I sold my business May 31, 1913. The year before I was persuaded to switch merchant banking card services to IRN. When I enrolled, there was a paragraph stating there was an "early cancellation penalty" if I stopped the services hefore the 3 year contract periodl. At the time the sales representative added an addendum to that contract saying that if I went out of business or sold the business the cancellation penalty would NOT apply. When I called to tell them I had sold the business they told me I owed them $400.00. I told them that my contract had an addendum. They faxed me a copy of the contract they had on file which did not include the handwritten and initialed legal addendum. I faxed my copy of the contract and they agreed that I did not owe the money. Then 60 days later a company going by the name of NMBS drafted 131.12 out of my account. I had to go to the bank to sign an affidavit that it was a fraudulent unauthorized draft to recover the funds. Further they put a block on NMBS drawing any more money out that account. I also deleted ther overdraft on the account and reduced the balance to $49.50. Last month I needed to write a business check so I transfered $100.00 to the account. There was a $30.00 bank transfer leaving 19.39 plus $100.00 in the account. As soon as NMBS found that I had put money back in the account they snatched it. Today I went to the bank and they told me the way the illegal draft got through was that they changed the draft by 1 penny to $131.11. So, the computer could not block the draft. So, they are going to recover the money and I am being forced to close the company account. I would like to have kept the account to pay any taxes that may be due before the end of the year but these crooks/thieves are too adept at theft to let anyone keep an account. I suggest that no one ever do business with IRN merchant banking services. As soon as the Christmas holidays are over I intend to report them to the Federal banking commission to get them shut down.