Contacting Employer..

Hi -

My OSAP (2500 of 9000) is still with NORDON.

I was wondering under when or how they could contact HR at my work directly to get the money ? I get this weird feeling that they have done so and out of the blue HR wants to meet with me tomorrow morning....

Well folks......it looks like Nordon is the CA of the week. Do you think all the CA's get together and reserve different parts of the month to unleash their dogs o' war. It just seems like we get wave after wave but each wave is about a different CA.

Lost.....I'm not sure what your work situation is like but most decent HR departments are extremely familiar with the rules surrounding garnishments and collections. When you meet with your HR department be extremely explicit that you did not authorize the CA to contact them. You may find yourself in a situation where your company complains to the ministry.

 Lost, 

 Unless NorDon has a judgment, they cannot arbitrarily execute with a wage assignement. Ontl the law firm representing the Government can motion the order with a judgment already in place.

 What you are describing here is what collectors do to stir you up - and determine if there is an avenue of execution to attach.

 If the collector discussed ANYTHING about your indebtedness, or revealed and private, confidential, or proprietary information with a third party without your expressed written consent, then it is an unlawful practice.

 Mom of 2 ... 

 What you have copied and posted is a "version" of the collection agencies' directives that can be found on most of these "Non-Profit" credit counseling firm's web sites. It is grossly exaggerated, unfortunately. Thepolice do not take these matters in accordance with call of duty. It is SOLELY a provincial ministry  (business and consumer services and OSAP c/o the MBS) issue.

 You wrote:

 "It is a criminal offence for a collection agency to harass or intimidate you, to send you threatening mail or to threaten you over the telephone or in person. It may be a criminal offence if a collection agency is calling you many times a day at home or at work or is using scare tactics to get you to pay them."

 It is not a criminal offense for a collection agency to intimidate you. Being it is that a collector is callign you to pay unpaid debt, and can use the law to enforce it upon youm this is intimidating to even the strongest of people.

It is only a criminal offense if a collection agency breaks a law of the criminal code. 99% of all mail issued by an agency can be interpreted as threatening in one way or another. The Provincial Government approves ALL literature that agencies are allowed to mail out. Every letter that you and everyone has received is approved by the Province, Crown, and lender. 

  Now, harrassment, as in "stalking", or "Coveting", or Direct Physical Contact that is threatening" is a criminal offense. Collectors are telemarketers. Ther eis no physical element. It is all verbal and psychological. Harrassment as in "bothersome" is not a criminal issue. it is a Provincial Ministry complaint. Harrassment can be defined as being contacted by telephone with such frequency that is disrupting you at your place of employment or at home. A couple of calls doesn't constitute harrassment unless the colelctor has made serious threats to you that place you in a position of fear and panic. Even these charges must be proven - or somehow substantiated for the ministry to act. It is a serious charge either way.

 Regardless, whoever wrote these directives is wrong. I have seen similar information on a BC Government website that had wrong and, wuite frankly, "controversial" content similar to what is posted previously.

 Johnny  

"Like in many third world countries" Mark?

How is Canada not a 3rd World Country?

A 3rd World country is one in which the poor are marginalised and denied their civil rights. Canada

A 3rd World country is one in which being a government employee automatically assures you of a lifetime of effortless income far above the standards expected of the citizens. Canada

A 3rd World Country is one in which there is an enormous gap beween the richest and poorest. Canada

A 3rd World Country is one in which there is a herditary class of impoverished and uneducated people. Canada

A 3rd World Country is one in which crossing the social class barriers is virtually impossible. Canada

A 3rd World Country is one in which getting your government to look into let alone rectify a siystem that tolerates and even encourages criminal activity against the poorest citizens is nothing more than an opium dream. Canada

A 3rd World Country is one in which a social safety net for those in dire need is decried by the wealthy class as parasitical and in which the poor are criminalised. Oh, Canada! My erstwhile home and never again to be native land.

If I'm going to live in a 3rd World Country, I'll live in one that is a tropical paradise and where I can make a VERY comfortable living. And one that admits to being a 3rd World Country, so has a chance of improvement.

Canada, the first step is admitting you have a problem!

Lost

glad to hear it was a false alarm.