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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polyhymnia61 View Drop Down
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Joined: 10/January/2003
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Points: 915 		Post Options Post Options   Thanks (0) Thanks(0)   Quote polyhymnia61 Quote  Post ReplyReply Direct Link To This Post Posted: 28/October/2004 at 6:25am

Hey, I LIKE anchovies, Coffee!!!

Does that mean I'm a masochist?

Poly
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Joined: 21/September/2004
Points: 93 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Coffee Quote  Post ReplyReply Direct Link To This Post Posted: 28/October/2004 at 6:31am

Poly,

I thought you would be more of a cracker kind of a person!

 

 
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Cesca View Drop Down
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Points: 37 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Cesca Quote  Post ReplyReply Direct Link To This Post Posted: 28/October/2004 at 4:09pm
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Look Cesca, I hate to stereotype, but DH has been on the dole for four years. In previous posts, you said that most of DH family was either on the dole or on disability. Do you not see a pattern here?

DH has been living off the system for four years (nothing wrong with that if he has a legitimate reason to do so). But c'mon, he is asking you to add himself as a second card holder if and when you obtain a credit card. He already ran up $40K in credit card debt and declared bankruptcy. Is this someone you would like as a secondary cardholder?  

Someone is NOT reading my posts correctly.

DH is on a legitimate disability. IF you think he is on it for fake reasons, then  I wont be reading anything more of what you post. You havent been to hell and back. You obviously havent lived on $1000 a month for 2 adukts and a child. Do you have any idea how expensive diapers are???

And Disability is NOT the DOLE. How DARE you say that.

Its obvious I'm not getting any help here. I'll go and find my answers somewhere else.

I said I know DH is denying the situation.  I said that I was NOT going to put him on my Card when I get one. How stupid do you think I am???

Do you expect me to just walk away and leave him to rot??  We have a 2 year old child. I dont have any choice. I have to do what I can to help.

Cesca

   

 
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Points: 498 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Islander Quote  Post ReplyReply Direct Link To This Post Posted: 28/October/2004 at 4:44pm

Cesca, for what it's worth, in my opinion the people involved in this thread and the other one you started have been astonishingly heartless and judgemental.

Some of us have a great deal of sympathy, even empathy for what you are going through and would genuinely like to offer whatever help we can. And from my point of view at least, that doesn't mean taking a bunch of cheap shots at your husband for his condition or at you for your immigration status.

I think the people who have been taking you apart have been uncharacteristically sanctimonious. I don't know what's come over a group of people who are usually a little more human than they have been in their dialogues with you.
What? Me, worry?
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Points: 149 		Post Options Post Options   Thanks (0) Thanks(0)   Quote zafire Quote  Post ReplyReply Direct Link To This Post Posted: 29/October/2004 at 2:30am

Originally posted by Cesca Cesca wrote:

Noone has given me any real ideas for remaining out out of sight.

And you are saying that we do nothing at all - dont answer the phone, dont write letters - for the next 6 years??   DH is not very happy about that all.

Cesca

The time is actually 6 years minus 1. The minus one is because the government feels it needs at least a year to take someone to court before the acutal 6 year limitation rule is up.

About staying below the radar line, really I wouldn't sweat it, becasue I think that you are already there. Even if they do call, and you pick up the phone and they yell at your husband, there is not a lot they can do. His pension is untouchable. And you are not responsible for his previous debts. Just in case though, I would change acounts. Credit unions have a good reputation.  

 

 
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Points: 792 		Post Options Post Options   Thanks (0) Thanks(0)   Quote momof2 Quote  Post ReplyReply Direct Link To This Post Posted: 30/October/2004 at 9:43am

cesca

sounds like people are forgetting the question you asked and are unable to give you any decent advice.  zafire is on the money though.  anothe thing to remembe is that 10 years after DH declared bankruptcy he can apply to inclue his remaining student loan debt included ( and no he does not have to go bankrupt again).  they make the whole student loan thing a nightmare to navigate.

i can relate to dh being frustrated to the point of wanting to screw it all and ignore it.  he's been through bankruptcy, his credit rating is shot, he's on disability and he's had to deal with a CA - he's been through quite a bit.  encourage him to get online and do some research.  print out some info for him to read so he can become aware of the situation and his rights.  i have no problem ducking a few phone calls as long as the time is being spent well, ie research and empowerment through knowledge.

i would recommend getting johnny involved though - he has the expertise to navigate the shark infested waters.  i understand that finances are tight for you two but try and work something out with him - it will be so worth it for the peace of mind he can bring you.

i wil try and dig up some info for you (if i can find it, my house is a disaster - we just moved) adn will be here to offer support if you need to talk

 
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Cesca View Drop Down
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Points: 37 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Cesca Quote  Post ReplyReply Direct Link To This Post Posted: 30/October/2004 at 7:43pm

MOM - I have replied to your post on my other thread 

Thanks for the support.

Cesca
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Points: 792 		Post Options Post Options   Thanks (0) Thanks(0)   Quote momof2 Quote  Post ReplyReply Direct Link To This Post Posted: 11/November/2004 at 4:35pm

cesca

try www.bcpwa.org/pdf/action_canadastudent.pdf

the template is there , i hope it helps.  sorry it took so long but we just moved and everything is still a disaster.  hope things are going better for you and DH and that his situation improves.

good luck and keep me posted
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Points: 37 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Cesca Quote  Post ReplyReply Direct Link To This Post Posted: 12/November/2004 at 5:49am

UPDATE

Since we sent the cease and desist letter its been "all quiet
on the western front". LOL  We've not had a single
phone call in the last 2 weeks and only one letter from the
same CA, but from a different guy. I assume this means
that the new guy will start the calls again soon.
But now I have lots of ammunition to fend him off with.

Cesca
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