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Windham Professionals / Rude and seems like a scam

1 Salem, United States Review updated:

This company has been calling me non stop for a few yrs now, claiming that I had a student loan that was in collections that I never paid. I was young, stupid, and just got out of college and I didnt know any better. So, I started making small payments here and there regarding it. The only statement theyve ever sent me is one that is from their letterhead. I thought I consolidated all my loans with Chase Student Loans Services but they insist on me having these loans from the MA Board of student loans. One guy from there who has called me claims to be Billy Vasil or Milly Basil. He slurs his words and when I told him I was making monthly payments of $50 and thats how it was gonna be to stop calling me, he got very rude and was somewhat insulting. I dont put up with anyone talking to me like that, nevermind some guy from a collection agency. So i decided to do some research since he keeps calling and leaving harrasing messages. I was just curious what my rights were, how can I find out if this is a scam, and what can I do? How can I make the calls stop?

Thanks You

Frank Rubino

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  • Je
      25th of Nov, 2008
    -1 Votes

    I totally agree they are a scam. I just got off the phone with them and the only way they will set up payment arrangements is if I give them a bank account number. They don't accept money orders or cash at the office. They are insisting on a bank account number, which I refuse to give to anyone! I'm going to look up the better business bureau number and call them tomorrow. I'll update here with what I find out.

  • Dl
      26th of Jan, 2009
    -2 Votes

    I am a collection agent for a competitor of their's and i have to say that most of the things i am reading are standard practice. If they or my company recieve your loan it has usually been in default for SEVERAL years, and been garunteed out by a state or federal department of education. While i don't know about their specific payment arangements, my company only accepts secured payments for the first payment. Let's be honest most people will promise the moon and stars to get a bill collector off of the phone. Maybe we are just expecting to be treated like customers, not like people who owe thousands of dollars. most education accounts at this level are large, and the info they have is old. it is very frustrating to have to hunt someone down to get them to pay their bill, and state departments of education can garnish, usually without a court order, so many collectors have a very no nonesense attitude. We have collectively heard every sob story out there, so a new one doesn't phase us...The moral of the story, just because we don't like what they have to say, doesn't mean they are a scam. A defaulted loan is due in FULL any other arrangement is a courtesy.

  • Ip
      3rd of Feb, 2009
    0 Votes

    I on the other hand am being billed incorrectly and contacted a number which then this company transfered me to these so called professionals. I spoke to a woman by the name of Crystal and explained to her that these charges are incorrect and she tells me why am I calling her? That's what their records show and then she started talking loud which was not called for. I was in total shock at this point. They have no right talking to people in that manner. I was under the impression they didn't feel like working. I just think that if they answer the phones in that manner it makes it obvious they hate their job. I feel sorry for them.

  • Bi
      5th of Mar, 2009
    +1 Votes

    Today I got a call from Windham Professionals. I told them that all of my student loans were consolidated with Sallie Mae and that I was paying them $300 a month. I am also unemployed and can not afford to add another payment to the monthly rotation. He went through my list of expenses with me and suggested I try to reduce the amount we pay monthly for our medical costs and to put our cat down. Our cat has asthma and we have to by a monthly inhailer and medication for him. Are you kidding me?! At that I said I'm really sorry that we don't see eye to eye. Not paying you at this time is not going to result in your death. It could in my cats. He said well once you are finally working again I will need to garnish your paychecks. I said Sound Great! Have a nice day ###. I am so angry.

  • Tb
      12th of Mar, 2009
    0 Votes

    I have yet to speak to anyone at this agency, but they've been calling me for a week now & leaving me a message for my husband on my cell phone. They say it concerns a "business matter, " which made me curious. I called the number back & got the agency name, & discovered that they were an educational loan collections agency. Funny thing, though-- my husband has never taken out educational loans! So, I freaked out and immediately went online to the govt. loan site to see which one of MY loans - if any - were in default. I've been paying off my student loans for a year now - even while in school - & found no evidence of default. What's going on?? Why are they harassing me?? What can I do??

  • Cb
      14th of Apr, 2009
    0 Votes

    This company has an employee name Ken Houle who has given me absolute hell! He called the office I work for to collect a debt that the company owes. I told him that I would get back to him once I find out an arrangement. I called him the next day and had to left a message, the following day I had to take some time off of work due to a family emergency. I finally got back to work today and while I was at work they sent someone to my house, taking pictures of my house, looking in my spouses car and asking my neighbors about me. Mind you this debt that they are collecting is NOT against me it is against the company I work for. The lady then served my spouse with papers on this debt. This is totally unacceptable. I have talked to a lawyer and what they did was completely illegal. Aren't debt collectors supposed to know the law??

  • It
      4th of May, 2009
    +1 Votes

    First of all slypup, when you type in all caps it means you are yelling. secondly, if you work for this company, and anyone else for that matter who works for a collection agency: try being nice. I know its a crazy thought, right?! people who know they are drownding in debt, dont always get there on purpose. having someone harrassing you isnt really going to want them to pay you. if you are calling for your money, other companies probably are too. have some respect for the human race and treat people the way you would like to be treated if you happened to fall on unlucky times.

  • Vg
      5th of May, 2009
    -2 Votes

    Hello Everyone!
    When one of these people call you...laugh at them. Tell them to give you their address so you can send a cease and desist letter. Tell them you only deal with the people you owe the money to, not these vultures.
    Collection agencies are parasites, they create nothing, they live off others misery. Tell them if it wasn't for you, they wouldn't have a job, and most of them can't get one elsewhere.
    Remember...laugh at them.

  • Dl
      11th of May, 2009
    +1 Votes

    Just so everyone knows cease and desist letters will only delay these types of debt, and in most cases the lender will just hire a new collecton agency, and add more collections fees (student loan prommissory notes state the borrower will pay collections)... and for the record unpaid student loans are backed by the federal government... my tax money and yours, so I personally want them to get this money back, as far as i'm concerned it is stolen money and they should prosecute, don't misunderstand me I have money problems like anyone, but I make arrangements and pay my bills as well as I can, and when I find out I have a bill I didn't know about, I don't cus the person telling me and insult their entire profession, I just look for a way to protect my credit and my childrens well being, you see more and more jobs are not hiring people with bad credit, because that is a temptation to steal (to pay there bills) and untrustworthiness (the didn't do as promised/ kept money they were supposed to pay back)... has anyone thought if bill collectors could get the money without acting like this than maybe they wouldn't... it usually is nescessary because people try to get out of paying, by lying about their income, or anything they can... seriously if everyone was nice and and honest there would be less scare tactics and more friendly bill collectors

  • Te
      28th of May, 2009
    0 Votes

    They threatened to take my husband's army rank away by reporting him to his co and he's deployed right now too!!! this is a federal offense!!! please, people... report them to the attorney general of nh and the fcc and your local da... what they are doing is highly illegal if they threaten you in any way, shape or form... you can do the fcc report online.

  • Dl
      29th of May, 2009
    -2 Votes

    even though i hope this is not true, i have to agree, if you are threatened by any 3rd party bill collector get a lawyer, and fight it, but know that there is a fine line between aggressively informing and threatening, it is only a threat if they CANNOT follow through, e.g. they can garnish, but could not report someone to their C.O. in the military, feel free to msg me with your examples and i will tell you what i think

  • Sa
      2nd of Jun, 2009
    0 Votes

    I have a Perkins loan that I defaulted on and it is only $250. I had overlooked it, I suppose. But, nonetheless, it has been placed for collections through Windham Unprofessionals. I received a call earlier today and the caller (who did not identify himself, only that he was calling from Windham) told me that I must be a drunk and that is why I was unable to make the payment. He then later told me to go screw myself. When I called back to complain, Windham had no record of any calls being placed to my number. Unbelievable.

  • Wi
      4th of Jun, 2009
    -2 Votes

    I think it's amazing that these people who allegedly can't pay their bills, find time (and money) to have internet access, and spend their time posting on these sites that have no relevence.

    I almost laughed out loud, while at my work, windham professionals, when someone stated that we sent people out to spy on their property. I mean come on, are you that desperate? the first thought that came to my mind, if you're guilty right there. you're probably breaking the law, and thus investigators, law enforcement, was sent after you.
    It's a shame people are this ignorant as to think we actually have the ability to send out "investigators".
    Bill collectors know the law.
    Apparently you don't. and as one other person said, in essence not paying defaulted loans is stealing from the government, thus you are not only ignorant of the law, you are breaking it.
    Have a great day!
    P. s. this is a communication from a debt collector, and an attempt to collect a debt. any information obtained will be used for that purpose, this text may be monitored or recorded for quality assurance.

  • Dl
      10th of Jun, 2009
    0 Votes

    You know I know that regular folks say some bad stuff about bill collectors, but I don't think insulting people is helping, come on act like adults, why would you say someone is a drunk it is none of your business, not to mention you are giving our company a bad name, not that is wasn't bad enough, you know you can be firm without being mean, honestly, would you talk to your mother like that, how about your grandmother, your preacher, or god (who is supposedly always watching) you are a travesty to our business and are no better than the bottom feeders that people say we are, I am ashamed to say I work with people like you, why don't you go be a l. a. cop if you wanna be mean, you might make bigger bonuses if you could talk to people

  • Dl
      10th of Jun, 2009
    0 Votes

    ALTOUGH th fdcpa script was [censored]in' hilarious

  • Gl
      11th of Jun, 2009
    -1 Votes

    I had a defaulted student loan that was sent to Windham Professionals for collection. I don't remember how many times I tried to rehabilitate my loan through the TX Dept of Education but they wanted a huge down payment before I could be eligible to make monthly payments. A year later I decided to give it a try one more time. I called TX Dept of Education again and they told me my account was already in collections. So after they gave me the phone number for the Collection company (Windham) I prepared myself for the worst but I was decided to do whatever it took to rehabilitate my loan. I was unemployed and recently divorced at that time. I called Windham and to my surprise, they were the nicest, more courteous and professional collectors I have ever had the pleasure to talk to. I didn't have to give them any money down. They set me on payments of $130.00 a month. I gave them my checking account and they started withdrawing payments every month, the same day. 1 year later, I'm back in school. My loan rehabilitated and I am the one that always calls them to make sure everything is ok because they NEVER call me, why? Because they don't have any problems collecting the money that I OWE. Thanks to them I'm back in college and I am still paying my debt. They are real, they are not scam, they are just doing their job and they are VERY Professional.

  • Wi
      16th of Jun, 2009
    +3 Votes

    This company is ridiculous. I recently quit Windham due to extremely pathetic conditions and shady dealings between management.
    There is a lot of favoritism and sneaky tricks going on in the Hendersonville Office and the would be wigga manager (no not Matt) the fat redneck with purple hair, is the most corrupt and has the worst poker face of all. The H'ville office can't keep an employee.
    Ever since I started there has been a constant turn over. People are leaving Windham to work ANYWHERE else they can.

  • Te
      19th of Jun, 2009
    0 Votes

    These people are ###. Received a voice mail this morning from one of their reps telling me I NEEDED TO CALL HIM back in a very rude way. For some odd reason I thought it was a recruiter calling me. Come to find out this place is a SCAM job and they were looking for the wrong person. Not sure how they got my cell phone information so I asked them and they asked me for my number and disconnected me. This place is a "Boiler Room" except for the Vin Diesel. Stay away from these crooks! They need to be shut down immediatly as they have sensitive information on people. I'm reporting them to every govt agency I can file a complaint to.

  • Je
      28th of Jun, 2009
    +1 Votes

    Why on earth would anyone take a job in collections? I guess the people who do have hardships or can't find an easier, less stressful occupation. In the past, I treated bill collectors as a challenge - someone who has engaged me in a battle of will and wits and to whom I was hell-bent to "out irritate". It was almost like a game of telephone chicken to see who would hang-up first.

    When the collector called, there was never any chance that I would pay on the spot and no amount of threats or intimidation could change that and this is still true today. If a rude or arrogant collector calls, the possibility of any meaningful dialogue evaporates instantaneously and it quickly devolves into a battle royale.

    Technology has now given the consumer an increased advantage over the collector to some extent in the form of caller-id and online databases like this. From these, you can now get a sense that you are not alone and can gage an idea of how a company is going to deploy its strategy in attempting to collect the debt. Sort of makes you feel that you're not the only victim of these silly tactics and a forum like this gives you a voice to let these people know you are not going to take it.

    Another advantage of the technology age is that you can have more than one phone number and that number may or may not listed in your name i.e. a spouse or relative with a different surname, a company name, skype... When you sign-up for a purchase or a loan, think about the possibility that you may become delinquent at some point. Think about saving yourself the aggravation of having a dopey collector bothering you by letting him/her call a number you use exclusively for sales or "junk" calls and rings somewhere far from earshot (or not at all like a voicemail only number). Never give a cell phone number or work number. As an aside, set up a second or third email account and list that one on sales or loan forms as well. In other words, the collector may EVENTUALLY find you but why make it easy.

    Talking to these people also requires a little forethought. They are not your friend and will use tactics to find out more about you - other phone numbers, addresses, email, aliases or anything else of use in order to collect the debt. Give them NOTHING!

    Don't let these people scare or bully you. They can't get you demoted at work or have you put in jail or anything else they claim they can do. In the cases I've read about them taking pictures or intimidating you, call the cops!, let these fools explain to them about what exactly they are doing.

    If you're like me, you most likely DO OWE the debt they are attempting to collect. You know it and they know it. In my case, nine times out of ten I had simply put the bill on a pile of papers somewhere and forgot about it. I make a good income and have no reason not to pay it. The only reason its not paid is disorganization and lack of momentum. This is where I have my NEW philosophy on bill collectors.

    When they call (unless they're rude or nasty) I now thank them for making me aware of the delinquent bill and thank them for their time. They almost always want me to take care of it that moment and I always decline and say I will contact the company to whom I owe the money and pay them directly. I usually get several responses to that: "Your credit rating will be affected..." or "we will continue to call even though you said it will be taken care of..." Both probably true but I still decline and usually hang-up. There may be a commission for them if they get the actual payment and since they have irritated me, "no commission for you!" Then, I really do pay the bill. Usually online or by mail directly to the company. eventually, the calls stop and that's that.

    If some bill collector is going to tell me I should clean-up my act and pay bills on time especially since I am fortunate enough to have the ability to do so, I would say look at your own lives and put your own house in order first. Quit giving me a holier-than-thou lecture. You're basically just a voice on the phone who has no power or control over me whatsoever so, shut the hell up and go away!

  • No
      3rd of Jul, 2009
    +2 Votes

    I got a letter from this agency yesterday for a debt owed to my university that I've been paying off in installments.
    On the $4100 principal amount, Windham has added $55, 300 in interest and $16, 700 in collections. So you can imagine my reaction when I received a letter from them stating that I owed them $76, 000+.
    Needless to say, I won't be dealing with this company, and have taken it up with the university directly. I wonder if they know what kind of company they have representing them?

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