I got a letter from my bank that my line of credit and credit card will be sent to a collection agency. The letter stated I had 15 days from the date of the letter, which was Oct 9. I got the letter yesterday, giving me 5 days to get the money, so I called. It turns out that they tried to take over $500 from my account (all from same bank, and also my employer, so they tried the day after pay day). No notice that they were trying, or that it failed. Fortunately the money wasn't there (I was told I must have spent it, but they can see that my mortgage payment came out and that's where the money went). I'm in Ontario, Canada and I'm just wondering if that is legal? They've already taken money from my son's account (which is on my bank card and is a savings - he is only 7) without my authorization to cover an overdraft. What is going on here. There is money in the account because I have bills to pay and that there is money coming out automatically, or a check has been written. Do I have to take all my money out and only put in when I have money to come out? A little peeved and very worried!!
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