American Education Services Review

Reviewed by dorindascobee Review

0

In 2005 I cosigned loans for both my daughter and my son with AES. I specifically asked if loan was simple interest loan and if there were any prepayment penalties. I was told no. I paid faithfully on both starting my son's immediately and my daughter's upon graduation/6months later. My accountant noticed on paperwork that I was sending to him that the principle balance had never decreased and infact on one of the loans had increased. He asked for my "Truth in Lending" statement upon signing the loan. I do not have any....he asked for the payment schedule with listed principal and interest application/I do not have one. He asked met to get that information from them. It took me countless hours with very uncaring and rude customer service individuals and after almost 8 months got the information. NOT ONE RED CENT OF MY 4 YEARS WORTH OF PAYMENTS HAD BEEN APPLIED TO PRINCIPAL. I stopped payments wrote letters to the consumer credit bureau, the attorney general's office and the better business bureau. All are investigating AES and their lending practices. In the meantime I have a very rude and threatening person working with a law firm in Ohio saying he will give me a deal on a payoff that is interest free $3000.00 up front and 250.00 a month for he was not sure how long. on a balance of 16,000. The loan 4 years ago was for approx 17000.00. I asked that he email me the settlement agreement and what would happen if I did not take the agreement. He had verbally told me he would contact my payroll department and garnish my take home pay for 1/3 of the monthly amount. He said he could not email. He would fax the settlement letter/but could not fax what would happen if I did ot settle because that would be considered a threat!! So he could say it verbally, but would not put it in writing. I told him the whole story and asked him if it would not be prudent for a law firm to check the integrity of companies that they were doing collections for/he said that was really not any of his business. I will call the Attorney General's office in PA as it seems that is where the most activity is. I encourage all of you to do the same.

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