A couple of years ago, I received a PDL from these people. It was never my intention not to pay them and I, in fact, made payments to them. However, my personal life took a dive for the worst and I was forced in a Chapter 7 BK, after my significant other left and dumped a ton of debt on my doorstep that I had no ability to pay. I included them in the Chapter 7 matrix and was discharged on March 6.
Yesterday, a year after my bankruptcy has been discharged and I have moved from the state where the payday loan was even generated, my checking account, which is NOT the same checking account I had previously, was debited 160 dollars sending my account into overdraft. I contacted the 800 number as directed by the bank to no avail. The jerk I spoke with was rude, told me I was a thief and that I better get an attorney.
I filed for unauthorized charges with my bank and am awaiting the outcome. I am livid and broke.in the first place, they had no right to take money from anywhere.in the second place, they have certain legal steps that they must take to recoup a debt if a BK had not been filed. What other repercussions can I levy? I have also filed a complaint with the Federal Trade Commission.
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