I am writing to request help with a problem I'm currently experiencing with the Wndham Professional, who is handling defaulted student loans for the Dept. of Education.
I have been off work for 4yrs. due to health problems. As a result, I was without income and could not pay on these loans. During of these 4 years, I have had 3 brain surgeries for brain aneurysms. I am disable and had to apply for social security disable which took over two year's to get.
I became eligible and started recieving social security disablilty benefits 11/08. At that time I contacted the Dept of Education about my student loans. The representatives were Rude, Misinformed and not very helpful at all. Here I was trying to do the responsible thing in resolving the school loan matter and was being treated like criminal or something less than being a real human being.
To add insult to injury these representatives are not well trained they do not know to much of anything about the particular's of your case or the policies that govern them.
For example: I wanted to enter into the rehabilitation loan program and had agreed to the terms of it. I made a good faith effort and paid the $500 down payment on time in 01/09. I made my following monthly payment 02/09 of $226.00.
Which is the monthly payment amount I agree to have taken out of my account on the 21st of each month. I did my part. I recieve a letter from social security adm that Dept of Education is planning to garnish my monthly benefits effective 3/1/09.
I called Windham about the matter and they stated I was not going to be garnished because I had entered into a satisfactory agreement. I was advised by a supervisor at Windham back on 2/6. that a letter was sent to SSA to stop the garnishment.
On 3/1/09 I was garnished 15% of my monthly benefits. I called Windham about the matter and was told I was supposed to be garnished as well. I told them I would not have agreed to a payment plan if that was the case and was very clear up front about it.
I can't afford to be paying a $226.00 month and them taking another 155.70 from my benefits. I called them again this week and was told they would send a letter to stop the garnishment. I told them, you were aware I was making timely payment yet they still garnished and as a result my payment for this month is a problem, I don't have the money.
Thier telling me the money taken in error I can not get back and that they may take another payment of 155.70. I am screwed in the mean time and still expected to make payments I did agree to. Yet they have failed hold up thier end of the bargain.
I've report this to them as well and have left several messages with the supervisor and he has not called me back. This payment is due on the 21st of this month.
Then, I read about other's who have been ripped off by them in a similar way and that the rehab student loan program is not working like they stated it should. I am very concerned and unhappy. It's a no win situation for the person trying to do the right and responsible thing.
This agency is ripping people off and don't care what they have to tell you or do to pull it off. They will lie to you and use trickery or whatever else to get more money. And they don't care about breaking the collection laws governing collection agencies to do it.
I have no other recourse but to report this and stop making payment as long as thier going to continue garnishing me.
Your assistance in this matter would be greatly appreciated. Thank You.