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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    Posted: 30/August/2010 at 9:24am
Yes I am. If you are trying to get hold of me and cannot, please follow the steps:
 
My assistant (Julie) toll free- 866-239-7889
Email, privately or by the contact page on our website
My office: 902-835-1210
 
If you are who I think you are, you certainly fell off the radar.  If you move or change locations you have to notify me. I am assuming you are DM. If so, there is a limitation study going on and when it is done I will be notifying you. Please proivide contact details becaudse that is your responsibility.  Email me and I will talk with you.
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 Swizzle Quote  Post ReplyReply Direct Link To This Post Posted: 29/August/2010 at 3:12pm
Johny:
 
Are you from the CFWG?
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I'm not sure if I'm in the right forum or what but I need some help.
 
  Going back into the early to mid 90's I made a foolish decision to got back to school. Actually, it was the school that I chose which was the error. To make a long story shorter, I went to Devry Institute for a business ops. course that had something like a 2 to 2 1/2 year completion. After completing like 85% of my course I was forced to drop out because the funding from the government was suspended pending some issue Devry (Scarborough) campus had violated or whatever. Forgive my slight cloudiness on the issue due to it being 15 years ago. Anyway, I was unable to continue my studies because although the school would waive the remaining tuition fees until the matter was resolves,I was fully reliant on the monies I received from the CSL & OSL to pay for rent,bus fare, food etc... So, without this funding at that time I had to increase my hours at my part-time job to be able to survive thus, having to leave school.
 
I  subsequently couldn't afford to pay back the the loans (tuition was $9,900/per year by the way). So, I would make sporadic payments when I could, bounced numerous cheques...my loans went into default and to this day 15years later I still owe my loans,obviously, but the current interest not to mention the accrued interest to this date has put me in a situation where my interest per month,strictly on my CSL has exceeded what I can afford to pay in a month. That is just for  my CSL. As far my OSL goes, I had a yelling match over what I could and could not afford to pay and it escalted to such a point whereby the agent actually hung up the phone on me!!! I haven't called them in almost a year or more and just recently I have been receiving messages to return their calls. As far as the CSL goes, I'd like to make things right but I'm at a loss of what to do?
 
My original principal was something like $15K and now it is something like 19,900 and climbing fast. I've thought about returning the calls I continue to get but I know that an offering of less than or right at the amount of interest per month would be futile. I would never get rid of this albatross...Not to mention I never got my education either. I've been told after they're numerous attempts of trying to contact me that they will have to commence legal proceedings. I'm just afraid of calling and telling them that this is all I can afford ,if that, and having to argue about it and then them telling me that they will seek legal action anyhow...what do I do??? any suggetsions?? 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote william_tomas Quote  Post ReplyReply Direct Link To This Post Posted: 16/October/2008 at 11:53pm
Thanks for the quick reply. 6:46amEST - stressed out, couldn't sleep
No worries, Wells Fargo shot me down.

It makes me question why would she suggest such a dangerous move for me.

Is this "Eval of Debtor's Financial Status" a legit form in Ontario?
Friends say it resembles a welfare app. or the Interest Relief app. Can I post a scan of this form in .pdf for the forum's review?

Thanks
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 16/October/2008 at 7:14am
First of all, Nordon is a collection agency. Not a lender. Only their client (your loan provider) charges interest. I assure you that the interest rate youa re paying associated with your student loan is much lower than any interest rate wells Fargo would write.
 
Wells Fargo is a high interest lending institution. High interest fnancial adventures are VERY dangerous.
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 william_tomas Quote  Post ReplyReply Direct Link To This Post Posted: 16/October/2008 at 5:19am
Further to my previous post:  Ms. Gage (who I deal with) has advised that I should try Wells Fargo for a loan to clear this up and obtain a "lower" interest rate than Nordon.  I am to NOT send any more payments until I have explored this avenue.  On being declined, I informed Ms. Gage who conveniently does not recall advising not to send payements and that nothing has been noted on my file.  Do I/ Should I start recording all our convesations now?

Bill
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Post Options Post Options   Thanks (0) Thanks(0)   Quote william_tomas Quote  Post ReplyReply Direct Link To This Post Posted: 16/October/2008 at 4:12am
Hi all,
It has been over 2 mth since I've seen a post to this particular forum.  I've only recently started looking online for help and advise.

Q:  Nordon has sent me an "Evaluation of Debtor's Financial Status" to fill out to prove my ability to pay the amount I'm sending.  It asks me to detail my whole financial life - SIN #, employer name & contact info, assets, bank accounts, make, model, value of car, mortgage payment, etc 
     Is this a legit form?  It has the provincial symbol and all, but that's available over the internet and even I am able to fake a form that looks better than this one.
On consulting the BBB, they warn of Nordon's known use of shady practices, abusive agents and borderline illegal harrassment.  My local BBB office advises NOT to fill out this form as it violates the Cdn. Privacy Act.

Advise?

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Post Options Post Options   Thanks (0) Thanks(0)   Quote flare Quote  Post ReplyReply Direct Link To This Post Posted: 02/July/2008 at 4:10pm
Hi Johnny

I'm at a point where I want to settle (for a lessor amt) and pay up my loan through Nordon (dealing with the Rahman guy).

I want to:

1) make sure thats its settled once an for all and that they dont actually take the lumpsum (as interest) and then demand more later.

2) Clear up my credit rating with Equifax.

How do I do this and how do I deal with this Mr. Rahman/Raymond at Nordon? 
Im not too familar with this website.

thank you.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 21/June/2008 at 2:48am
Some states have that ruling. Canada has different laws than the USA though. Some collection agencies usually have a recorded disclaimer in their automated message when you call the number. It may say "Your call may be recorded for quality assurance purposes', or "please note that your call will be recorded to ensure that ...". So, if you hang up, you do not agree to it. If you stay on the line and continue, then you are agreeing to it. If you argue, they can argue back.
 
 
 
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 firerunner Quote  Post ReplyReply Direct Link To This Post Posted: 19/June/2008 at 11:20am
In the state of Florida it is illegal to record a conversation without the consent of both parties.  This was the problem with Nor Don they call me here in Florida threatening me, telling me they are coming to Florida to get me,   and aren't even aware of the laws here.  The letter they sent me admitted that they were wrong and they "proceeded to destroy the recording."
Not sure in Canada..:)


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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 19/June/2008 at 11:13am

No. As long as one party agrees. That is the way the law is written. Whoever wrote or passed it must have been semi-conscious at the time.

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 SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 19/June/2008 at 11:13am

No. As long as one party agrees. That is the way the law is written. Whoever wrote it must have been semi-conscious.

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 paulaffleck Quote  Post ReplyReply Direct Link To This Post Posted: 19/June/2008 at 7:49am
Having just read through this thread, one thing strikes me as odd.  It's not a criminal act to record a private conversation, when at least one of the parties is aware that the conversation is being recorded.  It is illegal for the police to record a private conversation between two parties, but that's wiretapping which must be judicially authorized.
 
But it is NOT a criminal act in Canada for one party to record a private conversation between him and a second party.
 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 06/June/2008 at 3:43am
I have heard of this. When you leave Canada, it seems that your rights to certain benefits are no longer.
Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

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Hi Johnny and great work you do here!

Because of the MS I never called. MS is aggravated by stress.

I will tell you though I did a huge amount of research in the USA about Debt. (I have a degree in Finance so I am familiar with Canada Debt) I found out that each state has different laws regarding Debt some states, like Florida, is a Debtor friendly state, its almost impossible for any creditor to do anything here whereas PA is a creditor friendly state.  Same with phone calls, in Florida it is illegal to record a call without the consent of both parties.  Other states its different. And of course its different in Canada.

So I was surprised that this so call "know it all" was pulling the stunts he did. I told him to educate himself before wasting his time to come to Florida after a wheelbound woman.  I think thats when he made the B remark  and hung up on me.

I was also greatly surprised by the letter that the Consumer Protection Branch sent stating NorDon Closed the Account.  It does state that Nordon Can resell the debt to a different collection agency and this might start all over again. However I am fully aware of this and  ready.

I do have to ask though -- have you ever heard of Loan Forgiveness denying a person due to "no longer residing in Canada?" I have the rejection letter and that is exactly what it states. That I am no longer entitled to this for I don't reside there. (even though I am a candian citizen)



anyways be good





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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 8:35am
You wrote:
 
"He would threaten me to come to florida to get me (his words) He also informed 5 mins into the conversation that the call was being recorded (ILLEGAL!!) When he was done yelling at me..he said and  the man was yelling so loud that my husband heard him, and i quote "Its B****es like you that I enjoy suing" and he hung up on me."
 
That certainly sounds like "Rockin Rahman". Did you ever call his # and get his voice mail? 
"You've reached Mr. Rahman with the default and investigations unit Royal Bank .. something ...".  I have a recording of that voice mail introduction. It is all part of the industry's character - collectors create these titles that make themselves appear more powerful than they actually are.
 
Here is something to think about - The government uses NorDon to collect their accounts. They depend on this collection agency, among others. You follow me here?
 
Johnny
 
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Also as a side note just so everyone is aware when dealing with these agencies that according to the Collection Agencies Act you have the RIGHT to send out a registered letter to Nordon or ANY collection agency that is harassing you stating you no longer wish any communication with them except through mail. No calls.

The have to follow the law and have to stop calling you. this doesn't mean you are free and clear what it does mean is that you will not get any more calls.

Be sure the letter is registered with all the bells and whistles (return receipt ect)

hope that helps


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I have a story to tell its kinda long so bare with me..:)
Jan 2000 I was enrolled at U of T I was a single mom and working full time. My life sucked! (joke) But it was insane. March of that year, I got sick, really really sick. In jan 2001 I was told I have MS. By this time I was unemployed and out of school and on ODSP (ontario disability support program) I was doing self catheters to pee, my legs where dragging from the Ms attack, double vision ect. It kicked me on my BUTT!!

While off sick I went online and I meant this man wonderful man and even with the MS and two kids we fell in love. I married him in 2002. The kids and I legally immigrated to the USA and to this day we have never been happier.

During this time I paid my student loans. I struggled, and borrowed money and ate at food banks to pay them. No one told me about Loan forgiveness. NO ONE. Even being on ODSP no one said a word.

In 2003 I found out about Loan forgiveness and applied from the USA to Canada. My Canadian Neurologist and my US Neurologist both wrote stating I would never ever ever work again. 

And the refused me,.

They said..I was no longer entitled to Loan Forgiveness since I was no longer residing in Canada. I swear its like a legal immigrant is a non entity. Not a US Citizen so no rights here and every time I tried to get somewhere in Canada..I was told..you dont reside here.

I finally said to heck with this and stopped paying (june 2003 to be exact).

And then the calls began...:) Nordon collections a Mr Rahaman aka Big Arse..:)

I would say I have MS, I will never ever work again.

He would threaten me to come to florida to get me (his words) He also informed 5 mins into the conversation that the call was being recorded (ILLEGAL!!) When he was done yelling at me..he said and  the man was yelling so loud that my husband heard him, and i quote "Its B****es like you that I enjoy suing" and he hung up on me.

No kidding

Well I was hot.
So I shot off a letter to 
Ministry of Government and Consumer Services.
Consumer Protection Branch
5775 Yonge Street Suite 1500 Toronto Ont M7A 2E5

In the letter I made my points 1) He called after 9.00 (He refuted this)
2) He illegally recorded our call
3) I have MS as I have stated and proven and doctors have said I am unfortunate but I will never work again . I did NOT choose to get sick and would glady pay back their stupid money to be healthy ya know..

But anyways.

SO I sent a letter to them and their reply was

Sorry you no longer reside in Ontario - Well again I was not impressed and pursued this matter

This week I received a letter from the Consumer Protection Branch

To summarize...

The investigated my complaint and "as a courtesy"  (since I no longer reside in Canada) they contacted NorDon.
Here is their findings

1) Our telephone conversation was being recorded and that is illegal without the consent of both parties so the call has been destroyed.
2) He did not call after 9.00 PM it was 8:55 (please)
3) He did not call me names or hang up on me (well we have no recorded call to prove that now do we??)
4) They have never been in contact with me until this day (March 26 2008). Which really is a joke for Nordon also replied to my complaint and said "Prior to July 2007 The consumer had communciated her medical condition...." Ok wait a sec they told the Consumer Protection Branch That they had never made contact with me until March of this year and then in a letter attached to it said July 2007.

Goes to show you how this company contradicts itself.

But there is an ending in sight at least for me for Nordon Also stated that they have closed my account as noncollectable.  

So my point...
If you ill and cant pay due to illness APPLY FOR LOAN FORGIVENESS!!!!!! Do this ASAP.

If you cant pay as in my case and you know I did not pick to be sick. I would gladly trade in my wheelchair for a job. To walk, to drive, to pee, and pay this loan. But I can't.  And I didn't give up. Don't give up and don't allow this company to push you around. Contact the Consumer protection Branch as I did.  file complaints. Write down dates and times of calls and write a short synopsis of each call. Keep harassing letters ect (i have letters from them  stating they are coming to Florida to sue me which really is a joke for different states have different laws and Florida is a debt friendly state aka they cant garnishee wages, put liens on principal properties ect. ) 

But dont allow them to do this to you.

so thats my story I hope it might have helped someone


be good











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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 03/June/2008 at 1:11am
Need,
 
You can reach me at 902-835-1210, or my assistant (Terri) @ 902-876-3814.
 
Johnny
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 needhelp123 Quote  Post ReplyReply Direct Link To This Post Posted: 29/May/2008 at 7:19am
Johnny, I got the same letter that Brent did...and they want 14,000 dollars right away, or at least half by Monday.  I don't have that kind of money. Can you help me.  How do I get a hold of you?
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