While i am concerned that anyone would act like that to you, i am not surprised that you got bad "costomer service", mostly because you are not windham's customer the lender(perkins) is and they don't have to cater to your needs. Conversley you can catch more flies with honey, so i am not sure why collectors act like this. you should request your original promissory notes and see if you signed for collections fees to be added to your balance( probably, with most education loans, and medical bills) my advice is ask to speak with her supervisor or someone else in her department, if she says no, advise her that you will not communicate under duress hang up, call back and listen to the options before you put in your extension and look for an operator, then ask for a manager, supervisor, director, etc. when you speak to them refrain from complaning repeatedly about the collector as these folks work together and might be friends, advise them you wish to make arrangements but will not speak to her, that should get her out of the picture, just remember doing whatever they can to get you to pay is good customer service for them their customer is the lender, however the two can be the same, your personality and hers probably don't match. Seriously these type of collection agencies wield alot of power, most of their clients are state departments of education, and that goes to the heads of these bill collectors
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