Van Ru Credit Corporation
Des Plaines, Illinois
United States - 60018
Van Ru Credit Corporation sent a threatening letter to me regarding a debt that had been proven to be...
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.
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...
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...
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!
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.
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.
I have tried to work with this company. The first time they called the person was very rude and...
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.