试想，你自己的个人信息也不愿随便让别人知道，对吧。关于第二条stop payment，按理应该同该同公司联系取消pre-authrized，但鉴于你说的该公司已关闭（是否是同一家公司？如已经关闭它又如何从你帐上扣钱？）建议去你的开户行交涉，即使你的visa不是在branch申请的，他们也有责任和义务帮你解决问题。不用发火，calm down才能好好解决问题，何况你急他不急，对你自个儿也没啥好处。

TD requested a telephone interview to grant me a Line of Credit. after the interview, they rejected my application because they could not communicate with my wife in English. I filed a complain with their Customer Service department right a way, indicated that this is a racial discrimination against minority. They rejected me not based on my credit history, not based on my ability to pay back, but on language. Every bank now has Chinese language services. Having language barrier is not our fault. The manager put me on hold over the phone, and found a Chinese clerk in 5 minutes, conducted another interview with my wife, proved right over the phone.

Department clerks have limited authority. In such case, call their headquarter or manager to resolve the problem. No bank wants to leave an unpleasant image to their client.

1. Please check your long distance call company. If it still GLINK, phone BELL to chang it back and lock it. (BELL is still 17cent/min to China). BUT YOU HAD BETTER TO PAY GLINK FOR THEIR PREVIOUS SERVICES. You can sue them later.
2.If you never got any services from GLINK, call police. That is another story.
3.Usually you have to inform companies which you signed preauthrized bill by yourself. If you close a bank account but do not inform them, they can not get the money with your preauthrized signature, they may have right to sue you. This will give you very bad credit history.
4. Do not ask your bank or credit company to reject any payment, even they can do so, they will still leave a record which MAY effect your credit later.

我上个月突然接到TD VISA 的电话,说是我欠了他们很多钱,要我还.可是我根本就没在TD开过帐户,也没有信用卡.我跟他们申辩,他们不听,还说要在信用局里给我记一笔.
后来我去TD的BRANCH找客户代表,她们逐一核对我的生日,地址,电话,全部都一样.把我急得跳脚.这怎么可能呢?最后我们在核对TRANSACTION的日期,结果是1998年!1998年我还没来加拿大呢!我最后是凭着护照才证明这不是我的帐单.可能是有一个人的名字跟我的一样,这个人欠下一堆债就跑了,TD VISA 找不到这个人,前段时间我向他们一个分行询问了一下房屋贷款,填了一张表,结果TD VISA 就私下更改了那个人的资料,用我的资料来充.
我就在不知不觉中差点当了冤大头!幸运的是我能证明我根本1998年不在加拿大,还有我没在TD CANADA TRUST开户,否则他们就可以随便冻结帐户或是随便提钱走.
所以说,大家还是要小心一点,不要随便暴露个人信息.TD CANADA TRUST也信不得.