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Can I fight my bank?

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stan_parsons



Joined: 09 Mar 2010
stan_parsons's page
Posts: 2
Location: Michigan


46 Magic Points

Subject: Can I fight my bank?
 
Posted on Tue Mar 09, 2010 2:20 pm  

Back in 2003 I bounced a check "Huntington Bank" wish was to be for a loan payment, also huntington bank. I payed the extra charges, but today I am still being charged for it. Over $2,000 in late fees. I been paying on this loan "$7000." for 10 years.
I have 4 payments left, but still owe them $5,000.
I borrowed the $7000. to pay off my house. At the time I was still working. Shortly after that I was put on disability, and my income droped. I would pay at times extra a mouth, put still got charged a late fee. Can I fight this?
fireyone



Joined: 26 Feb 2008
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Posts: 4246



140 Magic Points

 
Posted on Tue Mar 09, 2010 3:39 pm  

Hello Stan, Usually banks keep pretty good records. Do you have any proof showing that you paid the extra charges? If so I would take that documentation down to the bank. I would think it would be better to go down to the bank and ask where the late fees are coming from and what you can do to resolve this issue. Its pretty hard to give any good advice until you get some of these answers. The bank manager should be able to pull up your account and review it with you.
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: talk to the bank about the extra charges
 
Posted on Wed Mar 10, 2010 5:15 am  

Hi Stan,

I agree with fireyone. If you have proof of payment of the extra charges, you can talk about it to the bank. However, before that make sure that you have paid all that you owed along with the extra charges. Get in place all the old statements on the account. Add all that could be considered as the extra charges.

Hope this helps.

Regards,

Aaron
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cinnamngrl



Joined: 01 Nov 2008
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Posts: 1320



6419 Magic Points

 
Posted on Wed Mar 10, 2010 12:57 pm  

I would complain to the OCC.

https://appsec.helpwithmybank.gov/olcc_form/

Helpwithmybank.gov helps you find answers to your National Banking questions. Use the shortcut keywords below to visit the category that interests you, or use the search window located at the top right corner of every page.

these kind of charges got BofA sued.
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NightStar



Joined: 10 Mar 2010
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Posts: 142
Location: Illinois


3176 Magic Points

 
Posted on Thu Mar 11, 2010 12:43 am  

This is not a good position to be in, I am thinking what happened here is you got behind on the payments and it is not current. You have been paying, but have you brought the balance back to current what should be left today.

If you fall behind you are suppose to pay all of the amount missed and all of the late fees included. Otherwise they can continue month to month still saying that you are late.

You need to go to the bank to find out if this is the case. Next question is have you seen your credit report, it is showing more then one late? If it was not for this I would say to apply for a new loan and transfer the balance off of this account to stop the increasing late fees. But the damage might be done, making it now hard to do that.
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cinnamngrl



Joined: 01 Nov 2008
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Posts: 1320



6419 Magic Points

 
Posted on Thu Mar 11, 2010 11:33 am  

Nightstar, I do think stan feel bad about this, let's not drag him down. It seems that the fees and interest are pretty high, and he does have a right to get this investigated by the occ.
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stan_parsons



Joined: 09 Mar 2010
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Posts: 2
Location: Michigan


46 Magic Points

Subject: Can I fight my bank?
 
Posted on Thu Mar 11, 2010 12:53 pm  

Thank you for your reply(s)......yes I have proof..and will contact OCC.
NightStar



Joined: 10 Mar 2010
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Posts: 142
Location: Illinois


3176 Magic Points

 
Posted on Thu Mar 11, 2010 2:54 pm  

Huh? I was not being condescending, I would never do that. I am sorry Stan if I sounded that way. I just like to talk through asking if what I was speculating was what happened.
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