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Student loan consolidation?
I applied for rates with 3 banks to get the best offer for student loan consolidation. About 60 days passed and I received a payment booklet from BofA. They had paid my student loans and began charging me at a higher rate than I had before. I never agreed nor signed a promise to pay or anything - just filled out an online application. What do I do now? They are on my credit report, they are charging me, I have not paid them anything. I don't want to as Chase offered me a better deal. I asked BofA to provide me proof that I owe this debt yet they have not. Its for over $30k. Since I never signed anything (just did the online application) do I really owe them anything?
3 Answers
- Anonymous1 decade agoFavorite Answer
Have you tried websites such as https://www.bills.com/studentloan/loan/
You can get quotes from multiple lenders. I think you can get a much better rate that way. these big banks are always a pain to deal with.
I would give it a shot. Whats more...its free!
Source(s): http://www.bills.com/ - J MLv 41 decade ago
You probably checked something that served as an online signature. Accept the loan from Chase and pay off the BofA loan.
- Steve RLv 61 decade ago
The online application is like filling out the paperwork at the bank. They approved you because you electronically signed it. If you don't pay it, they can come after you, sue you, and garnish your paycheck. You are stuck, so start paying.
Next time, read all documents before signing.
