Copy of my file not available
Printed From: CanadaStudentDebt.ca
Category: Immediate Attention and Info!
Forum Name: Privacy Issues, Violatons and Complaints
Forum Description: Discuss and expose privacy issues
URL: https://www.canadastudentdebt.ca/forum_posts.asp?TID=3821
Printed Date: 26/March/2026 at 10:41pm
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Topic: Copy of my file not available
Posted By: fytor
Subject: Copy of my file not available
Date Posted: 22/March/2005 at 4:01pm
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Could someone make sense of what I was being told today? I was inquiring as to why they were such pricks bac in the late 1990's to me (basically, I was clearly unable to pay and refused to make any concessions for 2 week "late" interest relief forms which were not late but I was just told to give them to the feds who didn't forward them on to CIBC). I spoke to one lady who was as dumb as a bag of hammers. No thinking outside the box for this girl. She just kept repeating "The collection agency has your file". I stunned her when I said, "what if I sued you...where would you get the file from". She broke down and admitted, "That's all that I can tell you" (ie: that's what she has to tell me). Then, her supervisor explained that I would have to get a copy of my file from the collection agency. I even discussed the privacy act and he insisted that the collection agency had even all of their old notes. I asked if his computer notes for the past 8 years were deleted. He advised that they are "given" to the collection agency. (Yeah right). So I made it clear that I wanted to complain to CIBC and he still was claiming that I had to do it through the collection agency. I grilled him for anyone couple of minutes and then he said that perhaps the NSLSC appeals dept could help me. I asked if even for the clearly un-guaranteed portion...and he seemed less sure. I suspect that either they have a contact to never discuss any past, present or future questions about the collection file OR CIBC has brainwashed their staff to dodge, deny, refer and do whatever necessary to BS people from getting ahold of any information that could possibly help them. Any comments, suggestions? I basically want to review their notes to confirm who "f" 'd up, when and why. Thanks ------------- "Is this normal" - Agnes MacPhail while addressing the Royal Commission on prisoner mistreatment |
Replies:
Posted By: eshelton
Date Posted: 22/March/2005 at 5:09pm
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The NSLSC will have your notes on file regardless of where it is sent. See this link: http://www.canadastudentdebt.ca/forum_posts.asp?TID=2072&PN=3 - http://www.canadastudentdebt.ca/forum_posts.asp?TID=2072& ;PN=3 ------------- "A proof is a proof. What kind of a proof? It's a proof. A proof is a proof. And when you have a good proof, it's because it's proven." - Jean Chretien |
Posted By: fytor
Date Posted: 23/March/2005 at 1:28am
Thanks eshelton  Just to clarify. Even though this is the portion that was not guaranteed by the government (because I also am paying off the government for the guaranteed portion) and despite the fact that I have only ever dealt with CIBC on this portion of the loan save for the initial application, the NSLSC will have the notes from CIBC explaining what they did and why they were such heartless SOB's. A good example is that this all started back in 1998 but, despite my many efforts to start repayment asap (long story involving OPD), CIBC didn't send my file to collection until recently. So the NSLSC, with whom I've never spoken, will have record of when CIBC sent my file to collections. I definately appreciate the info, don't misunderstand me, I just want to be certain that the NSLSC would have records even for the unsecured portion before I begin my campaigne. Thanks  ------------- "Is this normal" - Agnes MacPhail while addressing the Royal Commission on prisoner mistreatment |
Posted By: WantOut
Date Posted: 24/March/2005 at 5:01pm
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A concern here would be that the records may be doctored. It's been my experience that no one wants to 'fess up to having screwed up, and the myriad mistakes that may have been made will not appear in the notes .... Sorry to be such a pessimist. It's STILL a good idea to get copies of whatever you can .... there may be something in there you can use to rectify the situation. Best of luck, and let us all know how it goes and what you find! ------------- In order to discover new lands, one must be willing to lose sight of the shore for a very long time. |