hi im at the library again 
im having serious probs with both provincial and federal.
Im getting the run around and im seriously pissed and stressed
Heres a summary:
I have been trying to get DR since febuary 9,2005
I have made a DR booklet with all my forms and have logged more than 39 hours trying to get debt reduction--this doesnt include any undocumented talks , nor does it include any posting on the internet, nor does it include calls to the ombudsman or my Mla(its around 169 hours if i include internet)
I have made a scoring system:
15mins=read forms
15=short talk
1 hour=long talk
2=travel to rev. canada and back to get tax assessment
1.5 hours=go to the bank and back
39 hours
I have talked to :
healther
bobby
michelle
lisa
mano--several times
roshon 67
donna
lori
jennifer
and today Dan, mano and patricia
I have constantly asked how to keep my loans out of default:
roshon said "cant answer, that question" on feb 9,2005
heather said "no reply"--date unknown
lisa: i asked what options exist after ir runs out ? she said "thought i would be working"
Timeline:
fed:
feb 9--ir declined
ordered fed dr forms
16 order forms again
-internet 2 times, bank 1 time
26-sent fed forms
mar4,rejected "need proof of income" march 2004 till now--i have zero, received dr forms
11 rev cand tax asss:
-bank=sent
18 rejected
-no proof of income (i had zero)
30 got forms back
may 2
make interest only payments for both loans
resub and wait for tax assessment=6 weeks(so i can prove my income 2168 bucks in 2004)
may 16, 2005 send
Donna looking into it (unable to reach donna today)
: so i have applied 4 times
prov:
unclear but applied twice and now i got to reapply
my loan is in default eventhough i made "interest only payment"
-today, they said payment 335 interest only is under review and until it brought up to date im screwed out of dr
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now for my prob:
today i got the run around and swore at mano, rbc, collections branch till he hung up
I dont have any money cept for borrowing 279 bucks so far to pay loans(253 and 106)--I dont have job or rent money yet but im willing to part with it to get some help
my provincial loans have gone into default:i made interest only payment on may 2, 2004--335 bucks but i still got a letter from arc accounts recovery corportion and talked to jennifer on may 16, 2005-they said error
I have constanly asked for a statement saying they made an error but they wont send me anything--all i get is threats
Today, i phoned mano, rbc, credit management: he said my payment is under review--"someone has the file" and i got to reapply for DR for the 4 time once my account is up to date
I thought that my interest only payment brought my account up to date and that they extended my payments to 15 years?
So what should i do to make these jokers to stop aggravating me: im spending all day and nights working on my student loans and it is taking away from my job search and making me very angry
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Summary
1. need some help:
2 want to file complaint but dont know how--against rbc?
3 file complain with ombusdman ?
4 complaint with mla
5 prime minster--my aunt is shirley chan should i talk to her ?
6. how do i get my account up to date ?> I paid interest only payments on may 2, 2005 335 prov and 415 fed
i dont have job or income yet and am borrowing money ?
7. how do i get Dr if i get screwed : i believe i should get it since im so poor ?
8. I dont have enough to pay john so i post here but am willing to pay the 279 bucks-rather than pay loans
Hope this rambling makes sense but its better than punching more holes in wall ?
Ari for advice or help
I will come back tommorrow or sunday to the library and check
thanks
I think i need johnny’s help
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