Sky Warner Posted March 22, 2003 Report Share Posted March 22, 2003 I have a defaulted Student loan that I have been TRYING to make payments on.Back in Spet I did a check by phone cause they told me that was the ONLY way I could stop them from taking my IRS refund so I agreed.Later, after calling the Dept of Edu. I found out that I could just mail my check and things would be fine. Well to make a long story short, they cashed the elec debit anyway and I got overdrawn.Called them and told them I was having trouble since I was separating from the hubby and told them I couldnt pay.. nothing was ever said.,Called in Jan and told them I could start paying again and sent a check for 35 which was the payment amount agreed on for 2-27.They got the check on March 6 ((That was when they credited it)) and then called to ask me to do direct debit. I refused.Called the Dept of Edu to find out why I keep getting $7 penalty fees now.. they say call the CA so I did.They tell me that unless I do direct debit they can charge me this 7 bucks a month.AND they changed my due date on my payment. Now the way they have it set up... I will miss a march payment and its going to look bad.What do I do???I dont know what to do since this is a student loan. I sent a validation letter with a Cease and Desist but I dont know what to do since they are working for the Dept of EduAny Advice??I'm TRYING to do the right thing and they are penalizing me for it Link to comment Share on other sites More sharing options...
kimber6337 Posted March 23, 2003 Report Share Posted March 23, 2003 Hey Girl! Have you told the Dept of Edu this and asked them to bring the note back in? (something tells me they really don't care though )I don't know much about student loans though..hopefully someone here is more versed on them! Link to comment Share on other sites More sharing options...
gnosis Posted March 23, 2003 Report Share Posted March 23, 2003 Sakia,Here's the address to send complaints about CA's collecting for U.S. Dept. of Education:U.S. Department of EducationAtlanta Service Center – Chief, Contract Services BranchAtlanta Federal Center Tower61 Forsyth St., SW, RM 19T89Atlanta, Georgia 30303If you're in the Dept. of Education's Loan Rehab program (if you're you should be, unless this is a current loan) when you miss a payment, all that happens is that your 12 month rehab period starts over again. CA's sometimes don't wanna tell you that. I complained to the above address (CMRR), a couple of weeks later the CA called me apologizing and groveling like they had gambled away the baby's milk money. Hope this helps. Link to comment Share on other sites More sharing options...
Ravenous Wolf Posted March 27, 2003 Report Share Posted March 27, 2003 I am wondering how you really are set up with the Dept of Ed, especially if there is a CA involved.I mail my check to the U.S. Dept of Ed every month. Sometimes I skip month and the next months bill comes back saying that I own the current month and a past payment.For me, the Dept of Ed has full control over my loan so there is no CA involved.And years ago, I had my refund seized by the IRS to be given to the Dept of Ed while I was in default. However, once I made all the payment arrangements, the Dept of Ed never touched my refunds again. Link to comment Share on other sites More sharing options...
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