You know what I'm going to do for all of you?
I'm going to make a VERY simple chronology with dates and what occurred so you all can "follow this money" and attempt to try and follow this P&TD discharge or in the case of just the unsecured SL, not discharge.
I have totally obliterated this thread to the point everyone is hunting around for certain bits and pieces which I can tell is becoming quite cumbersome for even me to keep track of.
Will this make it easier? Sample:
17 Jul 2009: Filed for P&TD for all SL's (total 14, all are stafford sub'd/unsub'd w/guarantee through Feds except ONE which is unsecured, all serviced by Sallie Mae)
22 Jul 2009: recd notice of deferment on all loans pending P&TD application decision.
01 Aug 2009: reviewed all medical docs, sent request for independent exams, went on scheduled exams through sallie's dr's
19 aug 2009: received notice of "Conditional Discharge of Student Loan Debt due to Permanent and Total Disability" - start of 3 year waiting period clock, mandatory, and in 3 years final discharge will be entered. Also received notice loans will remain in deferment until I either magically become se-crippled or 3 years of permanent disability, just to make sure I stay that way, and then we will wipe out all $71K.
01 Jan 2010: Rec'd yearly letter indicating I have 2 years left to fulfill. Checked all CRA's and obtained CR's and scores from all 3, all SL's reporting deferred, never late, some say "conditional Discharge - medical" others just say "deferred payment date unknown.
Will something like this help particularly once we get to why only $57K was paid instead of $71K, thus leading to the matters at hand (P&TD magically doesn't apply to the unsecured)? I'll make it short and sweet and to the point. I've already made you and now others take ALOT of their time....
Still, I can't say anything but a huge thank you for all of this
. I feel like there is hope and the SSDI (not SSI) nazis are after me!!!
I'm going to make a VERY simple chronology with dates and what occurred so you all can "follow this money" and attempt to try and follow this P&TD discharge or in the case of just the unsecured SL, not discharge.
I have totally obliterated this thread to the point everyone is hunting around for certain bits and pieces which I can tell is becoming quite cumbersome for even me to keep track of.
Will this make it easier? Sample:
17 Jul 2009: Filed for P&TD for all SL's (total 14, all are stafford sub'd/unsub'd w/guarantee through Feds except ONE which is unsecured, all serviced by Sallie Mae)
22 Jul 2009: recd notice of deferment on all loans pending P&TD application decision.
01 Aug 2009: reviewed all medical docs, sent request for independent exams, went on scheduled exams through sallie's dr's
19 aug 2009: received notice of "Conditional Discharge of Student Loan Debt due to Permanent and Total Disability" - start of 3 year waiting period clock, mandatory, and in 3 years final discharge will be entered. Also received notice loans will remain in deferment until I either magically become se-crippled or 3 years of permanent disability, just to make sure I stay that way, and then we will wipe out all $71K.
01 Jan 2010: Rec'd yearly letter indicating I have 2 years left to fulfill. Checked all CRA's and obtained CR's and scores from all 3, all SL's reporting deferred, never late, some say "conditional Discharge - medical" others just say "deferred payment date unknown.
Will something like this help particularly once we get to why only $57K was paid instead of $71K, thus leading to the matters at hand (P&TD magically doesn't apply to the unsecured)? I'll make it short and sweet and to the point. I've already made you and now others take ALOT of their time....
Still, I can't say anything but a huge thank you for all of this
. I feel like there is hope and the SSDI (not SSI) nazis are after me!!!
Just a FYI,,,, not even on the Ban meter's radar. 
. And yes, occassionally I have to walk away too and get things in perspective. Best of luck to you.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Well Guiness and Shogun - got some PRETTY GOOD NEWS for y'all. Hope you both are having a good week as well first and foremost
Out of nowhere, got an alert, checked just EXP, and the thorn in my side TL is completely GONE!! I honestly have no idea how or why - and I called the OC to find out what is going on given I received no written correspondence, and after being bounced around their phone system for an hour or seven, got to some "disability verification" person.
After going through the motions, she advised that they have the DD and since they cannot either confirm nor deny anything "right now", they're simply deleting the TL "in good faith" until they are able to find hard copies of everything from years ago. Furthermore, apparently the emails that I had sent back in the day, along with the faxes for all the P&TD info, have a special "barcode". While this barcode does not send them to anything, the fact I have just ONE P&TD document was enough for her to "in good faith" delete this since I did do my part "back in the day" and can see all other TL's were cancelled the same way (all the government-backed ones).
So - at least for now, and given she used this "in good faith effort" line at least 100 times, I believe we are certainly to the point of ALMOST permanent resolution!!!
I also asked about why the FED ones show this "paid through government insurance claim" to which she stated "That is accurate but is not negative reporting". Told her thats not true as they've all been moved, on the CR's that is, into the "potentially negative" side and she stated that it is now a CRA matter as they are not reporting derog nor have they in years since the conditional P&TD and final P&TD. Still argued a bit on this - and all she basically said was if the CRA's think this is negative, it *may be true* since I didn't pay them - they were cancelled/discharged - but she will further look into this.
Good news yes?? I'd like to think so but not until I see the remaining 13 out of this negative category. I guess I see her point too as once cancelled, thats basically the equivalent of a BK discharge (and I know one of ya will correct me if I am wrong LOLOL), which means irrespective of that cancellation, DOFD would still apply which would be June 2009. Quick refresh: June 2009 is when the conditional period began and when the P&TD was approved. So, that all being said, I'm venturing to say that I just may be stuck with those "marks" on the CR's.
Nevertheless, the MAIN issue is over - for now - through all YOUR diligent help and overall caring for me, a crippled man you've not ever met in your life. My appreciation for you standing by my side through all this is endless. I could NOT have done any of this without you!!!!
Lets hope and pray they leave this in the grave once and for all, since I haven't received my monthly "pay up" letter this month tells me something has occurred, and as for the other TL's from sallie about the "cancelled" comments, if that really is the way it will report, even though there was not nor currently showing a late pay even once, I'll live with it for now I suppose. Remember I went straight from paying to deferment to cancellation - and they've reported all of those correctly (no lates at all just that comment), but I just cannot fully understand how this is considered derogatory by the CRA's.
Guess it's a topic for another day and another adventure. In the meantime, decided (just for the hell of it really to see if i could get approved for anything) to apply for a cap one card, unsecured, and guess what: $1,700 card w/0% for a year, 12.99% after that is now heading my way!!! All that good existing history dating back to 1995 did some good since there isn't any "bad" left - just a stagnant report for lack of better words.
I think it is safe to say that this alone tells me my scores are at least in the mid-upper 700's, across the board, or none of this would have happened.... If I'm wrong I know I'll be corrected .
Now the real test will be if I can get the car. I could get that at a high interest rate and now I'm wondering if I can get GM financial to re-run me, now that BAD sallie is gone (especially if she comes back!!), and shooting for the 0% or at maximum 5%! No more than $375/m and certainly NOTHING more than a new vehicle that gets me from point A to B - nothing fancy at all and by far nothing luxurious. If I can get a "base model" to knock it down further that is the plan as well as NOT using the cap one card that is en route.
Talk about a GREAT FEELING??? Now I feel like I did 10 years ago where I could walk in anyplace and get what I wanted without worrying. Disability may be my life but my life does not have to be dictated by disability!!!
Thank you SO VERY MUCH ONCE AGAIN. You've got another success story to add to your shelf darlin . All that matters now is ensuring nothing but GOOD keeps being reported - and since I have no use for the actual credit card that is en route, all that will do is serve as a positive TL . Guess home-ownership is VERY much in my near future!!!
Oh what the heck I'll grab you two a GREAT meal courtesy of cap one for all you've done!!! And yes, it will be PIF'd once the statement arrives as NO derog's are allowed on my CR's!!!!
Hugs and handshakes and MAJOR thanks again you two - especially Guiness for all YOUR one on one efforts
NMA - HAPPY NMA THAT IS!!!
Out of nowhere, got an alert, checked just EXP, and the thorn in my side TL is completely GONE!! I honestly have no idea how or why - and I called the OC to find out what is going on given I received no written correspondence, and after being bounced around their phone system for an hour or seven, got to some "disability verification" person.
After going through the motions, she advised that they have the DD and since they cannot either confirm nor deny anything "right now", they're simply deleting the TL "in good faith" until they are able to find hard copies of everything from years ago. Furthermore, apparently the emails that I had sent back in the day, along with the faxes for all the P&TD info, have a special "barcode". While this barcode does not send them to anything, the fact I have just ONE P&TD document was enough for her to "in good faith" delete this since I did do my part "back in the day" and can see all other TL's were cancelled the same way (all the government-backed ones).
So - at least for now, and given she used this "in good faith effort" line at least 100 times, I believe we are certainly to the point of ALMOST permanent resolution!!!
I also asked about why the FED ones show this "paid through government insurance claim" to which she stated "That is accurate but is not negative reporting". Told her thats not true as they've all been moved, on the CR's that is, into the "potentially negative" side and she stated that it is now a CRA matter as they are not reporting derog nor have they in years since the conditional P&TD and final P&TD. Still argued a bit on this - and all she basically said was if the CRA's think this is negative, it *may be true* since I didn't pay them - they were cancelled/discharged - but she will further look into this.
Good news yes?? I'd like to think so but not until I see the remaining 13 out of this negative category. I guess I see her point too as once cancelled, thats basically the equivalent of a BK discharge (and I know one of ya will correct me if I am wrong LOLOL), which means irrespective of that cancellation, DOFD would still apply which would be June 2009. Quick refresh: June 2009 is when the conditional period began and when the P&TD was approved. So, that all being said, I'm venturing to say that I just may be stuck with those "marks" on the CR's.
Nevertheless, the MAIN issue is over - for now - through all YOUR diligent help and overall caring for me, a crippled man you've not ever met in your life. My appreciation for you standing by my side through all this is endless. I could NOT have done any of this without you!!!!
Lets hope and pray they leave this in the grave once and for all, since I haven't received my monthly "pay up" letter this month tells me something has occurred, and as for the other TL's from sallie about the "cancelled" comments, if that really is the way it will report, even though there was not nor currently showing a late pay even once, I'll live with it for now I suppose. Remember I went straight from paying to deferment to cancellation - and they've reported all of those correctly (no lates at all just that comment), but I just cannot fully understand how this is considered derogatory by the CRA's.
Guess it's a topic for another day and another adventure. In the meantime, decided (just for the hell of it really to see if i could get approved for anything) to apply for a cap one card, unsecured, and guess what: $1,700 card w/0% for a year, 12.99% after that is now heading my way!!! All that good existing history dating back to 1995 did some good since there isn't any "bad" left - just a stagnant report for lack of better words.
I think it is safe to say that this alone tells me my scores are at least in the mid-upper 700's, across the board, or none of this would have happened.... If I'm wrong I know I'll be corrected
.Now the real test will be if I can get the car. I could get that at a high interest rate and now I'm wondering if I can get GM financial to re-run me, now that BAD sallie is gone (especially if she comes back!!), and shooting for the 0% or at maximum 5%! No more than $375/m and certainly NOTHING more than a new vehicle that gets me from point A to B - nothing fancy at all and by far nothing luxurious. If I can get a "base model" to knock it down further that is the plan as well as NOT using the cap one card that is en route.
Talk about a GREAT FEELING??? Now I feel like I did 10 years ago where I could walk in anyplace and get what I wanted without worrying. Disability may be my life but my life does not have to be dictated by disability!!!
Thank you SO VERY MUCH ONCE AGAIN. You've got another success story to add to your shelf darlin
. All that matters now is ensuring nothing but GOOD keeps being reported - and since I have no use for the actual credit card that is en route, all that will do is serve as a positive TL . Guess home-ownership is VERY much in my near future!!!Oh what the heck I'll grab you two a GREAT meal courtesy of cap one for all you've done!!! And yes, it will be PIF'd once the statement arrives as NO derog's are allowed on my CR's!!!!
Hugs and handshakes and MAJOR thanks again you two - especially Guiness for all YOUR one on one efforts
NMA - HAPPY NMA THAT IS!!!
What an inspiring read. I'm so happy for you and hope that you experience further positive and successful endeavors. Yes, it does make us feel quite good to hear stories such as yours. Continue to be a part of our community and if possible help others and pay it forward.
Shogun, a Happy Shogun.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.