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 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 have been forced to cancel programs and layoff hundreds if not thousands of full-time and contract instructors.

Again, the Liberal government has messed up the education environment.


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Forum LockedCBCL tired of me

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russ View Drop Down
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Joined: 19/March/2004
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Post Options Post Options   Thanks (0) Thanks(0)   Quote russ Quote  Post ReplyReply Direct Link To This Post Topic: CBCL tired of me
    Posted: 18/November/2004 at 12:07pm
Well, after seven months of argueing about my "grant
overpayment" CBCL asked if I would please contact
HRDC and request if it could be removed from
collections. The last agent sounded rather deflated
when her call for a student loan turned into the Grant
repayment scam. It sounds like thier as tired of
trying to collect on these overpayments as we are of
getting called on them. I told her to stamp it "Claim
denied" and send it back to HRDC herself. I will see
if that happens or not.
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Pigeon View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Pigeon Quote  Post ReplyReply Direct Link To This Post Posted: 19/November/2004 at 4:35am

Hi Russ,

CBCL is probably fed up because they make no money dealing with grant overpayments. They can't make a commission when the government pays you. They only become passionate when dealing with issues that are in their financial interest. To do otherwise would indicate that they might actually use their knowledge to assist someone out of the kindness of their hearts.

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russ View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote russ Quote  Post ReplyReply Direct Link To This Post Posted: 19/November/2004 at 5:26pm
oh they have been very passionate for the last
seven agents that have yelled,screamed, and what
not. It has only been the last two that I have been
able to talk with and inform that they have no claim
on me. I honestly think that they were new hires that
got the sh*t list to try to collect as their first files. Oh
well, at least this last one implied that I am right in
my thinking, and that the info from this site is in fact
correct.
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slats View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote slats Quote  Post ReplyReply Direct Link To This Post Posted: 27/November/2004 at 6:34am
I did the same thing....I just say i'm not paying it...no matter what...they have threated to take me to court...I say "go for it"  they have been on me for 7 months......they also sound deflated and they don't really call me anymore...
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SolveStudentDebt View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 27/November/2004 at 6:06pm

 

 A collector can only threaten legal action so many times before it starts to lose it's momentum.

 Day one... "Mr. Jones, I am going to begin legal proceedings ..."

 Day 2 ... "Mr. Jones, are you going to take care of this so we do not have to resort to extremes? ..."

 Day 3 ... " I'm serous, now, Mr. Jones ... I am going to proceed ..."

 Day 4 ... "Mr. Jones, are you wanting us to sue you? Well... we are...."

 Day 5 ... "Ok, Mr. Jones, I am giving you one last chance to rectify this matter ..."

 Day 6 .... Mr. Jones, I just thought I would let you know that we started the proceedings and you will be served with the writ shortly ...

 Day 587 ..."Mr Jones... I am serious, we will sue you - ya know. We thought we would give you some time to think about it...

 Day ... 2189 ... "Mr. Jones, this is one last courtesy call before we sue you in the Supreme Court of Canada for your  ..."

 

 Mr. Jones retorts (In the words of Islander) ... "Mr. Collector ... you have been suing me for the last 6 years. I strongly suggest you put your head between your knees and kiss your own arse. The debt is now barred... so get bent.... click.

  ..Sorry Islander, I had to.

 Johnny



Edited by 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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Hami View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Hami Quote  Post ReplyReply Direct Link To This Post Posted: 18/February/2005 at 3:15pm
The agency bothering my wife for the "grant overpayment" actually did start legal proceedings.  After silence for about 5 mths we got served today with a notice of claim.  We're off to the next level, weeee.
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CARGO1 View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote CARGO1 Quote  Post ReplyReply Direct Link To This Post Posted: 18/February/2005 at 3:22pm

contact John @ www.cfwgroup.ca he can help you with this matter.

troy

              ����The best way to forget your troubles is to wear tight shoes.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote BigFatherA Quote  Post ReplyReply Direct Link To This Post Posted: 18/February/2005 at 7:21pm
Firt of all, a notice of claim is just a letter from the collection agency.  I could send you a notice of claim for  . . ONE MILLION DOLLARS (pinky firmly against lips).  That and a buck ten gets me a cup of coffee.

If they actually started legal proceedings you would be served with a court document and it would include a return form (to be sent to the court) where you state your side for the record.  After you return it "claim denied", then a trial date would be set. 

Most grant overpayments would be a small claim court amount anyways; and won't be sued by the Ontario government (newspaper report).

If they try anyways (they could have bought a pile of debts on speculation), make sure that your trial is held at YOUR local small claims court:  It's your right.  I doubt this will ever happen.  Don't give up breathing or sex in the meantime.
BigFatherA
Priest & Teacher
non carborundum illegitemi est
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Hami View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Hami Quote  Post ReplyReply Direct Link To This Post Posted: 18/February/2005 at 7:28pm
It says she has to file a defence with the court within 20 calander days after she has received this claim or a judgement may be entered against her.  A judgement may be entered without further notice to her also.
  The form has a claim # and the address for the Windsor Small Claims Court, so it looks like this is the real deal.
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