My question involves collection proceedings in the State of: Ohio? or Illinois?
Live in Ohio, went to school in IL. Defaulted on three student loans WHILE I was enrolled in school full-time. My last semester senior year, I started to receive letters from AES, who was collecting loan for Wells Fargo (originally taken out through Wachovia) saying loan was due. I explained I was in-school full time and they said no problem, just fax verification. I faxed twice and twice they claimed they never received it. We had months of back and forth conversation and arguments between AES, Wells Fargo and myself. Seriously exhausted every option to take care of this except legal. I did it third time, of which I have a copy of ORIGINAL OFFICIAL FAX from my university sent to AES, which was their specific form, with attached registration and record, stamped from my university. I have documented conversation with first name of someone from Wells Fargo saying in-school deferment was okay. In fact I did this also with my federal student loans, one of which was serviced by Wells Fargo, and did not have a problem. Ultimately though I received a letter from Wachovia Recovery Processing asking for payment in full because the Wachovia/Wells Fargo private loans were charged off. I basically graduated from college and a week later defaulted. Both agencies (AES and Wells Fargo) wiped their hands of any wrongdoing and refused to do anything to resolve issue, jjust passed me back and forth. My university couldn't do anything except repeatedly fax this form. I have been left with destroyed credit and high monthly payments. They bullied me into payment plan which I have done for over a year. Can they really declare that I defaulted because they didn't recieve a fax? If they come after me and it goes to court could I not just show the documents I have? I really am not a dysfunctional person, I have just somehow brought on this ridiculous situation. I have paid high monthly payments on time for 20mos. They want me to up them... and I want this wrongful default removed. Can i do ANYthing?