This website is a testimony to the problems Canadian Student Loan borrowers experienced from approximately 1996 to 2008 and until their loans were paid off.

The privatization of the Student Loans system by the Chretien and Martin Liberal governments broke the system and defaulted thousands of borrowers who were trying to pay their loans. There were even stories of suicide due to the harassment of borrowers.

Read the report that I prepared back in 2007 here. Canada Student Loans-The Need for Change Fortunately the new Conservative government at the time revamped the program and fixed the system for new borrowers, but borrowers under the previous program were left with ruined credit and continued harassment from debt collectors.

I call on the Canadian Government to apologize to the borrowers affected by this fiasco and make amends.

Unfortunately the Liberal government is again clobbering the Education system with their upcoming changes to International Student Visas. Yes, there's a problem, but instead of a well thought out plan, they have pulled the emergency brake on the train causing a derailment. This has introduced unprecedented instability for both private and public education institutions who serve both international and local students.

Universities can't plan. I've heard of courses being cut because the government has no process in place for universities to send the newly required acceptance letters to the government.

This means that students who have been accepted can not attend courses that start in the summer 2024 semester. With cut sections, current Canadian students will have trouble getting courses, and may have to switch to part-time which changes their enrollment status and might trigger repayment of their loans or ineligibility for funding. I've seen this before. It wreaks havoc on the student loan borrowers.

Again, the Liberal government has messed up the education environment. Will the new system needed in a rush for the acceptance letters be the new Arrivecan scandal?

I call on the government to implement a slower phased in approach and delay the requirement of the acceptance letters until a process is in place to submit these letters.


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SolveStudentDebt View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Topic: Software to record phone conversations!!!
    Posted: 10/September/2007 at 9:29am
Transcribe it in words and post the conversation.
 
Johnny
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 coconutprincess Quote  Post ReplyReply Direct Link To This Post Posted: 09/September/2007 at 5:54am
After recording a telephone converstaion, I used my pc mic to transfer what was on the tape into a .wav file on my pc so that I could burn the converstaion to a disk. 
 
Would a copy of the original recording done this way still be admissible in court if the second party in the conversation was aware they were being recorded? 
 
I'm worried that by making a copy of the original it will not be admissible anymore if I want to use that copy as my evidence.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 02/July/2007 at 9:38am

I have been told differently by attorneys that I have access to.

Johnny
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 quantumlaw Quote  Post ReplyReply Direct Link To This Post Posted: 02/July/2007 at 6:04am
Canada is a one consenting party country. you can record a phone call if you are on the line with a person and speaking to them. Evidence in cases should only be made admissible if the other side consents. if they do not or you have not advised them that you are recording the call then the evidence is not permissble. Thus, you can record freely and if you want to use the evidence later then you must advise them during the conversation.  Agencies will call debtors and rip them out or try to harass / intimidate them. and yes they record every call. but so can you. the problem is, the only way to enter the evidence is if they consent and the probably won't.
 
if they harass you and treat you like a dog, they may liable to you! if they call your neighbours pr employer and divulge private information about you or debts, they may be liable! if they threaten you, coerce or induce you into getting higher interest bearing loans to pay off debts, they may be liable to you. You have rights. HAVE THEY THREATENED TO SUE YOU OR SEND SOME SHERIFF TO YOUR DWELLING! these are all bogus tactics bordering or exhuding the element of extortion.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Staretz Quote  Post ReplyReply Direct Link To This Post Posted: 16/June/2006 at 8:51am

Johnny wrote:

"Show your bill to a complaint invstigator within your provincial ministry, and quote them on the section of the collection agencies' act that describes the prohibited activity with respect to incuring costs upon a debtor in order to collect a debt. "

if it ever comes to that, I certainly will!

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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 18/May/2006 at 2:23pm

Show your bill to a complaint invstigator within your provincial ministry, and quote them on the section of the collection agencies' act that describes the prohibited activity with respect to incuring costs upon a debtor in order to collect a debt.

They could not argue withyou over it, that is for sure.

Johnny

www.cfwgroup.ca

 

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 eshelton Quote  Post ReplyReply Direct Link To This Post Posted: 18/May/2006 at 11:44am
...much to the disadvantage of the Canada Student Loans Program and those who administer it. 
"A proof is a proof. What kind of a proof? It's a proof. A proof is a proof. And when you have a good proof, it's because it's proven." - Jean Chretien
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Post Options Post Options   Thanks (0) Thanks(0)   Quote short_circutz Quote  Post ReplyReply Direct Link To This Post Posted: 18/May/2006 at 10:58am

Originally posted by Staretz Staretz wrote:

What about cell phones?  I work in a call center doing tech support.  I deal with the phone too much as is!  I usually dont even have my phone on when i am at home. What would be a good way to record a cell phone call, if i ever had to?

If they call you on your cel, doesn't it cost YOU money for the call?  I thought that they cannot call you when the call will cost you money...

BTW....this is my first post...

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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 14/June/2005 at 1:53pm

Yes. As long as one of the two consent to the recording. Basically, you are consenting to yourself. The lawmakers are geniuses.

 Johnny

 www.cfwgorup.ca

 www.cfwgroup.ca/forum

 

 

 

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Post Options Post Options   Thanks (0) Thanks(0)   Quote terminal_bong_g Quote  Post ReplyReply Direct Link To This Post Posted: 14/June/2005 at 11:08am

This has been answered a million times by now im sure. But any way... It is legal in canada to record a phone conversation as long as one party is aware that the conversation is being recorded. So whether it is your self recording or the poerson on the other end, as long as one of you knows it, its all good.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote 100yearstogo Quote  Post ReplyReply Direct Link To This Post Posted: 19/March/2005 at 6:12am
If he could do it for $5 he wouldn't be threatening to.

Threats are free. Lies are free.

Do a budget and tell him how much you can pay. Don't negociate.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote jadedlibrarian Quote  Post ReplyReply Direct Link To This Post Posted: 18/March/2005 at 10:03pm

Originally posted by 100yearstogo 100yearstogo wrote:

Thanks for looking up the sections of law. Hope others put them to good use. These guys rely on ignorance to make it easy for them.
As an example: One asked me "why shouldn't I get a court order to take one third of your pay?" I said; "because that would cost you $200 per paycheque"
He chuckled as if at a good chess move; "You're well informed, thats good"
"It's good for me" I said, and repeated my last offer.

Is this true? Can someone make reference? I'd love to be able to say the same thing when they start calling.. but quite ignorant about it all.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote momof2 Quote  Post ReplyReply Direct Link To This Post Posted: 27/February/2005 at 7:40am

staretz

sorry, i forgot about your vision issues - probably because of my constant brain fog.  go to the retailer where you bought the phone or your local bell kiosk at the mall, tell them you misplaced your manual and ask if you have that feature on your phone and if you do, get them to show you how to use it.

 

professionals built the titanic but amateurs built the ark...
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Staretz Quote  Post ReplyReply Direct Link To This Post Posted: 27/February/2005 at 12:32am
I will have to dig the manual up and look for it.  Though, mind you, now that I am very farsighted, small print is even more of a pain in the behind than it was when I was really obscenely nearsighted!
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Post Options Post Options   Thanks (0) Thanks(0)   Quote momof2 Quote  Post ReplyReply Direct Link To This Post Posted: 26/February/2005 at 5:10pm

some phones have this feature built in, take a look at your manual and see if you are one of the lucky ones.

also, a CA should NOT be calling you on your cell phone, unless you told them it was ok.  something i read on another thread about how they cannot make you bear the cost of dealing with them, adn since most cell phones are a pay by the minute billing system...i might be wrong about this, however....

professionals built the titanic but amateurs built the ark...
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Staretz Quote  Post ReplyReply Direct Link To This Post Posted: 26/February/2005 at 4:49pm
What about cell phones?  I work in a call center doing tech support.  I deal with the phone too much as is!  I usually dont even have my phone on when i am at home. What would be a good way to record a cell phone call, if i ever had to?
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Post Options Post Options   Thanks (0) Thanks(0)   Quote 100yearstogo Quote  Post ReplyReply Direct Link To This Post Posted: 18/February/2005 at 11:50am
Good point!! Keep your Eye on your goal.

I Wasn't taking into account the "keep it civil" approach, I guess I forgot that some of them can be polite professionals. I was going on the "enough rope to hang yourself" theory, and if one nasty one gets the firm into hot water, the supervisors might pull back on the reins a bit.

One ex-collector I worked with at the worst of it, told me that I might well be able to cost these jerks their jobs, and possibly sue for defamation of character, and damages due to dismissal from my job, as well as "third party disclosure" of confidential information, but I didn't have any stress-tolerance left by that point. So, you see I've got a little vengance still floating around in my soul.

Thanks for looking up the sections of law. Hope others put them to good use. These guys rely on ignorance to make it easy for them.
As an example: One asked me "why shouldn't I get a court order to take one third of your pay?" I said; "because that would cost you $200 per paycheque"
He chuckled as if at a good chess move; "You're well informed, thats good"
"It's good for me" I said, and repeated my last offer.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote MegaPo Quote  Post ReplyReply Direct Link To This Post Posted: 18/February/2005 at 10:20am
I agree with the way 100yearstogo put it: "the Criminal Code of Canada said that as long as one party who is in the conversation has knowledge that the conversation is being recorded, and consents to it, the recording is legal."

100yearstogo, you mentioned the offence known as "Interception of a Private Communication." It sounds like a bad thing (like, illegal), but you're right: technically, the recording of a telephone call is an example of "interception." However, not every interception is a criminal offence. (Most aren't!)

In fact, the only interceptions (eavesdropping or recording) of a telephone conversation that could be considered criminal are when:

(1) the originator OR the intended receiver are within Canada, AND the circumstances made the originator believe (reasonably) that the message would be heard by the receiver only;
     AND...
(2) the interception was intentional, and took place WITHOUT any consent of any party in the conversation.

Both conditions must be met, or the interception is not an offence. If even one person in a conversation (regardless of how many participate) permits a recording, then they can record it, or even get a friend to record it. You only need one-party consent. (And the consenting party doesn't even need to speak!)

Your advice is smart: People shouldn't take our word for it! Ask a properly licensed lawyer, or go look it up in the Criminal Code of Canada (library or the Government of Canada (Justice) website).

You'll be looking through CCC Part VI, Invasion of Privacy. It is Section 184(1) that describes "Interception of Private Communication" as an indictable offence with a maximum 5-year imprisonment. However, you must read Section 183 for definitions of "interception" and "private communication," plus Section 184(2) for the list of reasons why most recordings are not illegal.

In a nutshell... It is 184(2)(a) that makes it perfectly legal to do what we are suggesting (recording a phone call from a bill collector to you).

But here where our opinions differ, 100yearsago...

Originally posted by 100yearstogo 100yearstogo wrote:

On the subject of recording phone calls:
Never, never, never, never tell them they are being recorded!!!


While I believe we may secretly record calls (legally), I do not believe we should secretly record calls (on moral and practical grounds). It's a judgment call. For members of CanadaStudentDebt, I would ask, "What are your goals?"

If your primary goal is to have a straightforward, polite, and productive conversation that ends with a reasonable solution, then maybe you want to tell a cranky bill collector that your recording a call. That might greatly improve the collector's behaviour. Will telling the collector about the tape give you better service, better solutions? Maybe. Maybe not.

If your primary goal is to roast some dumbassed bill collector, then by all means, tape and don't tell! If that's your mission, then you might have to deal with several bill collectors, because not all of them are breaking the law! But why is that your mission?? Will your vengeance on a cruel bill collector save you any money? Nope.

Not that I'm taking a strong moral stance here. Let me be honest... I taped secretly. If a call was going very badly, I would say, "Easy now, I'm taping the call, so let's turn down the heat a bit -- let's not say anything we'll regret okay? Let's work on the debt."

Now, if a collector had done something illegal or unprofessional, I would not have told about the tape... You know... "enough rope to hang himself," right? But that never happened. I had a few rude jerks, but didn't catch anything illegal.

So I don't know... You're free to choose. I'm just saying that we should think about our goals when we make these decisions.

Heavy.

--Sean
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Post Options Post Options   Thanks (0) Thanks(0)   Quote 100yearstogo Quote  Post ReplyReply Direct Link To This Post Posted: 16/February/2005 at 1:57pm
On the subject of recording phone calls:
I spent several years as a private investigator. The head of the organization I worked for had his first career as a lawyer. Whenever I had a question about the legality of an action he would go to the bookshelf and look it up and make me tell him.
"INTERCEPTION OF A PRIVATE COMMUNICATION"
is what you are talking about.
The last time I checked (at my local library) the criminal code of Canada said that as long as one party who is in the conversation has knowledge that the conversation is being recorded, and consents to it, the recording is legal. The recording is basiclly a memory aid and a help to your credibility.

Furthermore, this IS ADMISSIBLE IN COURT.

I would suggest that you tape EVERY SINGLE CALL YOU HAVE with collectors, because, in my experience, they lie like rugs! They frequently threaten and they don't care if you loose your job because of the "urgent" messages they leave at your workplace. (I speak from experience here the park bench is closer than you think)

Please don't take my word about the criminal code; Go look it up amd see for yourself at the library.

I would also like to suggest that you use a regular tape recorder and a $7 suction cup microphone. (Radio Shack - no, I don't work for them and you can probably find one cheaper elsewhere) It might be a pain to use a stick on microphone, but bringing the original tape (keep a copy) to court is far better than a cd because it leaves fewer doubts in the judge's mind about how you might have doctored the recording. After they hang up state the time and date. Don't get clever and ask them what the date is, they might catch on. Also be aware that it is important to log each communication with them at the time it happens. Year; Date; Start Time; End Time; Key comments such as what (s)he said and what you promiced. The original notes in a bound blank book are best (cops & P.I.'s use it), but a scribbler (not coil) would do.

Never, never, never, never tell them they are being recorded!!!

Also be aware that "third party disclosure" is illegal.
If they threaten to call your payroll officer and reveal information, they are either stupid or lying.

Never say anything that you would be uncomfortable having played back in front of 65 people and the judge who is deciding if you are the victim or just an irresponsible con artist.

phew!! that was my first post, I hope It helps someone.
Venting it certainly helped me.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote momof2 Quote  Post ReplyReply Direct Link To This Post Posted: 14/December/2004 at 2:26am

works for me, anyways.  can you imagine the panic on the other end of the phone after you hang up ?? 

professionals built the titanic but amateurs built the ark...
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