@Anonymous wrote:
"If you do not have an active relationship with them (direct deposit set up, money invested with them) you are setting yourself up for failure. "
Setting myself up for failure? Not exactly....i actually have other accounts set up and i dont just only look to them for my success-there are other ways of being successful. I'm pretty sure some people dont know until they inquire. I moved from where i was and i wasnt getting my mail and it wasnt getting delivered. So maybe thats the reason. SEIZED? i think garnishment would be the correct term......
You can call it whatever you want, but:
1- garnished is a legal term and it involves a court action.
2- "Deducted" is what most people banks call taking funds from one account you own to pay shortages you have generated in another.
Either way I call it "Seized" since you have no real control over the process.
And moving or not- you changed phone numbers/did not get forwarding mail/never logged into your old account?
'cause NFCu has never had a problem getting ahold of me.
You can call it whatever you want but it remains that you left an institution with monies owed and they simply can choose not to do business, or limit what type of business to do with you 'till you settle up and pay what you owe. And even then they can still black list you because the question they ask is: whats stopping you from doing it again?
As to "success" or "failure" my comments were directed to the chances of you getting approved for a loan, not directed to a general statement of how your life will be viewed by yourself or others.
The question I do ask is did you make good to the people you bounced checks on?
And yes NFCU, expecially with people with credit challenges, DOES seriously take into account if the person is actually using their banking services on a whole or just trying to pump them for a loan.
