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money taken without my permission from bank

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melissalpn



Joined: 13 Jul 2007
melissalpn's page
Posts: 1



165 Magic Points

Subject: money taken without my permission from bank
 
Posted on Fri Jul 13, 2007 1:03 pm  

I just reviwed my bank acct online and also had $49.95 withdrawn from account without approval to EVER PRIVATE CARD ! Can someone tell me what this is ?
Jo
Guest






 
Posted on Fri Jul 13, 2007 7:56 pm  

They just took out $1,611.87 out of my bank account.. I spoke to the company named on my bank & it was a person of the courts stateting a judgement was placed against me & the judge granted them permission to just go in my bank account & take out my money. I am so angry & frustrated out how a person can just go & take that amount of money out of someones bank account without knowing if they have children to feed, rent to pay, etc. Is there anything that can be done??? Help us BOTH...
Laura

Laura

Joined: 21 Jun 2007
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Posts: 1327



35804 Magic Points

 
Posted on Mon Jul 16, 2007 5:59 am  

Okay Melissa,

First go to the Customer Service and Refund Request Form website:

www.everprivatecardservice.com

Give them your name and email id. In the subject of the email, explain that you did not request their service and say that you do not need their service, and did not realize that you have authorized their service. They must respond to you the same day. They might try to pressure you, but if you reply to them and reiterate that you did not request their service, do not need their service, did not realize that you were authorizing their service, and want a refund, gradually you will receive a message asking for your address and informing you that you will receive a refund in about 10 days.

Incase they keep creating problems, then tell them that you will file a complaint with the Attorney General. It will be good if you provide them with the name..



Jo,

Go ahead and ask them to provide you with the legal documents first. If this is true. If they cannot provide you with the same go ahead and file a complaint with the Better Business Bureau. They will be able to help you.
_________________
Regards,
Laura.
carol

carol

Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California


30039 Magic Points

 
Posted on Thu Jul 19, 2007 5:01 am  

Hi Mellisa and Jo,

Do keep us updated regarding whatever you are doing. This has happened to my friend Charles as well. I would also like to know what has actually happened.
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Carol
Morningstar

Morningstar

Joined: 17 Apr 2007
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Posts: 576



11 Magic Points

 
Posted on Thu Jul 26, 2007 6:53 am  

Melissa, epc seems to be related to payday loans. From what I understand, consumers have applied for a PDL online, and they are automatically enrolled in the epc "program." Stay away from PDLs...they are evil, and are anything BUT a service.
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Laura

Laura

Joined: 21 Jun 2007
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Posts: 1327



35804 Magic Points

 
Posted on Mon Jul 30, 2007 3:56 am  

You are right Morningstar.

Ever Private Card is a company that comes into action if you have applied for a payday loan. Applying for payday loan online or not is like promoting the idea anyway. A payday loan might seem to be a relief at a first glance but it can completely destroy your financial position and your credit score along with it.

In order to get rid of this atrocious system and to get back the money you can file a complaint with the bank rather contacting EPC which would not be of any help. Every bank has its fraud department and I am sure that by this time everyone knows about EPC and its corrupt services. Talk to your bank, try and do a reverse payment if it is not late. Also open a new account and transfer all your money from the existing account to the new one. Do not forget to inform your employer about the change to get your pay towards the new account.

The baseline of the advice is STAY AWAY FROM PAYDAY LOANS. This will kill you and your future slowly and steadily.
Thanks
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Regards,
Laura.
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1883



1901 Magic Points

Subject: bank account
 
Posted on Sat Aug 18, 2007 5:23 pm  

Sounds familiar!! Just want to warn people about something else, similiar to this. Ambassador Collections..........this is a 'collection agency', for the PDL called Nationwide. When AC took money from my account, I 'disputed' with my bank. The bank DID come up with a #800, that was SUPPOSELY linked to AC. When I called it, the # was 'not in working order'. Becareful of PDL!!! They can get u in a mess!
Laura

Laura

Joined: 21 Jun 2007
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Posts: 1327



35804 Magic Points

 
Posted on Mon Aug 20, 2007 6:19 am  

Thanks a lot for the info Wendy.
_________________
Regards,
Laura.
Guest







 
Posted on Tue Aug 21, 2007 4:42 pm  

I don't think that they can attach or garnish without a court order. That usually means that the borrower IS aware of what's going on and simply decided to ignore the legal warnings and summons to appear.

It is the extremely rare situation whereby a person has their wages garnished or their bank accounts levied and that person is unaware of what's going on. Sorry...
Laura

Laura

Joined: 21 Jun 2007
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Posts: 1327



35804 Magic Points

 
Posted on Wed Aug 22, 2007 8:41 am  

I think that the bank account number had been given out mistakenly. That might have caused this trouble.
_________________
Regards,
Laura.
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1883



1901 Magic Points

Subject: PDL
 
Posted on Mon Aug 27, 2007 2:38 am  

Sicne PDL's are not legal, I din't think they could take you to court. Mybe I'm wrong. But, I REALLY don't think they can make you pay back all the % they charge you for the loan. Usually when a PDL takes a debit, from your account, there is a Phone # displyed right next to the PDL's name. If this 'Eversave' ( ?) is connected to PDL's, they should have a number. Call it and see what they say. If it IS a 'valid' #, then get information ( ie..person's name, where they are located, etc.) ANY PDL company has an obligation to tell you this information.
sally j
Guest






Subject: bank account
 
Posted on Mon Nov 24, 2008 5:36 pm  

i rang up to make a payment of £173, they took £491.07 from my account.. without my authorization.. my bank told me they took 173 and than 22mins later they cancelled it and took £491 from my account.. is there any where i can complain and take further action.. they have caused me so much inconvience.. i have had to cancell my cards and order new ones..
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



390 Magic Points

 
Posted on Tue Nov 25, 2008 12:56 am  

Can't you file a dispute with your bank, I have had this happen to me and it was my bank that got the money back for me. Go talk to the person who is in charge of the accounts, normally it is the head teller that will pull the appropriate paperwork and have you sign that you did not authorize this transaction. Goodluck and keep us updated on your situation.
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Subject: bank taking money out
 
Posted on Mon Mar 09, 2009 1:10 pm  

can a bank take money out my account without my permission to pay loan
carol

carol

Joined: 27 Jun 2006
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Posts: 1299
Location: Los Angeles, California


30039 Magic Points

 
Posted on Tue Mar 10, 2009 6:41 am  

If the creditor has brought judgment against you to garnish your bank account, the bank can take out money from your account without informing you. However, if you have provided your creditor with your bank account number, routing number and have authorized them to withdraw money from your bank account by signing the terms and conditions while applying for the loan, the bank can take money from your account.
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Carol

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