Who or what is "EOS NCN"? (Probably CIBC related)

Who or what is "EOS NCN"?

This is probably over an ancient Federal loan from the early 90s, which got partially paid off, then I returned to school. This being the case, what is and isn't EOS allowed to do? CIBC can't outright sell it to them, I'm fairly sure of that. Would I be better off dealing with EOS or going straight to CIBC on this? Or even talking to both and seeing what kind of terms each offers?

This is assuming it's legitimately about that CIBC loan in the first place... it probably is but no-one so far has actually said that to me, and you know what they say about assuming.

This reply may only be partially true. Students loans are actually paid out and administered by the Chartered banks but they are actually guaranteed by the Government....which of course is mere semantics. It's common knowledge in this country Gov't and Banks are one in the same. So, if the bank "redeems" any student loan they believe is unpaid and/or past due, they can (and in most cases do) simply hand it over to the Governemt (fed or prov depending on which loan type it was) for repayment. Then, the Gov't starts chasing the debtor simply based on the banks information (correct or not). I too just received a phone call from this company. The automated message advised they were calling on behalf of the Ontario Gov't. When I called back, I got the same run around as Purpleplatapus did. I suspect this is their feable attempt to collect on an old Student Loan from the early 90's which was forwarded to me through the Scotia Bank and was in fact paid off in full through the Scotia Bank. Unfortunately, the Bank had already collected on their guarantee from the Ontario Government and when the payment was made to them, they neglected to forward it on to the the Gov't and it wasn't posted to my account with them. About 12 years later (yes, I said 12), I received a notice from the Ontario Gov't stating they had rolled the amount owing for this alleged debt into my Income Tax account and now I am receiving past due notices from CRA stating I owe them "back income taxes".Although I have forwarded the proof of payment onto the Gov't, they continue to send me notices of this balance due. So, quite frankly I have simply ceased trying to correct this at this point. Unfortunately I do not have the time or energy to do the gov't employees job as well as my own.The unfortunate moral of this story is that this is another case in point that solidifies the beliefs of the majority of the countries population that Gov't and its workers have absolutely no idea what they are doing.   

Are they attempting to collect a debt that you actually paid in full and you have paperwork that shows this?

If you have actual proof that the debt they are pursuing you for is paid then it cannot be collected twice. Who do they say it is that you owe here?

They are a licensed collection agency, yes

So I have a court order that my ex is soley responsible  for paying off the line of credit..Now for the last 2 months nos ncn has been calling me every day to pay it off,since she claimed bankrupt.I dont know what to do with this person ,that keeps calling,getting very annoying,and making threats as well...

They cannot pursue your ex any more because she is registered insolvent.

I got a call from EOS NCN a few months ago regarding a very old student loan. The woman was reasonably pleasant so I was working with her to resolve the account. I have made a few monthly payments to them since then and have been working on a solution with my bank to pay this account in full. However, twice now I have received calls to my office from an overly abrasive man claiming to be a supervisor. The second of these calls having been just a couple of hours ago. I spoke with the first agent yesterday to tell her what stage I was at with the bank (the process is almost complete). Then today this man called to demand an exact date when the account would be paid. I told him that I don't know what the exact date will be but that I have been updating his staff. He got very loud saying that he is giving me 24 hrs to have the money in his office or else. When I asked him what exactly he was threatening to do he told me to think about it as I am a smart person. I asked several more times for an answer regarding what he was threatening to do, he got louder and then he hung up on me.

What exactly could he be threatening? What is he able to do tomorrow if the payment in full is not received in his office?

It is a threat of legal action. That is how a lot of loud and boisterous collectors behave. When people ask what they mean when they say "else" the collector will say something like "what do you think?" or "use your imagination". They are aware of the legal implications to them and the agency they represent if they are actually caught telling you that "are" going to sue you if you don't pay. The legal implication is just as Mark put it - a threat - or what is considered an act of intimidation. Sure, collectors do and say all kinds of lawless things in the run of a day at the agency, but "criminal intimidation" is one issue that is taken most seriously.