Waiting For Justice To Be Done

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Me and my entire family (three children) are Autistic. (Verified by a medical specialist).
When will the Department of Education step in on my behalf and the behalf of the financial calamity caused to myself and my children, due to the fraud of Westwood College's Scam?? Where is the Department of Education and Department of Justice to enforce the law that is already on the books? Somebody, out there, please help my family!!!

Not only myself, but I have three children, officially diagnosed with autism (one with PDD-NOS (Pervasive Developmental Disorder - Not Otherwise Specified) and the other two, diagnosed with Aspergers Syndrome. Both conditions are on the Autism Spectrum.

Autism Spectrum Disorders (ASDs)
Aug 6, 2008 ... Autism is a complex DEVELOPMENTAL DISABILITY that causes
problems with social interaction and communication. Symptoms usually start
before ...
http://nichd.nih.gov/health/topics/asd.cfm

The Legal Question remains, "Did you understand what you were signing with Westwood College?"
ANSWER: No, I did not. Their sales-pitch language obscured the fine details. I did not understand what I was signing, and it was all done over the phone and like an Autistic person would, I blindly trusted them and took their word at face value.

When will the Department of Education step in, and save me from the predatorial scam perpetrated by Westwood College and Sallie Mae?

The American Medical Association states :

Mental Capacity and Contracts
People with mental illness or a degenerative mental disease have special protections under the law when entering into contracts or other binding documents.
Lee Black, JD, LLM
http://virtualmentor.ama-assn.org/2008/03/hlaw1-0803.html
"Certain requirements must be met before a legal contract-be it for property, goods, or services-is valid and enforceable. There must be at least two parties to the contract, both of which must have the capacity to enter into the agreement; that is, each party must understand what he or she is entering into and the consequences of doing so. If a person who does not have this capacity signs the agreement, it may be voided.
Several conditions circumscribe the capacity to enter into a legal agreement. If one of the parties is a minor, the contract may not be enforceable because minors are legally presumed to lack capacity for contracts, even if the particular minor has understood the terms. Adults are generally presumed to have capacity to enter into a contract [4], but this rule is not absolute.
There are two major exceptions to the presumption of an adult's legal capacity, one of which is being intoxicated when the agreement was made because intoxication can affect judgment. The second exception to legal capacity is mental illness or mental defect [5]. Historically, this exception intended to protect individuals who were developmentally disabled or insane. Today, the category has been expanded to include those suffering from degenerative diseases, like Alzheimer's, that may affect their cognitive abilities."
http://virtualmentor.ama-assn.org/2008/03/hlaw1-0803.html

IT IS CALLED EXPLOITATION.

When will the federal law be enforced, and all money Westwood College Swindled me and my family out of, reimbursed?

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Sallie Mae Lies over the Phone

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At one point during his conversation he claims there were _only 2 over the phone transactions_ back in 2007. He was trying to wiggle out of blame for the abuse of trust in banking, they did in October 2008. My bank documents to the contrary of his claims. Realizing at some point, he was a blatant liar incapable of disputing bank records at BBandT, he changed his story, saying that the transaction in question (yes, he changed his story and _agreed something_ took place in October 2008). Despite changing his story, it was on his computer screen, all along, and he was lying about it.

Over the Phone Conversation Part One



Over the Phone Conversation Part Two



http://youtube.com/watch?v=ch82L9fUty8
(7:24 / 9:01) '... He's going to pull up my history
(8:02 / 9:01) '... There's only 2 payments and that was in 2007...over the phone ma'am"
Listen carefully to his smug and cocky tone as he attempts to deny the over the phone transaction in October 2008, then diverts to the "I don't give you permission to record." He was lying and he knew it. Of course he didn't want his lying recorded.
(8:42 / 9:01) '...when did you make a payment over the phone?' (as if he didn't have the information on his screen?)

http://youtube.com/watch?v=O-NfHcCQ_J8
(0:26 / 5:14) '...when did you make a payment over the phone that we took 2.5x the amount?'
(0:42 / 5:14) '...you did an auto-debit it takes it automatically out of your monthly payment.'
(0:50 / 5:14) '...you did an auto-debit October 2008...'

Initially, I didn't catch his trying to blame me for an "auto debit". He is lying. I'll let the records at BBandT speak for themselves.
http://artscape.us/sallie_mae/bbt_statement_nov_2008.jpg
10/27 SLMA DEBIT SALLIE MAE XXXXXXXD01F $313.33
Does that look remotely as if me, myself made an "auto debit"? Or rather, that Sallie Mae made that debit? It was no "auto-debit".
Which explains why BBandT issued a reversal of the charge:
http://artscape.us/sallie_mae/bbt_statement_dec_2008.jpg
Two lies don't fix the story. There was only an over the phone transaction Sallie Mae processed, and the bank statement verifies the charge came from Sallie Mae.

In fact, take a look at the way BBandT records debits from Sallie Mae vs. online checks aka "auto debits"
http://artscape.us/sallie_mae/sallie_mae_activity.jpg
03/16/2009 Debit Online Pmt Sallie Mae CKF927529477POS $40

After this act of charging 2.5x the amount, BBandT told me to not give my bank account information to Sallie Mae anymore. My bank said legitimate institutions in banking do not do what Sallie Mae has done. I think... BBandT is on to something.
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I got the woman who answered the phone _to admit_ that a forebearance "hardship form" is something that has income on it, and to be signed. Instead of such a form, they sent just another junk flyer for harrassment. See
http://www.artscape.us/sallie_mae/envelope.jpg
http://www.artscape.us/sallie_mae/enclosure.jpg (both of which are dated incidentally)
Do either of those documents look like a "hardship form" to be signed or with income on it? No, they do not. Running me around in circles and avoid sending the forbearance forms they promised back in October 2008. See: 60 Minutes CBS / Default Loans = Big Profits.

Sallie Mae has repeatedly refused to send or discuss forbearance information since October 2008 (the supervisor on floor admit during conversation forbearance can be taken care of over the phone, so I'm asking WHY WASN'T IT... back in October 2008 when they promised to send them to me., March 2009 I began contacting them again -- meeting with the same refusal to send forms....

Here's where they confirmed (after emailing telling me to log in to my account) they'd locked me out from accessing my account online. They run people around in circles for months, refusing to send federal forms like federal law requires them to do, causing them to default their loans which Sallie Mae sells off to collection agencies for big profits. (Search Google for: 60 Minutes CBS + Sallie Mae Loan Fraud)

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