Consumer complaint received 2024-04-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Williams & Fudge, Inc (IL)

On or about XXXX, I spoke with XXXX or XXXX who offered me a settlement for {$650.00}. I agreed to pay the amount. I have in writing the agreement that was sent to me via email which I have included with this letter. 

Agreed amount {$650.00} Payment XXXX - {$300.00} Payment XXXX - {$100.00} Payment XXXX - {$100.00} XXXX  Balance {$150.00} When I have been contacted since the last payment I have been told that I owe the full {$1000.00} amount since I did not meet some time requirement of the agreement. There is not a timeframe included on the agreement that XXXX and XXXX sent me. 
The most recent correspondence is XXXX from XXXX XXXX stating my balance is {$250.00} which I then made a {$100.00} payment. 

History of this event : I signed up for a XXXX class. When I spoke to the recruiter I asked several questions about the program. I was told I would have a student advocate that would help me in the program with questions and concerns. In the first week of the course I reached out to the instructor who continuously referred me back to the syllabus. My questions were about the syllabus. I am unsure if this was an automated message or if it was an inattentive effort. I reached out to the student advocate on multiple times with no response. I was later ( after the course ended ) told I was paired with a student advocate that was no longer in the program. My appeal to the {$1000.00} was that I made all necessary efforts for assistance and guidance and was never met with any successful assistance. I was offered a settlement and have agreed to pay the amount. 

Since the settlement I have been in the hospital and had several medical bills due to a medical condition. ( I am willing to provide documentation and proof to this if necessary its not some XXXX story. My health has to be primary or I can no longer work to pay not only this bill but any other expenses. ) I have accumulated over {$4000.00} in medical bill which I also have had to put into this financial equation. I am doing my best to meet all these obligations fairly. 

Proposed resolution : I am asking for a final invoice of {$150.00} that I am willing to pay. I would appreciate a document that supports this {$150.00} will fulfill my obligation to this debt with the same terms and conditions as the previous agreement : Completion of this agreement will allow me to get transcripts and reapply in the future should I decide to take any further course work with XXXX. 

Further comments : Several representatives that have called from the agency have been kind and understanding. As of recent, there have been multiple times that someone from the agency has called and hung up as I answered. Each time someone has called I have spoken to them and explained the above situation. Calls being recorded can prove this. Recently I have had a few representatives who have called and been very argumentative ( also can be found on the recordings ). I was in the hospital for 5 days in XXXX and received a call that was to this effect.