From the beginning of this year to April 19th I was unemployed. Big deal. That happens a lot in the trades. If I had stayed as a librarian the situation would be pretty much the same if not worse. Fine. Not a problem. However since I was off so much the previous year I ran out of Employment Insurance (EI). Great. So I called the student loan people to get some relief. Thus started the months of FAIL.
Let me start off by saying that the National Student Loan Center (or whatever their apparently privatized operations are called) have been great.
CIBC? Not so much.
Apparently somewhere in the past I never signed a piece of paper saying I would be repaying these loans. Despite the fact that I have been paying them for eight years everyone needed proof that I wasn’t a deadbeat. The national center’s forms came and went. I hear nothing.
I call in to find out that they are waiting for CIBC to give them a piece of paper. I call CIBC. I need to sign papers for them too. Fine. Whatever. I’ve only been paying it for ages. Give me the paper.
I send it in and find out that one of them wasn’t signed two weeks later when I get them back in the mail. Sighing I sent them back.
Then CIBC started their phone calls trying to get me to call them. I call and get a woman who is quite annoyed when I say that I’m returning their call. She checks the computer and tells me I haven’t paid lately. I tell her that I applied for the interest relief/not-paying for a while program. She tells me they haven’t received the paper. I tell her that I sent it in last week. She says she will mark it down on the computer (all of this very begrudgingly I’ll add).
A week goes by. CIBC starts calling again. I call them to find out that they haven’t received word from the government and why haven’t you paid. I tell them that the government is waiting for them to send a form. Skippy checks the file and finds out that, yes, the government asked for the form and they will send that out at some point.
Today I get a letter from the government saying that I owe them money. I sigh and call to find out that CIBC never sent over the damned form and as a result my application was canceled would I like to reapply? I ask for all the information I need to yell at CIBC (saying over the phone that I will indeed yell at them) and proceed to work out that my next regular payment will cover the interest from the last two missed payments and they will call it a day adding another two payments to my overall account.
I call CIBC ready to yell and am on hold. Surprise. I get a message saying there is a high volume of calls. Well duh, I’m on hold I expected that. I get another voice telling me that if I would like to leave a message they will call me back within the next 24 hours if I press 1 now. I don’t press it because they’ll be calling me anyways and I want to rant at a real person. The next thing I know I’m listening to another voice telling me to leave said message and they will get back to me. I don’t want to leave a message you incompetent morons. That’s why I have a fucking book in front of me. I’m expecting to wait for an hour.
So now I get to spend my weekend hopefully getting hold of someone but not being certain I will because it’s, surprise, the weekend.
The sooner I can be rid of these ass-clowns the happier I will be.