SKS Associates Northern Leasing Systems, Inc SKS Associates Ripped-Me-Off-2 and Charged My Checking Account, Internet

You have recourse here.



Under Reg E, your bank MUST return that money to your account if you never authorized it.

This should be easy as you did not even know who SKS Associates was, so it would be obvious you never authorized the deduction. Do this right away. Go to your bank IN PERSON and speak with the BANK MANAGER and ask for assistance under "Regulation E".



Also file a police report in both your jurisdiction, and that of SKS Associates. Look them up.



Then file an FTC complaint at ftc.gov.



Also file a complaint with the FBI.



Go speak to the DA and request criminal charges be filed.



The action taken against you was CRIMINAL. If the action taken was taken across state lines, it becomes FEDERAL.



Also keep in mind that if this is a collection action by any third party collection agency, they have broken other laws and violated the FDCPA.



If you live in GA, the "statute of limitations" on this "debt" had most likely run out already which made the "debt" legally uncollectable.

When I read your update I realized I had also received a similar call (someone really hard to understand, having a foreign accent, saying they were updating their information for some sort of free directory).  If I remember correctly I received that call a couple days before they stole the money from our account.  I responded basically the same way you did, told them nothing & said I wasn't interested in being listed in their directory.  I have also been having a ton of "hang up" calls on our business number lately.  We don't have caller ID so I have no idea what numbers have been calling us.  I'd be willing to bet these calls have been coming from SKS!

After I posted this Original Report, I remembered that on Tuesday, March 29th someone with an Indian or Packistanian accent called my home residence, asking me to verify a directory listing for the business we closed back in 2000.  When I asked him to identify himself and the company he represented, I could not understand his comment due to his accent.

I told him that the company was no long in operation, or doing business. He kept insisting for me to verify address and phone numbers for this company and that he was not selling anything and it was for a free directory listing. I did not provide him with any additional information. I repeated myself telling him that the company was no longer doing business. I was short and to the point and ending the call by saying, "We do not want to be listed in any directory, thanks and goodbye."

I wonder if this was someone from SKS Associates checking to see if my home phone number still worked and that someone was still at this residence, so they could attack my pesonal checking account because they had the account number on file back in 2005?

They charge an ACH Debit to my account the very next day on March 30th, 2011.