 Johnny wrote:
If I am correct you contacted our office yesterday about this. If that is you the advice I had given you on the spot was to send the certificate of comp[letion and the court deocument citing relief from the student loans to the Ontario government's MTCU and collection management unit in Sudbury. It was in reference to an Ontario student loan, yes? |
Yes, that is me :)
the OSAP loan was my husband's, and that has been cleared and is not a problem ( it doesn't show up on his credit score ).
the two loans that were showing up on my credit score were the remaining amounts from student loans of mine from the early 90's that had "survived" the consumer proposal. Under the terms of the supreme court decision, the registrar of that court in nova scotia determined that I met the terms outlined in the consumer proposal, and because of hardship I needed to stay at home with two of my children who health issues ( these will be lifelong and will not really change). Thus, I was granted relief from all my student loans. (2008)
based upon what i have been told, these were "mistakenly" sent by RBC to collections, and even though the collections ( and RBC) knew that I had been granted relief, they still show up in my credit score as amounts showing in 2009. Over the years, i have made the collection agency well aware ( including sending them copies of the courts decision) that I had been provided relief from these loans, yet they were still there.
I didn't know that until Monday when I checked my credit score ( something I now firmly believe everyone should do from time to time).
I spoke to gentleman from the collection agency, who tried to tell me i did owe this amount and said that the court couldn't have granted relief, and that it was some other loan through RBC (?) and tried to get me to agree to a payment schedule.. I told him he was wrong, and even contacted RBC, who understood what was going on. I called the collection agency back and spoke with different people yesterday, before finally reaching someone who told me to fax her a copy of the courts decision ( I did), and I called three time today to find out what was going on. they told me the account was now closed, but that was all they could do...they couldn't take the 2009 entry off my credit score.
I finally got a hold of a supervisor there, who was actually quite helpful and told me that the amounts would be removed from 2009 and would now show up as part of the original consumer proposal which was completed in 2007. He said that should be purged three years after 2007 ( 2010). He also told me I should never have been told I still owe those two amounts.
It was quite confusing, and no one I spoke to ( except this one guy) seemed to want to help at all. I understand that collecting accounts is their "bread and butter", but their behavior was not acceptable. Especially the lying. After I had spoken with the person who told me they couldn't remove those 2009 entries from my credit score, I asked to speak to her supervisor. She was ticked, and gave me a non existent extension, and said her supervisor was "in a meeting". Turns out, the gentleman I reached half an hour later ( by asking the receptionist to ask to speak to a supervisor about an urgent issue) WAS her supervisor and had not been in any "meetings"
guess perseverance pays off.
( and thank you for being kind and answers all my panicked questions yesterday...it was greatly appreciated)
what the heck is going on?
Topic Options
Post Options
Thanks(0)
