Collection Agencies - Desperate Help Needed Please! - Canada

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RE: Good News for Total Credit Recovery Clients

Postby protege009 » Fri Aug 08, 2008 02:14:21 PM

Ok so here's an update.... It's been a few days and the harrassing phone calls have stopped at both my office and at home. I don't know if they're just giving me a breather or if they received the letter I faxed to them demanding they seize all collection efforts and all phone calls relating to the case. Now I also sent a letter via registered mail.... so we'll see.

So now on to the line of credit I received from CIBC. I contacted CIBC and inquired if I was qualified to receive a personal line of credit of $10, 000. I pretended I was in the same circumstances as I was back in '02. The phone agent said for starters, I wouldn't qualify as i need a job to be considered and more importantly a social security number to obtain a job. Other requirements were that since I was new to the country, I would need assets or a qualified co-signer as security against the loan.

I then spoke to a local attorney who feels there was negligence involved in giving me the loan as the banker at the time was a personal friend of my ex husband.... so that's more good news.
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Good News for Total Credit Recovery Clients

Postby Raymond » Fri Aug 08, 2008 10:03:26 AM

Hey, all is not gloom and doom.

At last there's some good news for all the single moms out there with kids, all the widows that were being pressured to refinance their homes @ 18% to pay off a credit card and the cancer patients who can't afford caregiver services that are being chased down by Total Credit Recovery.

It seems that TCR founder/ owner/ operator/ president, George Krieser has become a "philanthropist extraordinaire"

http://governance.universalenergygroup.ca/phoenix.zhtml?c=208700&p=irol-govBio&ID=167468

OK, OK, I admit I may have been somewhat critical in the past about TCR's pernicious treatment of the penurious; however, I now see the owner is on the head honcho board of Baycrest Hospital and on the Fund Raising Foundation of Sickkids Hospital as well as many other charitable organizations.

And so I say to all you single moms out there working 2 jobs to support 3 kids that need medications or you accident victims that can't quite seem to pay your bills on 300 bucks a week: have no fear, George Krieser will take care of you. Simply call up the old "Santa Claus'" office extension @ (416) 774-4100 and tell him you can't quite meet this month's payment because you need it for the kids' grocery money. He'll understand; he wouldn't want your kids to end up in Sickkids. No way!

Ray
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Snow Job

Postby Raymond » Thu Aug 07, 2008 09:29:35 PM

" The room was suddenly rich and the great bay-window was
Spawning snow and pink roses against it
Soundlessly collateral and incompatible:
World is suddener than we fancy it...."

"Snow"

Louis Macneice (1935)

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Truly the world is "suddener" than we imagine it. Certainly, one of the things that we find "collateral and incompatible," is the new face of debt collecting.

We discover owners and ceo's of seemingly Shylockian, Dickensian and draconian operations increasingly saturating the headliner list of charitable organizations, sick kids hospitals and fundraising drives.

It's certainly a pity that they show so little mercy to hospital cases like the one in the previous post that fall into their collection portfolio.

Naturally, it's all a snow job in image management. Due to the natural dynamics inherent in capitalism, we involuntarily inhabit a world of increasing debt and decreasing disposable income due to the inevitable polarization of wealth. As Linda Leatherdale, business editor of the Toronto Sun, points out today, it's a situation that increasingly exacerbates itself. That's why personal debt and median income levels, when adjusted for inflation, are steadily increasing.

In the world of Darwin, the strong naturally prey upon the weak to enrich themselves. They're the easiest pickings. Enter billionaire/investor debt buyers and debt collectors.

Let's look at one of the more prominent scavengers on the scene: AktivKapital. You might not recognize the name, and just as likely you won't be able to pronounce the Norwegian management monikers. Yet one of their previous incarnations might ring a bell: PMS, Portfolio Management Solutions. Situated in London, Ontario, they've long been involved in buying up defaulted credit card and bank loans, lines of revolving credit etc. PMS, purchased by a Nowegian group of investors in 2005, and morphed into "AktivKapital, they indeed present a sickening, smiling face to a desperate side of life.

Looking at these MBA's you are manipulated into thinking, through image control, what a swell, caring outfit they must be. And because they call themselves, AktivKaiptal Canada, it is suggested to you that they are a Canadian company - by Canadians for Canadians - a concept that "Mr Joe Canadian" himself, Don Cherry, would endorse,

http://corp.aktivkapital.com/en/About-us/Corporate-Management/

Nonetheless, when you view their corporate history, it's truly saddening to see how the money they extract from the most desperate members of society is continually sucked up and then siphoned out of Canada into their homebase.

http://www.aktivkapital.ca/About-Aktiv-Kapital/History/

Ray

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Another Satisfied Customer "Helped" by Natale Law Offices

Postby Raymond » Thu Aug 07, 2008 03:51:38 PM

From the Discovervancouver.com website.....

Jen, [Ostensibly a collector, and Natale Law Office Admirer (Employee?)]

That is a very arrogant comment concidering you have no idea why people get in this place.Have you ever heard of a women with 3 kids looseing her husband to cancer and they never could afford life Ins because he had a Polycystic kidney desease that meant spending at least $180.00 mnth just for $100,000,so when he died their family was heavly struck with seriouse debt.

You my dear need to think before you open your mouth and have a little heart for those who really dont deserve to be harrased on some one elses account,some one who is getting paid to feed their family by harrassing the one who does not deserve it.

Grab a heart Girl!

Granted you may have a point for those who are just bums,but whos right is it to decide who that is? not urs!
Correction from 1st reply...

.....I got ahead of myself because I was talking about 2 people,2 families that I know of one with cancer had no life ins,the other was the kidney desease.

There truly are lots of reasons people can end up in this place and are finding it very hard to rebuild.

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Good For A Laugh!

Postby Raymond » Thu Aug 07, 2008 03:29:23 PM

http://www.gov.on.ca/mgs/en/ConsProt/STEL02_045978.html

Here is a summary of Ontario's "supertough" new consumer protection laws against abuses by collection agencies. These laws have struck terror in to the heart of every collection agent in Ontario.

Upon seeing these laws, it is rumoured that TCR commandant George Krieser, could be heard inconsolably wailing and wimpering, "Oh no, what's going to happen to all my yachts?"

Ray
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RE: Desperate Help Needed Please!

Postby Raymond » Thu Aug 07, 2008 12:36:44 PM

They are only allowed to call you ONCE to verify your place of employment. Well, even if you didn't answer your extension, the switchboard operator has confirmed that you worked there.

Collection agencies do that to blackmail and humiliate people into paying. Also, if they get the creditor's permission to take you to court, they want to know where they can garnish your wages if you don't pay up.

Why not take their call and ask them "What can I do for you stinking collection agencies? Don't worry, you won't hurt their feelings - they don't have any.

If they call you at work again, start calling owner George Krieser's personal extension directly. He'll threaten you with harassment, but don't worry, he's been getting away with that schtick for years.

You'll recall last month, Wayne Macleod, a VP at TCR, paid another visit to our humble forum and indicated that they treated collection agency laws as only a "guideline" [i.e. a suggestion - not a law]. And, really, why shouldn't he, since he knows the law is not enforced anyway?

Unfortunately, neither he, nor one of his junior collection agencies also visiting us at the time, would answer how big TCR owner George Krieser's yacht was. But hang on, come to think of it, maybe it was my fault; I forgot to ask which yacht.

Ray
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RE: Desperate Help Needed Please!

Postby Takrock » Wed Aug 06, 2008 12:50:14 PM

I have a question. I am being contacted at work by Total Credit Recovery. They do not have my unlisted number at home. When I do not answer my phone at work, they press zero and have me paged, if I do not answer the page, they phone back an hour or so later and go thru the same process, the receptionist says they get more annoyed each time they call. What is the process for having them stop calling me at my work?
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RE: Desperate Help Needed Please!

Postby protege009 » Wed Aug 06, 2008 12:15:01 PM

Oh, I don't know. It wouldn't surprise me. Is that something I can find through public records? This morning I faxed and sent via registered mail a letter to the collector demanding the stop calling me. I also called CIBC and asked what their requirements are for applying for a personal line of credit...... I gave them the same situation as I was in back in 2002, no job, no social security number, no collateral, no assets etc... and they advised I couldn't qualify let alone waste either of our time talking about it. So I'm convinced there was some funny business done between my ex husband and his friend at the bank.
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RE: Desperate Help Needed Please!

Postby cadude » Tue Aug 05, 2008 07:03:32 PM

Do you think perhaps your ex filed for personal bankruptacy and that is why they are coming after you now?

It's very interesting that the loan went into default at such a high balance and you are only hearing from a collection agency now. Perhaps they have been after your ex, and were halted with banko papers.
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RE: Desperate Help Needed Please!

Postby protege009 » Tue Aug 05, 2008 02:09:15 PM

Hi Ray! Thank you very much. I will certainly look into some legal advice and get their feedback as well. I appreciate your information. Enough is enough already and I'm simply exhausted with this whole thing.

Thanks again.!
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