GazzieGirl

Ok my very dear friend is having an issue with student loans.CB has been invaluable to me so I am hopeful it can help her! A bit long but bear with me: She enrolled in a 1200 hour vocational program . She has had numerous personal difficulties that have made getting through through program difficult however she's an excellent student. Some of her Pell and some Unsub/sub loans have paid the tution and supplies(almost $10k). She is at (over)900 hours and can get a second set of sub/unsub loans and remainder from Pell grant(about $5k). She badly needs this money however she doesn't know if she can complete the program(complicating matters is the fact our state will allow her to "test out" for certification at 1000 hours rendering the remaining 200 meaningless). She has had difficulty getting information from the school's financial aid office.Her contract states that ater 61% of the program being completed the school keeps the money if she withdraws but when she inquired she was told the school gives everything back to government and she owes the school directly. This doesn't seem correct to me. I would think the school keeps only what she used (1000 hours) and returns what she didn't (200 hours) and whatever was issued directly to her she would keep and begin repayments to the government. Would this be the case? She has apparently searched the web and couldnt find an answer and she said when she called the FAFSA helpline thery told her to talk to her school. My friend has had a really bad year and I would like to see something turn out ok for her....Can anybody help with an answer? Thanks!

Within months of filing BK my Ex and I purchased a home and got a great interest rate from a reputable lender(we also had $20k to put down). If you dont want to go the BK route then prepare to dig and work on repairing what you have going on now.....

Yeah I don't understand why it wasn't paid and what is going on. The Doctor's name is on the bill. I am thinking I will send this CA my insurance information again and see what comes back? If anything that will buy me some time while I try to figure it all out right?

I p/m'd you info on a law firm I and other posters have used. They work on contingency. After you give them your documentation they do all the work so time isnt an issue. You will also likely settle so don't worry about a trial!

I was seen in the E.R on April 3rd of this year. My insurance took care of the bill and my balance with the hospital is zero. I am receiving bills from an out of state company called "ER Doctor Billing" for an amount more than the hospital bill.They claim they are billing for the Doctor's services (NOT the visit and hospital charges) and that my insurance refused to pay them. Insurance says everything is paid and to ignore this.Hospital says they have no knowledge of anything. I'm scared to blow these people off as I have worked so hard to clear my reports (which thanks to this board I did and am finally "baddie" free!)and I keep invisioning ignoring them and they put this on my reports. What should I do?

Results arrived today and it IS deleted!! My final baddie is gone. I now have three 'clean' reports! Thank you ICANHAS!

Since I could only find really old threads on the topic of Suncoast I thought I'd start a new one. I just found out I can join today and opened an account! If anyone is interested I thought I'd let you know that they pull Experian (they have signs stating this on the desks and the teller was nice enough to ask if it was "ok" to pull EX for me). Going back in tonight when husband gets home to add him to account and see what we qualify for. Anybody else currently using Suncoast?

Thank you. I think you are right about not saying "dispute". Let's see if I can remember how to do a CMRR and get that out tomorrow!:-) This is my last baddie!!!I can't believe I have come so far!!

The Lawyer I have for EX,EQ and Prof Adjustment eventually declined to take the case against Alliance One(they went back and forth a few times)...I disputed again with TU and got nowhere. I have been busy with the EX/EQ legal wranglings and I kinda 'forgot' Alliance One(plus it was gonna fall off in 2013 anyway). FLASH FOWARD: Just pulled my reports today and I notice TU updated Alliance One to JUST THIS YEAR!!! Although it shows it as "paid" I have an $81 collection account supposedly opened THIS YEAR! WTF! This was supposed to fall off in 2013 but now Ive got it on there for alot longer. WTF?!?! I have kicked @#s at clearing my reports and now this measly $81 is thwarting my hard work. Oh yeah I have a letter from Alliance One stating "WE HAVE NO ACCOUNT INORMATION FOR YOU AND YOU ARE NOT IN OUR SYSTEM". Advice?

UPDATE: My case is still going! Lawyers sent out notice to EX and EQ and the CA ages ago. EX and the CA did not respond. EQ did and are co-operating quite nicely and we should be settling soon (yay!). EX & the CA are not behaving(LOL) .They are both ignoring notice from the law firm and they are getting themselves in more trouble(ignoring cease and desist by contacting me directly,changing the TL with more incorrect info etc)so we have a long way to go but the lawyers are very confident! The law firm also took on the ridiculous $81 that Alliance One admitted in writing that is not mine-yet refuse to delete as does TU who we are also going after Alliance One and TU and we are waiting for responses now. This hasn't been easy and it's not quick but the end is in sight. I havent been on the board for a long time as with the lawyers handling my last baddies there is no "work" for me anymore! In the meantime TU is at 693 with no drop in my other FICO and FAKO as I am paying on time and my "goodies" are reporting nicely so this should be my year!

I'm stating my experience with Target,Cap One,USAA and Chase. They all stated no SS# = no report. They are happy to issue a card in the AU's name but stated a name is not enough to link to a credit file,they have to have a SS#. As a victim of identity fraud I know all kinds of chocolate get dumped on reports but I'm stating what I was told by numerous sources which makes sense. I have a very common name so at least I know if my SS is linked it has a way better chance of reporting acurately. Y'all do what you want.........I am just stating my personal experience in the hope it helps answer the OP's question (which is how this board works no?). I guess I shouldve stated "YMMV" hey? I spent over an hour on the phone with Chase saying DH was "stupid"(exact words) to think his AU status would report without them having his social.

No SS# = no reporting. Just went thru this myself........if the cards do report AU they HAVE to have your SS# otherwise how could they report it? Your SS# is linked to you-can you imagine if they just went off a name? I was told that if you don't have it linked to your SS# you are simply given permission (more or less)to have/use a card but are not considered jointly responsible(i.e if Mom doesnt pay her cc bill you dont take a hit on your reports whereas if your SS# is linked you would take the hit too). HTH!

P/M me. I had Universal Data Services reporting for someone elses plastic surgery for over $12K. They folded with one basic DV letter.I have direct info for someone there. Don't sweat them! They were as easy as RJM Aquisitions!!!

Good Luck! I had to get a lawyer because EX refused ,thats what they said,refused to re-investigate. They were then really shady dating that letter for the same day my dispute was dated and then postmarking it for only two days later even though it took forever to get the green card back! My was same deal...a CA refusing to DV yet the account keeps "verifying". You may need to go the legal route.

Here's a weird one......Iv'e been getting 7 am phone calls from a strange WA state number(my phone is off at that time so didn't answer nor did they leave a message).Google the number and see people saying it's ER SOLUTIONS! The paranoid in me wonders WTF as I the calls started after posting in this thread(although how can it be connected?) I know I don't owe anything and ER Solutions have no business calling me. Everything I read online about this phone number where what you'd expect from a junk CA with people saying they are calling and demanding socials etc for an unnamed debt. I'm tempted to answer and record them to see if I can pick up any violations!