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Email waiver from CBV Collections please help.

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    Posted: 20/July/2017 at 9:23am
Hello, i live in B,C and filed a request for communication in writing only, and CBV sent me an email waiver which i am leery about as a section in the waiver states, "I will not in any manner, whatsoever,modify,  copy, distribute,any information contained in any email, unless otherwise permitted by CIBC". My problem with this section is that I am understanding  that if I want to retain a bankruptcy lawyer or a trustee to apply to have my student loans discharged under a previous bankruptcy that i cannot share any information I receive via email?  Does anyone have any feedback or are any of you dealing with a request for communication in writing only? I would just like anything to do with my loans with them to be mailed to my address. Thanks 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Johnny Quote  Post ReplyReply Direct Link To This Post Posted: 21/July/2017 at 12:26pm
It;s basically a disclaimer that agencies put in there that makes you think twice about sharing. Probably to protect themselves if one of their employees ever sends you an email with content in it that could get them into serious trouble. With a requirement like this it allows the collectors to be usual collectors with you, make threats, imply threats, and do what they do usually and best 

Collection agencies say they cannot communicate with people via email. Yet they do anyway. If you want to have a written contact only, all you have to do is write the letter describing how you want them to communicate with you. Put without prejudice on everything you send in writing. cover your bases. 

You should send the letter directly to the one you owe the money to.  CIBC Collection office is on Lawrence in Toronto if I recall. Make it clear what you want and then CIBC has to abide by it. The last thing CIBC or any bank wants is the FCAC breathing down their necks. 


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

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Post Options Post Options   Thanks (0) Thanks(0)   Quote aaska Quote  Post ReplyReply Direct Link To This Post Posted: 21/July/2017 at 1:14pm
Thank you Johnny. I did not respond via email but did fax them a letter today saying that their email was not encypted, and that i want a statement of my accounts, and all communication sent to my home address.  I will take your advice and send off one to CIBC collections as well.  My mistake was filing my notice to them through the consumer protection website instead of printing off the form and sending it to them that way.  That is how they obtained my email address.  What exactly does "Without Prejudice" mean? Thanks again.Smile

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Post Options Post Options   Thanks (0) Thanks(0)   Quote Johnny Quote  Post ReplyReply Direct Link To This Post Posted: 26/July/2017 at 7:57am
Without prejudice means that the document you submit cannot be used in any affidavit or court proceedings. It is part of the wording of documents that protect people in cases of a limitation issue as well. 


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

solvestudentdebt.com
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Post Options Post Options   Thanks (0) Thanks(0)   Quote aaska Quote  Post ReplyReply Direct Link To This Post Posted: 26/July/2017 at 9:46am
Thanks Johnny! I finally think i found the correct address for CIBC collections today....i have been getting the runaround for the correct address.  I finally found a decent human being who works for one of the the branches who looked up the address for me....i hope.   The only concern i have is that it is a P.O box so I cannot send by registered mail. I am hunting around for a fax number as well but have had no luck with that so far she said she did not have a fax number listed.  
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Post Options Post Options   Thanks (0) Thanks(0)   Quote aaska Quote  Post ReplyReply Direct Link To This Post Posted: 26/July/2017 at 10:40am
By FCAC do you mean the financial consumer agency of Canada? 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Johnny Quote  Post ReplyReply Direct Link To This Post Posted: 28/July/2017 at 5:17am
Yes. 
Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote Johnny Quote  Post ReplyReply Direct Link To This Post Posted: 28/July/2017 at 5:22am
The address for CIBC's student loan collection office is 750 Lawrence Ave W, Toronto Ontario M6A 1B8 



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

solvestudentdebt.com
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Post Options Post Options   Thanks (0) Thanks(0)   Quote aaska Quote  Post ReplyReply Direct Link To This Post Posted: 28/July/2017 at 5:45am
Thanks Johnny, she must have given me CIBC collections for accounts other then student loan. Thank you!Smile
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