Actually this is a letter I sent to ECSI. They’re probably not going to call me back per my request, but they’re going to keep getting these nasty letters until they do. Sallie Mae, look out. You’re next.

Hi, Let me preface this by saying, do not take this personally.

My payment keeps going up every month and the bottom of my statement says 15 days overdue. Not sure what that means considering I honestly don’t remember missing a payment recently. If I did, I apologize, it wasn’t purposeful and if you checked the records from the past year, you can see that I’ve been pretty good about making my payments. I don’t know who I have to talk to, but one of two things is going to happen. A) Next month’s payment is going to be late if I have to pay 92 bucks instead of the usual 40 OR B) I’m going to pay 40 by the December 1st due date and not pay more than that monthly ever again. Don’t take it personally, this is business. I don’t know if you realize how much fifty extra bucks is, but its a lot. It means fewer groceries or me telling my boss I can’t run errands for work because my 10 year old car is in the shop and I don’t have the money to fix it. Driving is a part of my job description, so not having a car is not an option unless you’d like these payments to stop coming in because I lost my job.

By the way, the threat of reporting me to the credit bureau does nothing. My credit is so bad they probably laughed when they got your notice of my acct. being “30 days past due” because there have been instances of my account being triple that time overdue. That’s a waste of ink at the bottom of my statement if you ask me. Anyway, I’d like someone to call at the number provided above and explain to me why I’m paying 92 dollars. Also, I don’t have time to translate the notice you sent me about the Perkins Loan and it’s special addendums/added rules and regulations, so if someone could explain that too that would be great kthanks.