CSL error screws credit and takes refund

 

Last week I recieved a letter from HRSDC claiming that I owed them 600 bucks...hmmm why would I owe money to HRSDC?  After finally finding on the paper what this debt was for...CSL, I placed a phone call to tricura/CSL. As it turns out I had been sent to collections to Revenue Canada for unpaid student loans...BUT...Tricura/CSL and myself have proof that I have made all required payments to student loans, completed all Master agreements that I have been requested to do. ( I only pay the interest on the loans at this point because I make too much to qualify for interest relief but not enough to pay the entire payment) So I get told " I am so sorry Mrs. Barber there seems to be some administrative mistake here, you should have never been sent to collections. I will be sending in a recall to have your loans brought back to us" Apparently CSL sends you to collections after they have not been able to contact you for 270 days or have not recieved any kind of payment from you in the same amout of time. I am in contact with CSL at least every 6 months. Anyways.. fine and dandy please get the loans recalled back to your office as this was no fault of my own. 10 minutes later I call Revenue Canada to find out the status of my tax refund as they have had it for 4 weeks and I am anxiously waiting my return so I may afford to take kids and myself to dentist. Guess what...thank you so much for your administrative error CSL....Revenue Canada has taken my tax refund...all of it. Back on the phone to CSL. After a lengthy discussion regarding their incompitence....superviser at CSL/Tricura decides that their is no need for an investigation into this matter that there was a major mistake made and asks for the loan to immediatly be returned to CSL. After many back in forth phone calls between Revenue Canada and CSL it is determined that the only thing that I can do is file for a partial refund of my tax refund with Revenue Canada, which I must add, is not a guarantee that I will recieve this money. Basically I have to fill out this income/ expense report for Revenue canada and thier assessment team will decide if I "need" the money. If they feel that that I make enough money then they keep it and apply it to my loans. This whole process apparently can take around six months. I am so angry that me and my family have to suffer for this mistake that CSL has made. I was also told in the same conversation that I need to be on constant contact with Revenue Canada over the next couple of weeks to make sure that my wages are not being garnished until this gets sorted out. All this I have to jump through even though revenue canada has been sent notice that the loans are in recall, and that this is CSL's fault. In my opinion...this was not my fault. I did everything that was required of me, CSL has admitted that it was their mistake, I think revenue Canada should just be issuing my refund no questions asked. I tell you I owe them money and they charge interest on me out the ying yang...they owe me money and I get no interest do I....any advise or just knowing that someone else has gone through this would be great. Thanks in advance!!!

 

Lisa