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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momo1974 View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote momo1974 Quote  Post ReplyReply Direct Link To This Post Topic: Harassment?
    Posted: 07/March/2007 at 3:40am

I have a question... if anyone knows.... how many times can a collection agency call you in a day/week?   At what point is it harassment?  I have been getting calls from NCO, from the 1-780, the 1-866 and a private name/number numerous times a day!!!   I am debating whether to block the calls, it is that bad!   Anyone else have this problem?  

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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: 07/March/2007 at 10:42am
If it is a guaranteed Canada student loan, collecvtors are only permitted to establish contact with you by phone once per day, but no more than 5 times per week. That is a directive (you can find those directives on my website forum www.cfwgroup.ca/forum.

Would you like some help with this so you do not have to stress out about this issue and get the matter under control?

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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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 07/March/2007 at 10:44am
FYI - if the debt is not a CSL, then collection agencies are permitted to call you up to twice per day untl contact is established. However, calls that occur with such frequency as to constitute harrassment is a problem. If they call you daily, this is normal. If they call you three times per day every day and behave in a manner that is unprofessional, this would be harrassment.

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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agentsly007 View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote agentsly007 Quote  Post ReplyReply Direct Link To This Post Posted: 13/August/2007 at 2:04pm
Hey!
 
I got myself an unlisted phone number and I never got bothered by any collections agency again and it cost a little more but you have peace and quiet...Get an unlisterd phone number and only give the numbers to people you trust only...Good luck
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Buff View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Buff Quote  Post ReplyReply Direct Link To This Post Posted: 14/August/2007 at 9:17am
My friendly neighborhood agents don't have my number because I've moved to a few different cities since my loans defaulted (for work, not to avoid them). I always call them from a payphone, so that's what shows up on their caller ID. They know I do it too, and it really bugs them.
 
Buff
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Post Options Post Options   Thanks (0) Thanks(0)   Quote reyduts Quote  Post ReplyReply Direct Link To This Post Posted: 14/August/2007 at 2:48pm
these collection agencies need to be harnessed, a guy Anthony emp #4144 from Allied Collections in Toronto has been calling my daughter constantly, even though she has offered money within her means, he refuses anything but what he says, he is rude aggressive and a "squirm", he hung up on me tonight as a result of what I said to him...aweeee...anybody know anything about Anthony let me know, a concerned Dad
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caper View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote caper Quote  Post ReplyReply Direct Link To This Post Posted: 28/August/2007 at 8:21am
Holy Smokes!!  I can't believe "Anthony" is harassing someone else...he is IMPOSSIBLE!!  I can't even begin to tell you the abuse I have suffered from this guy.  From day one he has treated me in the most reprehensible fashion.   I have been keeping copious notes, and have been doing some research on this topic.  I am a lawyer and so am pulling together a harassment case against Allied, and Anthony is the star...I will let you know if anything comes of it.  So far, I have learned that his tactics are contrary to the law, and the "Harmonized List of Prohibited Collection Practices".  This guy is abusive to my spouse, continually calls me at work, even though he was advised not to on numerous occasions. He calls my work cell number even though, again, on numerous occasions I have told him I am not permitted to take his calls on this line.....In any event, the starting point is to send a registered letter to them indicating to only contact in writing and provide an address. 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 29/August/2007 at 3:11am
Get er done!
 
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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Staretz View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Staretz Quote  Post ReplyReply Direct Link To This Post Posted: 30/August/2007 at 1:33pm
I hope you have been recording those calls too, caper :)
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