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My Account Has Been Frozen!!! Help!!!!

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anthrax View Drop Down
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    Posted: 21/March/2004 at 9:50am
Hi, I have just found out my accounts have been frozen!!!! What do i do and who can i talk too?  the collection agency had been sending stuff to my parents house, i live somewhere else, and i guess my parents kept throwing that junk away, now my accts are frozen. the hold is for $15,000, i commute 4hours a day for a $14.00 part time job, 25hrs a week. what should i do?????  Should I just quit my job and go on  welfare? like how am i suppose to live? or even pay back this debt if i can't even afford a bus pass? Someone help!!!!!!!!!!
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Ferren View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Ferren Quote  Post ReplyReply Direct Link To This Post Posted: 21/March/2004 at 3:19pm

About the only option you have is to open an account somewhere else and write off the current one as a loss. Any deposits going into a frozen account have to be applied against the debt. This is the sort of thing that makes one sit up and pay attention. I strongly suggest that you contact your parents to find out if they kept any of that mail. It is aboslutely essential that you find out who has frozen your account and why. Maybe ask the bank to provide a copy of the third party demand. Without this info there is almost nothing you can do sorry to say.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote hunter Quote  Post ReplyReply Direct Link To This Post Posted: 23/March/2004 at 10:00am
This is another reason that I state not to give out personal cheques. You are only giving out information for them to work against you with.

Money orders cost more but no one can take money out of your account.

For safety reasons, I have my bank account joint with a family member that is in another province.

This way no one can touch it.
And I never have to worry about my account being drained or frozen.

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anthrax View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote anthrax Quote  Post ReplyReply Direct Link To This Post Posted: 23/March/2004 at 3:56pm
ok its a court order, they got my account through the gov't. I have direct deposit, now on top of garnishments, they have froozen my acct, put a hold on it for $15,000 so i can't even take out money to pay my rent or bus/train pass for the month. its called i couldn't pay when the collection agency was asking for $500 when i make $1000 a month. now they are going to be taking $400 a month. 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Johnny Quote  Post ReplyReply Direct Link To This Post Posted: 23/March/2004 at 8:01pm

 

 What are your gross earnings per month? How many dependants do you have? The garnishee would depend on a) the province you live, and; b) the amount of gross income that you earn.

 Also, is the account with the same institution where you received the student loan?

 If the issue has escalated to litigation,and an execution order pending, the collectors normally wouldn't be contacting you. Is the colelction agency still involved?

 More details please.

 Johnny

 

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

solvestudentdebt.com
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anthrax View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote anthrax Quote  Post ReplyReply Direct Link To This Post Posted: 23/March/2004 at 8:12pm
gross income approx $1400, garnishments approx$200
province ontario, acct rbc, loans cibc
i don't know if the collectors are still involved, i think this might have gone to court already.
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Johnny View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Johnny Quote  Post ReplyReply Direct Link To This Post Posted: 23/March/2004 at 8:26pm

 

 Have you contacted the lender (plaintiff)? Explain your situation and how the situation is placing you at severe risk. They will lighten up in most cases. If the plaintiff tells you to contact their lawyer, let me know.

 IF the enforcement is severe enough to cause exstreme burden, they have to be fair. If there is anything I can do for you, let me know.

 Johnny

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

solvestudentdebt.com
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anthrax View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote anthrax Quote  Post ReplyReply Direct Link To This Post Posted: 23/March/2004 at 8:41pm
well i don't know how to contact them, i'm gonna call the sheriff and ask them what to do?
p.s:what area is 902 ?
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Johnny View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Johnny Quote  Post ReplyReply Direct Link To This Post Posted: 23/March/2004 at 9:34pm

 

 If you had received court documents at all then contact info should be on those. 902 is Nova Scotia. If you have difficulty finding the right area to appeal, send me an email at CFW Group and I will help you track down a contact name and number.

 Johnny

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

solvestudentdebt.com
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Ferren Quote  Post ReplyReply Direct Link To This Post Posted: 24/March/2004 at 2:46am

Nothing you have said gives any indication if this is a student loan. Of course given that this is a student loan forum it is natural to assume so. Usually accounts are frozen due to revenue canada third party demand orders. Garnishee orders usually go to your employer. I don't see how you can follow any of Johnny's advice if you don't even know who the third party demand is from. Finding this out is your first step.

Now if I were you, I would open up an account somewhere else and contact my payroll department with the new direct deposit info. You will lose everything that goes into your account to whomever until you do what I say. I'm sure the bank will give you all the details.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote Johnny Quote  Post ReplyReply Direct Link To This Post Posted: 24/March/2004 at 6:20am

 

 Good point, Ferren. If it is in fact a CCRA enforcement, it is just as easy to negotiate "down" with them in the event that severe hardship occurs.

 Johnny

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

solvestudentdebt.com
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Darren C Quote  Post ReplyReply Direct Link To This Post Posted: 25/March/2004 at 9:10am

Originally posted by hunter hunter wrote:

This is another reason that I state not to give out personal cheques. You are only giving out information for them to work against you with.

Money orders cost more but no one can take money out of your account.

For safety reasons, I have my bank account joint with a family member that is in another province.

This way no one can touch it.
And I never have to worry about my account being drained or frozen.

 

Actually that doesn't matter.  My account was frozen because the joint person was delayed in getting approved for interest relief. 

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Post Options Post Options   Thanks (0) Thanks(0)   Quote maggie50002003 Quote  Post ReplyReply Direct Link To This Post Posted: 01/November/2011 at 2:36am
Hi; i am new to this but i am at the end of my rope with student loan... i had a student loan way back in 2003... i was  a single mom just out of a abusive relationship, thought i was doing a wonderful thing by getting a student loan and going back to college, if i knew then what i know now i would not have done that... i was living in newfoundland at the time... i done almost two yrs in medical office admin course, i lost out few courses and never finished to get my diploma because i ended up with a slip and fall accident and because of it i suffered siatica (pinched nerve) for a full yr.
i never did get on track to afford paying back my student loan, they have harrassed me so much im at the point of a nervous breakdown, they have  froze my bank account with Scotia bank. i had to call them and cry to them not to do this, i was receiving social assistance at the time, a single mom with a child and rent to pay and food to buy, and they are still harassing me, i dont know what to do anymore, i suffer deep depression because of it and the stress is making me sick...
i dont understand how the canadian gov can let this happen to its own people, when there is a crisis in other parts of the world, canadian gov is one of the first ones to respond with relief fund, yet they would starve their own people in their own country...how cruel is that??
Something should be done, and someone should speak out about this, its unfair...how do they expect people to pay back student loans when they simply just cant afford to!! do they expect to get blood from a stone too???  
 there should be a new medical health diagnosis called the student loan syndrome, cause owing a student loan literally makes me sick!!!
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Post Options Post Options   Thanks (0) Thanks(0)   Quote administrator Quote  Post ReplyReply Direct Link To This Post Posted: 03/November/2011 at 7:08pm
You need to immediately change banks   - to one that you didnt have any student loans with, and deposit your funds there....
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Post Options Post Options   Thanks (0) Thanks(0)   Quote thcmike420 Quote  Post ReplyReply Direct Link To This Post Posted: 23/May/2012 at 9:25am
if you cant afford a student loan dont get it. but it is interest free and hardly anyone pays it back.
if on welfair never give them your bank info say u dont have one so you can save money.
 
if banks take money just get cheacks mailed and cash at cash store for now in cash.
 
i always thought if u went joint or split account with someone they cant touch it becasue they cant punish someone for someone elses mistake. unless your marryed.  
 
always act like you dont use or have a back account even to jobs if you can becasue they cant find out where you cash it. just lie
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Post Options Post Options   Thanks (0) Thanks(0)   Quote administrator Quote  Post ReplyReply Direct Link To This Post Posted: 23/May/2012 at 10:01am
Hmmm...not really the ethics that we probably grew up as kids believing in,  but thanks for your suggestions....  not that I condone your suggestions, but they do reflect the realities of our times! 
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