What is Tricura Canada?
Tricura Canada Inc. is a Canadian collection agency that contacts borrowers behind on student loan payments held by the National Student Loans Service Centre.
The company is part of the Finastra group and operates from Mississauga, Ontario.
Why is Tricura Canada calling me?
If Tricura Canada is reaching out to you, it means your Canada Student Loan or provincial student loan account in Canada is overdue. The NSLSC has flagged your account to discuss the issue.
Don't provide personal information until you verify the call. Visit the National Student Loans Service Centre and sign in through your My Service Canada Account, or call the NSLSC at 1-888-815-4514.
Tricura Canada phone numbers
These numbers are commonly associated with Tricura Canada:
| Phone number | Type |
|---|---|
| Main |
Some numbers are submitted by users. We call to verify each one and recheck periodically, but numbers can change.
If you receive a call from a different number claiming to be Tricura Canada, verify the debt in writing and confirm the details before paying.
Who does Tricura Canada collect for?
Tricura Canada's known client is the National Student Loans Service Centre. The NSLSC is the federal body that administers Canada Student Loans and the integrated loans for Ontario, Saskatchewan, Manitoba, New Brunswick, and Newfoundland and Labrador.
If Tricura is contacting you, the call relates to a federal Canada Student Loan or an integrated Canada-provincial loan held by the NSLSC. Alberta, Nova Scotia, and Prince Edward Island run their own provincial loan programs outside the NSLSC system.
Tricura's role is pre-default contact. They speak to you while the loan is still with the NSLSC, before it gets transferred for harder collection.
Source: Government of Canada – Repay a student loan: Can't repay
Companies that use Tricura Canada for debt collection
Submitted by consumers. We try to verify these reports but cannot always confirm them.
Know another company Tricura Canada collects for?
Does Tricura Canada handle defaulted student loans?
No. Tricura Canada handles pre-default contact only. Once a Canada Student Loan misses payments for 270 days, or nine months, it falls into default and gets transferred from the NSLSC for collection.
The federal portion of the loan goes to the Canada Revenue Agency. The provincial portion of an integrated loan goes elsewhere depending on the province. In Ontario, defaulted OSAP debt is sent to a private collection agency. In BC, the BC portion goes to Revenue Services of British Columbia.
Once your loan defaults, Tricura is no longer involved. To bring a defaulted Canada Student Loan back into good standing, contact the NSLSC at 1-888-815-4514.
Source: National Student Loans Service Centre – Stages of a Student Loan
Is Tricura Canada a legitimate debt collection agency?
Yes. Tricura Canada is a real federally incorporated company contracted by the National Student Loans Service Centre. Their toll-free number is 1-866-788-0288, and the automated greeting identifies the company as acting on behalf of the NSLSC.
Always verify independently before sharing details. Contact the NSLSC at 1-888-815-4514 or sign into your account at the National Student Loans Service Centre.
Will Tricura Canada affect my credit score?
A collection account from Tricura Canada will severely damage your credit score once it's reported to Equifax or TransUnion.
It stays on your credit report for 6 years from the date of your first missed payment, known as the date of first delinquency. Paying it won't remove the mark from your credit file but updates the status to paid, which looks better to future lenders.
Source: Equifax Canada – How long does information stay on my credit report
What to do if Tricura Canada calls you (step by step)
How to stop calls from Tricura Canada
Sometimes, you can stop collection calls from a collection agency by sending a cease and desist letter. Once Tricura Canada receive it, they have to stop calling. The debt doesn't go away, and they can still take legal action. You can use our cease and desist letter templates.
Provincial law doesn't give you this right in Manitoba, Saskatchewan, Newfoundland and Labrador, Prince Edward Island or the Yukon.
Regardless of province, if the debt's on a loan, line of credit, or credit card, send the letter by registered mail under federal law. Federal law is the only law in Canada that also stops an original creditor's in-house collectors, not just a collection agency. You can send it to your original creditor and its collection agent, a collection agency or a law firm.
If Tricura Canada is making collection calls to you from its Ontario location, then you can send a cease and desist letter available under Ontario's law.
Restrictions on calls to your workplace
Many provinces and territories place restrictions on collection agencies when they attempt to call you at your workplace.
Has Tricura Canada faced regulatory action?
Yes. As of May 7, 2026, Tricura Canada Inc. is on Ontario's Consumer Beware List. The Ministry of Public and Business Service Delivery imposed terms and conditions on the company's collection agency licence for non-compliance with the Collection and Debt Settlement Services Act.
The action restricts how Tricura can operate in Ontario, but the licence remains active. The Ontario filing lists the company contact email as Tricura.Licensing@Finastra.com, which confirms the Finastra ownership.
Source: Government of Ontario – Consumer Beware List, Tricura Canada Inc.
How to file a complaint about Tricura Canada
In Canada, debt collection is regulated province by province, not federally. The rules ban harassment, calling outside set hours, discussing your debt with your family or employer, and threatening legal action they have no intention of taking.
Source: Government of Canada (FCAC) – Debt collection: know your rights
If you think Tricura Canada is breaking any debt collection or privacy laws, contact the consumer protection authority in your province.
Before making a written complaint, document the dates and times of contact, the phone number used, what was said, and copies of any emails, letters or texts.
Some consumer protection agencies regulating the conduct of collection agencies will not process your complaint unless you first send a written complaint to the collection agency summarizing the conduct in question and making a request for remedial action.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.
Legal Name
Tricura Canada Inc.
RepayAssist Canada Corporation
People sometimes search for this agency under slightly different names or misspellings. These are the most common variations we see.
Tricura Canada Incorporated
Tricura Collections
