I'm skipping the long detailed story and just getting to the question/point.
My student loans are in collections with a company called ACT "account control technology". Anyone have any experience dealing with them?
My loans have been broken down into a couple different lumps and rather than being handed over to the collection agency in whole so I would only incur penalties one time, I am receiving multiple penalties for each lump of loans that have been handed over....
Well, in the mess of lumps the collection agency has recieved they have recently sent me a settlement letter. On the letter it clearly lists that by paying a certain $$ amount the ENTIRE (all lumps) account would be considered settled and closed. I sent in the amount and they cashed the check. Now they are saying that they made a mistake and are trying to collect again. Does my proof of the records I have kept do me any good, or am I forced to accept the fact they made a mistake on their offer letter and begin sending more payments?
If I need to provide more detail I can, but wanted to see what kind of feedback I could generate first.

