It seems im in worse shape

Date: Fri, 07/27/2007 - 08:24

Submitted by anonymous
on Fri, 07/27/2007 - 08:24

Posts: 202330 Credits: [Donate]

Total Replies: 3

It seems im in worse shape

It's me again...when i first signed up with Town and Country I was feeling better about my situation with the PDL's...but now it seems i'm in worse shape..i paid the initial fee of $215 to T&C and put stop payments on the PDL's..costing me close to $200 to do so....mind you it took almost a week to get a reversal back to my account as they still allowed those payments to come thru on my payday(fri)..but the money was put back on the following tues.i closed out my acct but the bank said should the PDL companies come back for a different amount..the acct would reopen... i had my employer stop my direct deposit and redirected it to another acct number..it will take 1 month before the direct deposit starts back up...well the worse happened because of course although T&C said they contacted all the companies regarding payment arrangements..i had one of them still come back for a different amount overdrafting my acct..i contacted PNC and am waiting for an affidavit to bar CashNetUSA from touching my acct at all...but that's not it..now another company came thru and over drew my acct by $600 more...T&C keeps saying don't worry they can just tack that on as another creditor to be paid..but how long will i go thru this?..i have literally gone to the bank every single day to contest a transaction..i'm tired..i also have to catch up on my utilities and my next payment with T&C is due in a week..and i'm still not out of the water yet...i am grateful that i will at least have access to my paycheck but if i cash it anywhere they'll take those check cashing fees and i can't afford to give even a little of it away....if my PNC accounts continue to go negative i won't be able to deposit my live payroll check into them ..and as for my new acct..how about this for more bad luck?..i had received and deposited a security deposit check from my old residence and just found out it was returned after i had already paid bills with it..the funds were available to do so at the time but now i'm -$200 for the new acct...i just want to scream...i can't seem to get from under this cloud..any suggestions..again before i lose it?...

Why did you not have your bank freeze that account and request a

Why did you not have your bank freeze that account and request a live paper check from your employer. The PDLs just change there name and the amounts. You can't yuse stop payments. They will eat up you fund. Go have a heart to heart with the manager of that bank and explain whats going on. You landlord is resopnsible for that 200.00. That monet was by law supposed to have been in escrow. If he will not pay up take him to small claims court. You can't lose.

lrhall41

Submitted by Frogpatch on Fri, 07/27/2007 - 12:06

( Posts: 5381 | Credits: )

frog

Listen to frog. You need to have PNC put a hard debit block/freeze/hard hold whatever they want to call it on your account ASAP. These pdl's will use different names and amounts and debit you every single week as long as the account remains open. Now that you are in the negative, they can't close it. So you need to have a "hold" on it. PNC can do this. Don't let them tell you otherwise. Your payroll is insane. Explain to them that your bank account has fraudulent charges on it and it is closed. They need to stop your direct deposit ASAP (if it's still going through). If it takes them a month (which is totally crazy) to get you started again, they can issue you "live checks" until the direct deposit kicks in again. But, please go to your bank. Get control over that account. Do not put "stop payments" on. Block the account. Talk to your payroll department. They can issue you "live" checks until your bank accounts are back in order. Since now both of them are overdrawn. Please try to get this done ASAP. I hate to hear that you're going to be charged every time. This is going to add up to a lot of money since these pdl's will NOT stop debiting.

lrhall41

Submitted by cannr on Sat, 07/28/2007 - 07:00

( Posts: 9317 | Credits: )

PNC is the absolute worst bank in the world to have when dealing

PNC is the absolute worst bank in the world to have when dealing with this problem! I had them when I went through this and while PNC kept assuring me that things would be ok and they would resolve it, I now owe them 1600 because they continued to allow these transactions. I had no other recourse but to let the account get overdrafted so that the bank would close it on their own and not reopen it even if the PDL's continued to try and debit. PNC bank does not care about thier customers nor do they do anything to help them! GO TO A DIFFERENT BANK WITH YOUR NEW ACCOUNT!

lrhall41

Submitted by Leah on Sat, 07/28/2007 - 07:49

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