Iqor is also a collection agency.

I've been getting calls from these people since the beginning of the year... each time I ask them to send me all the paperwork they have on the account, but I have yet to get anything...I finally did get them to give me the old Rogers account over the phone & I now have Rogers checking the archives to see if there is a debt outstanding...

From what I gather from the iQor Canada website, they're basically a customer service company... I couldn't find anything regarding them being an actual collection agency... I may be wrong though...

I noticed this the first time that I talked to them. I have never talked to collectors before and didnt really understand that that was who I was talking to when he called. I could barely understand him in the first place, but he was very rude!

Rogers told me that they no longer have the debt. I asked them if Iqor bought my debt, and he didnt answer that, but I am pretty sure he said they dont own the debt anymore. I updated my address over the phone with Rogers, which is on their records from March 2005. They told me this when I called them yesterday. Is it possible to ask them for a copy of this? I think they tried to contact me in again in 2007(?) but werent successful because I had moved again. I didnt update this address again because I was no longer a customer with them. The first time I updated the address was to receive my final bill from them.

Would it be in my best interest to call Iqor before they call me?

So how have you confirmed that Rogers no longer owns the debt? Did you specifically ask Iqor if they purchased the debt? If Iqor indicates the debt has been assigned to them, then that means Rogers still owns it, and thus Iqor is simply collecting on their behalf. You should be able to locate this information on the first letter you’ve received from Iqor – if you haven’t received one, request it the next time that they call.

Now, how did you update Rogers with your new address? Was it over the phone, or in writing? If it was in writing, and you have a copy of that document, then obviously your position improves. Remember, one of the goals is to make your case by showing that Rogers errored; hence why you “are” disputing the charge. That said, I’ve yet to file a dispute with either Equifax or Trans Union, so it’s tough for me to offer advice there. I wouldn’t think there would be much a difference if you filed before or after receiving the invoices; however, if you wait until the invoices are in hand you’ll have more material to work from.

Back to Iqor… Well, if these Trashbag’s contact you before those invoices show up, then simply inform them that “you are waiting for the invoices to arrive – which should be in ~10 days [and if you know who you were speaking with] according to “Mrs. Smith” in the Rogers finance dept, and you will not be discussing the matter with them any further until you’ve had an opportunity to review the paperwork.” If the collector objects to this (and he or she probably will), simply bid them a good day and hang-up the phone.

By this point you can see the importance of documenting your conversations; so ensure that you keep logs of who you’ve been speaking with at both Iqor and Rogers. Also, be sure to refrain from engaging these collectors in any sort of banter. They thrive on conversations of the sort and aim to use their [lack of] linguistic fortitude to arouse your frustrations.

I know that Rogers no longer owns the debt. Whether they assigned it to Iqor or sold it to them, I am not sure.
I did move and I did give them my change of address, but apparently they were off by one number. They did get in contact with me about this and I gave them the correct address. Even after this according to their files the invoices were still returned to them. Why this happened I don't know. So should I file a dispute with TransUnion and Equifax?
Should I call Iqor in the meantime? If so what should I say?
THANK YOU FOR YOUR TIME AND HELP!!!

Angela,

Per: http://www.bankruptcycanada.com/limitationacts.htm

"Alberta - The Alberta Limitations Act sets 2 years as the term which is extended to 10 years if there is a judgement."

This translates into Rogers no longer having any legal claim to the outstanding balance.

Before jumping too far ahead, have you confirmed that Rogers still owns the debt? If not, then the next time Iqor calls ask if they've been assigned the debt, or if they've purchased it.

Either way, your main issue appears to be with Rogers for failing to get those invoices into your hands back in 2004. Again, we need to know where the fault lies for that failing to happen. Did you move? If so, did you have mail forwarding in place with Canada Post? If you hadn't moved, what other factors could have caused Rogers to switch your mailing address around?

If you hadn't moved, or asked Rogers to modify your address, then I'd recommend that you simply file a dispute with both Equifax and Trans Union. At least it'll be on file that the debt is being disputed, and, if you win your case then the entries should be adjusted accordingly.

Now, if you were to blame for the Invoices being misdirected, then paying the account off (or settling it) will benefit you in terms that your Bureau files should be updated to reflect this. The R9 won't disappear, but at least the account will be marked as either "Paid" or "Settled" – Just be sure to demand that the payment/settlement be reflected on your Bureau files; and only hand the funds over after you have a written settlement contract in hand which addresses your concerns.

I live in Alberta.
Rogers tried to send me the bills but they were sending it to the wrong address. When I did give them the right address it still got returned to them and that is when they wrote it off.

So if I say to Iqor that I am waiting to receive proof from Rogers that the debt is mine, will that work?

I don't mind paying the debt if it is mine, I just want to do it in the best way to repair my credit. Which I think means asking Iqor to change it to an R1 or R5?

I think I said this before but I find it frustrating that my credit is hit negatively because of a bill that I didnt receive 5 years ago. Just wondering why it is showing up on my credit now and not when it happened, so that I could correct it then?

The last bill that I paid was in Nov 2004, so does that mean if I dont pay this debt it will dissapear from my credit next Nov? Or will it go from derogatory to deliquent and make my credit even worse?
Iqor said that if I dont pay in 5 days, they will make it affect my credit.

Angela,

First off which province do you reside in? Let's see if that debt is outside of the Statute of Limitations. Perhaps you can settle this for much less then they'd like from you.

In addition, if the billing error(s) was due to Roger's incompetence, then at the very minimum you should negotiate any settlement so that it reflects the initial invoice amount - without any of the accumulated interest.

With respect to Iqor, if you choose to notify them that you are waiting for Rogers to provide you with copies of their invoices, be careful how you frame the wording of your message. The last thing you want to do is acknowledge the debt IF it's within the S.O.L. as that will reset the limitation period.

Please expand on what Iqor is proposing to do if you fail to pay them within 5 days…

They won't change your R9 status.

Monty,

They didn't change the R9 status of my 2 accounts but they comment them as "settled" and the balance owed on both accounts are $0.