Hi, please bear with me, im new here.

I got a student loan for $9000.00 cdn from Royal Bank in 1999. Half was a credit line, and half was a provincial student loan through RBC(manitoba). When I signed for the loan, the banker told me that the payments were to be 72.00 a month. When I received my first bill, the payment was 150.00 every 2 weeks! Not being able to afford this, I went to the bank and voiced my concern about an error being made in the repayment terms. I was told that there was no error, and that it was the amount I agreed to. I expressly remember agreeing to 72 a month, as I knew I would not be able to afford 300 a month!

Anyways, I gave up fighting the bank, did not pay the first payment or any other payment after that. I lived off the radar after that, and still try to. The funny thing is that RBC did not send any letters to any of my previous addresses, did not phone my relatives or employers, and did not contact me in any way, even when I had good jobs and an available address. I know my credit is probably shot, but have never tried to establish any after the RBC fiasco.

Anyways, I was wondering if there was a MB statute of limitations, and if so, when its up will I have credit again?

Also, a creditor found me over a 800 dollar rent payment that was not made when I lived with my friend, and both our names are on the agreement. This debt collector (Allied) says I am solely responsible for the full amount, even though my buddy's name is on the agreement too, and I moved out before he failed to pay that month's rent. This agency says that they will take me to court to get a garnishment order. Would this be a small claims court? Can they put locks on my cheap apartment? Can a bailiff take my TV? All of my stuff is registered in other people's names. Can they take the contents of my apartment, even if the stuff (technically) belongs to other people? Can they garnish my cheques if my boss doesnt allow it?

Thanks for all the help.