Student Loan Help Direct, Joseph Edwards, Sarah They will not issue a refund for services Non-rendered. in the amont of $697 dollars Los Angeles California

I was given a referal by a Co-worker of mine to call a Student Loan advocate to get on one of the many Obama Student Loan Relief programs. My co-worker gave me a number of a man by the name, Jospeh Edwards. I proceeded to call him shortly after. Even with a degree in Criminal Justice I should have known better, but because of the amount of student loans that I current have I wanted to take action as soon as possible. When I got in contact with Jospeh Edwards, like any con-man he very keen and insistant upon about providing his services for the sake of saving me money. Keep in mind, I had not done my homework to know that there are serveral programs out there for different suitations and income levels. Jospeh Edwards only spoke to me about the income based repayment plan where you pay the same amount each month(unless you income changes) and after 10yrs. whatever is left of the remaining balance will be ratified and you will owe nothing. Sounds good right! sign me up. Joseph said that I need to make a down payment on my account so I can show the student loan people that I was serious about paying off my loan and so that he could get started on my account. Jospeh gave me an amount of $692 and told me that was based of the kind of plan that I have and so I gave him my acct information and decided to do a one time payment as supposed to several over the course of a month.

Flag #1. He asked for my entire SSN# instead of the last four numbers like most accredited debt collectors. But again I gave it to him because my co-worker said she had just started paying back her loans. Next he asked for my birthday and said your last name is ***** right and I said yes.

Flag #2. He asked for my mother's maiden name and at the time I thought, "that sounds like a security question but again I gave it to him. After pulling up my information, Informs me that I have 10 different student loans the total amount and said that I was in default. Jospeh then took some income information and said he was calculating a possible amount for a payment plan.

Flag #3. Jospeh explained to me what would happen if I didn't get out of default. He said that he needed to apply for my debt consolidation loan as soon as possible so my account can get out of default and I can rebuild my Credit. Joseph told me that garnishment was about to happen and that they can take up to 40% of your income and that's when I told him that I thought in the state of Michigan it was 15%? and he replied, "yeah, anywhere from 15 to 40%!!!!!!!

That's when I knew something was really wrong. Later on in the privacy of my own home I beganto do my research about the different debt relief programs. I did not know about studentloanhelpdirect.com/disclaimers.html and realized that the man by the name of Jospeh Edwards was not actually a Certified and Professional student loan debt relief account customer service rep from an accredited student loan vendor but was actually a person off the street who entered in my account info on studentloans.gov which is the national database for those whom have ever taken out a student loan!!!!!!! This complete stranger that I knowingly gave all of my information to simply logged on to the site that most people don't even know about, and was going to apply for a student consolidation loan and or program pretending to be me!

I am asking for a refund in the amount of $692 because upon going unto StudenLoads.gov I immediately signed up for a consolidation loan.The Second thing I did was send who I've come to know as Joseph Edwards an email informing him that I no longer require his services as I have already completed a student loan consolidation loan on my own behave. Not only did I recieve any form of acknowlegdement and I have tried to contact the number from which I have directly to him on and it goes to a pre-recorded message that says to call the main number and simply leave a message and someone will get back with me. I have also tried to call a woman by the name of sarah who has left me voicemails asking me to sign the electronic pen and her number goes to her voice mail.

I understand that I gave him my bank info that same day and it was electronically processed. I all want is for the sum total of $692.00 transferred back into my account. I know that him nor anyone in this agency perfrom, start or complete any task, job, and or payment plan on my behalf because I did not give Him nor any of his contituents a copy of my Tax Return nor did I sign the electronic pin with my signiture agreeing to pay for any of the services that he provided.  I did not sign anything giving him nor anyone else the authorization to file for a consolidation loan and or repayment plan in my place and on my behalf.