Hello...
I haven't read your posts... I have been busy...
I am just asking that we tone it down and keep to the spirit of helping each other...

My credentials: I own and built this site to help Canadians learn about and understand their credit. and personal finance.
I have spent hundreds of hours fighting credit bureaus, government agencies, collection agencies etc across Canada since 2003.

I helped popularize credit repair and dealing with collection agencies in Canada.

Other than that, I don't really know too much :)

Let's all join hands and sing 'kumbaya'

Yes I get extremely annoyed when someone calls me out because of their own lack of knowledge and insight.

I also note that no one else here has identified themselves, aside from the online persona. But before the ignorant post by footloose, and after a conversation with a colleague, I would have had no problem with telling everyone who I am, and how to contact me for free advice about their claim. You see, I defend debtors against bankers and collection agencies pro- bono.. But now I certainly do have a problem giving my professional information out to people who would attack and marginalize someone, based on assumption, speculation, and irrelevant criteria. I am not so inclined any more to do so, and I am certainly not going to open myself up to groundless and baseless attacks on my professional qualifications.
I came here to help, I was attacked by rude people absent cause.

Again I ask you sir, do you dispute the facts that I posted? If I have been "wrong" in any way, I would be happy to improve my understanding, without involving my ego. One thing working in law has taught me. No one can know everything, and even experts make mistakes. I made a mistake yesterday assuming that my answer with regard to harassment would be accepted, and verified by the members of this forum. I did not expect to be attacked for irrelevant and immaterial hogwash, and then personally called incompetent for that fact.

peace

Don

P.S. you did more than just ask me my qualifications friend.."what's your background / training that YOU FIGURE YOU KNOW IT ALL? "

don_ster
I just asked for you to explain who you are, and your credentials... I'm excited to have you help out... however your first posts seem to be a bit abrupt...

Are you disputing the facts that I posted? I do note that you too are a purported credit expert. And your assumption that I think I know it all, is irrelevant, and connected to your ego. I never said that. But I do stand behind what I said. As far as who I am, irrelevant. Law is about fact, not about the people that report the fact.

Okee Dokee folks...
We're here to help each other... not fight... don_ster... you've made seven posts here so far... I don't see how we're going to perceive you as an expert just yet....

what's your background / training that you figure you know it all?

You should stop pretending to be an expert in creditor/debtor law. It is obvious that you are not.

@ Footloose. You said..."In Ontario, all licenced lawyers are accountable to their governing body, namely The Law Society of Upper Canada. They don't answer to any Federal or Provincial Regulations. All collectors and collection agencies are licenced under the Collection Agencies Act and their activities are governed by the provisions of the Collection Agencies Act, Regulation 74."

This is pure . If a lawyer collects debt for a bank, he is bound by the Bank Act. Period. Check your facts before you misinform people.

Don

@ Footloose...

You may be correct that there are different sets of regulations pertaining to collection by banks and other institutions. That's when you stopped making sense. The collection practices prohibited are practically the same. For example,

Credit Business Practices (Banks, Authorized Foreign Banks, Trust and Loan Companies, Retail Associations, Canadian Insurance Companies and Foreign Insurance Companies) Regulations, SOR/2009-257

2) An institution may not communicate or attempt to communicate with a debtor, any member of the debtor’s family or household, any relative, neighbour, friend or acquaintance of the debtor or the debtor’s employer by any means, or in a manner or with a frequency that constitutes harassment, including

(a) the use of threatening, profane, intimidating or coercive language;

Collection Agencies Act
Loi sur les agences de recouvrement

R.R.O. 1990, REGULATION 74
3. Publish or threaten to publish the debtor’s failure to pay.

4. Use threatening, profane, intimidating or coercive language.

5. Use undue, excessive or unreasonable pressure.

6. Otherwise communicate in such a manner or with such frequency as to constitute harassment. O. Reg. 103/06, s. 2.

I was addressing what they ( ANY COLLECTOR) can do and cannot do, not which legislation applies, because that is irrelevant to the debtor who does not have to quote legislation to make a complaint....

The reason I pasted the information from the Bank Act here, is because both pieces of legislation do not allow harassment, which was the question below, and it was already on my clipboard from a similar post with regard to harassment on a credit card debt.

Use your brain before you use your mouth. You assumed, speculated, inferred incompetence, all based on your own arrogant stupidity. Next time confirm that your speculation is fact before you shoot off at the mouth. Have a nice day mouth piece..

Don

Well said Footloose.