Electronic Checks

[DianaLR]

We have a car loan. In the past we have paid in a variety of ways. Check in the mail or electronic transfer. When we paid by electric transfer from our checking account - it was done on a month to month basis over the phone. We never signed anything and it was a one time deal each time - we had to call in each month if we decided to do an electronic check.

We were late last month so they automatically deducted it without me asking them to. We let it slide but they have done it again this month and now I'm mad. Can they legally keep taking the money from our account without our permission? I never set it up to be done each month - it was just one of the ways I have chosen to do it in the past.

Our rent is due today and now I do not have the funds - I was planning to pay the car next week.. a little late but regardless, it was going to get paid. The late fee for my rent is much higher than the late fee on the car - now I'm screwed but I thought they could not legally take money without my permission?

Thanks in advance for your help.

 

[seniorjudge]

Did you sign an agreement allowing them to do this?

In any event, ask them to show you in writing where you agreed to allow them to do this.