What happens if an automatic payment is taken out of your account after a creditor has been told to stop?
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What happens if an automatic payment is taken out of your account after a creditor has been told to stop?
I once had it set up for payments for my father’s credit card payment to come from my checking account. I canceled it and 1 1/2months later they took the payment out of my account after I instructed them that I no longer wanted it that way. No one gave them permission to do this. Do I have a case?
Asked on November 3, 2010 under General Practice, South Carolina
Answers:
M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney
Answered 13 years ago | Contributor
Once automatic payments start they are very difficult to stop. You say that you notified the credit card company to cease the withdrawls. Did you do so in writing? I would do so again. And you need to notify your bank as well, although itdoes not always work to stop them. Additionally, it sometimes takes a few billing cycles to stop the automatic withdrawls. The paperwork you signed originally may have that information i it. Do you have the original paperwork? Your rights are outlined in it. And I hope that you have power of attorney for your Father to be doing all this. If not then Dad has to sign the letters himself. You ask if you have a "case". For what? To sue them for the money? It really all depends on the contract you signed which needs to be read. Good luck.
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