Collection of Old - Stats Barred - Loans - CRA collecting stats barred loan

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CRA collecting stats barred loan

Printed From: CanadaStudentDebt.ca
Category: Immediate Attention and Info!
Forum Name: Collection of Old - Stats Barred - Loans
Forum Description: Post questions about old loans and Statute of Limitations Issues
URL: https://www.canadastudentdebt.ca/forum_posts.asp?TID=7045
Printed Date: 26/March/2026 at 10:30pm
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Topic: CRA collecting stats barred loan

Posted By: pabloottawa
Subject: CRA collecting stats barred loan
Date Posted: 22/May/2015 at 2:46am

Hi guys,

I'm hoping someone can shed a little light on this issue.

Long story short

Had a 9k loan in 2000
Scotia bank and their goons tried to collect for years
Hounded me so much that I refused to pay
No legal action taken
Other than the harassing phone calls, no action taken
So I'm assuming it's stats barred and there has been no admission on my part written, spoken or implied.
8 months ago I receive a letter from scotia bank stating that the account has been "transferred"
1 month ago I get a letter from CRA telling me that I have an outstanding student loan and I have to pay it.
They seize my income tax refund over 1k.
Yesterday I get a letter from them saying that my refund was applied towards my loan, again, TO DATE I have made no admission of any student loan spoke, written or implied.

Can CRA legally do this or have the rules governing stats barred loans changed in the past year?

Replies:

Posted By: pabloottawa
Date Posted: 22/May/2015 at 2:57am

Where are my manners lol

Cheers and thanks for reading. :)

Posted By: SolveStudentDebt
Date Posted: 25/May/2015 at 12:40pm

It the loan was subrogated (put back and purchased) by the government of Canada then yes. Limitation rules are never as simple as your assumption of them. Limitation issues are there for many people to benefit from. However, the onus is always on the borrower to prove it, and governments don't like it when they are called out on them. Banks more so.

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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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Posted By: administrator
Date Posted: 25/May/2015 at 6:24pm

I didn't have time to respond to this post, but now do....

This is a tough one because if you write to them with the wrong language you might accidentally acknowledge the debt and then lose your stats barred status.

It is unlikely after all this time that Scotia actually legally sold the loan because that was so long ago and if they had, I'm sure you would have heard about it a long time ago.

That being said, I think the best thing you can do is to contact Johnny at CFW Group and hire him to work this for you. He charges fees for his work, but I think he is the best qualified to deal with this....

Mark

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Administrator
Mark OMeara
Author of Let Go and Heal: Recovery from Emotional Pain
https://LaughSingWrite.com - http://bit.ly/heal2024