.

Quote:
I mean, will / should the creditor understand that i have already overpaid them?
No, you have to make them understand that they broke the law and that they will not be receiving more money from you. It can be easy, and it can be very hard to get them to understand.

Quote:
Or do these 'interest-fees' go to the third party company and NOT the original creditor?
No, everything you've done so far has been with the original creditor. None of your loans are at collection agencies yet.

How I make some extra cash

I earn at least $20 extra every month doing offers. And you don't have to pay a cent.


Unregistered

Sub: #5 Thanks again Goudah! Does this apply even though they are opeThu, 07/31/2008 - 09:59



Thanks again Goudah!

Does this apply even though they are operating in my state illegally?

I mean, will / should the creditor understand that i have already overpaid them?

Or do these 'interest-fees' go to the third party company and NOT the original creditor?

I can contact some of the companies which i have the loans with, but ones like SandPoint Capital, i cant even locate nd have no idea who the original creditor is! is it SandPoint Capital?

I do not plan to walk away from my moral obligation to pay what i borrowed, but i just want to ensure that i am taking the correct next step.


goudah2424
goudah2424

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Credits: 122157.45 Send message to goudah2424

Sub: #6 That would be the lender. It's just that in that case, the lendThu, 07/31/2008 - 09:36



That would be the lender. It's just that in that case, the lender has a bunch of subsidiaries that it lends under. The original creditor would be the company you took the loan out with. Since CPD is the same company as the other ones, just the head company, they are still the original creditor.

If the original creditor contracts with or sells the debt to a third party collector (collection agency), then the fdcpa and such comes into play.

How I make some extra cash

I earn at least $20 extra every month doing offers. And you don't have to pay a cent.


Unregistered

Sub: #7 I understand Goudah, and thank you again as you are extremely knThu, 07/31/2008 - 09:28



I understand Goudah, and thank you again as you are extremely knowledgeable and helpful.

Can you tell me the difference between the thrid party and actual creditors? three of the ones i have listed use a company called 'Credit Protection Depot', is this the lender, third party or otherwise?

thank you again


goudah2424
goudah2424

Posts: 7801
Credits: 122157.45 Send message to goudah2424

Sub: #8 Yeah, I'm not saying it won't work - I just believe that if you Thu, 07/31/2008 - 09:23



Yeah, I'm not saying it won't work - I just believe that if you want to be taken seriously you should be quoting laws that actually apply to the situation. When you quote a law that doesn't, it makes it look like you don't always know what you are talking about.

It's really a personal decision - If you want to, go for it. I just wouldn't. :D

How I make some extra cash

I earn at least $20 extra every month doing offers. And you don't have to pay a cent.


Unregistered

Sub: #9 I read and did my homework here, and then called them. Many sThu, 07/31/2008 - 09:22



I read and did my homework here, and then called them.

Many suggested going in person, but being that i have a local bank and have been with them for many year, i know the V.P. of the bank, etc. I would howeverhad done that had i not received the reply i did.

Well first thing i did was went to the bank and closed the account.

Then i called the next day and said "my account is closed, but i have a pending ACH payment trying to come through... I then said that (and i was speaking to the main branch people, and more specifically the person in charge of ACH payments for the bank (this is the person i would suggest you go to), and explained to her that i closed the account to begin with was i received several emails stating money was going to be debited out of my account, and that it was illegal, that i have revoked any and all rights of any companies to doso, and opened another account"

Her reply was, yes sir, we will send this one that is pending back as 'closed account' and then not allow anymore. in fact, she even said that if any hard copy checks tried to come through that account, then i would be called by the bank, before any were approved.

i would highly suggest however, as is mentioned all in this website, to ENSURE that you inquire as to their ability to forcibly reopen your account with an ACH.

The best thing you can ask for is that ALL WITHDRAWLS ARE IMEEDIATELY FROZEN! Then close that account and open another.

I hope that helps and good luck! these people on this site are amazing, so keep the questions coming and someone will be there for you to answer, like they were for me and everyone else on this site!


Shazzers
Shazzers


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Sub: #10 My opinion, for what it's worth, telling these companies to ceasThu, 07/31/2008 - 09:12



My opinion, for what it's worth, telling these companies to cease and desist contact with you other than via email or USPS isn't against the law, and some of these people who work for these illegal companies are dumber than a door knob anyway, yes, they may contact you anyway and you have no legal recourse to stop them for the most part -they are practicing illegal anyway and obviously don't care. However, there's always a chance they may NOT contact you, so I always say, what do you have to lose by requesting a cease and desist from them, all they can do is say NO. By the way, it did work for me with two pdl companies, but not all of them. Just sayin!

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