1) Naming: consumers are able to identify and understand their legal rights as debtors;2) Blaming: consumer complaints are enforced against collection agencies/debt collectors in breach of the CAA regulations; and3) Shaming: collection agencies that employ unfair, unlawful and unethical tactics are exposed as scofflaws and are subject to fines and possibly license suspension or revocation.
Getting harassed, threatened or berated by someone on the phone who probably also doesn’t pay their bills on time is nothing newAfter all, anyone who owns a computer and has internet access can find information about their legal rights from the helpful Ministry of Government Services website: Your Rights When Dealing With Collection Agencies (see backgrounder here)
Based upon the Ministry’s statistics above, some collection agencies/debt collectors are not getting the message about the new “Rules of the Road”. So, as a public service, I will endeavour to assist those in the debt collection industry who still think that the law does not apply to them, by using a case study of one particular collection agency that really, really, really needs to revise its debt collection notice letter.
Here is the text of the demand letter (the name and account information of the consumer/debtor have been removed):
Contact Resource Services Inc.,
P.O. Box 47009 2225 Erin Mills Parkway
Mississauga, Ont. L5K 2P0
PHONE: 1-800-673-2203 FAX: 905-403-1410
A National Collection Agency
ACCOUNT IDENTIFICATION
“RE: ________ CREDIT CARD
AMOUNT OUTSTANDING: $xxxx.xx
COLLECTION REFERENCE: __________
ALTERNATIVE REFERENCES:______________Dear ____________:
THIS LETTER IS TO INFORM YOU THAT CONTACT RESOURCE SERVICES INC. RECENTLY PURCHASED YOUR ________ CREDIT CARD ACCOUNT. WE WOULD LIKE YOU AN OPPORTUNITY TO SATISFY YOUR ACCOUNT. YOU CAN DO SO BY CHOOSING ON THE FOLLOWING OPTIONS:
PAY $xxx.xx IN FULL SATISFACTION OF YOUR ACCOUNT; OR
MAKE CONSECUTIVE MONTHLY PAYMENTS OF $xx.xx, AND WE WILL DELETE THE ENTIRE INTEREST BALANCE OF $xxxx.xx; OR
CALL OUR OFFICE AT 1-800-673-2203 TO DISCUSS OTHER POSSIBLE ARRANGEMENTS.
IF YOU CHOOSE ONE OF THESE OPTIONS, YOU MUST DO SO ON OR BEFORE 2010/07/12. PLEASE CALL US WITH ANY QUESTIONS YOU MAY HAVE REGARDING YOUR ACCOUNT.
SINCERELY,
CONTACT RESOURCE SERVICES
1-800-673-2203″
But wait, there’s more. In slightly smaller but no less imposing capitalized font, the demand letter reads:
UNLESS YOU NOTIFY THIS OFFICE WITHIN 30 DAYS AFTER RECEIVING THIS NOTICE THAT YOU DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF, THIS OFFICE WILL ASSUME THIS DEBT IS VALID. IF YOU NOTIFY THIS OFFICE IN WRITING WITHIN 30 DAYS FROM RECEIVING THIS NOTICE, THIS OFFICE WILL OBTAIN VERIFICATION OF THE DEBT OR OBTAIN A COPY OF A JUDGEMENT [sic] AND MAIL YOU COPY OF SUCH JUDGEMENT [sic] OR VERIFICATION. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS OFFICE WILL PROVIDE THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF REQUESTED BY YOU WITHIN 30 DAYS FROM RECEIVING THIS NOTICE.” [emphasis added]
The debt collection letter then concludes with an easy-to-use detachment for Bank use or to return this portion with a cheque or money order payment. Responsible blogging requires due diligence and fact-checking. Background checks and a Google search yields some key information:
1. CRC is an Alberta corporation (but likely has an extra-provincial registration in Ontario), and is self-described as a “National Collection Agency”;
2. CRC is owned by one, Michael A. Cornale, Sr., of Mississauga, Ontario, Canada;
3. Mr. Cornale, Sr. is, coincidentally, a Past President, (1981-1982) of the International Association of Commercial Collectors, Inc.;
4. CRC is a popular topic of discussion on the Canadian Money Advisor forum: http://www.canadian-money-advisor.ca/company/2976.html;
5. Mr. Cornale, Sr. also operates another debt collection agency, Corporate Recovery Services Ltd. in Alberta;
6. In 1999, Mr. Cornale Sr., on behalf of his Alberta company, pleaded guilty to breaching the Alberta Fair Trading Act and provided an Undertaking to the Alberta Director of Fair Trading, which contained an agreed statement of facts that he used unlicensed collectors who also misrepresented their identities (including, in one instance, misleading a consumer that she was calling on behalf of Rogers Cantel legal department), both in writing and over the phone.
The Alberta Director of Fair Trading also issued a Cease and Desist Order against CRC on August 8, 2005 for misleading letters to debtors.
Here’s the bottom-line. This collection letter from Contact Resource Services Inc. is deceptive, misleading and likely constitutes unfair trading practice. If anyone receives such a notice they should immediately report it to the Ministry of Consumer Services.Here’s why. When an institutional creditor, such as a credit card company, writes off a credit card account debt (also known as a “charge-off”), it does so on the basis that it has determined the debt is uncollectible (i.e. a bad debt) and treats it as such for accounting and tax purposes.
If the credit card company then assigns this receivable/debt to a third party, such as a collection agency, the limitation period applicable to the original debt is not suspended or renewed. So, if the limitation period applicable to the original default has expired, then a subsequent demand by the same creditor or assignee of the debt is not lawful or legally enforceable.
Recall the wording of CRC’s collection letter above:
“UNLESS YOU NOTIFY THIS OFFICE WITHIN 30 DAYS AFTER RECEIVING THIS NOTICE THAT YOU DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF, THIS OFFICE WILL ASSUME THIS DEBT IS VALID.”
This is simply a ruse to induce the consumer in responding to the debt collection letter, irrespective of the “validity of the debt”. In this example, the alleged debt dated back to the mid-1990′s and the original credit card supplier made its final demand in 2001 and then assigned it to CRC. (Ignore the fact that the credit card debt was originally around $300.00 and incurred by someone other than the alleged debtor).
This is the old “silence is an admission” trap. What happens then if the consumer does call CRC?
IF YOU NOTIFY THIS OFFICE IN WRITING WITHIN 30 DAYS FROM RECEIVING THIS NOTICE, THIS OFFICE WILL OBTAIN VERIFICATION OF THE DEBT OR OBTAIN A COPY OF A JUDGEMENT [sic] AND MAIL YOU COPY OF SUCH JUDGEMENT [sic] OR VERIFICATION.
The CAA and Regulation are explicit: collection agency notice letters are not to be used as fishing expeditions. Does calling the telephone number provided constitute consent to release of credit information? Not in the slightest, but, once they reel you in, good luck getting the hook out.
The subtle point is that CRC is trying to spring a trap on the unwary. Most non-lawyers are unfamiliar with limitation periods and how they work. Under the new Limitations Act, 2002, the former limitation of 6 years was repealed, subject to transitional provisions. The new Act specifies that no proceeding shall be commenced in respect of a claim, after the second anniversary of the day on which the claim was discovered. The fundamental issue is the meaning of the term ““acknowledgment” under s. 13.1 of the new Act, which reads:
S. 13(1) If a person acknowledges liability in respect of a claim for payment of a liquidated sum, … the act or omission on which the claim is based shall be deemed to have taken place on the day on which the acknowledgment was made.
….
(9) This section does not apply unless the acknowledgment is made to the person with the claim, the person’s agent … before the expiry of the limitation period applicable to the claim.[emphasis added]
In Hare v. Hare, 2006 CanLII 41650 (ON C.A.) , an appeal involving a claim made on a demand promissory note, the Court of Appeal for Ontario confirmed the well established rule that a demand notes matures as soon as it is delivered. The majority held (2:1) that that rule was not disturbed by the new Act. Thus, the limitation begins to run as soon as the money is advanced. However, the running of the limitation can be started afresh by an acknowledgment, such as a payment being made on account. (the Limitations Act was amended in response to the Hare decision)
Caveat debitor.
December 12, 2011 at 1:11 pm |
This collection letter is very interesting because, apart from the issues you noted, the fine-print language reads like it was crafted to comply with the U.S. Fair Debt Collection Practices Act. I wonder if Mr. Cornale Sr. is doing business here as well as in Canada.
December 12, 2011 at 1:12 pm |
Good point. It’s possible. Thanks, Antonin
September 5, 2012 at 1:48 am
I finally got my fico back to 783 after 9 years – what if I already responded denying the debt and citing the limitations act of Ontario
March 15, 2012 at 11:49 pm |
What if they call me after sending me the letter?
March 16, 2012 at 5:45 am |
No difference.
May 10, 2012 at 12:13 pm |
I’m in with this bastard company as well trying to get money out of me but I haven’t given them a cent yet because I caught them in a few lies already. I told them I would call them back once I figured out what to do.
The company that they bought the debt from they don’t deal with the account anymore and has been written off already. as far as I’m concerned they bought a debt that I don’t have to deal with anymore.
It’s like buying a repossessed car then expecting the original owner to pay the new owner the money they spent out of their own pocket at their own will then try to bully you into paying.
May 29, 2012 at 8:38 pm |
I keep getting calls from them saying they have a special offer for me and to call but what i don’t get is this account they bought is almost 8 years old now and not even on my credit report any more so can they still get a judgment on this ? and the interest that is on their now is so high double what the card was which i find brutal.
May 29, 2012 at 9:16 pm |
I don’t give legal advice here. All I can suggest is that you contact the Better Business Bureau first and file a complaint. You may also consider filing a complaint with the Canadian federal Competition Bureau or the appropriate provincial agency (in Ontario, the Ministry of Consumer Services: http://www.sse.gov.on.ca/mcs/en/Pages/default.aspx) or the equivalent governmental agency in your jurisdiction. An 8 year old bad debt is likely time-barred (meaning the limitation period to sue has expired), but you must consult with a lawyer in your jurisdiction to determine the applicable limitation period.
June 21, 2012 at 5:09 pm |
I sent them a registered letter after receiving 40 plus harassing telephone calls and told them to provide me with full details of the alleged debt. They did not respond.
June 21, 2012 at 5:11 pm |
Thanks. I wish more people would follow your example.
August 11, 2012 at 11:54 am |
Responded;
Didn’t know this was not allowed, made a payment with this agency. How do I get out of this or can I? Any suggestions would be great.
August 12, 2012 at 1:56 pm |
You may wish to file a complaint with the provincial or state agency in your jurisdiction that regulates debt collection agencies, or local Better Business Bureau. Depending on the amount of the original debt, you may also consider hiring a lawyer in your jurisdiction.
August 28, 2012 at 4:10 pm |
They have contacted me 3 times regarding a person I know nothing about. Trying to be nice I called them back twice and told them they had the wrong number and asked that they stop calling me.
They called again today, and this time they had obtained my name. I called the Alberta Consumer Contact Centre and they advised me to give them written notification that they had the wrong person and if they contacted me again I should submit a formal complaint.
Letter written, emailed to their general email address, off to the post office with a registered mail letter and to fax it to the 2 fax numbers I have for them…….let’s see what happens.
September 5, 2012 at 2:56 am |
amazing you are not at fault and still it costs you money because of some bottom feeder
September 5, 2012 at 2:59 am |
so the reporting bureaus know this and still report false or misleading information – collusion???? where is corproate governance for publically traded companies???
September 5, 2012 at 3:00 am |
sorry – publicly
September 7, 2012 at 1:23 pm |
this company should not be in business, there scam company and most are un registerd collection officers [redacted] . i should no i use to work for them until i got wise to there unscrupulus businees works.
[Edited and redacted to remove defamatory content. Original spelling retained]
September 7, 2012 at 1:27 pm |
there is one lady that works at contact resource services named [redacted], she has been fired from several collection agencys and has be forbidden to be a collection officer in the province of alberta and has beeen fined also. yet she continues to work for contact .some may ask how i know this. well i use to work in the same office. contact resource services is a corrupt company and should be investigated for fraud and un fair business practices.i am not a disgrunted pass employee i just didnt like working for a company that had no morales.
[Edited and redacted to remove defamatory content. Original spelling retained]
October 12, 2012 at 5:33 pm |
I’ve been called multiple times after I told them never to call back again. They now result in calling me, but not speaking on the phone. Just calling and leaving the line open. I’ve called them back today (fed up) since I can see their phone numbers on my caller ID and I was being told that no one has called me since august which is BS. I’ve finally decided to place a complaint on them for harassment at the Police, waiting for their call back within 7 days as the 911 operator told me. Yeah I know it’s funny to have called 911, but that’s what the SQ told me to do.
Just to add, they are calling for an account that I had in 2003 (we are in 2012) that I had paid and which doesn’t even show on my credit report. Unfortunately I do not have the letter that was sent to me by canadian tire saying that I had paid it.
J’ai ete appeler a mainte reprise par cette companie meme apres leur avoir dits de ne plus appeler. Maintenant, ils appellent mais ne parlent pas au telephone. Y font just appeler et laisse la ligne sur mute. Comme j’ai l’afficheur du numero, je vois que c’est bien eux. J’ai appeler tout de suite apres leur appel sans avoir un interlocuteur ou but du fils encore une fois, et la femme a qui j’ai parler, qui avait un ton condescendant comme ca ne se peut pas, ma dis que personne ne m’avait aplé depuis Aout, ce qui est de la b***s***. Donc j’ai decider de porter plainte aupres de la police, et j’attend le rapelle comme que la femme du 911 mas dis. Ca fait bizare de devoir appeler le 911 pour ca, mais c’est ce que la SQ m’as dis de faire.
Just pour ajouter, ils appellent pour un compte que j’ai eu en 2003 (on est en 2012), que j’avais payer et qui n’apparait meme plus sur mon rapport de credit non plus. Malheureusement je nai plus la lettre de canadian tire qui confrimait avoir payer le montant total.
October 12, 2012 at 5:38 pm |
Thank you for your comment.
Best of luck on your police complaint.
Merci pour votre commentaire. Bonne chance dans votre plainte à la police.
October 12, 2012 at 5:49 pm
Thanks will post back when I have more info from the police.
December 6, 2012 at 11:34 pm |
This company contacts me every year around this time. I had an old debt with Rogers from 2005 and last payment in 2006. Only this year the collection agency called my old work number and left message on my co-worker’s voicemail ( I moved offices so new number a of 3 yrs ago). How they got the number I have no idea.
The kicker is the lie. The woman said she was calling from Rogers about “my complaint escalating.” What complaint? She also said “that if I did not respond, they would make a decision on my behalf.” Uh, what complaint?? I haven’t had any contact with Rogers since 2006. Not to mention this is from Ontario and I’ve now resided in Alberta 6 yrs this month.
January 10, 2013 at 5:08 pm |
I am in Saskatchewan, and just got off the phone with these guys. They have been relentless, regarding a debt that occurred PRIOR to 2001. She suggested I get a credit card to pay off the debt…I pointed out that paying credit with credit was AGAINST THE LAW. Then she told me I should get a cash advance to pay it. When I pointed out that I apparently can’t get a credit card, with this sitting on my credit, she told me that yes “it looks maxed out”, which perked me up a bit. When I asked how she knew, and pointed out that she was NOT allowed to be looking at my credit report without my consent, she said that once something was in collections they could. I know this is not true!! Wow…I have some research to do. I have not paid them a dine thankfully, now if i could just get them to quit calling!
January 10, 2013 at 5:15 pm |
Thanks for your comment. Please note that my post deals with Ontario law, so Saskatchewan law may differ regarding the applicable limitation period. That said, a 2001 debt without acknowledgment of the debt on your part is likely time-barred. I recommend that you consult with a lawyer who is a member of the Saskatchewan bar and has experience in debtor-creditor law. Good luck.
January 10, 2013 at 5:19 pm |
P.S. This post by Richard Carlson, a Saskatchewan lawyer whose practice includes debtor-creditor law may be of assistance: http://www.rickcarlson.com/court.php?article=limitation
January 10, 2013 at 5:17 pm |
I recently just received a letter from this company for a debt that is not mine and in the process of sending them a registered letter. I’m not exactly sure what to write in it. Is there a sample letter that you could link me to? Also, should I sign it? Thanks, very informative article!
January 10, 2013 at 5:26 pm |
Thanks for your comment and question. I don’t have a sample letter, nor is there any precedent that exists. Generally, a denial of the debt and a demand to cease and desist in further contact will suffice. If a debt collection agency ignores or refuses to comply, then an individual may file a complaint with the applicable governmental agency. Signing a letter is proper form.
I hasten to add that you should consult with a qualified lawyer, as this is a personal blog and I neither dispense free legal advice, nor should you construe my general reply comment as such.
January 17, 2013 at 9:40 pm |
We bought a house which had been a rental. The previous occupants owed money and Contact Resource Services tried to dun us. Their thesis was that in buying the house we assumed responsibility for all debts of all previous occupants. This has been going on for four years, periodically they call and harass us.
January 17, 2013 at 9:45 pm |
That’s ridiculous. You really should file a complaint with an Ombudsman or provincial government agency, or get an injunction to stop the harassment.
January 18, 2013 at 5:46 am |
PLEASE HELP ME WITH THE FOLLOWING:
I had a line of credit with a company that went to collections, and It is scheduled to come off my credit report in June 2013 (as the date of last activity for the original creditor is June 2007).
I received the exact same copy of the letter from CRS as posted above. When I ordered my credit report I noticed that CRS had re-aged my date of last activity (or date of last payment) to May 2008, which was 11 months later. I know that I have not made any payments to anyone on this account so the date of last activity should be the original date of June 2007. I know this is illegal in the US, but I was wondering if they are able to re-age a debt to make it seem newer in Canada. If they are not allowed to do this, what steps of action can I take to make sure it is removed by June of this year?
January 18, 2013 at 11:30 am |
Thanks for your comment. As my blog disclaimer states, this is my personal, not professional blog. I cannot dispense any legal advice to you unless I am formally retained. I never offer free advice. Legal advice is something that you pay for. I also don’t know where you are located, so it is difficult for me to point you to any online resources that may assist you. If you are in Ontario, as I referenced in my post, consult the Ministry of Government Services website: Your Rights When Dealing With Collection Agencies (see backgrounder here)
February 12, 2013 at 7:46 pm |
My daughter was starting her first year university and a credit card company had a table set up and was offering credit to kids that did not even have a job! Of course my daughter signed up and instead of starving used the card and got in over her head. In November 2010 Contact resource services purchased her acct, her last payment was march 2010. She had no money to pay this in full and they would not accept payments so she stopped answering their calls, she had asked them send info to her address but they never did, apparently they will only do this if you send a letter requesting so. Now they have served a Notice of Claim that my mother signed for not knowing what is was. My daughter did not know what to do and the 14 days are past that were given to reply by. They want the original balance of 4,400 plus interest and fees for a total of 6,797 or they will garnish her wages. Could you give any advice on this?
February 12, 2013 at 7:58 pm |
Thanks for your comment.
Unfortunately, I don’t give advice on my personal blog. You have to pay for legal advice.
I also do not know where you live, meaning in which jurisdiction you reside.
You refer to a “Notice of Claim”, but this does not sound like a Statement of Claim and 14 days is not a common time-frame to respond to a pleading.
I suggest that your daughter consult with a lawyer (or licensed paralegal) to canvass her legal options. Collection agencies prefer to not litigate and want to settle. If her credit card debt is older than 2 years and she did not personally acknowledge the debt, then no one else has her authority to waive her limitation period defence.
If she has been served with a Claim (presumably in small claims court), then she has the right to defend herself by delivering a statement of defence.
March 12, 2013 at 6:42 pm |
Out of the blue I received one of their form letters. Not only was this debt written off, but it hadn’t been on my Credit report for an extremely long time! I’m just wondering how they obtain this information?
Alberta resident
March 12, 2013 at 6:45 pm |
The credit card companies sell their unpaid accounts/write-offs in bulk.
March 12, 2013 at 7:54 pm |
You have some great resources for Ontario here…so I went on a search for similar Alberta resources. To my surprise I came across the bullies from CRS! They received a fine in AB for operating with unlicensed agents as well as violating the Fair Practices Act etc.. the website is as follows.: . http://www.servicealberta.gov.ab.ca/pdf/undertakings/Contact_Resource_Services_Sept-29-10.pdf
You can also go to the following for a LIST of agencies that were reported and fined etc.
http://www.servicealberta.gov.ab.ca/1288.cfm#Collection
March 20, 2013 at 4:16 pm |
I have just had a similar experience with a company called Integrity First Telesolutions. They called me last week (Wednesday, iirc), about an alleged debt from 1996! Yes, 1996.
As others have mentioned, a debt that old longer shows up on my credit report (in 2010, my bank gave my wife and I a $240,000 mortgage, plus I was given one personal and one business credit card for $5000 ea as well as $5000 overdraft on my business account with NO JOB — my wife had NO credit).
However, something I’d like to point out is, according to the Ontario Gov’t (I phoned them this morning), the CAA does NOT apply to agencies/companies etc who buy written-off debt (e.g. limitation period has expired). It only applies to collection/recovery agencies hired by your original creditor. Your only recourse is a cease and desist letter and/or the BBB. Case in point: I sent a registered letter demanding proof of debt, original contract, notice of settlement, proof of authorization to collect the debt etc etc etc… this particular agency has not attempted to contact me since receiving my letter.
Do your due diligence. But also understand, “debt does not die — it just becomes a zombie….”
March 21, 2013 at 1:58 am |
Im so happy i found this blog I thought i was going crazy this company is relentless my account went to them in 2000 and they were paid in full by a registered cheuqe which they requested then a year later they started calling i then faxed a copy of the cashed cheuqe to them and they went away again then in 2005 they started again we sent another fax of the cheuqe and they went away now last year they started calling again i have told them for over a year that i refuse to deal with them they have been paid and this is over they cant do anything to me now they tod me then that no they can take legal proceedings its to late for that! and no they cant report to the credit bureus its also to late for that ? now here is my problem now today i got a call from alberta from the same lady that has been calling for ontario previously and then i told her in not so nice words to bugger off 4 hours later she calls from ontario again and by now i have calmed down i ask her a calmly as i can what she thinks is going to come of this? she cant touch my credit she cant sue me so why keep calling is this a gme she likes to play or is she lonley she then informs me that i have cleaned up my credit quite nice which admittly made me sit up to attention so i asked her how she knows anything about my current credit its none of her bussiness she then informs me she is looking at it right now and if i dont pay she will continue to look iinto it causing me to lose points every time she does i dont know where to go now because now im afraid i have a stalked!!!! these people are completley crazy but i dont think i should have to pay them again!!!!!
March 21, 2013 at 8:52 pm |
Report them to the provincial Ministry of Consumer and Commercial Affairs in your jurisdiction. If necessary, change your phone number and make it private. Also, order a copy of your credit report from Equifax and TransUnion to see if they have accessed your records. If so, file a complaint with the credit bureaus and with the provincial Ombudsman.
April 26, 2013 at 6:45 pm |
I am one of the CRS victims as a result of a default on my TD VISA account after I lost all my assets and life savings in a fraudulent divorce, and was left literally with my old car, laptop, the shirt on my back, and homeless. TD Bank, after receiving all the info (being laid off, no assets, on welfare) understood and wrote off the debt – 11 (eleven) years ago! And now comes the notorious CRS.
My question: A debt is an asset, positive or negative, for both the debtor and the debtee (is that a correct term?). If the Debtee can sell a ‘debt receivable’ to a third party like CRS, why couldn’t the Debtor sell his ‘debt payable’ to a fourth party as well? What would happen if I sold my ‘debt payable’ to TD to Joe Blow who in exchange for some consideration would accept in writing the responsibililty for payment of my debt, and then he declared a bankrupcy. Would I be out of the picture by then?
If one side of a debt (demand) can be sold, why the other side (obligation to pay) could not be sold as well? This is a very interesting point, with potentially major implication for the entire debt collection industry.
Just curious.
April 26, 2013 at 8:11 pm |
Thanks for your comment. The term you are looking for is “creditor” instead of “debtee”.
In general terms, accounts receivable (debts owed by a third party) can be assigned or sold to fourth parties. Accounts payable (debts owing to a third party) can be assigned (e.g. security or collateral for refinancing with consent of the creditor), but cannot be sold or discharged without consent of the creditor. In other words, if A owes money to B and B assigns the debt to C, A cannot then sell or transfer the debt to D without C’s consent. To do so may be considered an assignment or preference to avoid, hinder or delay payment to a creditor under the Assignments and Preferences Act, Bankruptcy and Insolvency Act and Creditors’ Relief Act.
Of course, if you are looking for legal advice, then you need to consult with a lawyer in your jurisdiction with experience in Debtor-Creditor law.
May 9, 2013 at 6:48 pm |
I had a call from Contact Resource Services too. THey got a hold of my private phone number – it is private because of a stalker. how did they get it. I have no business with Rogers – when I contact Rogers, they say they cannot help or do anything about this. They have a lot of private information on me, which means they are breaking the privacy laws of Ontario as well as the collection laws. THey say that Rogers transferred my account in April 2013 – which is a complete lie. I do not have anything to do with Rogers. These guys need to be put on criminal charges, but non of us have the ability to hire a lawyer nor the time to deal with it. Can we not all get together and do a class action suit against them. The best way to deal with them is to have them go bankrupt shut them down. It is totally operated on stolen information and using harassing information. I say we all say yes to this and get a lawyer to serve them and shut them out of business. If we win the class action, then we press criminal charges. Lets bring this scum down and put them in jail where they belong for life.
Class action, some law firms will do it based on percentage of money back. Lets see what we can do.
May 19, 2013 at 3:38 pm |
I have been harassed by Iqor, a ruthless collection agency, for a small amount of money that I refuse to give to Rogers due to them not giving me the service. Rogers is probably going to sell this “debt” to Contact Resources. It is 3 years old. I got an application on my phone that fixes them. It dumps their calls.
May 19, 2013 at 3:49 pm |
Contact Resources has been sending me these form letters a few times a year about a debt that is 10 years old. I am happy they don’t have a current phone number, but even if they did, I would be able to block their calls. If somebody does not respond to their letters, why don’t they assume that the recipient is aware of their rights and consumer law? I suppose it is business for Canada Post.