I recieved a called from NCO financial from Mr. Lloyd Clayton. He stated that my student loan was in defalt and that I immediately needed to make a payment or my wages would be garnished.
I explained to him that I was out on Maternity Leave and I had no income coming in at the time but I will return to work in about 4 more weeks. He asked if I could borrow the money from a family member. He told me that if i could make a 500$ dowm payment and pay $50 dollars a month that would put me into the loan rehab program.
I stated that I needed the information in writing and he promised to send me the paper work for the amount that we agreed and to be in loan rehab status. Mr. Clayton stated I needed to express mail it so that I could make the dead line which was three days away.
I sent the $500 dollars and allow $50 a month to be deducted from my account for several months. I received a letter in the mail that was totally differnt grom the agreement and I called back and spoke to Mr. Clayton, he told me that he sent the letter for $232 a month and that was the amount that i would have to pay once I returned to work.
Well I got a letter in the mail stating that my wages were going to garnished. I immediately called and spoke to another represenative, well Mr. Clayton was no longer employed and that i was not in the loan rehab program. Money gone down the drain.
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