Parenting

Do they care WHY your bills are late?

Last weekend (as in 10-ish days ago), someone hacked into our bank account and electronically made 20+ ATM withdrawals in 45 mins. without using our card, cleaning out our account and thensome- all from another country.
The bank, obviously cancelled our cards and and ordered us new ones, and gave us some cash for gas/groceries to get us by (which is almost gone), but they said it could take 10 business days to get our money back. Well, when we realized that our money was gone, we were getting online to pay bills- so now they're late. We are seriously stressing over how to pay them. It's not like we can't afford to pay them, we just can't access our money until the bank completes the investigation and puts it back! We don't have a credit card to pay them with.

Can we just call them and explain what happened and let them know we should have our money back next week or so? Or do they even care?

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Re: Do they care WHY your bills are late?

  • I would at least call.  The bank should be able to give you something as well as proof that your account was compromised and that they are holding funds for however long. 
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  • Definitely call and let them know what's going on.
    imageimage
    Alex (11/14/06) and Nate (5/25/10)
    "Want what you have, do what you can, be who you are." - Rev. Forrest Church
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  • A couple of months ago, my bank, for no apparent reason, recinded a large deposit I had made.  By the time I noticed and it got cleared up, a few things had bounced.  They refunded all their bounced check fees to me and gave me a letter to give to the companies so that I wouldn't get bounced check fees from them.  I don't think anything ended up actually late, but if I were you, I'd call and get them to work with you and your bank.
  • They would be able to document your situation in your account.  You may still get late notices, but chances are they will give you a 10 or 15 day grace period. 

    And LOVE your siggy -  awesome pic!  

  • Ok, thanks... time to call!

     

    And thanks, jetta!

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  • 4Speedy4Speedy member

    imagekatie277s:
    I would at least call.  The bank should be able to give you something as well as proof that your account was compromised and that they are holding funds for however long. 

    This.  Years ago, when I was in college, I worked at a bank.  We used to have a form letter that we could give to customers that said funds were not available due to fraud and was through no fault of the account holder.  You can make copies of it and mail or fax it to the companies you owe.  They can make some sort of notation on your account so it is not reported on your credit history and they may waive any late fees.

  • That seems odd of your bank.  I had the same thing happen, and I just had to go to the bank and tell them what payments to pay.  I had to file a police report, but once that was done, I was fine.  Can you pay your payments with a credit card for the moment, then when you get your money back, pay the credit card.  You might be out a bit of cash, but it would be worth it for some bills.  I would not worry about things like the water bill, which don't usually effect credit, but my mortgage, min credit card, and car payment do and I would get those paid, even if I had to borrow money for a week or two.
  • I would definately call.  I work at an animal hospital and while its a small business verses a lot of large businesses you are probably dealing with we are much more flexible with clients who call and explain their situation and tell us they are trying then those who just ignore our statements. 
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