GC Services / Illegal practices!
I got behind on my student loan. I lost their info and could not get in touch with them. Student loan was turned over to GC Services. When GC Services contacted me, I was told my loan amount had increased by $4000 for collection costs. I had cancer when I lost info for original creditor and had to have emergency surgery to remove some organs to keep me alive. I was told to sell my cars, take a loan, do whatever I had to do to pay this off. I was told that they were going to garnish my wages. I said fine, since I wouldn't see the money, I could live without it. They didn't want to garnish my wages then. They said it wouldn't cover the monthly collection costs and interest. I said sorry, I would pay $150 per month. they then said they would proceed with garnishment. Then I started getting reports from my coworkers. GC Services were calling for me and when told I was not in the office ( I drive trucks), they would ask for the payroll department phone number regarding garnishment for ME. They told this to several coworkers. Talk about embarrassment, my nickname is "SKIP" at work now. When I contacted them, they wanted to set me up on some program that would wipe out the bad credit reports and set everything right. I authorized two electronic checks for $100 each to be taken out of my checking acct. They sent me some papers to sign and send back within 4 days or so, I don't remember time frame there. I got very sick then due to complication from the cancer and didn't send in forms. I was trying to stay alive. Well they started calling work again. When they could not get hold of me there, they took the next step. I was coming back into town one evening when my 80+ year old father called me very confused and upset. He said a credit card company called him trying to get in touch with me. They told him I had applied for credit and there was an error on my paper work, and needed my phone number. He gave them my cell phone #, which they did not have. He was upset at me that I was applying for credit somewhere, and I had been out from work for months and didn't have money to pay more bills. He helped me out some while I was sick, so He wanted to give me more money, which he really could not afford to give. Well GC Services then started calling my Cell, even on Sunday. They wanted to really put me on this program. I was already being garnished 15% of my pay after taxes, every week. They made the deal sound sooo sweet. I again authorized two payments of $100 in Feb. to get into this program. When I got the paperwork, I noticed they wanted to capitalize everything. I didn't know what this meant, but I had to agree to everything or the deal was off. The whole thing looked really strange to me. I chose not to accept. They DID submit 2 checks to my Credit Union acct, which were paid. Today, I got another Deposit Notification from GC Services. Another $100. The funny thing is I DID NOT AUTHORIZE this check to be put through from them. It was only 2 checks, not 3, and both were to be submitted in Feb. I am taking letter to Credit Union on Monday and talking to them. Question is: Should I let them take it and file a complaint with my credit union and The State and FTC, or should I just have the bank block it??
I have never disputed the loan, and had every intention of repaying it. Hell I am willingly doing the Garnishment thing to pay this back. I just got very sick.
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