A check question

[Kristyna]

What is the name of your state? WA

I sent a payment by check to a creditor, but for some reason they electronically withdrew the money without my permission, using the check number as a reference. This is the first time this has ever happened and was told it was illegal. Is it?

 

[I AM ALWAYS LIABLE]

What is the name of your state? WA

I sent a payment by check to a creditor, but for some reason they electronically withdrew the money without my permission, using the check number as a reference. This is the first time this has ever happened and was told it was illegal. Is it?

My response:

No, it's not illegal. You already authorized the payment by using a check. The form of payment is of "No Moment"; e.g., whether they use the check itself, or use the check numbers for an electronic transfer.

However, by using your check, you have placed yourself in a very tenuous position. Now they have your account number. You should have send a cashier's check instead.

Close your checking account, and re-open a new one. That will keep the CA from "deciding on their own" when they want to invade your bank account again.

IAAL