• Report: #1142196

Complaint Review: Premiere Credit of North America, LLC

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  • Submitted: Sun, April 27, 2014
  • Updated: Fri, May 02, 2014

  • Reported By: Concern Citizen — Los Angeles California
Premiere Credit of North America, LLC
Internet USA

Premiere Credit of North America, LLC contracter for federal student loan Violation of FCRA and FDCPA, but does anyone enforce these?? Indianapolis, IN Internet

*Consumer Comment: One thing is obvious..

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My complaint to the Federal Student Loan site, "I was never contacted by this collection agency, not by mail or phone.  I first heard about the serious nature of the account status on Friday (4/25/14), via mail from my employer, notifying me of a garnishment.  The garnishment is to take effect on my next pay period (5/7)!  Because I was never contacted by your contractor, numerous rights (FCRA and FDCPA) were violated, as well as your own policies, stated on this site.   As a result, I have no opportunity to work out a payment plan; I could not appeal the garnishment before its placemen.  

I was supposed to be afforded a 30 day window, before it was enacted.   This is amazingly blatant neglect and simply cruel treatment of an individual (plus a violation of law).  I simply cannot adjust to this garnishment, it will break my budget, nor should I have to. I need the garnishment immediately stopped. It is pretty clear the collection agency has violated my rights and your policies.  In addition, to assist in my remedies, I would ask to take my loan out of default; I will pay a reasonable amount of the money I owe and keep the loan current.  The amount of the loan needs to be readjusted, as well. 

Penalties and collection fees are not owed.   Additionally, I should be allowed the opportunity to reduce or eliminate (cancel) my loan, as afforded to everyone else who qualifies.  It appears, under the guidelines you have on the website, I may qualify as a _______, as well as a ______________.  One more statement – the first time I logged into this site (student debt site) was today.  I had to set a username/password, etc.  If I had heard anything about the nature of this loan, I certainly would have logged on sooner.  Please let me know how I can be of further assistance of the collection agency issues.

I do not know what proof I need.  It's really obvious these folks did not call me, I have phone records for that.  I do not recall any mail from them either.  Seems like they like the fact that they can do a garnishment order without it going to court - federal loan issues are a lot like the IRS in those regards - limited rights in regards to these.  Given that fact, it is imperative to have my rights restored.  This garnishment should be quashed and the company fined, taking shortcuts in not ok, not when you are talking about a persons wages. 

I have complained to the Federal loan folks, I will also filed a compliant with my state attorney generals office, just to get it on record their.   Geez, even the IRS uses certified mail if they are going to take action.  They could have ensure I got it.  Not too much to ask.  Clearly thier business model, at least in my case and 30.000 dollars of debt, that if they garnish my wages, they get paid the most, in the quickest amount of time.  Total BS, for the consumer, good for their business, in the short term.  Let's see what happens if they keep this up with others.  I highly doubt I am an isolated case, maybe just more angry because my budget is so tight to beggin with. 

This report was posted on Ripoff Report on 04/27/2014 08:07 PM and is a permanent record located here: http://www.ripoffreport.com/r/Premiere-Credit-of-North-America-LLC/internet/Premiere-Credit-of-North-America-LLC-contracter-for-federal-student-loan-Violation-of-FC-1142196. 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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Updates & Rebuttals

#1 Consumer Comment

One thing is obvious..

AUTHOR: Robert - ()

 You do not deny that this is your loan or that it is a valid loan.  With that little fact it makes your claims very interesting.  You talk about them not telling you the seriousness of the status.  Okay..so are you saying that when you failed to make your payments you thought they would just go away?  That at no time they NEVER attempted to call you and NEVER sent a single letter?  Even on the very outside chance that this is true, if you really wanted to take care of this how come when you failed to make your payments you didn't contact them to make arrangements?  Or perhaps you are going to claim that you didn't even know you were supposed to repay the loan? 

Perhaps the fact is that you were doing everything you can to avoid them, and perhaps you did get letters and just decided to "forget" that you got them.  Perhaps you changed your phone number and didn't inform them.  Perhaps there is 100 other reasons.

FYI, this appears to be an Administrative Wage Garnishment, and rules such as the FDCPA and FCRA do NOT apply.

 I simply cannot adjust to this garnishment, it will break my budget, nor should I have to.

- Incorrect again. Your ability to "adjust" to the garnishment has nothing to do with it's validity.  As to having to..again WRONG.  When you got the loan you agreed to the terms, and one of those terms was this type of garnishment if you got into default.

Now, apparently this garnishment is in process, but you can still request a hearing.  At the hearing you can bring this up but unless you have more than "it will break my budget" or are somehow able to come to a payment arrangement with the company don't expect the garnishment to be removed.  Especially if you start talking about how it is unfair that they are just looking for a way to get their money that you borrowed back as quickly as possible and as a "consumer" that is unfair to you.



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