Credit Bureau and Reporting Issues - Advice for dealing with Hewlett Packard

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Advice for dealing with Hewlett Packard

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Topic: Advice for dealing with Hewlett Packard

Posted By: shepherd
Subject: Advice for dealing with Hewlett Packard
Date Posted: 26/January/2015 at 7:00am

When I was living in BC, I had a student loan back in 98, for medical/personal reasons I wasn't able to continue past first semester. Unemployed, and living off welfare I wasn't able to make any payments towards the loan, so RBC, the one that handled the Canada Student Loan, wrote it off.
That disappeared off my credit reports in 2005.
There was a grant over award as well in which they withheld my tax refunds and HST payments for about 12 years.
Last fall I was intending to apply for a loan, did the usual checking my accounts to make sure everything was good, and seen a new creditor appear in 2013 called EDS DBA REVSERVBC. Some research and discovered this was Hewlett Packard collecting student loans.
I wrote a complaint to Consumer Protection Association of BC which they required by mail, and they responded by email. Their response was this was an equifax issue, nothing they can do.
So I report to Equifax by mail, month later they send me a letter saying they received it and would investigate. Heard nothing again.

Last week I get a letter from Revenue Canada stating that they will be withholding all refunds or HST refunds for HP Advanced Solutions inc. O/A Revenue Services of BC.

I signed up for monthly monitoring now, and see that the EDS DBA REVSERVBC is still there and they are updating it monthly as no payment.

This is now 17 years later and I can't shake this. I haven't spoke to anyone about the loan since I left school in 1998. I've never made a payment, nor agreed to make payments.

Are they using the tax refunds they've been withholding and calling them voluntary payments to keep this thing alive?

I feel so helpless and don't know what to do.
I'm guessing I have to write again to Equifax with the scanned ID and such. What am I suppose to be saying to them?
I tried googling and this site is on the top each time as having the answers I need, so I really really hope someone has some words of wisdom for me.

Thanks.

Replies:

Posted By: SolveStudentDebt
Date Posted: 27/January/2015 at 4:18am

The BC Government is known to do this, yes. They twist the law to make it work for them and against you in respect of what is considered acknowledgment. If they take income tax rebates from you and you do not contest it then it is considered a voluntary payment in their view. It happens to many in the BC loan pool. A good lawyer can fight this. A good case for a class action since it happens to many people. Hewlett Packard is a private company. Not a government agency. So, if they are violating you they stand to lose financially if you are successful in a law suit against them for doing this.

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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

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