I had an account with Total Merchant Services up until April 2008 when I cancelled my account. I was let out of my contract early because I was unable to keep my business going due to health problems. I was cancelled with no fees per one of the managers at TMS since I only used their terminal 2 times and they had been charging me $50.75 every month for usage. I sent back the terminal to the address it came from and never heard anything else from them. In September of 08, while I was on vacation, TMS withdrew $150+ from my checking account. I had my bank do an investigation into this situation. They put a hold against anything that would come through for TMS again and credited my account for the $150+ that was withdrawn. I had been in contact with TMS at this time as well and they seemed to not want to help me with this situation, so I left it up to my bank. Just yesterday, 10-13-08, TMS once again dipped into my checking account without permission and took $750! What do I do now? I have no money, my account is overdrawn and I have checks that have not been cleared from bills I have paid over the weekend! I am going to my banking institution today to try and take care of this & transfer to a new checking account. Do I need to get a lawyer?? I need HELP!