• Report: #369333

Complaint Review: Van Ru Credit Corporation

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  • Submitted: Wed, September 03, 2008
  • Updated: Sun, October 12, 2008

  • Reported By:Goldsboro North Carolina
Van Ru Credit Corporation
1350 E. Touhy Avenue Suite 300E Des Plaines, Illinois U.S.A.
  • Phone: 800-4682678
  • Web:
  • Category: Loans

Van Ru Credit Corporation Rude Stupid Ignorant Harassing Outdated Information Des Plaines Illinois

*UPDATE Employee: Student loans.

*UPDATE Employee: Student loans.

*UPDATE Employee: Student loans.

*Consumer Comment: I've been getting calls from them too.

*Consumer Comment: I've been getting calls from them too.

*Consumer Comment: I've been getting calls from them too.

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I, like many others, defaulted on my student loans. When I got a little older and realized just how bad this is, I started looking in to ways to get my loans out of default. I called my original lendors, who were very nice but couldn't help me because they had sold my loans to a collection agency, Van Ru. When I heard Van Ru a light went off in my head. I had been getting 800# calls on my cell phone for months, but no voicemails. When I called these numbers back it was for Van Ru. Van Ru said they didn't know who I was or the nature of the call.

So, I called Van Ru to inquire on rehabilitating my student loans (I had been given a lot of helpful information from my original lendor, thankfully!) but was told that my only option was repayment in full. No one that answers the phone at Van Ru speaks standard English, so it was difficult for me to understand them. And a little amusing that the people who are collecting on my student loans can't speak!

So, after getting no where with them on this call, I did more research into my options for getting my loans out of default. There are many! The government wants their money any way they can get it!! So, turns out that even though Van Ru had purchased my cell phone number, they claim that they didn't have my address. Funny, since my phone bills go there. The property is in my name. Utilities are in my name. Cable, you got it, in my name. They claim they couldn't find me! My drivers license has had my correct address for as long as I can remember!

I told Van Ru I wanted them to mail me correspondence. They claim to have mailed me several things. Funny, since I had just given them my address! Anyway, I told them to mail me information on loan rehabilitation with affordable and reasonable monthly payments. They wanted payment in full. So, I filed a complaint with the student loan ombudsman that I am trying to work something out and they are not willing to work with me.

Van Ru then called my parent's house! They couldn't find my address, but they found my Mom who has a different last name. Hmm. I happened to be there when they called and the woman was, again, speaking some sort of ebonics that I could not understand. I told her I needed to speak to someone that spoke standard English and she set the phone down and was yelling in the background to "aks" another coworder to help me. I told her that would only correspond via mail and hung up.

In the meantime, I had filed a consolidation on my loans. My loan will go back to the federal government. I will have reasonable and affordable monthly payments. And I will be able to understand the person at the other end of the phone.

Oh, the woman at van ru also said my loans had been in default for over 15 years. I told her to check her math. I am in my 20s!!! Idiots. They call early moring, late at night, Sundays, don't leave messages, don't know who I am when I call back, claim my phone number is bad when I'm sending a text right now, claim they don't know where I am when all my bills come here, did not offer me any repayment options available, called my family AFTER I had filed for a loan consolidation and they will not be in charge of my loan anymore. Stupid stupid stuped. If you are going to use the phone to collect education debts, know how to speak.

Vanessa
Goldsboro, North Carolina
U.S.A.

This report was posted on Ripoff Report on 09/03/2008 10:47 AM and is a permanent record located here: http://www.ripoffreport.com/r/Van-Ru-Credit-Corporation/Des-Plaines-Illinois-60018/Van-Ru-Credit-Corporation-Rude-Stupid-Ignorant-Harassing-Outdated-Information-Des-Plaines-369333. 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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REBUTTALS & REPLIES:
0Author 6Consumer 0Employee/Owner
Updates & Rebuttals

#1 UPDATE Employee

Student loans.

AUTHOR: Abe - (U.S.A.)

Let me begin with some information you're apparently unaware of.
First, your loans were not sold by the school, they were guaranteed by the U.S. Government. Once they went into default the government paid your school and started a collection process.
Second, Since the Dept. of Education doesn't "do" collections, they assigned your account to one of the ten or so credit companies who are contracted to collect on defaulted loans.

The consolidation loan you found with "reasonable and affordable monthly payments" consolidated your interest and half of your penalities into your principal.
As a result you will be paying interest on the interest and penalties you accrued
during the time your loan was in default. Stupid? Let's hope you didn't study accounting~


The woman who called you and mispronouned the work "ask" isn't in federal default. Her loans are in good standing or she wouldn't have been able to work in that capacity.
You complained that the government couldn't locate your address to get you to pay the promisary note on your education loan. Why didn't you try to contact the U.S. Dept. of Education BEFORE they went into default?

Rather than mock the pronounciation skills of the person who called trying to collect on a loan you chose to ignore, you might want to question why you had the funds to pay for a home and cable service when you refused to pay on your student loan.

Blaming someone else for a situation you created shows a lack of maturity and responsibility. If you're in your twenties now, it's a good time to work toward that goal.
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#2 UPDATE Employee

Student loans.

AUTHOR: Abe - (U.S.A.)

Let me begin with some information you're apparently unaware of.
First, your loans were not sold by the school, they were guaranteed by the U.S. Government. Once they went into default the government paid your school and started a collection process.
Second, Since the Dept. of Education doesn't "do" collections, they assigned your account to one of the ten or so credit companies who are contracted to collect on defaulted loans.

The consolidation loan you found with "reasonable and affordable monthly payments" consolidated your interest and half of your penalities into your principal.
As a result you will be paying interest on the interest and penalties you accrued
during the time your loan was in default. Stupid? Let's hope you didn't study accounting~


The woman who called you and mispronouned the work "ask" isn't in federal default. Her loans are in good standing or she wouldn't have been able to work in that capacity.
You complained that the government couldn't locate your address to get you to pay the promisary note on your education loan. Why didn't you try to contact the U.S. Dept. of Education BEFORE they went into default?

Rather than mock the pronounciation skills of the person who called trying to collect on a loan you chose to ignore, you might want to question why you had the funds to pay for a home and cable service when you refused to pay on your student loan.

Blaming someone else for a situation you created shows a lack of maturity and responsibility. If you're in your twenties now, it's a good time to work toward that goal.
Respond to this report!
What's this?

#3 UPDATE Employee

Student loans.

AUTHOR: Abe - (U.S.A.)

Let me begin with some information you're apparently unaware of.
First, your loans were not sold by the school, they were guaranteed by the U.S. Government. Once they went into default the government paid your school and started a collection process.
Second, Since the Dept. of Education doesn't "do" collections, they assigned your account to one of the ten or so credit companies who are contracted to collect on defaulted loans.

The consolidation loan you found with "reasonable and affordable monthly payments" consolidated your interest and half of your penalities into your principal.
As a result you will be paying interest on the interest and penalties you accrued
during the time your loan was in default. Stupid? Let's hope you didn't study accounting~


The woman who called you and mispronouned the work "ask" isn't in federal default. Her loans are in good standing or she wouldn't have been able to work in that capacity.
You complained that the government couldn't locate your address to get you to pay the promisary note on your education loan. Why didn't you try to contact the U.S. Dept. of Education BEFORE they went into default?

Rather than mock the pronounciation skills of the person who called trying to collect on a loan you chose to ignore, you might want to question why you had the funds to pay for a home and cable service when you refused to pay on your student loan.

Blaming someone else for a situation you created shows a lack of maturity and responsibility. If you're in your twenties now, it's a good time to work toward that goal.
Respond to this report!
What's this?

#4 Consumer Comment

I've been getting calls from them too.

AUTHOR: Nikki - (U.S.A.)

I keep getting calls on my cell from them. All from different phone numbers. When I answer, no one says anything. When I call back and give them my phone number, they don't have it on file (then how does their computer keep calling me?).

Funny thing is, I had a student loan that was paid off in 2002 through payroll garnishment & tax refund offsets. I have a letter & an accounting of all payments from the Dept of Ed, who state it was paid in full. I only had 1 student loan.

I wonder what Van Ru is up to?
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#5 Consumer Comment

I've been getting calls from them too.

AUTHOR: Nikki - (U.S.A.)

I keep getting calls on my cell from them. All from different phone numbers. When I answer, no one says anything. When I call back and give them my phone number, they don't have it on file (then how does their computer keep calling me?).

Funny thing is, I had a student loan that was paid off in 2002 through payroll garnishment & tax refund offsets. I have a letter & an accounting of all payments from the Dept of Ed, who state it was paid in full. I only had 1 student loan.

I wonder what Van Ru is up to?
Respond to this report!
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#6 Consumer Comment

I've been getting calls from them too.

AUTHOR: Nikki - (U.S.A.)

I keep getting calls on my cell from them. All from different phone numbers. When I answer, no one says anything. When I call back and give them my phone number, they don't have it on file (then how does their computer keep calling me?).

Funny thing is, I had a student loan that was paid off in 2002 through payroll garnishment & tax refund offsets. I have a letter & an accounting of all payments from the Dept of Ed, who state it was paid in full. I only had 1 student loan.

I wonder what Van Ru is up to?
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