J B asked:
My wife was with Krampfanfällen, if a student loan Konsolidierer tempts called and us to think it were aes. Its enterprise is only by a letter out, and it thought, it was on-line with us goes, around their loans too pr? ? fen. It did not erzählte it, it was with it and with seizing at the time, but it had it to go through the website and sign electronically a consolidation to document. We did not want to consolidate the loan and, if we found out, what we called zur? ? ck and lie? ? them broken off. Now 3 months and we have ourselves to have a straight consolidation package of another enterprise in the post office. The first company sells our loans to another enterprise, although it became us said, it broken off. We never a hard copy of the K? ? ndigung the loan from the first enterprises, and which second enterprises do not leave, us from the loan. Does it give somewhat, what we do können? We do not have a proof that we the loan gek? ? ndigt. We did not speak with a lawyer and it said, we had options. Please help us somewhat break in to let we do to können.
My wife was with Krampfanfällen, if a student loan Konsolidierer tempts called and us to think it were aes. Its enterprise is only by a letter out, and it thought, it was on-line with us goes, around their loans too pr? ? fen. It did not erzählte it, it was with it and with seizing at the time, but it had it to go through the website and sign electronically a consolidation to document. We did not want to consolidate the loan and, if we found out, what we called zur? ? ck and lie? ? them broken off. Now 3 months and we have ourselves to have a straight consolidation package of another enterprise in the post office. The first company sells our loans to another enterprise, although it became us said, it broken off. We never a hard copy of the K? ? ndigung the loan from the first enterprises, and which second enterprises do not leave, us from the loan. Does it give somewhat, what we do können? We do not have a proof that we the loan gek? ? ndigt. We did not speak with a lawyer and it said, we had options. Please help us somewhat break in to let we do to können.
I had a student loan through AES and accidentally consolidated it with ACS. It kinda sucked because they raised my interest rate. But once I signed up for Checkmate II to set-up automatic payments withdrawn from my checking acct, my interest rate went down from 7.25% to 7.00%. And after I make 12 consecutive payments on time in a year, then it will go down to 6.25%. But at least it is a fixed rate now. The whole thing is a hassle. When I originally got the student loan in 2004, my rate was only 3.00%. You might have to just deal with the new company, that’s what I have to do. I hear some states will only allow you to consolidate your student loans 1 time only for the life of the loan. Good luck!
Left by sweet7face on November 3rd, 2009
Without offering any legal advice, you may have issues of “diminished capacity” – your wife was having seizures and not fully able to comprehend, and “fraud in the inducement”- misrepresentation by the man on the phone of what company he really worked for.
This is a great reminder of the important lesson, NEVER do anything “over the phone” tell them to put it in writing and mail it to you.
Anyway, if you did call to cancel, most states allow a three day recission period for you to change your mind. Contact your states Consumer Affairs department for advice.
Also, have you advised, in writing, the original holder of the loan of your problem and that you were tricked into the consolidation, that should get some results.
good luck.
Left by Halcyon on November 5th, 2009