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BMO Savings Amplifier Account Review Pros and ConsItem is being returned we may place a hold on the funds in your Account to recover the amount of the Item when the Item is returned to us. , No Agreement Existed - Business/Personal Refused, The payor has requested the debit to be returned as they have not signed a PAD agreement authorizing the. A returned check means that the check payment did not clear the bank account of the payer. The check payment may have been rejected for a variety of reasons.
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