This website is a testimony to the problems Canadian Student Loan borrowers experienced from approximately 1996 to 2008 and until their loans were paid off.

The privatization of the Student Loans system by the Chretien and Martin Liberal governments broke the system and defaulted thousands of borrowers who were trying to pay their loans. There were even stories of suicide due to the harassment of borrowers.

Read the report that I prepared back in 2007 here. Canada Student Loans-The Need for Change Fortunately the new Conservative government at the time revamped the program and fixed the system for new borrowers, but borrowers under the previous program were left with ruined credit and continued harassment from debt collectors.

I call on the Canadian Government to apologize to the borrowers affected by this fiasco and make amends.

Unfortunately the Liberal government is again clobbering the Education system with their upcoming changes to International Student Visas. Yes, there's a problem, but instead of a well thought out plan, they have pulled the emergency brake on the train causing a derailment. This has introduced unprecedented instability for both private and public education institutions who serve both international and local students.

Universities can't plan. I've heard of courses being cut because the government has no process in place for universities to send the newly required acceptance letters to the government.

This means that students who have been accepted can not attend courses that start in the summer 2024 semester. With cut sections, current Canadian students will have trouble getting courses, and may have to switch to part-time which changes their enrollment status and might trigger repayment of their loans or ineligibility for funding. I've seen this before. It wreaks havoc on the student loan borrowers.

Again, the Liberal government has messed up the education environment. Will the new system needed in a rush for the acceptance letters be the new Arrivecan scandal?

I call on the government to implement a slower phased in approach and delay the requirement of the acceptance letters until a process is in place to submit these letters.


  New Posts New Posts RSS Feed - Permission for Credit Reports
  FAQ FAQ  Forum Search   Register Register  Login Login


Forum LockedPermission for Credit Reports

 Post Reply Post Reply
Author
bcdebts View Drop Down
Newbie
Newbie
Avatar

Joined: 25/October/2004
Location: Canada
Points: 39
Post Options Post Options   Thanks (0) Thanks(0)   Quote bcdebts Quote  Post ReplyReply Direct Link To This Post Topic: Permission for Credit Reports
    Posted: 05/April/2005 at 11:47am
If a credit check is being done on  you, for reasons of employment....Do you have to authorize it, by checking off that its ok on the application, of can they run a check without you consenting?
Back to Top
Sponsored Links


Back to Top
momof2 View Drop Down
Member
Member
Avatar

Joined: 15/August/2004
Location: Canada
Points: 792
Post Options Post Options   Thanks (0) Thanks(0)   Quote momof2 Quote  Post ReplyReply Direct Link To This Post Posted: 05/April/2005 at 2:07pm
i believe you have to consent to it, otherwise you can file a complaint with the privacy commissioner of canada and the offending party can be charged.  dont quote me though.
professionals built the titanic but amateurs built the ark...
Back to Top
kwelmm View Drop Down
Newbie
Newbie
Avatar

Joined: 06/November/2004
Location: Canada
Points: 702
Post Options Post Options   Thanks (0) Thanks(0)   Quote kwelmm Quote  Post ReplyReply Direct Link To This Post Posted: 05/April/2005 at 2:24pm
I would think that you would have to consent to it....don't know for sure though either.
Back to Top
CARGO1 View Drop Down
Groupie
Groupie
Avatar

Joined: 13/January/2004
Location: Canada
Points: 422
Post Options Post Options   Thanks (0) Thanks(0)   Quote CARGO1 Quote  Post ReplyReply Direct Link To This Post Posted: 05/April/2005 at 7:06pm

Originally posted by momof2 momof2 wrote:

i believe you have to consent to it, otherwise you can file a complaint with the privacy commissioner of canada and the offending party can be charged.  dont quote me though.

 

Sorry Mom I couldnt help myselfwith the qoute ..lol

But you are correct

              ����The best way to forget your troubles is to wear tight shoes.
Back to Top
Sunny2007 View Drop Down
Newbie
Newbie


Joined: 22/January/2007
Location: Canada
Points: 1
Post Options Post Options   Thanks (0) Thanks(0)   Quote Sunny2007 Quote  Post ReplyReply Direct Link To This Post Posted: 22/January/2007 at 4:07am
I would like to know if NCO can look into my credit report without my permission.

Thanks



Back to Top
SolveStudentDebt View Drop Down
Moderator Group
Moderator Group
Avatar

Joined: 05/November/2003
Location: Canada
Points: 5996
Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 22/January/2007 at 11:47am
If NCO has been assigned a debt to collect from you, then they can acess your credit history. Your creditor allows them to do it.

Johnny
Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

solvestudentdebt.com
Back to Top
masy View Drop Down
Groupie
Groupie


Joined: 13/June/2004
Points: 64
Post Options Post Options   Thanks (0) Thanks(0)   Quote masy Quote  Post ReplyReply Direct Link To This Post Posted: 20/February/2007 at 7:45am
"If a credit check is being done on  you, for reasons of employment....Do you have to authorize it, by checking off that its ok on the application, of can they run a check without you consenting? "
 
If there is a section requiring you to ok the request, then I assume that they do need your consent. Contact the privacy commission to find out.
 
Just curious, what type of job requires a credit check anyway? Seems like an odd request to me, but perhaps this is standard in some fields of employment??
Back to Top
quantumlaw View Drop Down
Newbie
Newbie


Joined: 03/June/2006
Location: Canada
Points: 11
Post Options Post Options   Thanks (0) Thanks(0)   Quote quantumlaw Quote  Post ReplyReply Direct Link To This Post Posted: 02/July/2007 at 5:48am
There is no statutory obligation to allow an employer to investigate your credit. It's none of their business and if they don't hire you, because you refused, you may have a case. There are exceptions however, and this may relate to circumstances for example, if you wish to work for Brinks or the police servfce or perhaps a bank. There is good caselaw in this area. 
Back to Top
quantumlaw View Drop Down
Newbie
Newbie


Joined: 03/June/2006
Location: Canada
Points: 11
Post Options Post Options   Thanks (0) Thanks(0)   Quote quantumlaw Quote  Post ReplyReply Direct Link To This Post Posted: 02/July/2007 at 5:53am
Dear Johnny,
 
Please do not assume that they can access your credit bureau. The collection agency acts as an agent for the creditor, being a bank or the loan program. Collection agencies receive an upload of thousands of files and they run a program to pull a credit bureau on each file. The collector is then assigned the file and they have a copy of your bureau, possibly without even knowing that you did or did not consent in writing to allow any credit bureau member to pull a credit bureau on you.
 
As a consumer, in Ontario, for ex., you must consent in writing.
Back to Top
SolveStudentDebt View Drop Down
Moderator Group
Moderator Group
Avatar

Joined: 05/November/2003
Location: Canada
Points: 5996
Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 02/July/2007 at 9:36am

 It is a fact. Agencies are alowed to access your credit fuile - and they do. This is one of their tools they use. If a colection agency is hired, they can run reports and they do not need your permission, unfortunately. They do run manual reports all of the time. There are rules that they have to follow, such as not running a report excessively.

 
Collection agencies act for their clients. Unfortunately, their clients give them a little too much freedom in many cases though.
 
Johnny  
Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

solvestudentdebt.com
Back to Top
Addie31 View Drop Down
Newbie
Newbie


Joined: 28/April/2008
Location: Canada
Points: 3
Post Options Post Options   Thanks (0) Thanks(0)   Quote Addie31 Quote  Post ReplyReply Direct Link To This Post Posted: 28/April/2008 at 9:47am

Does pulling a credit file negatively affect a person's credit rating the same as doing a credit check?  If so, it seems very wrong that a collection agency can pull your file without your permission.

Back to Top
SolveStudentDebt View Drop Down
Moderator Group
Moderator Group
Avatar

Joined: 05/November/2003
Location: Canada
Points: 5996
Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 29/April/2008 at 8:25am
They do not need your permission (they already have it). The permission is given by the loan provider. The contract states they they are able to rquest this information, and so is any third-party they hire with respect to recovery.
Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

solvestudentdebt.com
Back to Top
harrycool7 View Drop Down
Newbie
Newbie


Joined: 15/November/2008
Points: 4
Post Options Post Options   Thanks (0) Thanks(0)   Quote harrycool7 Quote  Post ReplyReply Direct Link To This Post Posted: 19/November/2008 at 4:56am
my credit was checked by BACKCHECK even though i did not consent for it! Do I have any rights to sue them ? This will tell my new employer that my credit history is poor. 

Why the hell backcheck pull my history withouth my consent?
Back to Top
SolveStudentDebt View Drop Down
Moderator Group
Moderator Group
Avatar

Joined: 05/November/2003
Location: Canada
Points: 5996
Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 19/November/2008 at 5:48am
Call Backcheck and see what they have to say.
Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

solvestudentdebt.com
Back to Top
 Post Reply Post Reply

Forum Jump Forum Permissions View Drop Down

Forum Software by Web Wiz Forums® version 12.07
Copyright ©2001-2024 Web Wiz Ltd.