Collection Agencies - Iqor Collections Suddenly on My Credit Report - Canada

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RE: Iqor Collections Suddenly on My Credit Report

Postby Ottawa_Chap » Tue Aug 18, 2009 03:00:52 PM

Infuriating one C/A at a time..
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RE: Iqor Collections Suddenly on My Credit Report

Postby gwavaos » Tue Aug 18, 2009 12:26:06 PM

I have since received confirmation from both Rogers and IQOR that the bill was not mine.

I called each party everyday until I got to someone holding some sort of authority. What would have saved me a lot of time was I should have only dealt with the Rogers Loss Prevention (Fraud) department, it was a waste of time just calling the regular hot line and getting transferred 6 times.

Also, at one point the woman working at Rogers gave me the name of their contact person at IQOR which made things go much smoother. It is very helpful having a direct number and the name of a person to talk to, that way you can keep calling them until the problem is fixed.

I still plan to take some kind of action against IQOR and/or Rogers. On the Better Business Bureau website IQOR is ranked at an F. Something needs to be done so other people are not treated with the complete disrespect that I was treated with. I am still in shock that this has happened to me, and that it was allowed to happen without repercussion.

I hope this information is helpful at least to someone.
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RE: Iqor Collections Suddenly on My Credit Report

Postby gwavaos » Fri Aug 07, 2009 03:17:37 AM

IQOR is a despicable company.

I have filed a complaint through the Canadian Consumer Information Complaint Courier.
http://consumerinformation.ca/

Their behaviour towards me has been unacceptable. I believe that I must take strong action to fix the mistakes they have made.
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RE: Iqor Collections Suddenly on My Credit Report

Postby average_joe » Tue Aug 04, 2009 02:22:16 PM

I don't think there is much you can to do to prevent this from happening to someone else. I would keep on Rogers till it gets removed. I don't think legal action will work; because Rogers agreed to remove it. It might not be fast, but at least it will be removed within thirty days.

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RE: Iqor Collections Suddenly on My Credit Report

Postby gwavaos » Tue Aug 04, 2009 11:32:04 AM

I am still struggling to get this IQOR collections account removed from my credit report.

I have spent hours on the phone with both IQOR and Rogers. Rogers has now verified that this is a case of mistaken identity, I think someone just wrote my SIN number down accidentally, because all of the information on the account is for another woman.

However, despite receiving confirmation from Rogers, IQOR is still claiming that they haven't received anything and still will not remove any of the information from my credit report.

It is despicable how much time I have had to spend to fix their error. What can I do to ensure this doesn't happen to anyone else. I am considering legal action or at least writing a letter to some consumer protection board or something. This should not have happened and it should not be my burden to fix.
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RE: Iqor Collections Suddenly on My Credit Report

Postby bullring » Thu Jul 23, 2009 05:17:48 PM

But what do you do if you only ever had one Rogers account, but now it is with 2 collection agencies?

Which one do I pay?
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RE: Iqor Collections Suddenly on My Credit Report

Postby RichardC » Thu Jul 23, 2009 12:19:34 PM

"2) Statute of limitations in most of Canada is ONLY two years! That means you DON'T have to pay if they didn't contact you within that two year time frame - and, that means in addition to #1 (forcing them to PROVE you owe it), that they can't hold it against you."

Errrr, the above isn't an accurate statement; the limitation period in most of Canadian provinces and territories is still 6 yrs. Some provinces (Ontario included) have a 2yr period.

Either way even if the limitation period is effective, it only means they can't be successful at a lawsuit IF you use the limitations act as your defence. You will still owe the money, and it will still be on your credit report.

If you owe the money it should be paid.

If you don't owe the money and the item is inaccurately reported to your credit report, you can fix that by reading Monty's DIY credit repair ebook here: /canadian-credit-repair-ebook.html

It’s a very useful read and I highly endorse it.
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RE: Iqor Collections Suddenly on My Credit Report

Postby gwavaos » Thu Jul 23, 2009 06:00:51 AM

I am having a similar problem. There is a Rogers bill on my credit report from 2003-2008 that is now in collections. I had no service from Rogers at that time. I called Iqor and they told me the name on the account was different, the only thing that matched was my first name and the last 3 digits of our SIN numbers. I now am dealing with Rogers Accounts Receivable archives. No one seems to believe me when I call them because this situation technically isn't possible, but somehow it's happening. I am going to get this rectified as soon as possible. I will keep you posted.
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RE: Iqor Collections Suddenly on My Credit Report

Postby aljw-72 » Fri Jul 17, 2009 09:47:50 AM

DON'T pay! DON'T deal with them!

What they're doing is probably borderline illegal.

1) force them to provide ALL documentation that proves you owe it (not a 1 page invoice) by telling them they MUST go to bell (or whoever it is) and get a copy of all paperwork from day 1 to prove you owe the debt - not "just" the last bill.

Do it in writing - and tell them they are NOT authorized to contact you until they can prove this, and until that time they actually should not even legally be able to put this on your credit bureau.

2) Statute of limitations in most of Canada is ONLY two years! That means you DON'T have to pay if they didn't contact you within that two year time frame - and, that means in addition to #1 (forcing them to PROVE you owe it), that they can't hold it against you.

If they can't prove it, they legally HAVE to remove it from your credit bureau.

File a complaint against them with the govt/consumer board as well and send a copy of it to iqor :)

Additionally, I'd search out Mark Silverthorn - he's a lawyer in Canada who used to work for the agencies, but now helps consumers.

I learned a TON from his ebook - I've been fighting iQor myself on a matter they claim I owe, (claiming $4500+) which is not valid. I've been able to block their calls, etc. because of it, and I'm now going to leave it in his hands to deal with for me.

AJ
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RE: Iqor Collections Suddenly on My Credit Report

Postby sammi52 » Tue Jul 14, 2009 12:50:26 PM

If I hadn't requested a new copy of my credit file through Equifax, I wouldn't have known that report from IQOR Canada...They say I owe Rogers Cable $361 . This is interesting since I live in an area of northern Ontario that Rogers Cable doesn't service. DUH... Have lived here several years. They also say a last payment was done June 2005. Tried to have Equifax check this out. They say IQOR verifies the info. So here goes the battle because I don't owe this !!!!!
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