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.


  New Posts New Posts RSS Feed - disability letter answered...
  FAQ FAQ  Forum Search   Register Register  Login Login


Forum Lockeddisability letter answered...

 Post Reply Post Reply
Author
momof2 View Drop Down
Member
Member
Avatar

Joined: 15/August/2004
Location: Canada
Points: 792
Post Options Post Options   Thanks (0) Thanks(0)   Quote momof2 Quote  Post ReplyReply Direct Link To This Post Topic: disability letter answered...
    Posted: 16/December/2004 at 4:09am

sometimes the mail man CAN bring good things...

checked the mail yesterday to discover replies from rick jackson at the ministry of training colleges and universities, the CSLP people, HRDC, the scotiabank GSLAC and the office of the president of scotia bank. (mom went on a little letter writing campaign and i'm happy to report that i'm 4 for 4 for responses)

mr jackson was helpful and provided me with info on who to speak to and gave me a few interesting bits of info on how they review disability application.

the CSLP folks sent my permanent disablilty benefit forms

scotia sent me another app for debt reduction for my ontario student loan and my canada student loan

the office of the president has really come through for me though.  here's an excerpt...

as a gesture of compassion and goodwill, we have agreed to suspend collection activity   

they have also provided me with number to call in government to attempt to get my debt reduction application appealed as the guidelines are set by government.  AND they also gave me more info on how to go about applying for both the provincial and federal permanent disability coverage programs.  

so while i physically feel like a load of crap emotionally i feel pretty good and a huge weight has been lifted off my shoulders knowing the CA's are not going to be harrassing me any time soon.  i see my doc again next week, and i see one specialist at the end of january so here's hoping i can get the paperwork together and make some progress.

i'll keep you all posted on my progress.  thanks to all for the support and encouragement.

professionals built the titanic but amateurs built the ark...
Back to Top
Sponsored Links


Back to Top
polyhymnia61 View Drop Down
Member
Member
Avatar

Joined: 10/January/2003
Location: Netherlands
Points: 915
Post Options Post Options   Thanks (0) Thanks(0)   Quote polyhymnia61 Quote  Post ReplyReply Direct Link To This Post Posted: 16/December/2004 at 4:44am

Merry Christmas, Mom...What lovely timing...

Poly!

Home is where you are allowed to prosper.
Back to Top
Pigeon View Drop Down
Senior Member
Senior Member
Avatar

Joined: 24/September/2004
Points: 134
Post Options Post Options   Thanks (0) Thanks(0)   Quote Pigeon Quote  Post ReplyReply Direct Link To This Post Posted: 16/December/2004 at 5:15am

That's great news MOM. Merry Christmas

Pigeon

Back to Top
Coffee View Drop Down
Groupie
Groupie
Avatar

Joined: 21/September/2004
Points: 93
Post Options Post Options   Thanks (0) Thanks(0)   Quote Coffee Quote  Post ReplyReply Direct Link To This Post Posted: 16/December/2004 at 5:20am

Yes Virginia, there is a Santa Claus!

Way to go, Mom. You haven't taken a small step, but a giant leap!

Keep fighting and writing!

 

Back to Top
momof2 View Drop Down
Member
Member
Avatar

Joined: 15/August/2004
Location: Canada
Points: 792
Post Options Post Options   Thanks (0) Thanks(0)   Quote momof2 Quote  Post ReplyReply Direct Link To This Post Posted: 16/December/2004 at 7:00am

thanks to all for the encouragement and feedback, mucho appreciated.

i think i'd send that charlie dougall guy who sent me that letter (he's the director of the office of the president of scotia bank for anyone else who deals with scotia) a fruit basket if i could afford it.  he definately made my christmas.  now i have to work on the happy new year end of the deal.

so those of you in a similar situation, never give up and always always always keep trying.  if anyone else needs help drafting a letter or trying to figure out who to write to, post your questions and we will try and help you out.

i still cant believe the bank is trying to help me.  gesh.  maybe bankers arent the anti christ afterall...

yahoo !!

professionals built the titanic but amateurs built the ark...
Back to Top
kwelmm View Drop Down
Newbie
Newbie
Avatar

Joined: 06/November/2004
Location: Canada
Points: 702
Post Options Post Options   Thanks (0) Thanks(0)   Quote kwelmm Quote  Post ReplyReply Direct Link To This Post Posted: 16/December/2004 at 9:24am
That's great momof2 .  Success for the moment is awesome.  I hope it continues for you!
Back to Top
hunter View Drop Down
Member
Member
Avatar

Joined: 04/September/2003
Location: Canada
Points: 640
Post Options Post Options   Thanks (0) Thanks(0)   Quote hunter Quote  Post ReplyReply Direct Link To This Post Posted: 16/December/2004 at 10:17am
That's great news MOM!!!

I NEVER GIVE UP!!! NEVER~!!!
TELL ME NO!!!
AND I CAN'T HEAR YOU~~~

The more I get told no, the more I push.
Even my b/f says I am a pain in the butt..
Back to Top
momof2 View Drop Down
Member
Member
Avatar

Joined: 15/August/2004
Location: Canada
Points: 792
Post Options Post Options   Thanks (0) Thanks(0)   Quote momof2 Quote  Post ReplyReply Direct Link To This Post Posted: 16/December/2004 at 10:53am
thats what my hubby says about me too, hunter.  after five years of keeping quiet and playing nice, i got too fed up of being pushed around.   finding this site was the starting point for me and like johnny says, knowledge is empowerment.  now i dont play so nice and i've got to admit, it feels kind of liberating to have an opinion and a voice.
professionals built the titanic but amateurs built the ark...
Back to Top
emma_chase View Drop Down
Newbie
Newbie
Avatar

Joined: 15/April/2005
Location: Canada
Points: 28
Post Options Post Options   Thanks (0) Thanks(0)   Quote emma_chase Quote  Post ReplyReply Direct Link To This Post Posted: 15/April/2005 at 8:30am

Are these loans from Ontario, Mom?

So far, i have done a BA (Psychology/Health Studies) and 90% of a BScNursing.

I have a re-curring Muscle Tear injury (from a "Slip & Fall" before i started postsecondary) which needs treatments that i cannot afford (good Physio Clinics are not covered by OHIP in my city -- Kingston, ON).

Now the injury has gone on so long (from being without treatment) that it will not recover.

I was at the 3rd year of my SECOND degree when i went over the heads of the Disability Office person here at school and got the Psycho-educational Testing to find out why I kept failing Statistics(3x) -- despite having very good Math skills.

Hmmm.

It turns out that I have a VERY bad case of ADD/ADHD, Combined Type. (e.g. my "Working Memory" scores were in the 30th Percentile; so, duh, no wonder i wasn't getting straight A's at University, eh?)

(People needs skills, not just pills -- and The ADD/ADHD drugs never fix everything, it seems. In fact, they cause their OWN set of problems, actually. It's trading one set of problems for antoher.)

 

So here I sit with $100 000 in debt (partly due to taking twice as long with Reduced Courseload s due to my physical injury/pain problems), and partly due to doing two Bachelor's degrees.

 

I am truly screwed and wonder why i didn't just stay on ODSP (Ontario Disability benefits program).

 

*sigh*

Any thoughts would be great.

:)

 

 

emma_chase@****
Back to Top
polyhymnia61 View Drop Down
Member
Member
Avatar

Joined: 10/January/2003
Location: Netherlands
Points: 915
Post Options Post Options   Thanks (0) Thanks(0)   Quote polyhymnia61 Quote  Post ReplyReply Direct Link To This Post Posted: 15/April/2005 at 10:22am

Okay...serves me right for not reading ALL the new posts before answering!!

I apologize for the snarkiness in the other topic, Emma (although I still think non-profit credit counselling agencies bite)...

Mom hopefully will have some insight for you...

Poly

Home is where you are allowed to prosper.
Back to Top
 Post Reply Post Reply

Forum Jump Forum Permissions View Drop Down

Forum Software by Web Wiz Forums® version 12.07
Copyright ©2001-2024 Web Wiz Ltd.