Complaints & Reviews

Horrible work environment - taught to break the law

I have worked for Van Ru Credit now for over 4 years. I am sick to my stomach at what goes on during a work week. If I was not in a tough situation financially I would leave, and currently looking for another position. In the last 90 days they have let go of over 80 people. Some of the Managers who actually work with us have resigned or gotten fired. There are rumors the company is going to shut down, and that they are running out of cash.

I have been working directly for some of the top people, and cant stand them. From Steph Lavigne down. He is a phony, who lies to our faces and tells us stories just to hear himself talk. Between his 45 smoke breaks a day and him constantly talking about how all the clients love him. Its amazing if he actually gets any work done. He thinks everyone likes him meanwhile they abuse him. He is a tool, and his boys club is a joke. There is rumors they are using clients money. And I can say for a fact they have taught us to break the laws and threaten debtors into paying using strong arm tactics. Its time someone does something. They have been sued for not paying vendors, not paying contractors over and over. Its a joke inside the company.

I am actively looking for management position just concerned because I am at this hell hole will anyone hire me as its known throughout the industry what ### these guys are.

  • Sa
    Sara Leeus Aug 07, 2017

    I worked at Van Ru for ten years. I agree with your view of Steph Lavigne. He swears more than a grown man needs to, smokes way too much... including his office (I worked on the corporate side where the smell is unmistakable in the hall) and doesn't command a lot of respect. Once they lost the D.O.E. contract the company started circling the drain. When they started using scripts and taking 30% of bonuses for missing a line I knew it was time to leave. Collections became so politically correct that we had to treat borrowers as though we owed them money. I've been out two years. It was fun while it lasted.

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Company filled with lies

I have been harassed by this company, 6-7 times a day for the last 3 months. They continue to call, and scream and yell at my children asking where I am. Personally I have spoken to Van Ru several times explaining that I am trying to get on my feet. They responded with they do not care, and the bill either gets paid or I am going to find myself in court. One employee, actuallyget told me "to get my Sundays best ready because i am going to need to be dressed for court' They are awful people and it seems these tactics are learned from the top down in this company. I researched the ownership, and people who run this company. There is reference of a Roger Rubin, and when googling him there are pictures of half naked women in his photo shoots. Then there is the current President, Steph Lavigne. Besides what is said on other sites about him by his employees I found him on LinkedIn. He is on a business site sitting on a Yacht. Thumbing his nose at honest hard working people. That's quite an example.

Collection company

This company has harassed me on my cell phone, and my land line. They call all hours of the day, seven days a week. They were given my bank information by the original debt company. They proceed to take money out of my checking account even after, I asked them to stop. I told them they did not have my consent, but they keep doing it anyway. How can I stop this from happening ?I spoke to someone there, and they were informed to stop, and return all they had taken out of my account. They said if I would send proof, that it was indeed taken out, they would return the money. I faxed them proof, and they have not returned money. In fact they have taken more. Now they refused to return my phone calls. They have a automated system, that never lets you talk to a live representative. In stead it saids leave message with phone number, and call will be returned. They never return call.

Rude and abusive

I received a call from this company about a student loan bill. When I tried to explain that I was just getting back to work, and willing to try and make reasonable payments, the person on the other end started screaming at me. They said that if I did not pay the balance in full today which is over 5, 000.00 they would have a repo company at my door to take my car and furniture. That I am a deadbeat that needs to learn how to pay their bills on time.
I am a single parent, of 2 children who was laid off a few months back. I just recently got a job again and have been trying my best. They did not care about any of it. My son, looked up this company and there are awful things being said about their practices, and the people who manage the company. The President's name is Steph Lavigne and there are some horrible things said about him. That he flaunts his money, and brags about having sex with employees and clients. Then there is something about someone flying around on private jets and doing awful things with women. Who are these animals and how do they get away with this?

I have contacted the FTC and the Consumer Federal Protection Burea

Lack of professionalism / scam

I have been contacted by this company over 7 times a day. They continue to call and call my number, yet never leave a message. They have called my cell phone 4 times even after I told them stop calling me. I do not even owe this company money, and feel they are trying to scam me.

I am a professional with a career, and not someone who takes these things lightly. When I called their main office, I was put on hold for 10 minutes and then hung up on after I started asking simple questions, like "How did you get my number". I looked this company up and there are some terrible things being said about their collection practices, and even people who work in the company. I then looked up some of their leadership through networking sites such as Linkedin. What a joke, the President/CEO looks like hes on a photo shoot on some yacht. I guess that is why this company is not too professional, look whose at the top. Someone named Steph Lavigne.

I am filing a complaint with the CFPB, and the Federal Trade Commission for harassment.


I'm going to do this again! If you don't have the guts to expose yourself, you shouldn't talk about van ru! Not a bad company, just some questionable decisions that you might have made. Until you're flying the plane, sit in coach and pray your ### hits the ground without incident! If you're not the pilot, shut up!

  • He
    heritage24 Aug 30, 2016

    I'm one of the people who got caught up in a "business decision"! It frightens me that i put in 8 years with people in management who never had the balls to speak their peace. Well, i do! Thank you van ru for giving me an opportunity. You may have made a tough call or two that i don't understand or agree with, but i have enjoyed my time. Steph, keep sailing, john, keep hanging; and skip, keep selling! If i could, i'd be doing the same! And so would these people who don't have the balls to show their face. Shut up or put up! Agle out!

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  • Ja
    James L69 Oct 01, 2016

    Not surprised at this response probably from management. Give it a rest you blow hard. Everyone knows its a sinking ship and Captain Dip Crap is at the helm.

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Fraud / scammers

I was a manager at Van Ru for over 7 years. Just when I thought things were getting better from the last disaster of leadership, I was terminated by the current. I delivered performance, managed my team professionally, and did everything and then some for Steph and his "team" - Then we caught wind of the executives potentially losing out on their bonuses, and more then 50 of us were terminated. Just like that, after all of our service. The things they would make us do and say to consumers are totally illegal. Threatening legal action, and sending a sheriff to their homes. They even have a way of sending only compliant calls to clients, to make sure they pass audits. We were told on several occasions to roll post dated checks from one month into another to make our numbers. All Steph Lavigne cares about is filling his pockets and it doesnt matter at whose expense it is. They have been sued countless times not only for FDCPA law suits, but just refusing to pay vendors and subcontractors. These guys refused to pay millions to one of the sub's just so they could take it for themselves. Pure ### at every level. The original owners son, was always flying around on his private jet bragging about hookers and doing blow. Now Van Ru has Steph, posing on yachts and wearing a new watch every week. Either way the employees are the ones losing, and the clients are losing even more with their shoddy accounting practices. Shut these down

Fraud - Scam

I have been contacted by this company 5 times in one day. Whenever I pick up there is some person screaming at me. Telling me I am a deadbeat and that the sheriff is going to come and take my car. I am a single Mother of 3 children. They then deposited my payment 4 times causing over drafts in my account.

But what is worse, is I did research on the company, and looked up their "President Steph Lavigne" On this guys Linkedin Profile he is standing on a Yacht with a big smile on his face. He looks like a complete [censored]. Real professional from a company that has been in business for 50 years or so they say. I then found Roger Rubin, who is part of the family that owns this company. He is a photographer who takes pictures of costa rican strippers. These guys have to be kidding as they flaunt their money to people who are struggling.

I have contacted the FTC, the CFPB.

  • Re
    R Esteban Stefan Jul 10, 2018

    Completely correct. I work with this company for a few months here in Costa Rica. Just recently Mr Lavigne insulted a waitress at Hooters with vanru managers from Costa Rica and hence the managers are his fingers they didn't do anything to make the poor girl stop her tears when he neglected her services and told her I do Not speak Spanish and made fun of her in front of managers.

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Business Practices

I have worked with Van Ru and the excuse for an executive management team for years. Steph Lavigne, Skip Spillone, John Terry and the rest of these clowns should be shut down...

Vanru Credit Corporation — Debt Rehabilitation

I called Vanru credit corporation in FebRuary to start making payments on my defaulted loans. In february the very same day I made a payment a sent it my paperwork so that they...

Van Ru Credit corporation — Wage Garnishment and Bank deeduction...and Total Balance still rising

Business is not applying collected funds towards the Total Balance. Total Balanced increased by $2000 with Wages being garnished, and bank account being drafted. This company ha...

Van Ru Collection AgencyTrying to collect a debt that was already paid

This company called me on a Friday after noon while I was at work. They lead off by asking my name and then told me to verify my social! First off they never said who they were or what they were calling about. COMPLETELY UNPROFESSIONAL!!! 2nd after obtaining that info, they told me that my credit was in jeopardy due to a repossession my old company had. I had dissolved the company and paid off all debts 10 yrs ago!!! They are claiming that I hadn't and that I owed a substantial amount. 17, 000 dollars. I explained to them how I dissolved the business and all the facts to prove so. They continued to say I still owed the money and that I could not just walk away from this. Then they proceeded to tell me that if I paid them 2, 000 dollars that their client would settle and this problem would go away.The nerve of this company has me so aggravated. How do they obtain so such information and where are they getting their facts from???? I paid this off over 10 yrs ago!!! I refuse to pay it again!!!

  • Da
    Daisey2003 Aug 03, 2012

    I'm so sorry you had/have this problem. Please, always try to remember, NEVER give anyone (especially ) someone on the phone your Social Security #. I know those kind of people are well trained to trick you into telling them what they want to know. We have to watch out or the will use our own words against us. Hope you get everything worked out.

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  • Et
    ethos Aug 05, 2012

    huck you are smart you had a company 10 years ago but you amaze me because you are ignorant as well. dude google cease and desist letters and how to handle collection agencies. i think you are also an idiot. how can you give your social to verify it. did you even know who called you? you are the type that gets had by nigerian scammers. you are they type that perpetuate the ignorant american image. grow some balls. the guy low balling you is pro'ly a high school graduate who works for some lawyer from a basement office. How do they obtain that info? jesus christ on a bicycle, don't be lazy just google it. it's so ez you just might start a similar scummy company. ok here it is they start an llc, then buy debt portfolios from banks, or other agencies that they could not collect on. the banks don't supply them with any documentation on these debts. that's why your first thing is to request for proof of the debt in your cease and desist letter. also keep proof of payments these low lifes will call you for debts from 20 years ago.

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Van Ru Credit — wag garnishment

Van Ru has been garnishing my wages to the tune of 15% for the last six months for student loans, yet I've never received a statement and when I call to get information I am...

Harassing My Mother

I have no idea why this company is harassing my mother. I don't even know why they would be calling. I haven't received any letters from this company. My mother who lives in Montana is receiving harassing calls from this company asking for me. They left a [protected] number that I called but it was an automated message asking for my name, account # and social security #. As I don't know what they want, I only left my name and phone #. My mother's name and phone # are not on any of my financial documents. Isn't it illegal for a credit company to harass family members who are not listed on our financial documents?

van rue credit corporationDebt Collection

It seems most people complain about this company and student loans. I have dealt with my fair share from Sallie Mae and last March actually received an apology from Sallie Mae about my debt, I think they knew I was about to sue them. As for Van Rue, I began receiving calls from them about a month ago. They were calling about an old credit card I had. They stated that I owed $3000 but could settle for $1500. I said I didn't have that and they convinced me to get on a payment plan of $20 per month, like an IDIOT I agreed. They told me that when this debt was paid off it would be removed from my credit report and further collections would stop. After speaking to them I checked my most recent credit report and much to my surprise, that particular debt was no longer on there and the statute of limitations for a lawsuit had passed. I immediately cancelled future payments to this company. They haven't called yet but I expect a call any day where I will inform them of the law and demand they stop calling.

  • Be
    [email protected],com Mar 23, 2009

    i have recieved numerous calls from this company and i have told them to stop calling. they call my place of employment and have even spoken to my supervisor. they continue to call all hours of the day and night and are relentless in their endevor. they should be removed from any other contact or at least licences revoked forever.

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  • Ja
    Jackie Juedes May 22, 2009

    I agree. I'm receiving the same. Phone calls on my cell phone for someone else and not sure how they got it!!

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  • Ja
    jason2750 Jun 20, 2009

    These people call me all the time. They buy old debts for pennies on the dollar and attempt to collect on them. They are annoying, but harmless. They will try to intimidate you and portray themselves as "investigators, " but they have no legal recourse. Have fun with them, because they can and will do nothing to you.

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Unwanted rude calls

This company keeps calling my widowed mother and harrassing her. My parents never had credit cards and bought multiple farms without ever having a mortgage. They have never bought anything on credit - cash only.

When these people call, they ask for my deceased father. They are calling under the number [protected]. The few times my mother did answer the phone, the person calling was rude and would not take the answer my father died 6 years ago.

I'm also reporting these people to the state attorney general. If you have family members, especially elderly, please warn them about this company.

Mark Jones was a thief, he stole the car he should pay. Not me

Van Ru Credit Corporation is Charging me for a bill that someone else owes and they know it. They are harassing me and I will not stand for it. They know who really owes the bill. So, don't bother me! If you chose to make a charge then bill the right person. Mark Jones which has the possession of the item(s). He felt that since he had control of the vehicle all he had to do was pay an insurance bill to keep him hidden. But, he cared nothing about paying for the car. Credit Companies would not bother him.


Someone keeps selling an Account to other Creditors, that has been payed off for over 2 yrs.

I'm tired of having to deal with this. Phone calles at all hours of the Day and Night.

This was a Car Loan and the Vehicle was Repossessed. Do they actually think I will or even could pay this Loan more than one time.

I settled with the original Creditor and payed the remaining Balance.

Why am I being harassed about this Loan over and over?

This is the 4th Creditor trying to collect on this.

BACK OFF!!! I've had it.

  • Ja
    JadO95 Jan 19, 2010

    I have been given misleading and deceptive information from numerous Van Ru employees that I have spoken with.

    I would like accounts from Van Ru employees of any of the "tatitcs some of these people use to collect money [that]are ruthless" that they have witnessed from inside the organization.

    If you are or were a Van Ru employee and have witnessed other Van Ru employees using deceptive, misleading, unethical or otherwise "ruthless" collection tactics by with customers please share them here.

    Likewise, if you are a consumer who has experienced any of the above from VanRu employees please share.

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  • 20
    205carter May 24, 2010

    This collection agency is all about ruining your life. They lie and purposely mislead you. They use scare tactics like no other. I never knew who i was talking to. You can't confirm who you're talking to or the information they're telling you.

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  • Ci
    cigarguy Mar 09, 2011

    This is their business...trying to scam people on zombie debts. Just tell them to cease their activities or you will sue them.

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  • Co
    CollectionsSux Jul 25, 2012

    Here's the thing - They are harassing me too, but posting to this site DOES NO GOOD. It's not like the company reads these complaints! Post to, as right now they have a rating of A !! That's the true injustice, that they are a thug of a company with an excellent rating - although they have 114 complaints, they have "always tried to settle them" and the implication was that the consumer was the irrational one. No point in posting here - your post will just be read by people who are just as pissed off as you are at these people. Waste of time - go to and file a COMPLAINT, let's get that company the "F" that they so truly deserve!

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People who are not helpful and mess your information up!!!!!!!!!!!!!!

I have been working with these idiots for the last several months trying to get my student loan in good status. The worker that they have don't know what the hell they are doing. They send you information that is incorrect. Have your name spelled wrong, numbers wrong and are not willing to help. Why are you working if your can't get the information right. I called the DOE to let them know and they are ###s too! Just send the thing the next day since it is your mess up. The customer service is awful and needs improvement especially when you have a customer that is working with you. Stop being ###s!!!

Phone calls for my dead father

My father passed away in 1997 with no outstanding debts. My mother passed away in 2003 with minor debt that was quickly cleared. In 2008, I began to get phone calls from Van Ru for my father -- a full 11 years after his death. When I informed them that he was deceased, they insisted that they needed a copy of his death certificate. I refused. They called so many times that I ended up setting up call-blocking on my home phone. In 2009, they began calling again with a different number. Blocked that one, and they called with yet another number.

I finally put on my sweet voice and called the last number, asking for the spelling of the company name, could I please find out what this was about, etc. They never identified themselves as a collection agency, I found this out by going online. They said they wouldn't stop calling OR give me any information about the nature of their calls until I provided them with the death certificate.

I'm torn about whether I should do this, because I'm afraid they will then come after me for a non-existent debt.

  • Ne
    Newer User Aug 24, 2009

    just tell them the person they are trying to call does not reside at this number and forcefully tell them to NOT CALL THIS NUMBER ANYMORE. Then send them a "cease and desist letter". There are a lot of places on the web where you can get a wording for one of these. You can punch it up as you like but don't go overboard...keep it sweet and simple. THey sound something like this. "I have been contacted about a debt that theoretically SOMEONE ELSE OWNES YOU. You are hereby notified to NEVER CONTACT ME OR ANYONE ELSE I KNOW OR ASSOCIATE WITH ABOUT THIS DEBT. ... YOu just go and get the wording. I think CLark Howard's web site has this info onit. (Consumer watchdog). SEND IT RETURN RECEIPT MAIL. Also tell hem if they want a bloody death certificate they can go and pay for the bloody records themselves. (Death notices are public info, though I dont think just anyone can order one, and they cost money. But there are ways companies like this can look up for deceased persons to satisfy their proof. They just don't want to do the footwork or pay the expense. The hack calling you is on a commission and he wants someone else to do his job for him.) Now you will still probably get one or maybe two calls beyond this even though they know it is illegal. The next one just tell them you'll be notifying whatever govt agency monitors this (see Clark Howard's site), and that their call is ilegal and they have been told not to call this number. They won't push it more than twice, and probably not even twice. They will only push it for as long as it takes to get the return receipt letter of "cease and desist". Also, in the cease and desis letter, don't go into details about your dead father. Its none of their business. All they need to know is that you are not the person to be contacted and they already know which govt agency to contact to find out all they need to know to clear their case.

    SHort and mumbo jumbo. Return recepit or it wont stop. It will cost you $5 postage but its worth it not to have to deal with them.

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Threatening letter appeared in the mail one day

Van Ru Credit Corporation sent a threatening letter to me regarding a debt that had been proven to be fraudulently acquired. If I didn't respond within 30 days, they were...

Van Ru Credit CorpUnauthorized charges

Van Ru called my place of employment, threatened to garnish my wages. they informed me that I could avoid garnishment by giving them access to my bank account for a monthly amount of $85.00. After 6mo. or so I became suspicious after never receiving a statement & closed the account. Anyone who can assist me in legal action against them please contact me.

  • Ch
    Chris May 15, 2009

    As a former employee of Van Ru, let me tell you that as a borrower in default you do not receive statements. It is a courtesy to send any type of billing statement out, however you should have received a letter 7-10 days prior to the check being printed to notify you of he amount being withdrawn. I am assuming you were probably on a rehabilitation program and stopping payments 2/3 of the way to completion was not a smart choice. Once you have completed the program you would have moved to a new lender who would then begin sending you monthly statements. My suggestion is to contact whatever agency you are now with and work out an arrangement to be placed on the rehabilitation program.

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  • An
    anther unhappy person Jul 31, 2009

    For anyone who has been threatened by this company that they're wages are going to be garnished, this is illegal. I personally did some research and found out you send them a certified, return receipt notice asking them not to call you at home or work. Each state has their own laws regarding this, but most are similar. You can contact your local consumer's affairs office to get more detailed info. about your rights. If they keep calling you after you send them a written notice not to, you can take them to court.

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Makes it impossible to get ahead of debt

When I found out that my $4K tax refund was intercepted due to my school loan being in default I immediately contacted Sally Mae to find out what I needed to do to get on top of this. I was told that my loan was now being handled by Texas Guarantee Student Loan who told me that they sent the debt to Van Ru. I contacted Van Ru and the rep that I spoke to, Nadia T., informed me my new balance and also let me know that I had been approved for $80 per month payments and that I could make arrangements to have this payment deducted from my bank account each month. I told her that I would call her back when I had time to look at my budget to see which day of the month would be the best time for the payment to go through.

One week later I called back to have the payments set up. I was helped by a new agent by the name of Hope. I explained to Hope that I wanted to make $150 payments each month, but I wanted to specify that the overage I would be paying would be applied to my principal. Hope informed me that they could not do that and that the majority of the money I paid would be applied to my interest and a small amount would be applied to my principal. I told her that if that was the case, I would just make the $80 payment each month. She then tells me that Vn Ru will need over $500 as deposit before they can begin processing the $80 payments. I informed her that Van Ru just took $4K from me under a month ago and that because of that, I did not have $500 to give them and I further explained that I thought it was ridiculous that I was calling to try to arrange payments to them and they were refusing to take my money. She told me that the only way to get on a "repayment" plan was to pay the deposit. I asked her if I mailed them a check for $100 each month were they going to refuse it. She stated that the would accept it, but my loan would still be considered in default and my ssn would still have a lien on it. She also said that my balance was collecting interest on a daily rate and this would not be in my best interest. I asked her if getting on the "repayment" plan would keep the interest from accruing and she said that it would not. So I asked her why was she trying to make it appear that if I paid them a $500 deposit that I would be helping myself when in actuality, being on a "repayment" plan would benefit no one but me. The more I questioned her, the more attitude she displayed and she eventually began to speak over me and cut me off before I could finish. She then said "You either want to get on a repayment plan or you don't, so which is it" I told her that since I did not have an additional $500 to give them after just giving them $4k, that I guess Van Ru was leaving me with no options to do anything other than mail them a payment each month and not get on the "repayment" plan.

Obviously they do not want to make it easy to pay your debt because they want your accout to collect as much interest as possible. They make it impossible to pay it off and they know this. I guess I will need to take out a small loan from my bank to pay this off so that I don't get eaten alive with interest. Certainly there is something that can be done to stop this. It's not like I just decided one morning I was going to stop paying my loan. When you're struggling and you have to decide between paying the electricity bill or paying your student loan payment, logic has to come in to play...

  • Ab
    Abe Noxious Feb 14, 2010

    Van Ru didn't take a 4K tax refund from you, the Federal government offset your taxes because you were in Federal default on a student loan you didn't pay.
    Prior to your loan going to collections the Federal government attempted to contact you at the last know address they had for you.
    Since you obviously never received any letters about the defaulted loan, I'm curious as to what you thought happened to the loan since you hadn't paid it.
    If you had used your college education to read the terms of your loan you would understand that once it is in default your options are gone and you can no longer dictate how you want your payments distributed.

    Judging from the way you blame others for the situation you are in, you might want to consider a position with the Democratic Party.

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Fraud and scam

I would like to say that if it wasn't for Demetrius C. I would be in big trouble. Van Ru has not been a very good collection agency for me. I have been lied to by so many of...

They foisted their job onto the &client&

Today, Van Ru really pissed me off. I called them at their Arizona location only to give them a courtesy call. Commonwealth Edison had been billing me for the past 14 months at my former apartment even though I had been evicted from it 14 months ago. Just today I received their first letter, which prompted me to give them the courtesy call. I carefully explained the situation to the lady who answered, and I told her how she could verify it very simply by looking at a website pertaining to the eviction court. She had me wait a few minutes, saying she would check it out. Then some male, rude goober answered. He had no concern about the fact that I had not even lived there for the past 14 months and that Commonwealth Edison should have known that. He just told me I owed them the money and that I would have to work it out with them. To further aggravate the situation, they lied on the letter when they said the call would be toll free. I just learned they charged me for trying to help them!

Wrong name, but spouse's SSN

I was called at home 3 times asking for a person I do not know. They had my wife's SSN but not her correct name.

They called my work place asking for the same person. When I answered, the phone went "dead".

I called Van Ru Corp. After speaking to the 3rd person, I finally spoke to the "supervisor". They denied calling my work place. I was accused of lying.

They are trying to collect on an account from 1991 for a car repossessed in New York in 1995. We have never lived in New York and have never had a car repossessed.

We are having our phone number changed to an unlisted number.

  • P1
    p122 Mar 12, 2009

    Van Ru is disgusting and has been charged by the Attorney General's office in 8 different states for violating the law. I wouln't have anything to do with them.

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Threatened me & hung up on my mother

I was called regarding my student loan and after giving some information, the processor, Mr. Hanson, at extension 6683, threatened me when I didn't want to give him my debit card information until he gave me some information. I explained to him that I had not received any mailings regarding this loan and it is my intention to pay it back. He had me extremely upset and I was driving in my car. My mother called to verify this information and hung up on her. What kind of agency are you running when your employees threaten people? Is that really the way to resolve things? I was so upset, I had to pull over in a gas station. Do you really care about anything other that bullying people.

  • Jo
    jonova Aug 16, 2009


    1 Votes

They hit my checking account

I have tried to work with this company. The first time they called the person was very rude and unprofessional. They demanded payment or they would garnish my payroll check. I...

They gave me the wrong information on a debt payment

Mrs Marjorie Reynolds called me and told me to send an extra payment to get my debt sent back to direct loans early on my 9th payment. I did that March 27th.

Then April 21 van ru called me saying I need another payment a 10th one before it can be sent off and it is needed by the 24th of April. when I told them I didn't have the money for that payment mr Reynolds began to tell me how they could garnish all wages, retirement, ssi payments, etc.

Then she began to tell me how it's no ones fault that this some times happens with the lender which I though was crap because I was assure that my early payment would finally lift me out of default. They are incompetent.

  • Sh
    Shalonda Williams-Cobb May 20, 2008

    I have been getting harrassed by Van Ru Credit Corp. for a few months now and ever single complaint I heard is exact in the way that am being treated as well. I too was talked to in a unprofessional way. The man that I was assigned to calls me everyday at least four times a day, even Sundays. Right now I am not doing well so I hardly have the money to pay them but the little money that I do have has to go to all the overdraft and return check fees that my husband is accruing because they are unlawfully charging him twice a week without his permission. I honestly do not know what to do with this. We are further into debt because I trusted those people. The man told me to talk to my husband and have him call back to give verbal permission to use his account, when I talked to my husband he said we have no money in the bank so I told the man and he said that he will not and can not put the check trough without my husbands permission . Therefore I thought I was safe but now they keep charging us even though they know nothings in there.

    Recently I called to file a complaint with his supervisor . I tols her what he did and she got really rude with me and told me to money gram her the money right now. Wow, is all I thought, these people never quit. So I did a little research on them and now that I know what they really are, I refuse to give my money to them. I dont trust them at all! So garnish my wages andwhatever else you want to do!

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