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 LockedOld Ontario Loans Getting Limitations Recognized

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    Posted: 04/September/2012 at 11:31am

OLD Ontario Student Loans 1990-1997 (graduation May 1997)

Within a year of graduation I was not working and defaulted on Canada & Ontario student loans, and I have not made any payment or had contact with any representatives since Sept 1st 2001 (you can guess why that date sticks).  Nor have I received any letters signed by a person.

I have not made payment of any kind on any student loans since 2001 (might actually be earlier but I can't remember).  I believe my Ontario Student Loans are statute barred per Limitations Acts Under the Ontario Limitation Act 1998 and Not the Limitations Act 2002 (in force 2004).


My question is this:

Is it worth writing a letter to either 1) Debt Collector 2) Gov't of Ontario (Minister responsible),  stating that any legal action is barred by limitations period, and refuse to recognize the debt?

Or will both Debt Collector and Govt merely deny this keep carrying on, even if I request the matter be settled in court?

ps I have kept the details simple and I'm aware of the technical issues.

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Post Options Post Options   Thanks (1) Thanks(1)   Quote administrator Quote  Post ReplyReply Direct Link To This Post Posted: 04/September/2012 at 2:06pm
Catch 22. Write a letter, and if not carefully worded,  it might be construed as acknowledging the debt, which would remove the limitations.   You may just have to live with the debt being stats barred without any legal notification of such...
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Prime Quote  Post ReplyReply Direct Link To This Post Posted: 05/September/2012 at 2:12am
Thanks for responding.  I know what you mean about catch 22 and "acknowledging the debt".  So basically better off doing nothing, and wait till they take real action, as in court.

"Stay calm and play solid defense"

Would there be a way to force the gov't of Ontario to officially recognize that defaulted loans pre 1998 are bound by earlier limitations act (6 years) and not the Limitations Act 2002 (in force 2004) via a third party. Just seems there's a strong civil rights case, and Charter case for both the lack of clarity and complete vagueness and the total lack of any limitations whatsoever.

Again thanks for replying.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote Prime Quote  Post ReplyReply Direct Link To This Post Posted: 05/September/2012 at 2:15am

Follow Up Question;

Do debt collectors knowingly try to collect debts that are statute barred? With the knowledge and consent of the Government?
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Post Options Post Options   Thanks (0) Thanks(0)   Quote administrator Quote  Post ReplyReply Direct Link To This Post Posted: 05/September/2012 at 4:04am

Do they try to collect loans that are stats barred. Yes. Does the government know?  I dont have an answer for that....
I'd recommend you talk to John Leblanc at CFW Group about your situation. He does charge fees but he can guide you better than I can.  
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 12/September/2012 at 6:02am
Banks yes. Ontario government, yes. BC Government, no. Newfoundland government, sometimes. Quebec government, yes. New Brunswick government, yes. Nova Scotia, there are no limitations at any time. Federal government, yes, until they are "corrected" concerning the issue. PEI - too few loans to even try to chart it. Manitoba, Sask, no. Alberta, all the time.
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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