Can a company take $ out of your bank acct. without authorization?

Question

I wrote a check to a vet and I asked them to hold it and then they didn't. It went through, bounced came back and then got paid by my bank cause the $ was finally there, I paid the over draft fee from my bank and was good on my end. I than noticed that another check was about to bounce and was very curious as to why cause I knew I had positive balance. Well here to find out that the vet wrote another check with our routing # and Checking# with the same check # that I had wrote on it in the amount of their fee of $25. Well I only live from pay check to pay check and that 25 dollars threw me off. The check that was sent through had on it "authorized by your depositor, No signature necessary, Pre-authorized by your account holder. Well the account holder was me and it was not authorized!! Can they do this? It's one thing for them to call me and warn me but they just did a check on their own and sent it through. Can anyone please help me on what I can do about this? Thanks!!!!

Answer 1

Banks are funny. contracts are drawn up, agreements made, hands shake nods and stuff. funny.
sounds like you need to speak with the bank or that doggy person and get some monies replaced. with interest.
Yes they can do this as long as you allow or actually pay them to.
laws a funny thing, financial law is hilarious , banks are funny.
call an attorney that practices law in your area and consult with them.

Answer 2

Actually, they can do that. The best thing for you to do is to go into your bank and see if you can dispute the item but being that their policy is to collect a fee for returned checks, I think it's gonna be legit. In the future, don't write a check unless you have the money. Don't ever trust people to hold your check. Post-dated checks are not the repsonsibility of the bank to check. It sucks, but it's true. Sorry and good luck with your finances!

Answer 3

ITS THEIR BANK RECOVERING "RETURN CHECK FEES"
YOUR BOUNCED CHECK HAD TWO SETS OF RETURNED FEES--YOURS AND THEIRS....
YOU PAID YOURS AT YOUR BANK AND NOW THEIR BANK'S RECOVERING THEIRS...
BAD CHECKS ARE COSTLY....