- Report: #870471
Report - Rebuttal - Arbitrate
Complaint Review: ECMC
ECMCPO Box 64909 St. Paul, Minnesota United States of America
ECMC Failure to process application caused my student loan default, need legal advice St. Paul, Minnesota
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I never heard from ECMC over this entire time until recently when they called me asking to speak with me about my account. Upon calling them back they informed me my account has gone into default. Their notes show speaking to me about forbearance but no information about receiving or processing the application I faxed to them. The forbearance program that I qualified for (and is the only thing I can afford) is no longer valid since the account fell into default. Since their records show no application was received (even though my fax machine did complete the fax) means they are unwilling to do anything about addressing their lack of processing my application and their unwillingness to do anything to get the default status of my loan removed.
I did everything I was supposed to do by their instructions except sending a good faith payment (which was to follow their contacting me about the application status). Their inaction to even receive the application I faxed them led to my default, not my lack of action to resolve the issue and avoid default. Do I have ANY legal action I can take. The only paperwork I have for this is only the email they sent me and the attached forbearance application. All other events in this situation have transpired by phone contact.
Any help would be appreciated. When I was informed of the default status, what their records showed, and their inability to do anything about it; I asked to speak to a supervisor. By no surprise none where in their offices and they tried to shovel me off to a voicemail. I refused and as of now I am trying to find out what options I have before I call back and demand to speak to a supervisor in person.
This report was posted on Ripoff Report on 04/18/2012 01:27 PM and is a permanent record located here: http://www.ripoffreport.com/r/ECMC/St-Paul-Minnesota-/ECMC-Failure-to-process-application-caused-my-student-loan-default-need-legal-advice-St-870471. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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