my husband and i set up with nco for auto pay for our hospital bill, our funds are limited we were in a ch 13 which most of our money was gone befoerwe ever saw it. unforunately after we filed several things happened and we both ended in the hospital a couple of times. they called and harrassed us unreal and when we told them our financial plight they were rude.

finally this year 2004 we had made progress with the bank we were dealing with she suggested we start paying the hospital to help our credit score as were going for a home equity loan. we set it up for a set amount for the first of each month the first 2 monthes were ok then it happened the first time they double dipped my account when i called then i was told "put it toward your bill, there is nothing they can do, or wait 90 days". i went to my bank and filed a dispute form got my money back, i was also told by nco that it would not happen again. on dec 10 2004 our loan officer called them for asettlement payoff which then a check was issued for them. we paid off our ch 13. on dec 13 they took out a payment even though they knew they were getting a check plus they were only supposed to take it out the 1st of the month. i called to make sure they got the check and made sure auto pay was canceled i was assured it was. then on jan 4 2005 they got into my account again and double dipped i called them and again i was told sorry but there is nothing they can do i talked to lisa r a supervisor she said it would take 90 days t oput the money back into my account i went to my bank and they said because they would put the money back they could not do anything either. visa rules on check cards. i called lisa back and told her i want my money back now instead i was told it will be 90 days to me that is stealing. advice do not do autpay with them do not give them any access to your accounts the are not honest it is feb 17 and iam still waiting ps lisa said they never double dip i informed her real quick it was not the first time for me.

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