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Guests View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Guests Quote  Post ReplyReply Direct Link To This Post Posted: 30/September/2004 at 6:42pm
Zafire,

I'm obviously willing to risk death by the gravitational action upon coconuts. That's just the kind of on-the-edge wildman I am.

I'm sorry if you detected a backander at Mersan in my remarks concerning his failure to find employment in his chosen field. I was careful in every post to make it clear that his inability to get work was not necessarily an indication of his shortcomings but rather might indeed be a (mis?)perception on the part of those who made the decision. 

Sorry if that wasn't clear enough.

My main objection has been and continues to be his insistence on misrepresenting my statements and out and out lying about me and what I said. In any case, I certainly respect his right to have his say (god knows that if you read this topic, you read his position and theories in detail and at length). 

Be nice if someone else's opinion (not even a contrary one, mind you...just one that fails to jump up and applaud his) was not dismissed as "argumentative".  As far as I know, this is intended to be a forum for support and the exchange of ideas. EXCHANGE implies some degree of reciprocity.

So, one more time. Can you please lighten up, Mersan?



Edited by Java Man
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dazed&confused View Drop Down
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Joined: 29/July/2004
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Post Options Post Options   Thanks (0) Thanks(0)   Quote dazed&confused Quote  Post ReplyReply Direct Link To This Post Posted: 30/September/2004 at 8:08pm
Is it a full moon again??? Just curious.
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momof2 View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote momof2 Quote  Post ReplyReply Direct Link To This Post Posted: 30/September/2004 at 8:21pm
actually, i think it is...
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6273kat View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote 6273kat Quote  Post ReplyReply Direct Link To This Post Posted: 30/September/2004 at 8:25pm
 Lordy Lordy....Can you feel it too...
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Post Options Post Options   Thanks (0) Thanks(0)   Quote zafire Quote  Post ReplyReply Direct Link To This Post Posted: 01/October/2004 at 5:02am
It is actually a couple of days after the full moon... Am I not nice Java? 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Coffee Quote  Post ReplyReply Direct Link To This Post Posted: 01/October/2004 at 3:28pm

Let us all start anew!

Solidarity people!

Student debtors of our land, unite!

Who needs a drink?

 

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Post Options Post Options   Thanks (0) Thanks(0)   Quote Guests Quote  Post ReplyReply Direct Link To This Post Posted: 01/October/2004 at 7:49pm

Leave out the "of our land part" and I'll join you!

Maybe Mersan will too.

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BigFatherA View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote BigFatherA Quote  Post ReplyReply Direct Link To This Post Posted: 02/October/2004 at 11:00pm
Student Debtor's of the WORLD unite!!!

Make mine a vodka. 
BigFatherA
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non carborundum illegitemi est
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Coffee Quote  Post ReplyReply Direct Link To This Post Posted: 04/October/2004 at 11:51am

Sorry Java and my bad.  The issue affects everyone in all parts of the world.

Think globally and act locally!

 

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Post Options Post Options   Thanks (0) Thanks(0)   Quote Guests Quote  Post ReplyReply Direct Link To This Post Posted: 04/October/2004 at 7:34pm

Yes, as I've pointed out elsewhere, Canadian student loans have scattered Canadians across the globe.

So I raise my glass....Canada...Up yours!

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Post Options Post Options   Thanks (0) Thanks(0)   Quote Coffee Quote  Post ReplyReply Direct Link To This Post Posted: 05/October/2004 at 12:06pm

Guest,

Its not the country you take issue with, I hope.

I trust you are refering to the the idiots  that we elect to govern and represent our interests.

 

 

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Post Options Post Options   Thanks (0) Thanks(0)   Quote zafire Quote  Post ReplyReply Direct Link To This Post Posted: 05/October/2004 at 3:11pm
what happened to Java Man?
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David View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote David Quote  Post ReplyReply Direct Link To This Post Posted: 10/December/2004 at 2:50pm

Dear All:

Thank you for educating me on how to deal with collection agent!

I am receiving rude and stupid threats from a CBCL agent and I was scared before I came to this forum.

After I come up with a strategy and tactics to deal with this CBCL agent, I will let you know. As well, as my situation gets troubled and needs your advice, I will ask for your advice.

Unity is power. Information is power.

Thank you all.

D Solution
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Proudcdn Quote  Post ReplyReply Direct Link To This Post Posted: 07/January/2005 at 1:11am
I would like to know how to go about filing a harrassment case against CBCL.

I have followed all the proper channels. 

1) I have written to their ombudsman 3 times asking them to stop phoning me before 6:00am and to stop calling me at work.  Each time I was assured it would not happen again.  In fact, I even have a letter stating that the only form of contact I would receive from CBCL would be written correspondence.

2) I have written Consumer Affairs 3 times to lodge complaints against their practices.  Each time I was told they were making a file, and would look into it.

3) I have contacted the RCMP.  I was told there is nothing they can do.

4) I have contacted the local Vancouver police.  I was told there is nothing they can do.

5) I have contacted my Member of Parliment (Hedy Fry).  This has been useless.

6) I have contacted lawyers who claim I have a case against CBCL, but they are unwilling to take them on.

Are they really above the law?
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Post Options Post Options   Thanks (0) Thanks(0)   Quote hunter Quote  Post ReplyReply Direct Link To This Post Posted: 07/January/2005 at 9:01am
Proudcdn

Talk to the bank where the loan originated and discuss it with them.

When Nordon was harassing me I wrote a letter to the RBC Ombudsman, and told them everything.

Apparently they did some investigation, or at least they told me that they did, and I ended up getting a nice apology letter from the Pres. of the RBC.

Document everything and contact the Banks Ombudsman.

And file a complaint with the consumer protection branch of the Justice Dept.

I also did this with Nordon.

Good luck

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Post Options Post Options   Thanks (0) Thanks(0)   Quote whereto? Quote  Post ReplyReply Direct Link To This Post Posted: 07/January/2005 at 11:22am
One threat that worked for a friend...he was being called constantly at all hours regaurding his sister who had run away and hand't been seen for 2 years, was a threat to contact the .....  I believe it was phone company and CRTC....  if it is found by one or the other of those that the persons telephone is being used as a means of communication to make threats, the offending agency can loose thier phone service.  The CA stopped calling pronto.  Record some calls and Id look into this...
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Proudcdn Quote  Post ReplyReply Direct Link To This Post Posted: 07/January/2005 at 11:22am
I have actually done those things Hunter.  In fact ScotiaBank is willing to take my loan back to the bank level if I pay all outstanding interest ($4500).  Trouble is I do not have that money.
They have also offered me a settlement (approx 70%).  Again I do not have the money they would like to settle for.

The issue is that CBCL blatently breaks the law and their seems to be no legal re-course for us little guys :(
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Post Options Post Options   Thanks (0) Thanks(0)   Quote kwelmm Quote  Post ReplyReply Direct Link To This Post Posted: 07/January/2005 at 2:37pm

Proudcdn......(I am too )..Anyway--Don't be fooled by their "settlement" offer.  More often than not this is a ploy to see if you can come up with a bunch of money and then they still come after you for the rest--if it is not a valid offer.  If the CAs offered the settlement...they probably didn't even speak to ScotiaBank about it first.  I was tricked into believeing an offer from a CA was all good but I never received anything from the actual creditor!!!!!!!!!  Thank goodness I never went through with it.....I couldn't get the loan amount anyways  .

It's easy to believe we are the little guys when feeling hopeless/helpless--When you do make progress with any complaint you will not feel so powerless anymore-GOOD LUCK!!

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Post Options Post Options   Thanks (0) Thanks(0)   Quote BigFatherA Quote  Post ReplyReply Direct Link To This Post Posted: 07/January/2005 at 11:38pm
It sounds like Proudcdn needs to call Johnny.
BigFatherA
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non carborundum illegitemi est
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Proudcdn Quote  Post ReplyReply Direct Link To This Post Posted: 08/January/2005 at 10:36am
As for the Settlement offer, it is coming directly from ScotiaBank.  It is also in writing that once the agreed figure is paid that I am absolved of all debt owed to ScotiaBank under account #123456.

I have had success settling my CIBC loan in this manner.

Again the issue is not the settlement, the issue is not that I owe money, the issue is not CBCLs tactics.

The issue is CBCL (and other collection agencies) are beyond reproach.  NO ONE will take them on.  No one has been able to make them stop breaking the law.  Have a look around these boards ... there are 100's if not 1000's of people that have stories of Collection Agencies breaking the law.  If even 10% of these people filed complaints via the Justice Department, HRDC, Consumer Affairs, etc, etc ... WHY ARE THEY STILL BREAKING THE LAW?

I want to sue them for harrassment.  Trouble is nobody seems to want to take this on, much less help me process it.
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