I'm not even sure where I should go from here. I have been dealing with this company now for two years. I defaulted on my student loans, I will be the first one to say that I have done this. I was young and stupid, but now I have been trying to correct the mistakes that I have made. My wages had been garnished, my income tax was intercepted. Out of no where I was contacted by Windham offering me the chance to start this rehab program to get my loans out of default. I agree to the offer of $50.00 per month. That was all I could afford at the time. I was told that I would be in the rehab program for at least 9 months. I was also told it is a case by case basis for how long you are in the program, but it would be no longer than two years. Once sucessfully completing the program, my loan would be taken over by a private lender, thereby taking it out of default status. I agreed. That same month, my payments started. And every month there after, on the 25th the money was deducted from my account. I made every single payment.in Jan. I contacted Windham and spoke with someone named Chuck. I wanted to know what the next step was with getting my loans out of default and moving to the next step. I was told by him, that I would have to fill out paperwork, sign it and return it. I was again told that this would be a case by case basis as to when this would happen for me. He took down my information, and mean all of my information. He asked me for all of my work information, my husband's work information, he asked for three references. He said that he needed all of this information for the "lender." He said that when my time came for loans to move to the next step I would receive paperwork by mail and email. He said that I would have to fill this out, sign it and send it back in. I thought this was great I was finally making progress and I was going to get my credit back in order. Fast forward to yesterday. I came home from work and there was a message on machine from a Mary Jones stating I needed to complet and return the packet that was sent to me in order to sucessfully qualify for the next step. I immediately called because I had not received any paperwork by mail or by email. I spoke with a very friendly woman named Robin Morrison. She said that this paperwork was sent to me months ago and that I have never sent it back in. She said that was ok, because she could take all the information over the phone. I again gave her all of my information, the previous person I had spoken too had asked for. I again answered all of her questions. She started going over the information that was in her system about me. There were several discrepancies. My address was completely wrong, they had me down as receiving monthly child support (my husband and I are together and our three children live with us), and all of the reference information they had was completely wrong. She said that this was ok, she would correct everything, and the person who had originally took the information had entered it completely wrong. She said that is why he was no longer with the company, but she could help me with all of this. She was very nice and understanding. I asked her who this Mary Jones was that left a message on machine. She said she was from the New Hampshire office. She said that she would send everything out to me and I should call her once it's received, so she could walk me through everything, so it's done correctly. She also advised me that I would need to include copies of my marriage license and driver's license to change my last name since I got married. She then stated that there was something she needed to look into, and place me on hold. Her supervisor then picked up the line se said that I was no longer in the rehabilitation program because I missed two payments, one in May and one in June. I asked the supervisor how that was possible when my apyments are deducted directly from my account. She stated that I had completed the program with my April payment, and that's why the payments stopped coming out, but I'm in default because I missed two payments. She said that I should have called in to find out why the payments were no longer coming out and also ask why i didn't receive the paperwork. I tried to explained to her the paperwork was never sent out and I was under the impression that I remained in the program until the loan was taken over by the other lender. She stated nothing was ever explained to me like this. She said it didn't matter because I failed to comply with the program by not continuing to make my payments and returning any and all paperwork. I again tried to tell her that I never received anything from them besides the monthly payment reminders. She then said that if I would be a responsible adult and take care of my affairs maybe I wouldn't be in this situation. I couldn't believe that she could talk to me like this. She then started belittling me and saying how I was completely in the wrong for all of this. I will admit that I became very angry and I started yelling at her. She hung up on me. I called right back. I got another rep on the phone named Fidel. I explained everything to Fidel and also let him know that I was very upset and confused by what was going on. I asked him why no one contact me when I supposedly missed the payment for May. He said because they couldn't possibly contact every single person that has a missed payment, ther are just to many people for them to contact. So I started asking him questions. I asked in what instances do they contact people. He said when there is a problem with the account. I asked what are examples of problems that would constitute a person being called. He said a missed payment is one example. I asked him why I wasn't contacted when my may payment was missed. He said because I was no longer in the program. I then asked for other examples. He said if paperwork is missing. I again asked why I wasn't contacted if my paper work was missing. He then said that I should have called them. I knew nothing of any paperwork until I got a message from Mary Jones. I then asked why someone would leave me a message about paperwork, if I was no longer in the program. He claimed that was left in error. He also stated that he didn't know who Mary Jones was. I asked how I could talk to her directly. He said he didn't know. I asked him for the number to the New Hampshire office so I could talk to Mary Jones. He told me to ask for extension 2200. He then started bullying me. He said there is nothing that he can do for me, I'm out of the program and I have to do the whole thing over again. He said that he could set me up again, and I would have to do another 9 to 15 months. I advised him that I wasn't going to do that because I held up my end of the deal for two years and this is where it got me. He said that he was not going to answer more of my questions because I was wasting his time. I informed him that I have the right to ask as many questions as it take for me to fully understand my account. He said that I have no right to be wasting his time. I again said it's my legal right to ask any and all questions that I have in regards to this account. He finally admitted that Mary Jones is not a real person, but just an automatic dialer. He then stated that no one can help me and the only options I have are either re-enroll in the program or not pay and continued to live in default. He said they have been trying to contact me since March about this. I then said that I thought they don't call out because they have too many customers. He then said that I was called in April as well. I then asked how many times someone called me in May. He said there were none. I asked him why no one called me in May when I didn't make a payment. He said he didn't have that information. He then said that he couldn't answer any more of my questions because he had wasted enough time with me. So I hung up. Today I come home from work and again there is a message on my machine from Bob Jones about completing and returning the packet. So I called again. I asked who Bob Jones was and asked to speak to him. The woman I was talking to (Debbie) said there was no listing for him. I gave her my information so she could look up my account. She placed me on hold and I was transfered to Ashley. Ashley told me that I'm currently in the partial payment program. Funny, I thought I was not in any program, but what ever. I asked her what that was and she told me for people that weren't in the rehab program. So I asked her who Bob Jones was. All of a sudden someone named Traci White came on the line and said she was a supervisor. She starts yelling at me that she will no longer discuss my account with me unless it's for me to set up a new payment arrangement because I'm wasting their time. I asked her if she was denying my right to obtain information on my account. She became very silent, and said no that is not what she said. I told her that is what she said because she said no one will take any calls from me any more unless it's to discuss paying this debt. She was yelling at me and I repeatedly asked her to stop. She said that she would stop when I stopped raising my voice to her. I never once yelled at her or anything. I just told her that I will no longer make any arrangements with them because they are con artists and they can take me to court to get their money. I don't know what else to do. I don't know who to contact for help with this. Some please help me.
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