Recent content by cinderbeau

Thank you, the first actual answer to my question!!!!

So, this is exactly what I mean. I'm sorry I made any other responses. ClickPay says I need to pay $3 to transfer funds that is paid to ClickPay - but that's the only option I have. End.

I'd just like to add, if my HOA chose this company, and they agree this is the company to collect the association dues, and they pay them for it, they do pay them for that service of collecting this debt from the homeowners - then they paid them. I still don't understand how your response means...

Just a yes or no is sufficient

So you are an attorney, in Minnesota?

None of you are answering my question from a legal perspective

I'm quite sure my HOA pays them for this service, why should I pay twice?

Let me remind you - this is not a debit or credit transaction. This is an eCheck, an ACH transaction, and my bank CapitalOne assured me there was $0 charged for this transaction/withdrawal.

It is 2024, we shouldn't have to pay with check, or cash - and the fact is that it doesn't cost this company, ClickPay, $3 to accept my ACH transfer from my bank, it's free to them. I would actually imagine it'd cost more, logistically, for them to have to process a paper check. My issue isn't...

I appreciate all your responses, but I think it avoids the core problem.

I agree with you, and if it was $3 from my bank I'd absolutely agree. But it's $3 that a 3rd party has decided to collect, and that is absolutely beyond my control. I had a choice when I bought this house, and committed to this HOA, to pay the HOA fee - yes, I bought this house. But I didn't...

Neither, it's from the company my association uses to process payments. clickpay.com To further support, I have asked my bank, CapitalOne and they told me it is not a fee they charge for eCheck or ACH. Also the fee listing on clickpay.com just lists a $3 charge for any ACH, so based on that...

I'm in Minnesota, and I have paid my homeowners association dues with ACH from my bank account for years without an extra charge until last month. I understand a charge for credit card transactions, but is it legal for my HOA collection company to charge for ACH transactions? They don't...