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| *Ostroff, Fair and Company>>>Credit |
Problems Problems...? |
I moved last year and forgot to pay this company 190$, they finally found me last week, but it was a collection agency, I sent them right away the 190$ by cheque that I owed them, but the cheque bounced, my husband didnt know I had made a cheque and he took some money out. Now the company forced the payment out of my bank account but meanwhile I had already resent them a new cheque for 190$. I called them to make sure they wouldnt cash that cheaue, Well guess what they did! SO now I have 2 NSF fees of 40$ in my bank account and what if they try forcing that amount out??? How can collection agencies force a bounced cheque out of your account? And how can I know for sure now they wont try to force the 2nd cheque out?? My payment was made, all is clear and now even if I try calling them how will I know they will not try to froce payment? My bank dont want to comment on this .. Am I stuck to close my bank account now or what??? My question is - Why didn't you do a "Stop Payment" on the check through your bank? - If this isn't possible at this point, you should probably close the account just to be safe. "My bank dont want to comment on this" That is ridiculous. You pay service fees to your bank and you deserve an explanation. Go to the bank in person, and speak correctly and ask to talk with a manager. Politely ask for an explanation. I'm sorry, but you're 100% to blame for all this. Anytime you send a check to a business whether it's a collection agency, insurance company, or whatever....they're going to cash it. Fortunately for you, a check can only be put through twice. HOT MESS!!! This all comes back to a break down of communication. If you had communicated to all of your creditors your new address when you moved, you could've avoided this problem. Further, if your checking account has a balance so low that cashing a $190 check could potentially put it in an overdrawn status, THEN ALL CHECKS AND ATM WITHDRAWALS should be communicated to the other spouse UNTIL you get your money affairs in order so that you have an ADEQUATE CUSHION. WHY didn't you tell your husband about this $190 delinquent bill in the first place BEFORE even cutting a check to pay them? Hmmm, could it be that you were hoping to get this faux pas paid without much fanfare or input from your husband? The way destiny works out, your husband found out about it anyway, because the account is now overdrawn and no more available funds can be used for ATM purposes until you get this fixed. All because of YOUR FAILURE to communicate! You can't make executive decisions about finance without the other spouse's input, because, as you can see, it leads to a hot mess. What you need to do from this point forward is LEARN HOW TO COMMUNICATE problems first. You might want to get a stop payment on that 2nd check. But get this ==> the stop payment will cost $20. So, in all, you spent $60 in FEES to try to avoid a necessary conversation with your husband about $190! Good grief! Life. Eventually you will get this straightened out. You and husband need to take a class in maritabl communications and basics of finance, to learn how to avoid this happening again. There is the challenge of fixing a problem, and there is the challenge of figuring out how to avoid that same problem happening again. You are digging yourself into a hole deeper and deeper. You cannot trust some company to do what their rep on the phone said they would do. You do not owe $ 190. You owe that plus interest. You owe that plus charges for mistakes that you and your husband collectively made by not knowing how to manage a joint account properly. |
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