I took out a loan from Boatman's Bank to pay off an American Express credit card that my husband ran up. A couple of months after I took out that loan Nation's Bank bought out Boatman's Bank. I continued making my payments. I made most of my payments in cash when I got paid as that was the bank I used for my checking account and I did all of my business at the same branch. Not long after Nation's Bank bought Boatman's Bank, Bank of America announced they were buying Nation's Bank.
I did not lilke Bank of America and refused to do business with them and it was around tax time and I had my refund and I used it to pay off the loan at Nation's Bank. I was given the paperwork and I put it in a green lock box when I arrived home. I didn't think anymore about it. Several months went by and my husband and I separated and later divorced. He took that box with him with the papers in it. I know that it was at least a year or two later before Bank of America started pestering me about owing them money. I said I don't owe you anything. I don't have an account with you. They said it was a credit card and that it was an old account. I told them I didn't have a credit card account with them old or otherwise. They weren't sure what kind of account it was and then they said it was when they were Nation's Bank. They asked if I had an account with Nation's Bank. I told them I paid off a loan from Boatman's Bank when it was Nation's Bank. They said they didn't show that. They showed that I had an open account from Nation's Bank. This account has been paid in full once by my income tax refund and secondly by a chapter 13 bankruptcy. Now I have a judgement by Bank of America that is being collected by John R. Cheadle, Jr. $11,757.00 on a loan that was for less than $3000.00.
I am sick and tired of paying for something I don't owe. I have to pay him $100.00 per month for the rest of my life. To beat that now he has taken out a garnishment on my wages and is still collecting the $100.00 from my bank account. I do believe that is illegal Mr. Cheadle. You can't have it both ways you crook. One or the other not both. Since you are getting the $100.00 per month you have to stop the garnishment. This man and Bank of America loves ruining people's credit. What are you supposed to do? I don't have the money for a lawyer to fight back. I have been paying that judgement for three years. I think Bank of America has received enough money that doesn't belong to them. I don't owe them anything already. It is time for this to stop.
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