I Changed My Mind

[Lisadunlap]

What is the name of your state Ga.

My boyfriend ask me if I would payoff a credit card debt he had that had been turned over to a collection agency. When the agency called me concerning the payoff, I told them I would make my boyfriend a loan for the balance so they took my bank information to do an automatic withdrawl from my checking. The withdrawls would be 426.00 on Jan.31 and another withdrawl 426.00 on Feb.28. They informed me they were taping my verbal agreement to the payment withdrawls. My boyfriend is not on my checking account and I am not on his credit cards.

On Jan. 18, I had second thoughts about the agreement with the collection co. I called them and talked to the person I had made the verbal agreement . I told him I was withdrawing the agreement and I was unauthorizing the bank withdrawl. He informed me everything would be
taken care of but that he wanted to talk to my boyfriend to make sure he understood they would once again be "after" him to pay the debt. My boyfriend contacted him as requested.
On Feb. 1 the collection agency withdrew 426.00 from my checking account. When I called to ask why the withdrawl was made after I called and ask it not to be made, I was told the person I had made the request to had been terminated recently. When I spoke with his supervisor, she said she would stop the Feb28 withdrawl but they would not return the first withdrawl. She said the former employee had made a note that I had called on Jan. 18 but had not written the reason for my call. Therefore since they had my recorded agreement but not a recorded agreement withdrawl I was just out my money. Can they legally keep my money ?What is the name of your state?

[debtcollector`]

Originally Posted by Lisadunlap

What is the name of your state Ga.

My boyfriend ask me if I would payoff a credit card debt he had that had been turned over to a collection agency. When the agency called me concerning the payoff, I told them I would make my boyfriend a loan for the balance so they took my bank information to do an automatic withdrawl from my checking. The withdrawls would be 426.00 on Jan.31 and another withdrawl 426.00 on Feb.28. They informed me they were taping my verbal agreement to the payment withdrawls. My boyfriend is not on my checking account and I am not on his credit cards.

On Jan. 18, I had second thoughts about the agreement with the collection co. I called them and talked to the person I had made the verbal agreement . I told him I was withdrawing the agreement and I was unauthorizing the bank withdrawl. He informed me everything would be
taken care of but that he wanted to talk to my boyfriend to make sure he understood they would once again be "after" him to pay the debt. My boyfriend contacted him as requested.
On Feb. 1 the collection agency withdrew 426.00 from my checking account. When I called to ask why the withdrawl was made after I called and ask it not to be made, I was told the person I had made the request to had been terminated recently. When I spoke with his supervisor, she said she would stop the Feb28 withdrawl but they would not return the first withdrawl. She said the former employee had made a note that I had called on Jan. 18 but had not written the reason for my call. Therefore since they had my recorded agreement but not a recorded agreement withdrawl I was just out my money. Can they legally keep my money ?What is the name of your state?

Do you have any proof that you canceled the payment?

[Lisadunlap]

I have no proof that I called to cancel the payment withdrawl. My only proof is Mr. Jones, the only person I spoke to from this company. Per Mr. Jones request, my boyfriend called Mr. Jones the same day. I was present during that phone call. Mr. Jones is no longer with this co. but his supervisor told me that Mr. Jones had made a note in his file that I had called him on Jan. 18. On his Jan.18 phone call to Mr. Jones, Mr. Jones told my boyfriend the same thing he told me. He said he would take care of cancelling this transaction but he wanted my boyfriend to understand that his co.would resume efforts to collect the 800.00 from him.

The supervisor I spoke with said she was not going to refund my money, but she would cancel
the Feb. 28 withdrawl per my phone request. How is this phone request any different than the phone request made to Mr. Jones on Jan. 18? She offered me no proof that this cancellation would take place. I have only her word ----same as Mr. Jones. This time my bank has been made aware of the situation just in case I don't receive the written withdrawl cancellation I have requested.

[debtcollector`]

Originally Posted by Lisadunlap

I have no proof

End of story

[Ladynred]

If you do not have the so-called 'agreement' IN WRITING, then you have NOTHING. I would strongly urge you to make sure that you inform your bank that this company is NOT AUTHORIZED to make any withdrawls from your account. You also need to WRITE the collection agency and tell them that you have withdrawn your authorization for them to dip into your account. Don't EXPECT that they will adhere to the statement that they won't, collectors LIE ! Once they have a way into a bank account, they WILL keep dipping and suffer your 'outrage' that they went back on their 'word' not to.

NEVER, NEVER, NEVER give a debt collector access to your bank accounts !!!!!