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Updated Info on Dealing with collectors

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    Posted: 11/July/2004 at 3:24pm
Click this link for the most up to date info on dealing with collection agencies and where to file complaints

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marija79 View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote marija79 Quote  Post ReplyReply Direct Link To This Post Posted: 17/August/2004 at 7:56am

Hi there,

 

attached is my story, sorry about the grammar mistakes, i hoep its to the point, i had it in a onger version, but since i dont hav eth e time to read it, please review and help me out if you can.

thanks alot

Well for starters i would like to thank you for giving me the opportunity to state my story and to have it reviewed.

it all started in sept '99 , in which i enrolled in to the toronto school of business for dental assisting. the loan officer at the time Steve took care of all the questions and i had to sign. within 2 weeks cibc student loan centre sent me the approval grant for $ 11,000. i came into the school and signed all the documents, and was told that my copy would be mailed to me and that he didnt have a copy for me now.

after several month s and several atttempts to retrieve this documents pertaining to my loan, i never got them, i was always told that they were in the mail, or that they would conifrm my mailing address etc. they had all my information on file and till this day i have never gotten a copy of my student loan application.

Problem #1: I have no documents pertaining to my loan.

Problem #2 : no matter how many times I have called and confirmed my address, I never got any loans.

At around mid Feb, 2000 many teachers were coming and going, you wouldn’t know who to see in the morning when u got into class. One day came and no teacher was there to teach us our lesson, so we were dismissed to go home, then 4 days later we are in class and the financial officer comes in and tells us that the class has been cancelled for the rest of the year and htat it will begin next sept, the money was already paid for tuition.

So in the mean time I was working at dominion as a deli clerk where I was earning $7.00 and hour and got 3 days a week with four hrs a day. Six months later, I got a message from cibc student loan indicating that they were awaiting my loan repayment and that I was already 3 months behind and that if I didn’t remitt the $ 11,000.00 that I would be ruiing my credit. Working for $7 an hour part time, do you really think I had that kind of money? NO

He gave me until the end of the week to let him know other wise he would have no choice to process my file to the collection agency. I got scared, because what was I to do, I had taken this loan out, didn’t have any paper work and now was being threatened to have my credit rating terminated because I didn’t have the money.

So now its May 2000 and the Friday finally arrives and I called CIBC Student centre and speak with Dave, who tells me that he has already sent my file down, and that I have the very least of 24 hours to get a loan of some sort and to pay for this loan, then he will pull I t out from the collection agency. I go on to re- explain my situation about the school, which had no teachers on hand, and that I was out of a diploma and not making the money that I was hoping for $7.

He gave me my deadline and said to call him when I had an idea and hung up. I scrounged around asked my friends and family, reliantly as assumed I couldn’t find the funds so I had no choice but to suffer with the consequences. Wrong, I went to the bank like Dave” had suggested and filled out a personal loan - line of credit at TD, Bank of Montreal, CIBC, Scotia Bank, guess what due to my DISCREPINCY PAYMENT” with my student loan, I had an R9 placed right beside CIBC student loan. These guys started the process of trying to collect even before I got half way through the course. Supposedly there were letters sent out, warnings, etc, in which I never got. I had even suggested paying what I could, but no where near as much as they wanted. They left me feeling like a complete helpless idiot.

I called dave told him I didn’t have the funds and due to the games” and lies, he never told me that CIBC already hit me with a report to the Credit Bureaux. Not only was I declined the application, but the fact that I made the request also had a place on the list.

My credit was ruined, and I wasn’t making enough money to make these payments, and I had no diploma supporting my schooling. I felt cheated and it bothered me. I wrote to CIBC Student centre and pleaded with the supervisors and managers not to allow my file in a collection agency they all said there was nothing they can do and that it was “company policy”.

Months went by and I was still paying $ 58.00 each month, and finally in Jan 2001 I started working as a receptionist making $22,000.00 an. At this point was able to make the miniun requirement of $ 50.00 for the provincial and $88.02 Federal. The student centre still refused the amount and this time they were kidding about the collection agency. Cibc even helped the agency out to give them my work and contact #. This agency must have called me 4 times a day, and I tried hard to hide it from my boss, but finally everything caught up to me and I was called in to his office where he sat me down and was on the way to giving me his final warning, when the phone rang and it was the same collection officer talking to my boss, telling him how I havent been paying for loan and that he was calling to see if had the money, meanwhile we had already spoken 3 times that specific day. It was truly anight mare and I cant begin to tell you how many more calls came, after my boss had even asked them first in a manner fashion to stop disturbing his office then finally when he had enough of the vulgarity of these people and the constant harassing, he called the police and had them warned by 22 Division. You think it ended here? NO, it was close to Spring and I was making my payments as usal and they were still calling me for more post dates or more monies, and my boss over heard, grabbed the phone out of my hands and hung it up and screamed in such a tone”YOUR THREW HERE”

I cried all the way home, that this individual had made me lose my job, now what was I going to do? I had to pay for rent, food, how was I going to live? The calls continued at at home 4times a day all started first thing in the morning 8am until 4 pm, and they would constantly threaten to take me to court, and that the longer I was waiting the more I was ruining my credit, and that if I were to take them up on their offer to repay in full and they would send a recommedation that my credit rating be swept clean. I couldn’t do that because I wasn’t working, so you can only imagine how upset I was , I had no job it was difficult to find a job, and they were still bothering. Payment stopped and they were sure enough still harassing me regularly. My mother finally got fed up and had her phone number changed and private, so that she didn’t have to get bothered all the time. So I admit, I wasn’t working so I couldn’t pay , and I loved the fact that there were no more phone calls, and I had peace for the first time. I finally began to work again, and after a year, and kept this job for a year until they found me again, I admit I didn’t pay them a dime because they got me fired and they were going to start again. This time I agreed to pay $ 200.00 a month in total, and make what I could, this way they wouldnt bother me, in addition to my payments I wanted a statement showing me my balance and what was being deducted.

Put it to you this way within 6 months of payment, every business day I got 2 to 3 calls from this agency asking for more money, even though I was submitting my payments. I had to send out a few more cheques by the end of the month and told them that I wanted to get my balance before I gave out anymore cheques so that I could follow up on the balance as well. I have never gotten a statement nor my documents. So months go by, and reliantly I continued to submit payment and they continued to nag and bother me and my other employees telling them my personal and confidential matters. My boss, hands me a letter of termination and a pay cheque to cover my warnings.

These people yet again got me fired. In Sept 2003 I was planning a wedding to my husband, I was 10 wks along my pregnancy. The phone rings at my mothers home and its yet another collection officer from CBV collections, calling to tell me that they are suing me if I don’t remit payment. I explain to them that I am not working, getting married and pregnant and don’t want to be bothered, and hang up. Shortly after my wedding we get back from our honeymoon, and I have 7 messages at my mothers residence, in which they informed I don’t live at anymore, threatening legal suit if I don’t remit payment. I called them all back, the superisor, manager and actual collection officer letting them know to stop calling my mothers house and give them my cell and home #. They never called me home until Nov 2003, when they threatened me yet again and started to say that I have responsibilities to this loan repayment and that I should have aborted my child so that I could work to pay it back and that I would never be able to have a house to raise my child in or own a home once they were threw with me, and belive it or not he even came out to say that I would nt be a good provider for my child, and that would be able to get any finances from the bank. All this comotion casued me to start bleeding and crapping, I hung up the phone to find myself in pool of blood and fluids. I was rushed to the hospital, and I thank god everyday for the baby, that she servived because I would have seeked legal action against him, his firm, and the entire bank. CBV collections and CIBC has ruined my credit rating since day 1, and never has called me to apoligize for there stupid ignorant employees.(I owe them money for this loan that I have no proof of, no documentaton and I have asked many times, written many times and still have yet to receive it. Now it being 2004 . Aug. I have a dependent and cost s of living with transportation, food etc, that I cant meet the requirements. I have received 8 calls in the last week from Mr. Shawn Peterson at CBV collections demanding me to call him and to give him my current job #, and the best part was when I asked him politely to refrain from bulling me around and trying to order me around, he asked: “are you paying in full?” then I would say no, well then I can talk to you in any way you owe the money not me”.

At this point I am not taking any of his calls. He has threatened putting a lien against the house which isn’t mine, its my inlaws and he s gone on to be simply rude and very stupid.

I can afford to pay $ 75.00, and that s not good for them, so I want them to sue me, because I have been keeping a record of his calls and conversations.

 

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eshelton View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote eshelton Quote  Post ReplyReply Direct Link To This Post Posted: 17/August/2004 at 6:10pm
In regards to credit reports, try getting a recent copy of your credit report from Equifax and TransUnion.  With the report, there will be an update form.  Use this to dispute the loan.  Your account was clearly NOT REPORTING.  You should probably send a written letter stating chronologically what has happened.  Make sure the credit bureau READS IT as I have had trouble with them sending me form letters.  They are legally obligated to have correct information on your report.  If the creditor made no attempt to contact you, that's their fault not yours.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote marija79 Quote  Post ReplyReply Direct Link To This Post Posted: 19/August/2004 at 11:18am
i have tried everything.  i have had to claim bankruptcy, so my credit wether it being good or not now, is ruined all because of CIBC and CBV Collections.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote limabeans Quote  Post ReplyReply Direct Link To This Post Posted: 23/March/2005 at 11:05am
I went to transunion about 4 months ago my credit was clean but 1 thing from fido that they never informed me about.....but i had a thing on there saying a canada student loan was paid in full owed 0 money and everything like that...next day allinace 1 called i still have credit report but they said oh we dont have that on your credit report it says you owe..i sent proof i heard only that they will take me to court with crown council.. and so on have a post in here, just look for my name..limabeans
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Hi! My name is Trish and I came across this site after being rudely contacted by NCO at my place of employment. I have a couple of questions to ask regarding this situation. First of all I was contacted at work by this woman who asked me for my address because she had something to mail to me. I asked her who she was several times before she gave me her name, she told me that it was important information form Vancouver. SHe would not tell me what it pertained to and I told her that I refuse to give my address or telephone # to anyone I do not know. I explained to her that I was very busy and needed the phone for interact payments for my customers and told her that I would call her after work. She told me that they would not be open when I was done work, which she did not know that I was done in half an hour (5pm). She finally told me the company was nco and I asked her what that was and she said a finance company and finally gave me the number.

Two days later I got another phone call from a very, very rude lady from nco. I told her that someone from her company called me the other day and that I would call them back from home after she tells me what their urgent matter is regarding. She told me that noone from nco has called me because this file is brand new from that day. I then realized that this probably had to do with my student loan and told her that yes I did receive a call from another rep and told her that I know that this is regarding my student loan and that I have been paying it for some time now, (My GST creidt and income tax goes to my loan).  She told me very rudely that this was not a student loan that it was a loan from the royal bank she emphasized the work LOAN. I told her that I have never taken out a loan besides a student loan in my entire life.Again with this one I explained that I was extremely busy (my boss is now looking at me and showing me a debit card) and needed the phone for work purposes. She continued to yell at me saying that she knows where I work and will garnish my wages if I do not want to deal with her. Everytime I told her I had to go she continued yelling at me. I had to hang up on her if I wanted to keep my job.

Now what I want to know is if they are allowed to harrass me at work the way that they are? I also would like to know if you know anything about student loans. I got my student loan 10 years ago and it was done through Royal Bank. The government has been taking my income tax and GST payments for my student loan for about 2-3 years now. Why is the Royal Bank coming after me as well??

Can they garnish my wages? I am a single mother with part-time minimum wage paying job which hardly pays my living expenses.  I would like to know these things before I call them back so that I can protect myself in some way. DO you have any advice on what I should say when I call them?

Thanks so Much,

Trish

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Post Options Post Options   Thanks (0) Thanks(0)   Quote hunter Quote  Post ReplyReply Direct Link To This Post Posted: 18/April/2005 at 2:19pm
Trish

My advice email John LeBlanc at cfwgroup@tekcity.net
Otherwise the calls will continue and so will the harassment.
He is great at handling these issues.
Or call him at 902-440-3679

And no NCN can't harass you at work. I have dealt with them and they refused to stop calling my family and work until Johnny took care of them.

Good luck
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Post Options Post Options   Thanks (0) Thanks(0)   Quote White Tiger Quote  Post ReplyReply Direct Link To This Post Posted: 27/May/2005 at 5:31pm

Okay, here it goes!!! I have 4 yes count them 4 different collection agencies after me!  I originally had an OSAP loan through my bank and then I decided to go back to school with a loan from the National Student Loan Center, because I could only obtain employment in Call Centers.  So I ended up with 2 Provincial loans equaling $8000 and 2 Federal loans equaling approximately $22,000. Ironically I have nothing to show for it because no Lawyer will take a chance on a Legal Secretary/Paralegal with no experience so all this education amounted to NOTHING!!!  Now, I had every intention of repayment, however when they all came due after my Paralegal course I realized that combined they were asking for about $500.00 a month!!! I was never aware that I would have to make those kinds of payments.  Silly me I thought that they would think of my financial circumstances you know being a single mother and all.  hahahaha!  Now I am getting calls so far from 3 of them first one was rude and condescending and quite honestly he scared me into giving him 3 postdated $150 cheques, the second was much nicer (hahaha) she at first accepted my $50 offer only to call back 3 days later to say that they cannot accept that amount if I am able to pay $150.00 to the other collection agency to which I explained to her that the first one won't be able to get that amount anymore as my Baby Bonus is going down in July by $300.  She replied that she would send me out the financial questionnaire to fill out which I am totally scared to fill out.  Now comes the third one who almost suckered me.  He is sooo nice and understanding, in fact he has even gone through something similar himself (apparently hahaha), so eventually he says that he will work with me yadayadayada...  At the end of the conversation he states what I will need from you is some kind of faith payment like a payment through your online or telephone banking even if it is only one penny because I have to send the report back by Tuesday (he has only had it just over a month with this being the first contact) and if he sends it back with no payment at all, well the HRDC may see this as a non compliance and take me to court.  The funny thing is, is that I heard a desperation in his voice (that I hadn't heard before when I was co-operating with him) when I refused to make the payment and said that filling out the financial questionnaire and sending the 3 postdated cheques should be enough.  When he kept pressing me for why I wouldn't I finally bluffed and said that I would like to consult a Lawyer before I made a payment, he was cowed and said okay.  Now every one of them tried to get me to tell them where I worked and I wouldn't tell them and after reading a lot of these stories I am glad that I didn't because I cannot afford to be getting calls at work! In addition to this all three of them mentioned the matter going to court and that I should get a consolidation loan, one of them went so far as to ask why can't you get the guy who answered the phone to co-sign and who was he to which I replied respectfully that that was none of her business.  They can be very rude!!!

Now here is the problem:  I am a mother of 2 making $2000 GROSS not take home, I live with my boyfriend (3 years) and I don't want them going after him for my debts.  It is already hard enough to keep a long-term relationship going without having to lay all of my financial hardships on him.

Now here are my questions:

1. Do I have to fill out the questionnaire’s?

2. Do the collection agencies have to accept the $50 payments?

3. What other advice can anyone give me besides hiding which is not possible with kids?

I just to let you know $2000 may seem like a lot but when your rent is half of your pay and the other half goes on food, transportation, cable, and phone believe me when I say $2000 is more like $200 because that is all I have left!  Also that is not including clothing, coats, field trips, and the $25 a week in daycare!!!  I have read quite a few stories and to be honest with some of them I have to feel quite bad because with the wages they put in their post's I really don't know how they do it.  I would like to commend those people, they are strong people!!!
Sherrylee
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Johnny Quote  Post ReplyReply Direct Link To This Post Posted: 27/May/2005 at 6:35pm

 

 

1. You don't have to do anything that you don't want to do.

 As for the financial questionnaire and statement, they are requirements set out by the government student lending sectors. If you do not want to submit one, it is not a breech in any law. However, if you refuse to comply with terms or mandates, then they can use it against you in some form or another. it is just a risk people take.

 Compliance is part of acting in good faith. Unfortunately, the third-party collection agencies involved toxify one's efforts to act in good faith by manipulation, fear installation, and the greed that feeds their hunger to earn commission dollars.

 2. For retail or "consumer" debt, third-party collectors cannot refuse to accept immediate payment offered by a debtor. However, they can refuse to accept arrangements if they determine that you can pay in full without incident or incurring hardship.

 For government guaranteed student loans (Federal and Provincial), their third-party collection agencies are not allowed to refuse immediate payment either. They are not allowed to refuse arrangements either. For Federal guaranteed student loans (CSL), if the borrower is unable to repay 3% of the principle on a monthly basis, all that is required is a financial statement substantiating one's inability to perform this payment structure.

 If it is determined that you can pay more than what you are offering, they can take action within the limitation of laws and guidelines to ensure that you repay. This would only happen if you refuse, of course.

 3. Advice is not going to solve your predicament. For instance, no medical doctor or therapist can tell you to run your keyster off for an hour a day on a treadmill to solve this problem. This problem has a "physical" presence in your life. Emotional stress and tension can be worked off. Unfortunately, the problem will still be in your face at the end of the day. The only way you are really going to solve this is to have professional assistance. In this event, the third-party sectors will have no power or control over you any longer – and their venom loses it’s potency. You are then protected – and in total control of the entire situation. This is one program that The CFW Group offers student loan borrowers.

Hiding out or bankruptcy seems to be what people talk most about. These are both very non-productive actions in most cases.

 If you would like this problem solved, give us a holler.

Johnny

 www.cfwgroup.ca

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Post Options Post Options   Thanks (0) Thanks(0)   Quote DianeB Quote  Post ReplyReply Direct Link To This Post Posted: 01/August/2005 at 11:51am

Well, I have my share of collection experiences, both student loan and non student loan related.  I find that the easiest method of dealing with the problem is a) If you owe then money, own that fact. Running is not an answer, nor a solution. My student loan folks, as an example, have been very good with me. I haven't EVER made a payment due to interest relief, and it's going on three years. Furthermore to that, they have been made aware that due to a crippling disability, I am no longer employable. They have continued to work with me regardless of that fact, and though I do receive those stupid letters from time to time, I've never run into an issue.

b) IF you don't owe the money, stand your ground!!!  One of my favorite lines with collection agents has always been: "Honey, I owe over 45K in student loans...you're small little mark isn't really going to hurt me, now is it?" They truely don't know what to say to that. Another very good technique is to ensure that you offer no information regarding yourself at any time, and demand details of the debt.  (Write them down yourself, rather than having the agency mail them out. If they mail something to you, they know where you live...not a good thing.) 

Recently, when I had a go round with a particularly nasty and unethical agency, I went onto their website to examine their affiliations. I noted that though operating in Canada, the agency was affiliated with the ACA (Amercian Collectors Association). I filed a complaint against this agency, as well as the creditor themselves with the Government of Alberta. I then contacted the ACA via email and detailed the various offenses committed by this agency. (Including giving my personal information to individuals not in the agencies employ, and having these individuals contacting my residence requesting that I phone the agency, at my cost!!!) After I filed these complaints, magically the phone calls stopped...

I had told the agency to cease all contact in written form prior to this, but they continued their harrassment. It would seem sometimes you need to go above these people's heads. Unfortunately, the agencies themselves often are more concerned with their money than with your legal rights. Remember also that knowledge is power. Do not let yourself be ignorant of the regulations governing these people.

Most importantly, always stay calm. These agents are making $22K at best in a year. They aren't these powerful men and women in designer suits looking down their noses at you. They are kids in jeans and sweatshirts, wanting to ensure they know where their next cheeseburger is coming from. You are better than these vermin, not the other way round. Laugh at them and above all, never let them destory your day. Make it a game for yourself to see how angry you can make them. (I actually got one lady so upset she yelled "Never call here again!!" I giggled and immediately replyed "Perfect, you do the same!!" and hung up the phone!) DON'T be afraid to hang up on them the instant you know who it is. YOU ARE NOT OBLIGATED TO TAKE THESE PEOPLE'S ABUSE!!! Don't let them intimidate you. Remember, most of them don't have the education, intelligence of basic moral fibre you do. Why let someone like that get you down??

D. Browning
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Post Options Post Options   Thanks (0) Thanks(0)   Quote silence2long Quote  Post ReplyReply Direct Link To This Post Posted: 02/August/2005 at 6:36am

DianeB,

I find that the easiest method of dealing with the problem is a) If you owe then money, own that fact. Running is not an answer, nor a solution.

So....does this mean that you pay them?  From the way that I read the next line it kinda sounds like you do not.

One of my favorite lines with collection agents has always been: "Honey, I owe over 45K in student loans...you're small little mark isn't really going to hurt me, now is it?"

Also from this next line......it sounds like you are running from debt.

Another very good technique is to ensure that you offer no information regarding yourself at any time, and demand details of the debt.  (Write them down yourself, rather than having the agency mail them out. If they mail something to you, they know where you live...not a good thing.) 

But this line in particular made feel like I was having deja vu......

You are better than these vermin, not the other way round. Laugh at them and above all, never let them destory your day. Make it a game for yourself to see how angry you can make them. 

Gosh..... I don't think that sounds like owning the debt.  It seems to be contradicting.

Welcome DianeB.......??

silence is a form of fear...fear of the unknown...has kept me silent too long
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Post Options Post Options   Thanks (0) Thanks(0)   Quote DianeB Quote  Post ReplyReply Direct Link To This Post Posted: 02/August/2005 at 10:27am

Silence2long

I find it interesting you jumped on me so quickly not knowing anything about me, or the situation that backstoried the post above.  You state attacked from the first line, which was if you incurred the debt, own it, to the last, relating to an incident where my ex incurred a debt in my name. (And yes, I refused to pay it. Should I have allowed myself to be held responsible for his debts?)

As far as your comments:

So....does this mean that you pay them?  From the way that I read the next line it kinda sounds like you do not.

Given that I am unalbe to walk, let alone work and writing this tirade to you has necessitated more than one break, no I am not in a financial position to pay them off. However, I remain in constant contact with NSL and ensure they are abreast of any and all new developments in my situation. Moreover, I work with the agents to apply for all aid I am eligible for, and in that I do not ever avoid dealing with this sitaution, I own my responsibilities to the utmost of my capabilities at this time.

As far as you reading into my post to discern that my words reveal a sinister avoidance of all debts ever incurred in my life, all I can say is that I wouldn't judge someone on so little information.  Given that I have, through my life in it's entirety, been an honest, loving and moral person, I found the immediate condemnation a little hard to swallow. All I was attempting to do was take something that at the time was actually rather a heart-breaking experience, and perhaps find a little good in it by turning it into something that could possibly help others. I did not expect to become the subject of anger and judgement for my efforts.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote silence2long Quote  Post ReplyReply Direct Link To This Post Posted: 02/August/2005 at 11:52am

DianeB

I would recommend that you read your post again..... because it is how you came across......as for immediate condemnation.... again read my post.... as it highlights..... what I found hard to swallow.... I can only read what you post.

As for your post in the other thread.... yes it is useful.... not to me personally...but to others possibly.

Do I post useful info. on this site.......maybe sometimes..... but probably not that often...... Do I mostly rant........ yep I do.

DO I OFFER SUPPORT.... to those who need it......Almost ALWAYS.

Just for the record......I work with people with physical disabilities and have the utmost respect for what they must endure, as well as empathy and compassion for their situation.

My own mother can be at any given time laid up in bed for days at a time to a week..... before the pain meds level her out.  Can the women work...... not in that state.  Can she go on disability.... nope she can't.  Can she pay her bills without the use of credit in these situtations.........NOPE.

DO I think that you should have to pay the 45, 000 back... well NO not unless you can work.  Should others that are given the debt sentence and cannot pay it back.... because of other circumstances, or are unable to work making a decent wage... have to pay it back.. well no to that one too.  Should people even have to pay for an education by taking out LOANS.........NO !!!!

SHOULD PEOPLE HAVE TO PAY CONSUMER DEBT..........ALWAYS.

 

silence is a form of fear...fear of the unknown...has kept me silent too long
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Post Options Post Options   Thanks (0) Thanks(0)   Quote DianeB Quote  Post ReplyReply Direct Link To This Post Posted: 02/August/2005 at 12:50pm

To make a statement that people should always do anything is erroneous, at best.  Situations differ, and sometimes *gasp* companies make mistakes in consumer matters that create a non-valid debt. To suggest that all consumer debt should be paid further suggests that no company serving a consumer makes such mistakes, or that if they do, the responsibility for the error lies with the consumer.

When I am made responsible for a debt I did not give consent for, nor for that matter been made aware of up in to the collection agency contact, I do not believe I should be willing to reconcile the matter financially.  I did speak to the agents and explain the situation, however found them to be uninterested in the reasons I felt the debt was erroneous, and far more attentive when it came to insulting my character.  Now, that was a consumer debt, however I feel completely justified in not making payment on it as it was not incurred or consented to by me!! Should that situation fall under your blanket statement that all consumer debts must be paid?

What about the single mother who's soon to be ex-husband racks up her credit card buying things for the new girlfriend? Or the single father in the same boat? Should they be made responsible for the actions of their vindictive partner? Should they allow their children to eat nothing but peanut butter sandwiches because "all consumer debts must be paid?" I'm sorry, but I fail to see the validity in your arguments.

Again, I will say if you have incurred a debt, it is your responsibility to own up to that, and rectify it in whatever way is POSSIBLE. If all that you can do is make a phone call, then so be it...at least you did that. However, in matters where one feels they are not accountable, and validly are not accountable, I do not think they should be forced or intimidated into making payments.  In these types of cases, reports should be filed with the government, which I also mentioned in my earlier post.

What you choose to read into my words is not something I am responsible for. I stand by every word.

 

D. Browning
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Post Options Post Options   Thanks (0) Thanks(0)   Quote silence2long Quote  Post ReplyReply Direct Link To This Post Posted: 02/August/2005 at 1:15pm

Islander...can we converse in one thread so we are on the same page?

silence is a form of fear...fear of the unknown...has kept me silent too long
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Post Options Post Options   Thanks (0) Thanks(0)   Quote silence2long Quote  Post ReplyReply Direct Link To This Post Posted: 02/August/2005 at 1:18pm

Ooops Sorry....seems we cannot edit in this thread....disregard above name slip.

DianeB....can we converse in one thread so we are on the same page?

silence is a form of fear...fear of the unknown...has kept me silent too long
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Post Options Post Options   Thanks (0) Thanks(0)   Quote silence2long Quote  Post ReplyReply Direct Link To This Post Posted: 02/August/2005 at 1:28pm

I stand by my words that people should ALWAYS have to pay "their" consumer debt.....

The soon to be ex-husband should not be in possesion of the single mom's credit card.  If he is then that would be an arguement for fraud.... and the appropriate measures should be taken...... in all honestly to yourself.... did you actually think that I thought that would fall under the "blanket" statement that I made.

silence is a form of fear...fear of the unknown...has kept me silent too long
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Shaymus Quote  Post ReplyReply Direct Link To This Post Posted: 02/August/2005 at 4:06pm

Hi Trish,

I had the same experience a few years ago with NCO and them calling me at my work place.  I can only speak regarding my own experience but what was successful for me was reporting them to my Provincial Department of Justice(Consumer affairs).  I had documented the phone calls and what they had said and the Agent at Consumer Affairs immediately took action and the contract was taken away from NCO.  It was a provincial loan but if this is a federal loan you can report them to the HRDC and they may handle it for you.  I had to report my federal loan collection agency as well and HRDC immediately handled it for me and were very pleasant about it.  I wish you  much luck.

Shaymus

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Post Options Post Options   Thanks (0) Thanks(0)   Quote Mersan Quote  Post ReplyReply Direct Link To This Post Posted: 02/August/2005 at 9:14pm
Silence not to be too picky here but consumer debts are dischargeable.  Student loans are not.  That would seem to be the issue.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote silence2long Quote  Post ReplyReply Direct Link To This Post Posted: 02/August/2005 at 9:57pm

Mersan I know that consumer debts are dischargeable if one should decide to go bankrupt.... but I believe that the system is a little mixed up.  People who desire an education to improve their skills and obtain a higher paying job/career are sucked into the system.... and more often then not... unknowing what they are getting into.... and they cannot discharge that ???

Consumer debt..... people know when they sign on the dotted line for that new DVD player or those Tommy jeans... or that vacation on their credit card of choice exactly what they are doing.... or overspending at Christmas... or using one to pay the other.  I feel that if one dodges these debts...they have no intentions of paying the student loans.

silence is a form of fear...fear of the unknown...has kept me silent too long
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