Hello,

I did finish university in Computer Science 8 month ago. I did not find any type of job in my field or other field for that matter. I finally got a job in September as a part-time inventory clerk at a sport store.

My husband did finish the same university ..2 years ago, and was not able to find a decent job. He is currently self-employed and making not more than 1800-1900 gorss income monthly.

I did got pregnant in january and the manager "fired" me. he said that the company cannot pay for an inventory clerk position and that i am given two weeks notice. after 2 weeks i was called to sign the papers, which reflected that I was the one quitting since i do not want working as a sale..It was a total bs..but I was so shocked that I signed not knowing what to do.

Of curse meanwhile, OSAP and CIBC kept calling. After 3 agonizing month , the government approved my interes relief application but CIBC keeps not getting the consolidation agreement form. They keep calling and I keep sending the paper. They said that they cannot approve me until i sign the agreement and that i have until at the end of the month.

Meanwhile, my husband keeps being put off by National Student loan.They keep losing papers, or needing more and more proof...The problem is that CIBC keeps calling every day or twice a day..and we keep telling them that the application is still pending.

Today I recieved a letter from CIBC for my husband which states that he should pay a lump sum of aprox.3500 and if not some legal enforcement will take place.

my question is(finally) ...On the government`s chart it is stated that at a certain gross income per family you are approved for interes relief..than why all this monthes of harassment from CiBC and government ?Can i address myself to a lawyer? If on the paper it is stated clearly an income and my family does not make the income stated than how hard it is with a lawyer to make them approve my interes relief.

thank you

linda

Wow! You really are getting the runaround here.

National Student Loan Centre will not approve your Interest Relief until they have a signed consolidation form from you. They should have sent out the form with your Interest Relief Application.

I know they pre-approve Interest Relief over the phone before mailing out the application. This just means you have been screened and meet all the criteria. They can put your loan payments on hold for a short time to allow time for you to get the forms, complete them and mail them back.

You should contact them and see if they have received your Interest Relief Application. If they have it, and are only waiting for the signed consolidation, and if you have access to a fax machine, ask them to fax you another consolidation form. Get a fax number and person's name to fax it back to, and send the original to them through the mail. I think they need an original signature for their files, but they should be able to process the application with the faxed copy.

Hope this helps.

amynic