On January 9, 2007 I got a call from Central Credit Services. The woman told me I had a debt with a credit card. I have never had a credit card in my life. Anyway she told me that they were going to take a bank transfer out of my checking account on January 31, 2007. She said she had the routing number and checking account number from my bank. I said that there would not be any money in my account on that day. The lady said too bad. I said I am not going to authorize a transfer on that day. She said doesn't matter we are going to do it anyway. I got a notice on January 19, 2007 that they were going to remove the money from my account and that I had authorized it. I went to my Union Bank local office on University Avenue. I told the manager what was happening. I told the manager at the time that I did not authorze this transfer. He told me not to worry he would make sure that it would not happen. However on the morning of January 31, 2007 I check my bank on line and saw that I was over dran by $450.00. the next day, the first, I saw that my rent check bounced and the cable check and about 18 check I had wrote to the corner store all bounced and each produced a service over draft charge of $42.00 need less to say I spent the next month pennyless. I was evicted on February 28, 2007. Me and my husband were forced to live homeless for seven months.
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