A freedom story from Hedi, Washington, U.S.
After speaking with my Account Manager briefly about the foreclosure and lending
fraud, I sent a CN to a private student loan servicer on 4/25/13.
I sought to inform and educate, as well as stop collection action against me in
regard to my purported obligation to ‘repay’ my ex spouse’s so-called student
‘loan’, on which I was a co-signer. This CN was sent via fax.
I had been paying on the defaulted student loan of my ex-spouse as I was a
co-signer. Upon hearing of the work of OPPT and following the development for
several months, I gained the confidence to confront the institution and sent a
courtesy notice in April. I had been receiving calls multiple times daily from their
collections dept, and once the notice was received, those calls ceased. I logged in
to check the account status online a week or so later, and found that two mysterious
‘payments’ equalling around $1100.00 had been applied to the account on 4/29,
bringing it current. The “next payment due” date showed Jan. 2014, so I presumed
they had put it into a forbearance of some sort.
I would just encourage each person to spend the time researching the issues a bit,
and gaining a familiarity with what has transpired with the work of the OPPT and
TOP, including using the tools at our disposal. Empower yourself to stand in your
truth, because you may be pleasantly surprised, as I am, to find the ease of remedy
at your fingertips!
As a follow-up to my story, which was not printed here in its entirety, I want to add that as of August, the account has been fully “settled” (their terms) and a zero balance owing. I received a Fed-ex letter which detailed a supposed settlement arrangement, with 6 payments due between April-June in varying amounts for a total settlement amount of $3343.93. The date of this letter was July 22nd, and I only received it earlier this month (August). All the payment due dates were already past by the time the letter was even drafted, which I found odd. So I logged onto the account online, and verified that a series of “payments” in the same amount as detailed in the letter had been applied to the account, bringing it to a zero balance. As of a couple days ago, I can longer access the account. I sure would like to thank whoever made those “payments”! Haha. I am sure this was just their way of saving face and making it look official on the books.