Collection Agencies - No pay-for-delete? - Canada

a good place to talk about links

Thanks to the contributors of this site

Postby montyloree » Mon Feb 14, 2011 04:27:21 AM

The aim of the forum is to help people by discussion.
Unfortunately we don't have university trained "collection agency" gurus here... this is all school of hard knocks info here. Myself included.

We should appreciate the time people give here to help others.. without people volunteering their time and knowledge, there wouldn't be much help offered here...

As such, we have to get used to each others personalities...

Thanks to those who contribute on this forum... it's much appreciated by myself and the thousands of people who visit the site each month looking for answers.

There are many thousands of people who visit the site each month and don't contribute.

(I would like to contribute more these days... unfortunately my roll now is more to maintain and build up the site's software and mechanics)
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RE: No pay-for-delete?

Postby halifax111 » Mon Feb 14, 2011 03:32:36 AM

Danielbl,

Just so I understand, you don't think I can progress on American Idol?
You've crushed me.
My opinion is that unfortunately you self appointed guru's on here get carried away with yourselves.
Here's a quote for you "In the country of the blind the one-eyed man is King"
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RE: No pay-for-delete?

Postby DanielBl » Sun Feb 13, 2011 10:02:49 PM

Oh well, I got 3 out 4 pretty close anyway. Granted, I should have looked it up.
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RE: No pay-for-delete?

Postby gordonsd » Sun Feb 13, 2011 08:04:19 PM

Daniel-- Now I am the one who insulted him?? I think you ought to re-read this thread. And I don't really see how this discussion was anything like the American Idol auditions you describe. I've explicitly stated the limitations of my knowledge and that I am here for help...

Monty---

"Sorry..............................NO OPTIONS ARC will show this account as a Collection Account and it will stay on your Credit Report for 6 years. That's the penalty one must pay for defaulting on a student loan."

Helpful and constructive...

"You are not in school anymore where you get lots of chances to redeem yourself. You're playing with the "big boys" now. They don't fool around. Welcome to the real world."

Presumptuous, patronizing, and unhelpful.

Not the atmosphere I was hoping for at all. If I desired to be spoken to as if I were some sort of delinquent, disobliged and ignorant adolescent, I'd have had this conversation with the collection agency.

I definitely won't be back to Canadian Money Advisor...

Daniel, for your interest...
http://www.xenodochy.org/ex/quotes/knowsnot.html
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RE: No pay-for-delete?

Postby DanielBl » Sun Feb 13, 2011 03:32:46 PM

Yes, that is what Footloose was trying to do, wasn't it?
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RE: No pay-for-delete?

Postby montyloree » Sun Feb 13, 2011 03:16:00 PM

Please keep the conversation constructive folks... we're here to help each other...

Thanks,

Monty Loree
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RE: No pay-for-delete?

Postby DanielBl » Sun Feb 13, 2011 02:49:36 PM

"Gordonsd" and "Halifax111," you know who you remind me of when you insult Footloose that way? Kind of like those characters auditioning for American Idol, who were under the impression they could sing but really couldn't carry a single note. When Simon Cowell told them the truth, they couldn't handle it and started calling him every name under the sun. One vexed girl even tried to throw a glass of water at his co-judge in the British version.

The impression left is that not only is the person without talent, but far worse, they have an ignorance fed by defiance, arrogance and pride; and what invariably accompanies those three character flaws: self presumption and blindness. Those traits accompany one into a career, irregardless of how well one does at school.

To shed some "daylight," there's a philospher ( I don't his name or if this is the exact quote) who once said

He who knows not, and knows that he knows not: shun him; he who knows not, and knows that he knows not: lead him: and he who knows, and knows that he knows: follow him.

As an addendum, a lot of people criticize Cowell for being insulting and rude. However, whatever one's impression is of him, I've NEVER seen him tell someone they couldn't sing who actually could. If anything, he's always been more than fair in that department.

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RE: No pay-for-delete?

Postby gordonsd » Sun Feb 13, 2011 11:30:11 AM

Bearer of bad news??? Well, first of all, I'd like to point out that I WAS (past tense) grossly misinformed about student loans, and for which I take responsibility. I think I indicated this clearly. Perhaps you were too busy formulating your next self-indulgent supercilious post to bother reading mine.

Secondly, congratulations to you for your prestigious career history-- I find it curious that you bring it up though, as at no point did I question your authority on the subject of student loans. I was attacking your stereotyping of me.

Thirdly, my questions in this thread were regarding collection agencies and credit reporting, not student loans, and thus I found the post you directed me to neither interesting nor informative.

Fourthly, though it is POSSIBLE you have been on this planet longer than I, that does not justify rude and condescending comments towards a person that you, really, don't know anything about.

And lastly, Professor, you spelled "daylight" incorrectly.

Isaiah 5:21
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RE: No pay-for-delete?

Postby footloose » Sat Feb 12, 2011 10:26:50 PM

I hate to be the "bearer of bad news" but you are grossly misinformed about student loans and the repayment thereof.

As a retired businessman, lecturer and university professor I think I know a thing or three about students and student loans.

<<< ...I was under the impression that I wouldn't have to pay back my loans until after I graduated ( misunderstanding that is widely spread ) >>>

If this is a misunderstanding that is widely spread, that tells me that students don't bother to read the "rules" BEFORE they borrow money for their student loans. And even if they did read the "rules", they don't seek clarification for those "rules" that they don't understand.

The information and documentation is daylite clear. A student is required to begin making payments on his/her student loans 6 months after they cease FULL-TIME attendance at a post-secondary educational institution, NOT AFTER GRADUATION. Attendance at a post-secondary educational institution on a PART-TIME basis does NOT qualify as FULL-TIME attendance, hence payments must now be made on the student loan.

Please see my blog 4090 written on February 3, 2011 in response to a question raised by an ex-student who was being chased by the same collection agency that is after you. Go to Member Posts, look down the list for "footloose", and look for Post 4090. I hope you will find the post interesting and informative.

Oh, by the way, I've been on this planet for three score and ten plus years ( if you read your Bible, you'll know what "score" means ) and with my background and experience, I think that qualifies me to comment on your situation.

-----------------------------------------------------------------------------------------------------------
Educating one Consumer at a time
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RE: No pay-for-delete?

Postby gordonsd » Sat Feb 12, 2011 07:38:14 PM

Thanks for the information, but there's no need for the patronizing attitude.

For your information, I am still in university. Due to academic reasons I got cut off from OSAP. As a result I started working two jobs so I could afford my rent, books, tuition etc. So I could only take one credit per term since I was working full time. I was under the impression that I wouldn't have to pay back my loans until after I graduated (misinformation that is widely spread).

Since I was only a part-time student, my loans went into repayment status. Due to my own fault, my address information with NSLSC was not updated and I stopped receiving correspondence from them, which I was not expecting because I hadn't gotten OSAP in a while. Long story short, I missed payment after payment until I eventually defaulted.

I am a "big boy", and understand perfectly how the "real world" works with the exception that I lack experience with credit reporting agencies. I take full responsibility for my situation. I would suggest to you that maybe YOU should GROW UP and not condescend and pre-judge a person's character of which you have no knowledge. You don't know me-- so spare me your smug presumptuous remarks. Welcome to the real world??? For all you know, I could very well be older than you! Good day!
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