Send a registered letter to their office stating that you do not recognize the debt they are calling about. Instruct them they have 30 days to provide any and all supporting documentation, and all correspondence regarding the account is to be via mail. Then they can not harrass you via phone.

How do you go about and cut all communication with them. Since I last posted this, they have called me at work 3 times(and I have clearly told them not to do so) and have left numerous messages at the house. One of my calls with the famous Robert, he had the guts to call me bullheaded and to stop running from it. Is my best bet to call them back every time they call me and tell them over and over again that I don’t owe them the money? Do I tell him to go ahead and bring me to court? Do i mention the SOL to them?

My bureau has been requested, I should be getting it in a few days. Again, I have not acknowledge the loan on the phone or in writing.

What else can I do ??

Any clarification would be appreciated

Thanks for the info, they called again last night and are getting more and more sarcastic when they are leaving messages. Because i lived in New Brunswick when i took out the loans and only moved to alberta 5 years later i wasnt sure if i had to go by Alberta or New Brunswick laws. The last payment is well over 6 years. I will definitly check my credit bureau to see if they have tried to add the debt back.

Thanks for the info again
K

If you’re in Alberta the statue is two years or six. If the last payments on these debts are over six years old then your considered stats barred. I would cut off all communication with any creditor or collection in the future. I would also do a credit check with both agencies to make sure these debts are no longer showing in your file.

Hello everyone

I started getting calls from Global Credit at the beginning of March re a loan owed to the BNS re a loan i took when i lived in New Brunswick. I am being informed that i owe about $21000 and the last time I made a payment was december 19, 2001. I informed the collector that as per HRSD my loan is PIF because I just finished paying them off. The loan was with NCO and after dealing with there collectors, I called HRSD to find out that I only had a balance of about 400.00 and paid it off. They keep telling me that it is a different loan, the Federal Portion. Now that Global Credit is calling, I contacted HRSD again and they keep on telling me that I am PIF and sent me proof but the agent did say that there might be a **Risk Portion** and that would be what Global is trying to collect.

Global Credit keeps on calling daily re this loan and I have told them constantly that I don’t owe this money and for them to send me proof, a contract…something. Well today, I received a copy of the contract that I signed dating from 92 till 96 and it’s the Canadian Student Loan Program form and the dates are from 92 till 96. Now after reading all the information possible on this site, would this loan still be owed of could fall under the Statute of Limitation?

I have not acknowledge the loan on the phone or in writing. The only thing I requested from them was proof that I have that loan to see if it was the loan that I have paid out to HRSD and still I cant clarify this. Would this loan be considered the Federal Portion of the loan. I don’t want to sound stupid but when I signed those documents, I hadnt realized that they where going to be split up and for them to contact me 9 years after the last pmt made of dec 19, 2001 and demand payment is crazy.

If this is the risk loan, does that mean the debt is unenforceable via court and no judgement can take place?

Any clarification would be appreciated.

Thanks
kelbrahami