Complaint Review: Xpress Cash - PD6 Ventures

A couple of years ago, I received a PDL from these people. It was never my intention not to pay them and I, in fact, made payments to them. However, my personal life took a dive for the worst and I was forced in a Chapter 7 BK, after my significant other left and dumped a ton of debt on my doorstep that I had no ability to pay. I included them in the Chapter 7 matrix and was discharged on March 6, 2006.

Yesterday, a year+ after my bankruptcy has been discharged and I have moved from the state where the payday loan was even generated, my checking account, which is NOT the same checking account I had previously, was debited 160+ dollars sending my account into overdraft. I contacted the 800 number as directed by the bank to no avail. The jerk I spoke with was rude, told me I was a thief and that I better get an attorney.

I filed for unauthorized charges with my bank and am awaiting the outcome. I am livid and broke. In the first place, they had no right to take money from anywhere. In the second place, they have certain legal steps that they must take to recoup a debt if a BK had not been filed. What other repercussions can I levy? I have also filed a complaint with the Federal Trade Commission.

Phyllis
Chesterton, Indiana
U.S.A.