As a Canadian citizen I can se the need for thorough random inspections, however, handcuffing you and your husband and refusing any comunication whatsoever is in my opinion uncalled for.
I understand the need for strict confiedntiality, but there is no information leaked in an apology...
Here are some people who are also having problems with this "company".
http://www.debtconsolidationcare.com/collection-agencies/index.html
Scroll thorugh, youll find MANY issues with these types of loans.
See if you can get a main floor apartment. Dont forget, the people downstairs are paying rent as well. Its probably alot louder than you think for the tenants below you.
Id just be honest about all that happened while you worked there - although being a wistle blower can be just as bad if not worse. Youre stuck between a rock and a hard place my friend.
Can the bank trace the origin of the transfer? If the files go back to before the date you were hired maybe you can prove they were scammers beforehand? Maybe call some of their clients and get info on missed payments :confused: There has to be a way to figure this out if what you say is...
Again... the labour laws dont protect anyone. A simple lie can screw your life up and theres nothing you can do about it except keep on paying through the nose in taxes for these people to screw you.
Once again, employers have no rules to follow. Did they even have proof that money was stolen - probably not. Can your husband collect employment insurance because they technically fired him - probably not. It drives me nuts that employers can do whatever they want to whomever and have noone...
They wont report to the credit bureau that youve paid every month on time and in full. Phone companies only report if its going to screw you - even if you dont owe any money or ever even had an account with you.