How NSLSC records telephone calls

I spoke with a "superviser" today about having my defaulted loans recalled. 

At first, they informed me that since I already had an investigation done, I was not permitted to have more done.  Then they said I could have the original investigation investigated.  Whatever.  But in the end, I found out I don't need an investigation on their end at all, as it is up to HRDC to send back the loan. 

Since I've been in good standing with them, I can have the loan returned to the NSLSC.  But why would I want that if the NSLSC doesn't send a statement?  HRDC does.  I only want the loan rehabilitated (as per some of Mark's posts) to get this damned "default" off my credit report.  But the NSLSC says they won't update the credit bureau on the information.  It's so frustrating dealing with these people.

So then I asked about how they record telephone conversations.  They don't keep tapes.  They don't keep anything electronic/magnetic at all.   The line is monitored by supervisers and they record (write things down with pen and paper, so to speak) the contents of the conversation.  So there is really no substantial proof at all of the telephone conversation.  And they supposedly told me the loan would default back in 2003?  Bullsh*t.  Yet Equifax and TransUnion so eagerly take their word for it.


Consumer Reporting Act (Ontario) R.S.O. 1990, CHAPTER C.33

9. (3) (a)

"A consumer reporting agency shall not include in a consumer report any credit information based on evidence that is not the best evidence reasonably available;"


I'm fighting this on two fronts 1) having the loan rehabilitated and forcefully having the NSLSC update my credit report 2) corner Equifax and TransUnion with the government Act to take off the default comment on my credit report.

Still waiting on my second complaint to Equifax and TransUnion.  I sent it late September - they have until the end of this month.

Meanwhile, I'll call HRDC to see if I can 'officially' have the loan rehabilited, but keep it with them since I get a statement in the mail.

They sent back their response to my second letter, and they said the information they have is accurate.  So they just call these guys and they say 'yep, it's in default, account was reporting, yadadad' and Equifux so gleefully takes their word for it. 

I requested the copies of the proof my student loan is in default, not more telephone conversation proof.   If I'm accomplishing anything here by writing to Equifux is annoying the hell of out them. 

Charleen is only one the the many ECA that are there to assist ppl. But for your infomation the system has changed. Before when you were able to ask for a supervisor, they had no choice to speak to ECA. But they have filtered the calls because too many requests sent to ECA and they weren't really important. Just a bunch of ppl that needed to be told the same thing again. ECA are very busy as is, and they handle certain ppls files directly. Now you can't get directly too them. They have a back up to stop idiots from getting through the net. No offence, but some ppl are idiots. I mean when you receive a letter stating your loan is going into repayment, it really is. Don't disregard it then wonder why your loan is defaulted. When you speak to a CSR (1-888-815-4514 the first person you talk to), they have all the basic information to tell you. To do into detail will require you to remain on hold while they search through history of payments, consolidation dates, etc. Don't hate them if they aren't as fast as you want them to be. The system they use, well everyone uses (Mainframe) is totally out of date, by at least 10 years. CIBC wasn't willing to put the money into NSLSC to keep your files easy to read. That's why ECA ain't directly available for everyone. Since Edulinx and all it's counterparts was bought by the Americans, things will change. They are in the midst of developing software to make things easier for you. If something was done in error, it's cause those cheap **** at CIBC didn't think that managing your student loans was important enough to keep up with the times. I hate CIBC. I really do, just cause they don't follow the process they installed into NSLSC. For example, your interest relief approval status. The moment you are approved, NSLSC snds notification to all FI's that hold your Canada Student Loans. CIBC amongst others, seem to disregard the notification, or misplace it. But they won't state it, and they'll direct you back to NSLSC to have it resent. But the process for that, is to actually speak with an IR rep from CIBC and tell them to contact the NSLSC'S IR dept. Because it has to be sent internally to CIBC and the IR rep at CIBC has to ask for it (Cause those idiots don't pay attention.)

Well sorry for rambling guys. I only wanted to talk about ECA.

I've explained the notes in that forum.

The way I explained those notes, is the way that it will be looked at by NSLSC. No credit bureau will remove it, unless we say it could be removed. And as far as we see it, with all the loop holes, we can and will get away with it.

I'm not gonna provide false hope, or lie about what's there. I know the process, that's how it is. I've been trained and molded enough to know when we could get out of something, and pass it on.

I'm not hear to offend anyone, it's just the way it is.