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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Forum Lockedhow do I stop them from calling me at work

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sunshine1 View Drop Down
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    Posted: 12/November/2009 at 7:55am
Hi,
as many other people I have student loans that have been in default since 2000. I have been making small payments towards my debt since - monthly, but nothing to offset the interest. Lately an agent from ARC has been calling me at work. I know they are not supposed to do that, but how can I actually make them stop? Does anyone have any ideas?
They have my home phone number and I accept our daily chats at home,but the work calls are really stressing me out. On top of it all, I am on maternity leave right now i.e. am not even working right now - they know it and they keep calling there.

Any help is appreciated

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frustrated-guy View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote frustrated-guy Quote  Post ReplyReply Direct Link To This Post Posted: 13/November/2009 at 12:56am
Hi,
What Province are you in?
 
The consumer laws regulatind debt collectors are provincial laws (slightly different in each province).  If you tell us what province you are in, I can send you the link to the consumer laws in your province that regulate what debt collectors are  allowed to do
 
 
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sunshine1 View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote sunshine1 Quote  Post ReplyReply Direct Link To This Post Posted: 13/November/2009 at 8:44am
I am in Ontario and my understanding was that as long as the collectors have your home phone number they are not allowed to call you at work.
please send me the link, as I guess I will have to write a formal letter of complaint

thanks
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administrator View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote administrator Quote  Post ReplyReply Direct Link To This Post Posted: 13/November/2009 at 1:56pm
at the top there is a red menu....click on student loan info, then filing a complaint.  Check for the Ontario address....
 
Ask for the collector's provincial license number and tell them you will be filing a complaint for phoning you at work....
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Mark OMeara
Author of Let Go and Heal: Recovery from Emotional Pain
https://LaughSingWrite.com - http://bit.ly/heal2024
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sunshine1 View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote sunshine1 Quote  Post ReplyReply Direct Link To This Post Posted: 14/November/2009 at 7:56am
Thank you!

I will let you know how it goes...
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Post Options Post Options   Thanks (0) Thanks(0)   Quote justme123 Quote  Post ReplyReply Direct Link To This Post Posted: 29/December/2009 at 3:50am
I'm not sure how it works in Ontario but here in BC if you write a letter to the collection agency stating that they are not to call you at your work and if you have provided an alternative # by law they can't call your work.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 30/December/2009 at 4:21am
You would have to issue a letter to the agency. However, if the collector demonstrates that he/she cannot reach you during more convenient hours, they may still call you there. It is important to address in such a way whereas there will be no reason for anyone to call you at your place of work.
 
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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