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Violet
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Joined: 17/December/2003
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Topic: University is taking me to collections Posted: 17/December/2003 at 4:39pm |
In 1997 , I had just divorced, had a baby and was forced to go and live with my mother. My ex was not paying support and I was on welfare. Needless to say I was feeling really crappy about my situation. I was encouraged to take some classes at the local University, but because I was on welfare I could not get funding (OSAP)and my little part-time job was basically just covering child-care and groceries. I signed up for these classes hoping that eventually my situation would improve, it did not, but I loved the classes and meeting all of these new people so I just kept going to the classes anyway. I never paid for them, but as well I never recieved any marks for them either. A couple of weeks ago I get a letter from the university stating that if I do not pay them for services ($3500) that they will take me to collections. What do I do? Do I have any options? Please offer me some suggestions because I do not know what to do here and quite frankly it scares me.
Violet
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SolveStudentDebt
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Joined: 05/November/2003
Location: Canada
Points: 5996
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Posted: 17/December/2003 at 5:17pm |
Hi Violet,
If the University is threatening to hand your account over to a collection agency, there is little you can do to prevent this if you are unable to pay. If you are able to pay monthly, or whichever, should you negotiate repayment terms and ask them to hang on to the account.
The worst thing that can happen is that a collection agency will be introduced to the equation. Talk witht he university's student accounts department and negotiate. This is your best option if you are in a position to repay something. If this doesn't work, keep in touch with this site as there is a lot of helpful information that you will find helpful in dealing witht he attrocities of collection practices.
If you require my help to intervene, you would have to consult with me privately.
Johnny
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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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DIRTYDEBTOR
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Joined: 17/March/2004
Location: Canada
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Posted: 17/March/2004 at 4:58am |
Let's see so U basically stole an education & still are to dumb to help yourself, U make me sick, crying about u need help....If i robbed a bank U think anyone would help me?? What U did should be punishable by servering time in jail...the bottom line is you stole, U knew U didn't have the money to pay & U did it anyway
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SolveStudentDebt
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Joined: 05/November/2003
Location: Canada
Points: 5996
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Posted: 17/March/2004 at 5:31am |
Those are harsh statements Dirty. You should really take caution in your tones. If you are an agency collector submitting these posts from work, the agency's IP address is logged, of course. We don;t need to know who you are (nor do we really care), your company will be able to see who is on the internet at the time of your posting. This post will be submitted and I can assure you that it will cause you more grief than you can cause anyone else.
You obviously have been trained by the old-school system of debt collection. So, to save arguments, keep posting your nonsense and empty rhetoric, and if you are submitting from your wrok, it will be addressed. No worries. Govern yourself accordingly.
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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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runfromdebt
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Joined: 16/July/2003
Location: Canada
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Posted: 17/March/2004 at 8:29am |
No... Dirtydebtor is bitter that they never got accepted into university. So they went out and overpaid for a mail-order diploma and was dumb enough to think everyone would believe their degree is from "Havvard U", its spelled Harvard you idiot.
In this world there are the haves and have not, bitter people like Dirtydebtor will always be a have not!
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diana
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Joined: 21/February/2004
Location: Canada
Points: 43
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Posted: 17/March/2004 at 9:15am |
What is the problem with people helping people? Dirtydebtor is mean and uncaring. Maybe they are thinking of robbing a bank to pay off their student loans. They obviously have a severe chip on their shoulder.
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diana
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miss3
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Joined: 16/March/2004
Location: Canada
Points: 48
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Posted: 19/March/2004 at 7:30am |
There seems to be a bit of a misconception developing here. Violet stated that she wasn't being marked/graded and all she did was sit in on the classes because she enjoyed being there. Can the university really charge her tuition? Tuition for what? She wasn't an official student, not recognized by the grading etc... At most they might be able to charge an attendance fee, for sitting in on the classes, or at worse charge her with trespassing.
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diana
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Posted: 19/March/2004 at 7:47am |
Violet did not receive any marks. Is the university holding them pending payment? Is Violet going to continue with her education?
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diana
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momof2
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Joined: 15/August/2004
Location: Canada
Points: 792
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Posted: 21/October/2004 at 4:33pm |
i realize this thread is older, however it may still be something worth discussing...
the university is likely treating violet as an auditor. people are allowed to sit in on the classes etc but are generally required to pay to keep the seat warm. i know seniors are offered the opportunity to sit in at reduced rates, and i know each school has its own policy regarding auditing. makes little sense, i know, but the school will take the stand that she is benefitting from the knowledge despite having no marks etc.
however, the important thing to consider is that this was in 97, over 6 years ago. one would think there is a statute about this somewhere...johnny, wouldn't the school have been obligated to pursue this matter with due dilligence ? if the school had actually charged her 'tuition' for auditing in 97, would this debt not be classed as stats barred ??
violet would be well advised to research her university's policy on auditing classes, research the statutes for collecting tuition fees in her province and if she's still in hot water perhaps consult privately with johnny about how to best handle the situation.
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professionals built the titanic but amateurs built the ark...
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KimM
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Joined: 02/June/2004
Location: Canada
Points: 148
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Posted: 22/October/2004 at 5:00am |
I took a mycology course through the University of Waterloo distance education program. In an e-mail exchange with the professor I mentioned how much I had enjoyed the course and how nice it was to have involved my then 9-year old daughter in the hunt for the specimens. I believe he took this to mean that she had benefited from the course, and that we should be charged for it. In the meantime, I hear rumour that UW distance ed courses are flying around China no-charge. Kinda makes you wonder why you are paying at all...
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KimM
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Posted: 22/October/2004 at 5:14am |
Sorry, one other thing. Violet was seeking a safe and nourishing environment for herself to recover her equilibrium. I can relate to this. I was assaulted by my daughter's father in my final trimester, deserted and then dumped from my job when my daughter was about 5 months old. I pretty much clawed my way back to sanity but not without a price --it cost me $40,000 in SLs. A more humane society would have accommodated her in some way, to help her out of her traumatic situation, rather than her having to "audit" the courses.
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Blue.
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Joined: 17/May/2004
Location: Canada
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Posted: 22/October/2004 at 6:06am |
I tend to agree...I'd rather help pay for Violet's education in addition to my own, rather than have her on welfare, eating up tax dollars because she can't afford childcare for her child so she can get a job to help herself out of her situation. Vicious circle, isn't it?
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KimM
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Posted: 22/October/2004 at 6:30am |
When I used the argument that I had paid for my education and it should follow that the college follow its own rules I was laughed at by the school administrators and ignored by Queen's Park. As far as they were concerned, my investment counted for nothing compared to the real cost. Interestingly enough, you feel you will be paying for Violet's education yet according to the administrator's thinking you are not even coming close to paying for your own. Why do you take responsibility for Violet's situation? It seems to me you may enjoy holding her in contempt.
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Blue.
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Joined: 17/May/2004
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Posted: 22/October/2004 at 8:58am |
Holding her in contempt...no. I'm more of the opinion that education is becoming a rich man's game in Canada. Before we got together, my husband was on welfare for 6 months of the year for three years, because he only had a seasonal job. If he'd been able to afford an education (which he couldn't because he was on welfare), then he wouldn't have had to be on welfare. And an education might (MIGHT) have led to better job prospects. No offense was intended.
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KimM
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Posted: 22/October/2004 at 9:32am |
Then sorry for the inquisition Blue.
Myself, I am unemployed right now with EI running out soon. I am searching for answers as to why me, why am I unemployed since I did invest in an education, come with a can-do attitude and generally blow-away my competition. I came to the conclusion that my values are too antiquated for the current business mileu (read: values not work habits). That and as you may have guessed, I have some emotional baggage and don't mix well with the current status quo.
Again, sorry.
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