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Canadiandggal

CIBC SUCKS!!!!!!!!!!!!

By Canadiandggal in Canada

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Canadiandggal Proficient

Canadiandggal   49

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Filed: IR-1/CR-1 Visa Country: Canada
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I am so angry and disappointed and I feel like a piece of ####### at the same time.

Long story short I had a 6000 dollar lawyer due to my custody battle with my sons sperm donor. I have paid him off and im down to 695.55 YAY. So My Nana puts 600.00 into my CIBC account on Thursday so I can send My lawyer a large payment to pretty much pay him off.. Seeing how on friday I have to pay a few thousand dollars to refinance the damn car, I dont have the money for the time being.

Anyways I wake up this morning to send my lawyer a email bank transfer of the money to find out that my CIBC account balance is 0.00? HOW?

When I moved I had a credit card from cibc which I have been paying but I have missed the last two minimum payments and really haven't thought about it.. SO much going on right now.

Anyways The CIBC VISA department sent me to credit collections and therefor they took EVERY cent of my money, not just the two minimum payments EVERYTHING. IS it my fault YES because I should have just paid the damn minimum payments but seriously they can just random transfer money from your checking accounts. Now I have no clue what I am suppose to do , Call my nana and tell her that her grand daughter is a complete idiot and that I screwed up? Tell my lawyer that im a tard and cannot afford to pay him for the next few months.

ERRRRRRRRRR

Sorry needed to vent!

Edited by Canadiandggal

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SapphireDreams Experienced

SapphireDreams   71

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That's terrible! I didn't realize they could do that! I 've heard of something similar happening with student loans, but never a credit card.

This is probably not the best way to deal with it, but can you use the credit card to pay your lawyer? At least you can get that paid for and then just continue the minimum payments.

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Ontarkie Grand Master

Ontarkie   14,272

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I was thinking the same thing.

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Canadiandggal Proficient

Canadiandggal   49

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No Because the moment they put my Credit card as "collections", they cut the thing off as well. SO they took my money and I cannot use the card.

~~~Marriage : 2009-07-10~~~

~~~I-130 Sent : 2009-11-24~~~

~~~ Medical : 2010-09-28~~~ ~~~ MTL Interview : 2010-10-20~~~ ~~~ APPROVED~~~

~~~POE Date :2010-10-31~~~ ~~~Received SSN's 2010-11-08~~

~~~Welcome Letter/Notice Receipt :2010-11-30~~~ ~~~Received Our Green Cards 2010-12-06~~~

~~~ ROC :2012-08-20~~~ ~~~NOA1 :2012-08-28~~~ ~~~BIO :2012-09-25~~~~

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SapphireDreams Experienced

SapphireDreams   71

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No Because the moment they put my Credit card as "collections", they cut the thing off as well. SO they took my money and I cannot use the card.

Ugh, that's super annoying. I would be so pissed. I'm guessing the bank has a right to take the money somehow in their fine print.

I would call and find out how long it takes to unfreeze your card from missing the payments. They don't freeze it forever once you catch up. When you know that date, I would call the lawyers office and work out a date with them. I'm sure they'll be okay with a later payment date if you give them a heads up.

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Canadiandggal Proficient

Canadiandggal   49

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Ugh, that's super annoying. I would be so pissed. I'm guessing the bank has a right to take the money somehow in their fine print.

I would call and find out how long it takes to unfreeze your card from missing the payments. They don't freeze it forever once you catch up. When you know that date, I would call the lawyers office and work out a date with them. I'm sure they'll be okay with a later payment date if you give them a heads up.

Lol you are right I shall give them a call however at the same time.. I dont want the damn card anymore lol

~~~Marriage : 2009-07-10~~~

~~~I-130 Sent : 2009-11-24~~~

~~~ Medical : 2010-09-28~~~ ~~~ MTL Interview : 2010-10-20~~~ ~~~ APPROVED~~~

~~~POE Date :2010-10-31~~~ ~~~Received SSN's 2010-11-08~~

~~~Welcome Letter/Notice Receipt :2010-11-30~~~ ~~~Received Our Green Cards 2010-12-06~~~

~~~ ROC :2012-08-20~~~ ~~~NOA1 :2012-08-28~~~ ~~~BIO :2012-09-25~~~~

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~~~Do not argue with an idiot. He will drag you down to his level and beat you with experience.~~~

SapphireDreams Experienced

SapphireDreams   71

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Lol you are right I shall give them a call however at the same time.. I dont want the damn card anymore lol

I feel your pain. I recently paid off my Canadian credit card and did not activate the new card that came in the mail ocne the old one expired.

I can't wait to be finished paying off my student loans so I can just close my Canadian account! I hate that I have to pay a fee every month for an account I use to make 2 payments on!

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edsotherhalf Enthusiast

edsotherhalf   1

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Get a no fee account. I have one for when travelling to USA. You are allowed two transactions free per month and there is no fees at all on teh acct. Its with Royal Bank.

I feel your pain. I recently paid off my Canadian credit card and did not activate the new card that came in the mail ocne the old one expired.

I can't wait to be finished paying off my student loans so I can just close my Canadian account! I hate that I have to pay a fee every month for an account I use to make 2 payments on!

Kimbear Experienced

Kimbear   53

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i don't know if you can do this with your credit cards, but i have a TD VISA, that i've been making minimum payments on..well trying to put at least 10 extra plus the minimum. Anyways i get a statement saying I'm being charged a yearly annual fee etc etc..so i called up and had them close it.

its still active for me to make payments on, i keep my low interest rate i had, and i can still call in to find out balances etc. BUT i no longer have to worry about extra fees. And i still get a statement in the mail every month.

Also i was told i had 15 days past my due date to get a payment in before it would be considered late.

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