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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sask2014 View Drop Down
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    Posted: 08/August/2014 at 8:50am
Hi I am looking for someone who knows the legal laws in collections as I can't seem to find exact information on my situation and someone who knows how collection agencys work as well as when is it to long to collect on a debt?

I had a student loan around 1995. I lived in Ontario at the time. I am not sure if it is the OSAP loan or the federal loan that i owe. Its around $10,000 that I owe.  I have gotten over the years letters from a few different collection agencies demanding payment. In the past few years I have not received anything. I have been recently contacted by phone (this has been their only form of contacting me by this company). They call my cellphone and leave messages ( i do not answer as I am not in a position to pay and will not acknowledge them) They have now called my employee and leave messages for me to call them back and for what. They have also called my work on call phone, which is shared with two other employees. They have been told not to call the number but they still do.

My questions are:
Is there a specific amount of time a loan has gone unpaid that it is no longer collectable?
Are they allowed to call my employer and leave messages?
They have threatend legal action, but the loan is so old and has gone through so many collection agencies, do they generally follow through on this expecially when the loan is so old?
What can be done to make this stop. I have read that you shouldn't admit to the loan. I know that all provinces have different laws with collections, I am in Saskatchewan.
Any advice, inside information on collection agencies or persons in similar situations that can help me please help. It really bothers me that they call my work and I will not speak to them.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote administrator Quote  Post ReplyReply Direct Link To This Post Posted: 08/August/2014 at 10:24am
The loan may be statute barred.  First piece of advice: do not send any letter to anyone otherwise you may end up acknowledging the debt and losing your statute barred status.

I'd suggest you contact John Leblanc at CFW Group.  He charges fees but he can do an assessment of whether the loan is stats barred and how to get the collections to stop.

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