my abuse story

Hello. Ive never had to deal with a collection agency until tonight. I have been in default on my loans for maybe a year? i am unsure because I ahve psychiatric problems and really have trouble keeping myself together.

Anyway, I have alot of trouble keeping jobs and I ahve applied to disability, which should take a good 8 months. I am currently living on welfare for the first time in my life, which is $535 in Toronto.

SO even though I am UNFIT to work, I have to attempt to work, even if it means only being able to work for a short time before getting fired or quitting when I start to lose it. One day, I get a letter at my address with my name and address, asking me to call a certain number. BIG mistake. I thought it might be a recruiter. It was a phone number set up with call display, just set up to collect my phone number, so these agencies could call me.

Today this guy called me and i told him my address, and I tolld him that I am uable to eat, let alone pay anything. He started telling me what a deadbeat i was and how i never would pay any of it (let alone that I payed on it for about 2 years when I was able...)

Anyway I lost control and bawled for the next two hours and took some tranquilizers and looked up here how to make a complaint. He refused to identify himself but I ahve his phone number. ANy other advice? i am concerned that someone harassing an unstable person might cause them to hurt someone. Including themself or others.

will my complaint mean anything?

Just so people know, this mystery number was 1-888-890-9074.

 

Collectors always refrain from giving you their name and coordinates when they approach you as you have described. Collectors are well trained on how to avoid getting caught in the event that they stray away from the guidelines and break the rules.

um. i think its canada student loans. They did not answer when I called, but after I called, I startedc getting calls from the number daily. Im sure it recorded my number. The guys at first said the name of the agency it was something with the name toronto in the Title. I live in Toronto now, but I only ever had alberta and Canada student loans. i definately want to make a complaint. My psychiatrist had to scape me off the ceiling after this. 

I have the SAME number calling me every day for the past week! It's the 1-888-890-9074 number.

I am getting calls there too, but I haven't yet recieved any letters that my stuff was sent to collections.

i got a call from this number this morning.  I have student loans, but i just finished school a month ago, so I'm not even in repayment status yet.  i've been in the process of applying for a new job, and thought it was them.  The voice message they left was just a dial tone.  I called them back and it was a recording asking me to leave my name and number.  Has anybody figured out if this is a collections agency? 

suggestion: complain to your phone company and the crtc

Can anyone answer a question for Me? I am making payments using a U.S. Funds money order and sending the payments, with the SDC tear off coupon from their statement to the Mantane Quebec address. Today I received a statement that shows $5.62 adjustment. I thought great, they are reducing my loan further, but in actuality it is an adjustment increase! Can they do this? It is not interest, but CSL says it might be a charge from the collection agency for fund conversion. Since I refuse to speak with ARC  because of inappropriate proceedings, I don't really know if this is a legitamate charge. How can they add to my student loan balance if it is not interest!!! Any answers are appreciate.

Excuse me for my ignorance, but write Who? I was told that my payments, which are sent directly to the Matane QC address are in fact cashed  directly by Social Development Canada.  Then this information is forwared to ARC.

Thank you much. You've been very helpful.