With the limited puzzle pieces ....
First of all, a CSL2 is a bank-risk shared portion. If the government of Canada is pursuing you for a CSL2 then this is what is called a "put back". The loan was actually bought by the government from RBC for the scheduled cost, It is difficult to find this information because they don't really want people to know too much, but the government of Canada buys these put-backs for 5 cents on the dollar.
If you actually paid the RBC student loan and have record of that you have a case for dismissal.
The best thing to do is track your loan history, and be very careful about it because you don't want to disrupt any limitation issues that may be in place.
During the years in which you studied, I would say you took loans out out before and after 2000. CSL4 is coded "Federal Direct" and those are part of the new generation integrated program. CSL1 and CSL2 are old risk-shared generation.
Possibilities:
1. Your RBC loan was comprised of 2 parts - federal and provincial risk. THis means you actually have two loans. The bank may not have picked up on one of them for some odd reason, which I have actually seen in cases over 27 years working with student loan borrowers.
2. You paid it but the bank failed to close it off and it was sent to the government anyway. In this case you have to find proof of payment to RBC. If you paid RBC money then it is easy to find that out. You simply communicate with them and seek a detailed statement of account for your prior RBC student loans.
3. The current loans you are being pursued for may very well be statute barred anyway. If this is the case then they will be closed once a limitation issue is proven to be so.
Your points of contact are:
BC Revenue Services for BC direct or guaranteed loans RBC Student Loan Collections Office in Ontario for risk-shared CRA Non-Tax Collection Office either in Surrey BC for Federal direct, Integrated, or Guaranteed (if you took the loans out in BC). The Surrey office might bounce you to CRA in Belleville, Ontario.
Again, if you are not versed in how to safeguard yourself from disrupting limitation issues, it is a job for a professional. I can help you but it is a business and there are costs. I try to give as much guidance to people here, but there are barriers and huge risks involved if you are not versed in procedures, process, and system.
Good luck with this. Keep us posted!
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