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Twinkie is right, what your contract says is a key issue here. Many banks do include language in the contract that allows this.
But I'm a little confused here. You say you owe them $3K in overdrafts? What type of account is this? Did you have overdraft protection? On that account? Normally such protection involves an interest rate until its paid back. So it really makes no sense to charge your credit card for the amount. I think you need to explain the whole story behind this. I'm more confused then ever. Someone stole WHAT card? Your credit card? Did you report it? Why would they want to charge your credit card for overdrafts made against it? Please give us the straight story. |
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A guy I know stole my bank card. I didn't report it until 3 days later. Somehow he managed to rack up 3k$ in fraudulencies. It went down as overdraft. I went in to the bank to clear it and they said they cannot help me clear my name because I was careless with my card. Originally I was told I have until the end of September to pay everything back, which I have no problem using my student loan to cover. But they held on to my welfare cheque, which put me and my child in some problems seeing how rent is due, I'm getting threats to get evicted. But luckily I had just gotten approved to get a credit card... What the bank manager from my home branch by the manager did was move all the money from my credit card into the account I had overdraft... When I called and inquired they told me that I made the transaction, I showed them that I didn't do that and they said it was made at my home branch... I was told that the bank cannot do that unless I request it or give permission...
No I don't have overdraft protection. |
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 Originally Posted by SaddestDay
To be straight forward, this is NOT the same story you have posted before. The last time you posted this question (1 of the 3 threads you've now started about it) you cashed checks for someone and the checks were fraudulent. Now it's a different story. Unless you are willing and able to tell the whole story, exactly as it happened, you are doing little more than taking up people's time for whatever purpose. You are going to get half right legal info because that same legal info is based on half truths. I personally think this was a scam and your partner turned on you but, hey, that's just my opinion based on seeing more than a couple of these "situations." You are fortunate you are not in the US because you would either be sitting in jail or out on bail. |
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Ok, so this is not a credit card, but a debit card linked to your account?
Not sure what Canada law is on this, but in the US you would only be responsible for $50. How did you report it? Was it reported after you were made aware of the charges or before? Do you have a police report? If there is a police report of this, then, you should be able to get the bank to remove the chanrges. |
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Truth is, yes there's fraud, yes the guy stole my card,
Yes I talked to a manager, she gave me till the end of September Yes they held my welfare and now they've took everything off my credit card Yes I reported my card stolen, yes they said I'm still responsible for funds missing Nothings really changed, it's just different parts |
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