We were contacted in July to consolidate our loans, we were assured the credit cards would be cancelled and accounts would be closed at the time the new loan took effect. The loan became effective July 22 and we were told our account was closed and no additional charges would be applied.
We were now strickly dealing with a loan, the credit cards were a thing of the pass.
During the next 2 months there we many more phone calls between cross country and myself, each time assuring me my credit card account was closed, all monthly statements for the cards had also stopped being sent to me and also gave me reassurance the accounts was closed.
In October I had went through a home loan process which also helped me pay off all my other loans i had, Two checks were sent to cross country on 10/3/02 and were accepted and cashed by cross country on 10/19/02. We were sent a letter telling us to contact their customer service department. Upon making the call we were told we wwere due a 368.87 refund due to over payment, and should be receiving that within two weeks, also all accounts with them were paid in full.
In mid-November I once again called them because i had not received my refund, I was told at that time, I may not get any refund because I was only allowed to overpay my account by $75.00 and I had exceeded that amount, I advised the operator I was entitled to the 368.87 and if I didn't received it by 12/10/02 I would have no choice to seek legal advise, she hung up on me.
On 12/14/02 I again tried to contact them, this time I was told I was entitled to 304.00 and it was subject to a 4 months holding period, in addition my credit cards were again active, and they would be deducted monthly charges from the orginal 368.87 monthly.
Now first thing Monday morning I will be seeking legal help
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