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And this is why they are bastards.

When I got my student loans consolidation papers, I was a good girl and I called them. I explained my desire to keep some of my money, and not spend it all reducing my debt, as I was planning on going back to school in September, I asked the nice boy on the other end: "What's the lowest monthly payment I can make and stay within the amortization period?"

And he said: "Twenty-five bucks. Write us a letter telling us why."

And so I did.

Three weeks went by. During this time, the BC loans people ignored my request for monthly payment reduction, found it, made me re-send it due to my having sent it to the wrong number (that they gave me), rejected it, didn't tell me they'd rejected it, and then deducted a hundred bucks from my account on Friday. All this before I even signed the consolidation form, and also before breakfast.

I called them back, and got a woman who was not only just barely functional in speaking the English language, but decided, approximately fifteen seconds into the conversation, to be shirty with me. My favourite line was: "So do you want to pay less, or just not pay at all?"

And now, I'm filling out an application for interest relief for my provincial loans (which should kill my payments for six months, by which time my credit cards should all be paid off, because damned if I'm going to spend the eight months I'm out of school with a hundred bucks monthly for food if I don't have to), and there's this little box that says "Gross Monthly Income." Where it wants to know how much I make per month.

There's also a little box that asks if I'm also repaying federal loans, and if so, how much per month.

There is, I am interested to note, no little box asking for "monthly amount for rental payments," "monthly amount for utilities payments," or even "monthly amount for payments intended to alleviate four thousand dollars of credit card debt accumulated due to insufficient government funding."

All they want to know is how much I'm paying in other loans. And whether that amount, when subtracted from my income, leaves enough to make as big a monthly payment as they deem fit.

Because clearly, I couldn't possibly need to spend money on anything else.

And then they made me hunt around on the BCSL website for fifteen minutes just to find the correct address for the forms.

Which then crashed my computer.

*builds mail bomb*


( 4 comments — Leave a comment )
Dec. 4th, 2006 09:10 pm (UTC)
Ugh. The BC loans people are impossible. They got mad because I didn't change my address on a website I have never once had to use so it took 3 months to get my damned agreement.
Dec. 4th, 2006 11:20 pm (UTC)
What pisses me off the most is that after they lost, found, and rejected my request to lower the monthly payments (which was rejected, apparently, because it took me one month outside of the maximum amortization period), they didn't call me, e-mail me, or send me a letter, which they're required to do for any change in my repayment status (and I think this qualfies) and then went ahead and took money out of my fucking bank account anyway.

Canada loans at least lets you decline automatic payment and lets you do it yourself. Fuck. Who wants to leave hundreds of dollars in a chequing account with no interest, when the government is always three days late debiting/depositing stuff, and then does it retroactively? What the hell? o.O
Dec. 5th, 2006 05:22 pm (UTC)
I'm grateful that the only bit of information they failed to inform me of was that I got a loan reduction last year and don't have to pay as much as I thought. Good news yes, but it would have been nice to have known that ahead of time.

I love how because they're the government they don't seem to be subject to the usual rules of loan repayment. Like for example that they can take money from you before you've signed anything.
Dec. 5th, 2006 04:45 am (UTC)
*big hugs*
( 4 comments — Leave a comment )


Chandri MacLeod

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