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ICBC may withhold licence for outstanding court fines, student loans in default

drummer4now

By drummer4now
in Off-Topic General

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drummer4now Canucks Second-Line

drummer4now

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The provincial government has proposed legislation to expand ICBC's ability to refuse driver's licences to those in debt.

The insurance company is already able to withhold licences from people who owe money, such as toll fees, but the new bill — if passed — would be a "last-resort measure" to collect on outstanding court fines or student loans in default.

Zachary Crispin, the chairperson of the Canadian Federation of Students B.C., said the proposed change is troubling.

"Missing a student loan payment, or paying late, might warrant a telephone call, but certainly not the loss of your driver's licence," he said.

Crispin said B.C. charges the highest rate of interest on student loans of any province, and according to the government's own figures, half of all B.C. graduates leave school in debt.

He called the proposed legislation both unhelpful and unnecessary.

"If we take away people's driver's licences because they're having a hard time paying back their student loan, they're going to lose their jobs. And that means they're going to default more often," he said.

"So the government is essentially ensuring that people are going to lose their jobs, because they're already having a hard time paying down their student debt."

The province said it will give people 30 days' notice before getting ICBCinvolved, after warning letters have been sent and debtors have had time to comply voluntarily.

"The refuse-to-issue provision is a last-resort measure to collect on outstanding debt," said Brennan Clarke, a spokesperson with the department of finance. "It will only apply to student loan borrowers whose accounts have been out of good standing for more than a year."

He added that unpaid court fines that are more than 120 days overdue could also be subject to the refuse-to-issue tool.

http://www.cbc.ca/news/canada/british-columbia/icbc-may-withhold-licence-for-outstanding-court-fines-student-loans-in-default-1.2974821

Another reason why government affiliated monopolies are bad..

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BanTSN Canucks First-Line

BanTSN

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I've been to court. I've seen people without licences just go back to court over and over again. They don't give a damn about not having a licence. They continue to drive. Pretty sure they don't give a damn about outstanding loans either.

How do you beat people like that? Throw them in jail? Well, they're not in jail.

The system is designed to bleed those who are responsible to feed those who are not.

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:D Canucks Star

:D

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I've always hated ICBC being used as a debt collector, but:

"So the government is essentially ensuring that people are going to lose their jobs, because they're already having a hard time paying down their student debt."

This is a very stupid thing to say and undercuts the support I have for this.

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Ghostsof1915 Canucks Hall-of-Famer

Ghostsof1915

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The entire point of ICBC was to ensure everyone was able to obtain insurance so we didn't have people driving without it. ICBC should not be a debt collector, their one job is to insure people. ICBC being assholes as usual.

More like the Provincial government is using ICBC as a debt collection agency. I'm pretty sure the executives at ICBC, the last thing they want is to be collecting non-auto related debt. Maybe if government worked to provide cheaper post secondary education, that might have a better results for the economy? Doesn't an educated workforce usually make more money? More income, more taxes for the government coffers.

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etsen3 Canucks Second-Line

etsen3

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Just another way students are screwed over. Not only are tuition and books sky high, but they're gonna make it even harder for many students to get a job and actually pay back their debt, especially ones who work in remote areas.

What's next, BC Ferries won't let you on board if you have unreturned library books?

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Offensive Threat Canucks Third-Line

Offensive Threat

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More like the Provincial government is using ICBC as a debt collection agency. I'm pretty sure the executives at ICBC, the last thing they want is to be collecting non-auto related debt. Maybe if government worked to provide cheaper post secondary education, that might have a better results for the economy? Doesn't an educated workforce usually make more money? More income, more taxes for the government coffers.

Regardless of how low priced they make post secondary education the philosophy and history grads are gonna have a tough time paying it off. and by "Making it cheaper" you mean increasing the burden on the taxpayer. We are taxed enough thanks.

I dont like seeing ICBC being used for this type of debt collection. outstanding tickets or toll charges sure but theres limits they are crossing.

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McMillan Abbotsford Prospect

McMillan

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Because the people of BC felt that they were being treated unfairly by private insurers so the government of the day said "to hell with this" and created ICBC to provide insurance to everyone. ICBC is actually a really good system when you compare it to what's out there. If you have a spotty driving record you could go through hell getting insurance. With private insurers they can rate you based on age, sex and many other things. ICBC isn't allowed to.

Is ICBC perfect? God no but it's not nearly as bad as what people make it out to be.

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sam13371337 Abbotsford Star

sam13371337

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Because the people of BC felt that they were being treated unfairly by private insurers so the government of the day said "to hell with this" and created ICBC to provide insurance to everyone. ICBC is actually a really good system when you compare it to what's out there. If you have a spotty driving record you could go through hell getting insurance. With private insurers they can rate you based on age, sex and many other things. ICBC isn't allowed to.

Is ICBC perfect? God no but it's not nearly as bad as what people make it out to be.

Typical scare mongering, and government agency talking points trying to justify their useless existence...

I have had the experience of both ICBC and private insurance and I can tell you private insurance beats the hell out of ICBC...

First off, if someone has a "shoddy" driving record (Is a horrible driver getting into accidents) why should they be subsidized by good responsible drivers? If you cant drive for s**t, then pay the higher premiums or take transit..... someone else shouldn't pay for your incompetence...

Secondly when you actually have choice and competition, private insurers actually compete for your business... one phonecall can reduce your rates, One threat of switching companies makes them bend over to keep you as a paying customer.. What motivation does a monopoly like ICBC have to do that?? no wonder they are consistently ranked as one of the worse automobile insurers by their own customers...

ICBC is absolute garbage... anyone who has dealt with ICBC and private insurance first hand can tell you that.

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