hey whats up everyonesorry iv been slacking on the gathering of info on sallie mae and other student loan info just been very busy with my some my friends from the bombing in boston. then helping with gathering friends to make a wall from the people from the westboro baptist church. it was a lot of but I should be making a post about some more info the bills i have mentioned about. so stay tuned and keep an eye out for updates
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lol...so i tried to make a payment recently but found out that i got double charged and on top of that i noticed that when i signed onto my account my e-mail was deleted for what ever reason. So i never recived anything from them that said the payment went through. But later on i get a e-mail from my bank saying that i am $ -345.00...i said WTF is going on here i checked it out it was sallie mae that double charged my bank account. so instead of pay 546 they charged me 1092. So keep in mind that something like this happened before. So i called them up and said why did you guys double charged my account. The lady told me i confirmed it twice. How the hell can you confirm the payment twice, once you click it, it goes to the confirm page which shows what was charged and which loan is getting paid....
well i went to my bank and told them what happen they said "we wont be able to do nothing about it until the payment goes through but what we can do once the payment goes through we can report them to the fraud department and have them investigate whats going on and if they find anything wrong they will report them to a agency that regulates the company's policies and possibly bring them to court". So the gears started turning in my head so agreed to report them and hope that there will be a court hearing but i highly doubt it I left the bank with smile on my face and now i have some knowledge on what they can and cant do. So i call up sallie mae the second time and they told me that it will take 7-14 days to get my money back. I told the lady that is shouldn't take no 7-14 because it was a electronic transfer. The electric transfer should only take 3-5 days to go through and get your money back because it don't have to be approved by anyone besides the manager. The money goes from one account to another account and it is automatically approved. Unlike a check it will have to be approved and processed by someone. When i told them that their whole toned changed over the phone. So they put the paper work through. that night but they went behind their word and they processed it if was like a check. So now im really pissed even though im going to get my money but i still want to start a class action lawsuit against them. So please let me know i will add a survey thing to take count of how many people will like to take them to court and for what reason. The more people we can get to stand up against them the more power we have to win if it is Well lets start this out right.
I have tried to made a payment on aug 21. when i was making the payment. I hit confirme payment but the page never changed and it just sat there so i thought it might have freezed up on me so i just figured to exit out of it then do it late since i was at work trying to do it. You can find this app on the android market. The App is called Record My Call. This is very easy to use and set up. The The filter feature will filter out the people in your contacts so if one of your friends call you it wont record or if you call one of your friends it wont record either.
As a reminder this app wont record if you set the phone on speaker while you are talking. Well recently their quarterly financial report came out they had a loss of 16% in their core earnings. And recently they try to say that i was late. My bill was due on a Sunday what company sets their bill due dates to a Sunday. So i paid the bill on that Friday thinking it would get processed and it will be paid well apparently. That following morning i get a e-mail saying that i am delinquent even though i paid it on that friday. So i called them up and the lady told it takes 2-3 days to be processed and the banks are not open on the weekend. I told the lady "no shit the banks are not open on the weekend. That's why i paid it on friday and i also get paid on friday." The lady said "sir you don't have to worry it about it. It says that its late because the payment was made on the weekend but our system shows that made the payment".
Well i told the lady that i just hope it is fixed 3 days or else you will be getting another call from me. I was so pissed because the new amount that was due was 498.32 and then on top of that another 178.45 late fee. So i think any one would have freaked out to when they saw that. So i waited for the 3 days but there was no changes made. I called them up and recorded the phone call and i told them i will be recording this phone call for personal records. Then i went on telling the guy what happen and the guy was very very nice and actually put my payment through in minutes. Then every thing was a okay after that. FYI...Record the phone calls you make to them or receive from them. You must be very nice to them and let them know that you are recording them for personal records only. The thing is if you dont let them know that you are recording them they can actually bring them to court for that so just be very nice to them and they would be nice to you lol hopefully. well it seems like they want to be very nice to me now that i made a payment after a few months of not paying. They lowered my monthly payment and some how my princeble went down. No where near what i though it would've gone down but at least it finally went down. i wonder if they seen my site or the government scaried them into trearting their customers
Its been a while since i actually been able update the site. But i have been finally got a raise from all the hours i been working. So what i started doing was whatever i get from my raise just put it away the extra cash i get every week. Once i made the first payment in a long time they actually expected it then threw a new bill right at me so i paid that off then they did it again probably thinking that i don't have enough money so i made 2 payments back to back within 2 weeks. I hate to see my money go a waste like this but i notice that they put most of it to the actual loan amount not just to interest like how they have been doing with me in the past.
I wonder; maybe they took a glimpse at my site or they have the government up their ass so far they have to now be on point with their customers or at least help their customers and I just found some real good info but i just cant upload the pdf files. I tried to get the pdf up that i have found about the finacial report of the department of education. But i do have the link to another report that is on the student loan laws for 2012.
http://www2.ed.gov/about/overview/budget/budget12/justifications/s-loansoverview.pdf This PDF covers a lot of important information. So be sure to check that link out there is a app on the android market called record my call and what it does it runs in the background when you make a phone call or receive a phone call. Once you are done making the call and hang up the app will open and ask if you want to save the call or delete the recorded call.
i highly recommend it to everyone that is getting a hard time from a bill colector or some thing. Then you can use it against them as evidence in court. Another words for "quality" purposes lol like what they would tell you well i have been busy lately with work but i have found some interesting little advice. That i would like to share with everyone.
i got a call from sallie mae today saying that i am 100 days late on one of my loans which previously i had a agreement with them to lower my monthly payments on 4 of my loans. three out of four of them was lowered. the 4th one got denied because there is only a few more payments left. So what sallie mae never told me is this one got denied so it wouldn't be part of the the 3 loans. So the whole time i thought was paying 4 of them in one bill. NOPE it was just the 3 that was getting paid. they never called me or notify me if there was a change in the deal i made with them. So they want me to pay 663 a month for just this one loan till it is paid off on top of the other 3 loans. So just dont trust sallie mae if they want to help you in any kind of way. It will sound like a great deal at first until they pull some shit like this. then they threatening you that you will get reported to the creadit bureau |
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