Hi All,
I am soooooo mad right now and I thought I would vent a little before I get on the phone.
Filed Chapter 7 on June 30 - stated I would reaffirm for both mortgages. But this company didn't have us sign an agreement. In the past my payment was auto drafted out of my account.
August 1st - autodraft payment - everything ok
Sept 1st - no autodraft - I wait a few days then call and ask whats going on. They said since I filed bankruptcy then they were not allowed to auto draft anymore - fine (but thanks for any notification) I sent them a check in the mail.
Oct 1st- set up to pay mortgage through my banks online bill service - they autodrafted my account - causing several things to bounce including the autodraft - (cost 104 bucks) I called them and they said no it won't go through again (most place will try and put it through again if it bounces). But of course it went through again but this time cleared since I got paid. Of course there is the outstanding check I sent them too -- (cost $36 to stop payment) - I got them to mail me back the check (cause you can afford to pay their mortgage twice in the same month) and refund of the $104.
Nov 1st - wait to send payment until after the first to see if they try to take it again - nope so I mailed them a check (which took them 2 weeks to cash and it's only one state away)
Ok here it is Nov 29 the day before payday - check my account to transfer the last 50 bucks I have to our other account. My account is 500 bucks in the whole WTF!! - They autodrafted the accounts again two days before it is even due!!
Question - Is this not a violation of the automatic stay since they are collecting debt? They are the ones that told me they were not allowed to autodraft but keep screwing with my account. I am soo mad like I dont' have enough issues to deal with being this close to xmas!!
I am soooooo mad right now and I thought I would vent a little before I get on the phone.
Filed Chapter 7 on June 30 - stated I would reaffirm for both mortgages. But this company didn't have us sign an agreement. In the past my payment was auto drafted out of my account.
August 1st - autodraft payment - everything ok
Sept 1st - no autodraft - I wait a few days then call and ask whats going on. They said since I filed bankruptcy then they were not allowed to auto draft anymore - fine (but thanks for any notification) I sent them a check in the mail.
Oct 1st- set up to pay mortgage through my banks online bill service - they autodrafted my account - causing several things to bounce including the autodraft - (cost 104 bucks) I called them and they said no it won't go through again (most place will try and put it through again if it bounces). But of course it went through again but this time cleared since I got paid. Of course there is the outstanding check I sent them too -- (cost $36 to stop payment) - I got them to mail me back the check (cause you can afford to pay their mortgage twice in the same month) and refund of the $104.
Nov 1st - wait to send payment until after the first to see if they try to take it again - nope so I mailed them a check (which took them 2 weeks to cash and it's only one state away)
Ok here it is Nov 29 the day before payday - check my account to transfer the last 50 bucks I have to our other account. My account is 500 bucks in the whole WTF!! - They autodrafted the accounts again two days before it is even due!!
Question - Is this not a violation of the automatic stay since they are collecting debt? They are the ones that told me they were not allowed to autodraft but keep screwing with my account. I am soo mad like I dont' have enough issues to deal with being this close to xmas!!
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