I am a co-signer for a student loan. The person I signed for actually sent a lump-sum payment to Navient and Navient claims it was never received. Even though the amount was supposedly taken out of the bank account. We are under the impression an employee stole the check. The person I signed for has obtained legal representation. However, I, and my family, are the ones being harassed by Navient, despite the lawyer’s communications with the company to cease.
Am I automatically covered with this lawyer in this scenario? Or do I need my own?
First thing I would do would be to take a deep breath. There may be a perfectly reasonable explanation here and some easy items you can check.
First, if the money was sent as a check then the person who sent it can confirm if the check was actually cashed. If the check sent was an official bank check or cashiers check then the bank can confirm if the check was cashed.
If there is no evidence that the check was cashed then the bank can assist you with some process to terminate the check and issue a repayment.
Was this missing check sent by some sort of traceable means like express or priority mail? If so then you would be able to confirm if the check actually arrived using the tracking number.
But even if the check arrived and was not cashed, it could quite possibly just be lost internally and need to be reissued.
It’s a bit of a red flag that the person you signed for has hired a lawyer when the situation you describe could have an innocent explanation.
But let’s say you had proof that the check was received and cashed, but not credited to the account. In that case I would urge you to contact Navient Office of the Consumer Advocate and ask them to help you solve the mystery.
If they actually found that an employee stole the check, Navient will actively participate with you to get this issue resolved. No major company like Navient has patience for theft. It’s just that I’m not yet convinced there has been a theft.
As far as you being covered by the lawyer the person you signed for hired, no they don’t represent you. The lawyer represents the person who engaged them but you can also ask the attorney if they will specifically represent you in addition to the other person.