How do I stop companies from putting my check through as an ACH debit?

I like to pay by check so I can save my cancelled checks for my records. I use the memo line to notate my account number, what the payment is for etc. I am having problems with two companies putting my checks through as ACH debit so I do not get a check back. I do not even know what happens to it. These are both for loans. For one I sometimes pay a little extra on the principal. They have a policy of applying excess to future payments unless you notate that it is for the principal. I would write on the memo line what portion was for the monthly payment and what was payed towards pricinipal. Well, I don't get the check back so I have no record of how I wanted my payment applied and it has been applied to future payments not principal. With the second company, I sometimes send two checks, one for the monthly payment and a second towards principal. Again, I have the same problem because I do not get a cancelled check to prove what I was paying in the event the payment is applied incorrectly. How can I stop this so I can get my cancelled check back and they stop processing the payment as ACH debit?
Answer:

Don't pay by check. They may use any method they want. Banks have stopped returning checks, too. They send copies. If you bank is still sending the checks, it will soon stop.

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Other answers

what the company does they do a direct bank draft using your routing and checking info located on the check they dont cash the check that is why they come out as an ACH debit is like a check by phone transaction

Your bank should have a copy of the checks. You would probably have to talk to them to get the debit pymts changed. They would at least be able to tell you how make the companies stop doing that debit pymt.

Each company should have an alternate address for you to send your payments to, to make sure you still get your cancelled checks. I work for one of the largest credit card companies, and we normally process our checks through ACH, and we have an alternate address for those who request it. Call your customer service and ask for a seperate address. It isn't a common request, though, so the rep might have to do a bit of checking around to find the address.

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