- Report: #130410
Complaint Review: Van Ru Credit Corp - Skokie Illinois
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Van Ru Credit Corp
P.O. Box 1027 Skokie, 60076-8027 Illinois, U.S.A.
Phone:
888-337-8331
Web:
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Van Ru Credit Corp ripoff! Dishonest illegal collection practices took unauthorized payments. Skokie Illinois
I defaulted on a student loan and it was handed over to Van Ru for collection. The lady who was handling my account set up a payment plan.
Initially we were sending the payment by check and when I was late sending one in I called and did a check by phone. I set up 3 more payments to be done as check by phone and once they were done we returned to mailing the payment.
I was told that once 6 payments were made I would be eligble to receive financial aid again. The account rep was supposed to send me information in writing on my payment plan (due dates, amount, etc) and never did. I made 3 requests before I contacted the Dept. of Education to ask about my eligibility and was told that Van Ru had not set me up as being on a payment plan and explained what they needed from Van Ru.
The next time I talked to my account rep she was rude and upset because I had contacted the Dept. of Education and told me she would not speak to me futher unless a payment was late.
On January 4th she called to tell me I needed to send a payment in, would not answer my questions about why I was still not set up as being on a payment plan and hung up on me when I requested to speak to her supervisor.
I finally got the supervisor 2 days later and explained the situation, made a check by phone payment and she requested that I set up further automated payments. I declined again.
On January 10th 2 100.00 payments were taken from my checking account. I called back to find out why and she said tha in December we had authorized automated drafts. I explained that we had not and that the 2nd 100.00 needed to be refunded.
When I called to verify that she had received all of the information by fax the supervisor transferred my call to the original rep and when I called back she (supervisor) hung up on me. I called back to get her supervisor and was informed that a 3rd payment was coming out that day.
I reiterated that these last 2 payments had not been authorized and no further payments were authorized. He stated that they had been authorized and had been verified by a 2nd party (not true).
I called my state attorney general's office and was given an address to a Federal Comptroller's office to explain and have this investigated.
We had to close the checking account that day to avoid further drafts being taken. The company would not give me a physical address, have begun calling my husband at work in spite of a cease communications letter that was sent.
I filed a complaint with the US Dept of Education about this and told them that I would not deal with Van Ru anymore due to their practices. They said I had no choice.
Danielle
Vinton, Virginia
U.S.A.
Initially we were sending the payment by check and when I was late sending one in I called and did a check by phone. I set up 3 more payments to be done as check by phone and once they were done we returned to mailing the payment.
I was told that once 6 payments were made I would be eligble to receive financial aid again. The account rep was supposed to send me information in writing on my payment plan (due dates, amount, etc) and never did. I made 3 requests before I contacted the Dept. of Education to ask about my eligibility and was told that Van Ru had not set me up as being on a payment plan and explained what they needed from Van Ru.
The next time I talked to my account rep she was rude and upset because I had contacted the Dept. of Education and told me she would not speak to me futher unless a payment was late.
On January 4th she called to tell me I needed to send a payment in, would not answer my questions about why I was still not set up as being on a payment plan and hung up on me when I requested to speak to her supervisor.
I finally got the supervisor 2 days later and explained the situation, made a check by phone payment and she requested that I set up further automated payments. I declined again.
On January 10th 2 100.00 payments were taken from my checking account. I called back to find out why and she said tha in December we had authorized automated drafts. I explained that we had not and that the 2nd 100.00 needed to be refunded.
When I called to verify that she had received all of the information by fax the supervisor transferred my call to the original rep and when I called back she (supervisor) hung up on me. I called back to get her supervisor and was informed that a 3rd payment was coming out that day.
I reiterated that these last 2 payments had not been authorized and no further payments were authorized. He stated that they had been authorized and had been verified by a 2nd party (not true).
I called my state attorney general's office and was given an address to a Federal Comptroller's office to explain and have this investigated.
We had to close the checking account that day to avoid further drafts being taken. The company would not give me a physical address, have begun calling my husband at work in spite of a cease communications letter that was sent.
I filed a complaint with the US Dept of Education about this and told them that I would not deal with Van Ru anymore due to their practices. They said I had no choice.
Danielle
Vinton, Virginia
U.S.A.
1 Updates & Rebuttals
J
Somewhere,Arizona,
U.S.A.
Here's something you can do.
#2Consumer Suggestion
Tue, March 14, 2006
Chances are, the employee(s) responsible for this have been fired. A company can not last if their telephone reps represet the company this way. If you have a defaulted student loan there are a couple things you can do... Many states allow you to do a loan rehab. Some require you to make payments for 6 months, while others are 18months. Most states do restore all or part of your borrowers rights after a certain amount of payments for this program. You shoudl also recieve documentation and have to sign paperwork for this program as well. While you may not anticipate being late, auto drafts make things easy incase something happens to the mail. From my experience with it, you can not be late for this program... even being more than 5 days late can cause the program to start over... Thats at the states descretion, not the collection agencies. Remember, the quicker your account leaves their office the better off you are and they are, as that is how they get more business. Another option anyone with a defaulted student loan can do is contact the department of education and ask about the william d ford loan consolidation program. If you have not consolidated your loan through them before and defaulted, you're able to do this. I believe the website is loanconsolidation.ed.gov Its an income contengent loan and restores borrowers rights.
