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@Anonymous wrote:As far as the Default is concernedThey can't mark it in default if you are in contact with them-This is part of the HEADoes their website have the payment history?Do you have your PIN to access ed.gov and see all federal loans?When you are caught up- GW will go to the servicer-
@Anonymous wrote:
the CSRs are all out-sourced to India, so it's hard to understand them, anyway -- no offense to anyone, the threatened us about how we were going default and would be in default if we didn't make a payment of $4K right then and there. Needless to say, knowing our rights at the time (we didn't, not by a long shot) would have been nice! :/
To make things more complicated, we originally took out the loan with another company ... then the company was sold to ACS.
@Nectarine wrote:
@Anonymous wrote:
the CSRs are all out-sourced to India, so it's hard to understand them, anyway -- no offense to anyone, the threatened us about how we were going default and would be in default if we didn't make a payment of $4K right then and there. Needless to say, knowing our rights at the time (we didn't, not by a long shot) would have been nice! :/
To make things more complicated, we originally took out the loan with another company ... then the company was sold to ACS.
The out-source thing is why I don't bother calling anymore, the ones that *are* in the US are a--holes (I used to work as a CSR, so it bugs me more). I just spend 41 cents and call it a day. It's also easier to document what was said when they're writing you back.
Sallie Mae also bought all of my loans, they were ALL with different companies and SM wound up with them all anyway. I would suggest that you send a letter requesting a full payment history. If they decline, send a second one CMRR. It may also be worth it to contact the Dept. of Education to see what else you can do.
Griffin