Risk portion on '94-'96 OSL Loans to BNS

[Annie]

I had close to $27,000 in student loans that went into collections for a number of reasons. The loans were through BNS - there is a sidebar story to this, but I will put this later. Anyway, I paid off what I thought was all my debts through credit counselling from '99 to '08, and received confirmation that everything was paid. I now have a mortgage, two healthy credit cards. I was contacted this week from a collection agency that says I never paid the Risk Portion of the OSL that was held by BNS and the $6000 is now $14,000????? There were three different loan amounts showing up on my credit counselling payments, but the manager there says she doesn't think that I paid that portion. I don't trust the credit counselling records as they were a bit sketchy at times and I seemed to change account reps every six months, for ten years.

Anyway, the collection agency is telling me now that they were just assigned the debt in Dec. '08, and that it was last attempted collection in '06. I remember BNS showing up on my credit counselling payments at the beginning of my payments, but it changed to a different collection agency TCH I think. Anyway, I am being told that I owe this 14K after paying about $16k in interest already on my OSL and CSL.

This amount is not showing up on the Transunion report I just pulled, everything on that is paid as agreed, paid by arrangement, paid in full.

How do I prove that I don't owe this anymore? I believed that I paid everything, I trusted the Credit Counselling people to take care of all of this and now, after only one year sleeping easy after 15 years of credit hell, I am back with collection calls again.
Help!

Sidebar: I qualified for interest relief in 1996, when i graduated, and thought that I was in the six month relief period, but in fact, I was already in default because BNS had not bothered to contact me. They said I moved without letting them know, and then I sent them a copy of a cheque from my BNS chequing account, with my new address on it. I had updated my address and received new cheques as soon as I moved but the lazy ass person doing student loans had not bothered to look at my current bank account information. I know she got into big trouble when it was revealed what had happened, but in my youth and inexperience, I did not fight for them to restore and get what I should have.