on march 3/26/2007 I applied for a loan with first bank and trust. I was told it would be with a bank. after reading the papers on April 2nd 2007 opt out of arbitration letter as out lined in the papers.
On 5/23/2007 I sent a certified letter to them to stop the ach withdrawls from my account. They signed for it
5-19-2007 but still attempted to do the ach which caused me to be overdrawn.
On 6/6/2007 they sent me a bill for $15.00 for the ach not going through. They started calling me 6/2/2007 and the calls got worse and worse. the began calling my job and was told by my boss I could not except calls at work. But they continued. They called my references even after they told them not to call them any longer. i have been cussed at and threathened by them. I have received calls after nine at night.(10:36 pm and i have a phone bill to prove that)
i received a letter they plan to go to Arbitration even after the notarized letter sent 8 days after the loan opting out.They have broken numerous laws. I advised them I was recording all future calls they would tell me I didnt have there premission and hang up. I have went to the Federal deposit Insurance consumer Protection division 2345 Grand Boulevard Suite 100 Kansas City MO 64108 1-800-378-9581 and would advise every one to keep records of all the actions and file a report with them. They are there to keep companys like this from breaking the laws and protect consumers. there are laws out there to protect us you need to stop these people.
Everyone file a complaint with then and record all calls that is your right they are calling you. keep good notes on there actions and any letter sent to you and the names of who they claim to be. help is on the way but you all need to join in and help yourself. they truly do beleive they are above the law.