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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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 05/June/2008 at 8:46am
That is NCO's lawyer. I don't know if it is a scare tactic or not. You should contact the loan provider that they say you owe and confirm if their permission to proceed this way has been granted.
 
 
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 OrlosGirl Quote  Post ReplyReply Direct Link To This Post Posted: 18/August/2008 at 11:00am
Johnny:
 
I received a letter from the NCO in Alberta stating that my account has been forwarded to Mr. Gold.  I live in B.C., does he have any juristiction there?  Is this just a scare tactic as well?  I have a chronic illness and can't handle the stress this is causing me...
 
I would like to speak with you.  I called the number and I got a woman's voicemail.  Do you still work at CFW?
 
I too received abhorent treatment from the SUPERVISOR of student loan collections.  His name is Justin Thibeault.  He was yelling at me so loud I was holding the phone away from my ear and I could still hear him.
 
I submitted a complaint against him and NCO with the CIBC National Collections Centre.  IF anyone else has received horrible treatment by NCO and it was for a CIBC student loan, let me know and I will give you the number to submit a complaint.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 19/August/2008 at 4:07am

Yes, I am around. Rght now I am out of town untl the 25th. Call my assistant, Terri, on her direct line @ 902-876-3814 and give her some details. Either I or Tanya will get back to you shortly.

Who have you spoken with at CIBC NSC?
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 OrlosGirl Quote  Post ReplyReply Direct Link To This Post Posted: 19/August/2008 at 7:51am
I registered the initial complaint with Alison Grimmond and then I spoke with her supervisor Winston yesterday. 
 
I did call your assistant Terri today.  I got some information about what you do at CFW.
 
The thing is that my letter was dated Aug. 15, I have to get back to them in 10 days.  That's the 25th, unless I don't have to count the weekends, at least not Sundays.  That would buy me four more days.
 
Thanks.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 19/August/2008 at 4:08pm

Hey, you are in good hands with Alison. If there is anything she can do, she will.

If you need my help at all, give me a jingle. Just emal me from the web site (click on the contact us tab" and send.
 
Keep us posted.
 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Bailiff Quote  Post ReplyReply Direct Link To This Post Posted: 29/August/2008 at 4:47am
Mr. Gold is a member of both the Alberta and British Columbia bar.  He practices law out of his office at 502 energy square, 10109 - 106 St., Edmonton
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 29/August/2008 at 5:47am

This address belongs to the collection agency NCO Financial in Edmonton. That means he works for NCO Financial. In-house legal counsel is what they call it. I wonder if he has any other clients besides NCO, since he is operating right out of their office? NCO is not a law firm.

Please give us the scoop.
 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Bailiff Quote  Post ReplyReply Direct Link To This Post Posted: 29/August/2008 at 5:52am
He is definitely a solicitor and he does work for all the major financial institutes in Canada.  To the best of my knowledge he specializes in bank collection recovery.  He is an independent solicitor and does not work for the collection agency
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Post Options Post Options   Thanks (0) Thanks(0)   Quote OrlosGirl Quote  Post ReplyReply Direct Link To This Post Posted: 29/August/2008 at 10:48am
Johnny,
 
I have been speaking with Winston, Alison's supervisor.  He said he reviewed my case with a relationship officer and they found no reason to stop the judgement from happening.  This is even though I had only ONE contact with NCO, and that was the abusive conversation with the "supervisor" at NCO.  I never got a letter from them at my new address here in BC (I moved here from Ontario in May).  The only reason I contacted the NCO in the first place was because they called my mom's house and she forwarded the message to me that they called.  I knew why they were calling me and called them to update my address so they could send me a letter.  I got threatened, mocked and abused instead.
 
Apparently the only reason why they are seeking judgement is because I sent a cease and desist letter.  I did this because of the way I was treated on the phone.
 
I'm also going to find a lawyer that works on contingency because I'm looking to hold Justin Thibeault accountable for the way he treated me.  I was so upset I could barely function the next day at work.
 
I'm really disappointed that CIBC National Collection Centre did not see a reason to stop this judgement, even though I was treated really badly by NCO and NCO told them they tried different avenues before they got my cease and desist letter.  That last claim is blatantly false.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 29/August/2008 at 12:28pm
What you should do is escalate your complaint to the presdent's office. If the collection agency has good reason to sue, then they will always take that approach (providing t is cost effective).
 
One thing that collectors don;t lke is when you confront them, and try to gain the upper hand. What you should do is contact the President's office in writng and ask them to intervene. Write out exactly what took place and send it to them.
 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 29/August/2008 at 12:31pm
Bailiff
 
Wasn't questioning whether or not he is a solicitor. What I am wondering is why is his business address NCO Financial System's in Edmonton? He is there unique in-house counsel. Anyway, what is your predicament with student loans anyway?
 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote OrlosGirl Quote  Post ReplyReply Direct Link To This Post Posted: 30/August/2008 at 3:52am

Which president do I escalate it to, NCO or CIBC National Collections Centre?

I just realized yesterday that NCO broke British Columbia collections laws by phoning me before they sent me a letter here in B.C. 
 
There's so much I can get them on, it's not funny.
 
 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 30/August/2008 at 3:56am
If you have been violated or mistreated in any, you have to go to the source. The loan provider. The president's office is where you may ant to consider escalating your grievance.
Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

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