I attempted to set up an automated payment account with my credit union from my bank account for my vehicle payment. The account was not set up correctly. The funds for the payment did not leave my account. I made that payment by check. The credit union is stating that with the attempted transaction, I owe them money, stating I made a withdrawal from the credit union. I did not have a share/saving account with them to take monies from and I have provide them with 3 months of bank statements showing that monies from them did not come into my account. The credit union will not accept my pay off balance or release title for this vehicle until I agree to pay them the disputed amount plus interest they are adding on daily.
Not enough information is furnished to answer with certainty. Take all of your documentation to the credit union and speak to a supervisor.
Although AVVO describes this site as providing free legal advice, it is really a simple Q&A forum. The volunteer attorneys provide general answers. No specific legal advice is given here and no attorney-client relationship is established. For precise direction and legal advice, please consult in person with an attorney in your area. Be sure to bring all relevant paperwork with you.
Judy is correct more facts are needed,Seek a Lawyer .
No attorney client relationship has been formed until you sign a representation agreement.
Start by speaking to a supervisor at your local branch. Often times a supervisor can assist with the waiving of fees and collections.
If you dispute the amount owe and they are not willing to work with you, then you may not have any other recourse than to contact an attorney to make a demand and if no action is taken file suit. Often times, it is more economical just to pay the debt then bring a legal action.
Nonetheless, Time is of the essence. Use the AVVO find an attorney feature to schedule a free consultation.
Please mark helpful or best answer. Communication of information by, in, to or through this Web site and your receipt or use of it (1) is not provided in the course of and does not create or constitute an attorney-client relationship with Christina A. Fiallo, Fiallo Law or its affiliates, (2) is not intended as a solicitation, (3) is not intended to convey or constitute legal advice, and (4) is not a substitute for obtaining legal advice from a qualified attorney. You should not act upon any such information without first seeking qualified professional counsel on your specific matter. The hiring of an attorney is an important decision that should not be based solely upon Web site communications or advertisements. A debt relief firm. We help individuals find federal or bankruptcy protection under US Code 11.
Years licensed, work experience, educationLegal community recognition
Peer endorsements, associations, awardsLegal thought leadership
Publications, speaking engagementsDiscipline