Howdya like this?

[mcdonca]

I've mentioned this on this board before but allow me some repetition here. I graduated from college in Dec 2004, so about feb or march of this year i tried calling Direct Loans to figure when and where I need to start sending payments. To my surpirse, they tell me that my loans are in default and have been since 2002. After a little investigating, I find out the reaon is that for a couple of semesters I was classified by my school as a 'non-degree seeking student'-still haven;t figured that one out- which meant that my school didnt report my attendance and I guess DL still had my old addresses or something. Long story short, while fighting to get the defaults removed, I also started looking in to consolidation. I explained my situation to the people with DL Consolidation and asked specifically if consolidating my loans would make problems with my current situation of having the default being changed, they said no. Asked the DLSC the same question, they said no as well, so I did it.

 

Now Im being told essentially that "While we do see the error in the original defaulted status, now that the loans are consolidated, there's really nothing we can do about it because their is no account to change, we dont have an account for you" WTF, it shows up on my credit reports every month, you've got something on me because your reporting it and your verifying it when i dispute it.

 

I've recently made an inquiry with the ombudsman and I even written my congressman-who hasnt responded btw- past these two is their any other option out there, I feel like Ive tried everything

Edited January 7, 2006 by mcdonca

[LynnInMN]

Since there was defaultable issue on your part, DL would probably not do anything anyways. They can default you for not notifying them of a change of address within 10 days. You were probably down as a skip.