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 LockedUGH. Debt collector harassing my grandmother!

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Snoofie View Drop Down
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Location: Newfoundland
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Snoofie Quote  Post ReplyReply Direct Link To This Post Topic: UGH. Debt collector harassing my grandmother!
    Posted: 06/August/2010 at 3:25pm
Hey all.  I'm a new member here, and I am hoping that you can provide some tips on the situation that I'm about to outline here.

OK.  So.  First of all, I'll say flat out that this has nothing to do with MY student loan debt.  It has to do, rather, with the student loan debt of a cousin of mine.  This cousin has been out of school for YEARS, but apparently went into default on his loans or whatever (I honestly don't know the details.)  This cousin has since married and moved across the country.

Anyway.  A collection agency started calling my GRANDMOTHER'S house about a year ago.  My cousin has NEVER lived with my grandmother.  EVER.  The only thing we can figure is that they tried tracking down my cousin and, since he and my grandmother have the same first initial (and my grandmother's phone number is listed under her first initial only), they figured that it was the right number at which to contact my cousin regarding his debt.

They have been told, REPEATEDLY, that the person they are looking for cannot be contacted at the number they have -- and that in fact the only people living at that address is a sick 90-year-old woman and her caretaker.  They refuse to believe this and have even gone so far as to call anyone who tells them this a liar, flat-out.

Well, today I was there when they called, and I answered.  I told them, AGAIN, that the person they were looking for cannot be contacted at the number they called.  The agent then asked, in a very snotty tone, "Well, then, why do we have this number on our files?"  I told him that I don't KNOW why they have that number "in their files" (which, by the way, I don't believe, because as I said, my cousin has been out of school for AT LEAST twenty years, and they didn't start calling my grandmother's home until last year.)

So the agent started going on and on about how defaulting on a student loan is a prosecutable offense and how lying about the debtor living there isn't going to make any difference and blah blah blah, and finally I just kind of snapped.  But I managed to stay calm, and I said, "I would like the full name of your company and the full mailing address."  He gave it to me.

I then told him, "Your company will be receiving a cease and desist letter shortly.  Once you receive that letter, you are no longer to contact this number.  You have been told on numerous occasions that the person you are attempting to contact does NOT live here, and you have still continued to harass a sick, elderly woman.  In addition, I will be filing a formal complaint with Consumer Affairs, in both the province in which you operate, and at the federal level as well."  Then I hung up.

Now, I fully intend to send a cease and desist letter to this company (General Credit Services.)  But what I am wondering is:  the only templates I can find online deal with letters that are being sent from the actual debtor.  Is there anything different I need to do in order to send a C&D letter on behalf of someone who is NOT the debtor?  For instance, I don't have the account number or anything.  I also don't have a specific name to put on the letter.  Would any of that matter?

I would really appreciate any tips anyone could provide.  Thank you so much!
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