Canada-Ontario Student Loan - enforceable without signature?
Now I am receiving notices of arrears for the second loan they split off. Currently, I am being told that this is due to system maintenance and I am to disregard these notices. However, between these notices and other issues with the National Student Loan Service, I know they make mistakes and you pay for the error.
Since they rarely sue, just garnish your taxes refunds and wages because they're government and can work with CCRA, I don't think I'd ever truly get a day in court over the issue if pursued. Can they make me pay back this second loan for which I never signed an agreement? Can they garnish my taxes and wages without an agreement?
That's what's happened: I never expected to not pay back my loans and I signed an original agreement to pay back everything plus interest. They came to me and offered a Revision of Terms, reducing it to only a 1/3rd of the original amount, plus interest. I don't dispute that I took the money, nor had I ever asked or intended to not pay it back. However, what fool wouldn't take the offer? Besides, I actually did it under threat: if you don't sign, they write you off as having defaulted even if you have been paying or otherwise making arrangements!
As for the second loan, what's the benefit? They did it to pay off the f