Reply #35: You can only use bank offset is loan is in default.

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Loan isn't in default if she made payments on time. Notice in her story she never makes the claim that bank took funds even though she way paying loan on time. Actually she never makes a claim that she made any payment.

The only defense she provides is this:

Hope Hughes said she thought she had six months to begin paying back her loans after her May graduation from Kennesaw State University.

She graduated in May 2009. The grace period ended in Oct 2009. The bank didn't write loan off until 90 days later (Jan 2010). They didn't seize funds until 90 days AFTER THAT (Apr 2010).

The point is the offset happened 180 days after first payment was due.

If she made payments then that was a bank error and should be fixed (she never makes that claim though).
If she didn't make payments well the bank should seize money. If you are dumb enough to stiff the bank for 180 days despite having money and then keep said money in the same bank well that is kinda stupid. :rofl: