VP of Ops picking up and hanging up is unusual (usually lets it go to Voicemail) but as I said, I don't know much about them Toronto guys so...

Thanks! I wanted to post it so others could use the info. I sent it out today via express post (dated, tracking # & signature required). It is faster then registered, should arrive Monday as it was after pick up when I sent it. I also called back and spoke with the woman I spoke with the other day. She gave me their fax # so I will be sending another copy via fax, not from my home. The really childish thing is that I did get a name & direct # for the VP of operations and he is actually picking up and hanging up the phone without saying anything! I have never spoken with him, have been sent to his voicemail several times but actually checked that he was in the office tonight and that's when I got the hangups. * 67 ed the call so he wouldn't get my phone #, it's unlisted & they don't have it...I want to keep it that way.

By far the best and most competent letter I have even read.

If that does not bring the results asked for, then legal recourse is not only recommended, but very likely to succeed.

Congratulations on the letter! :O

Final draft of a letter to iQor. Paying off a debt you don't owe just to get them off your back doesn't or off your credit report doesn't work because it will reset the 'date of last activity' to the pay off date and it will still take another 6 years to be taken off. There are laws to protect consumers and I have learned that providing false information to the credit reporting agency is definitely against the law. Hope some of the info in this letter can help others. I have tried to leave in as much info as I can while still protecting my privacy. I will try to update as to where this goes. The manager, Fraser Murray will not speak to me (even once) and actually keeps picking up his phone and hanging it up.

As a friend of mine reminded me - I owe it to not just myself but to others to not let this illegal activity continue...

iQor Canada Limited
255 Consumers Road, Suite 130,
Toronto, On M2J 1R4

Phone: 1-877-503-2115

RE: Account #

Dear iQor Canada Limited,

This letter is in response to information you reported to TransUnion Canada and Equifax Canada, concerning the collection of the above referenced account. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Collection Agencies Act, Consumer Reporting Act and Consumer Protection Act that your claim is disputed and validation is requested.

I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Acceptable evidence is listed below.

Please provide me with the following:
• What the money you say I owe is for;
• Explain and show me how you calculated what you say I owe;
• Provide me with documentation to support the last date a payment was made on this account;
• Provide me with copies of any papers that show I agreed to pay what you say I owe;
• Provide a certified copy of the original contract;
• Provide a verification or copy of any judgment if applicable;
• Identify the original creditor;
• Prove the Statute of Limitations has not expired on this account;
• Show me that you are licensed to collect in my province;
• Provide me with your license numbers and Registered Agent.

As per the Consumer Protection Act, you must provide disclosure of the particulars of the transaction and provide a copy of the agreement. If your offices fail to provide the requested information within 30 days from the date of your receipt, I will assume that you cannot provide validation of this debt.

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Collection Agencies Act, Consumer Reporting Act, Consumer Protection Act and the Ontario Limitation Act so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with The Ontario Limitation Act 2002 and verified that the Statute of Limitations for enforcing this type of debt through the courts in Ontario has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the "statute of limitations" has expired. Since you have yet to provide me with the actual date this account went into default, I do not know which Limitation Act it falls under. Either way, enough time has passed for either Limitation Act to be applicable. Before the 2002 Act the limitation was six years. Pursuant to the 2002 Act, Unless this Act provides otherwise, a proceeding shall not be commenced in respect of a claim after the second anniversary of the day on which the claim was discovered. 2002, c. 24, Sched. B, s. 4. In addition, we will summons a representative of Rogers Cable to produce some documentation bearing my signature, a bill indicating the charges, amount due and date of the last payment or acknowledgment.

At this time I will also inform you that your corporation has knowingly reported false information to Equifax and TransUnion. The ‘date opened’ your company reported to TransUnion as 11/01/2007 and ‘date of last payment’ reported to Equifax Canada as 2006-05 are false statements on my credit report. Pursuant to the Consumer Reporting Act 2009, No person shall knowingly supply false or misleading information to another who is engaged in making a consumer report. R.S.O. 1990, c. C.33, s. 22. Pursuant to the Consumer Protection Act, No person shall engage in an unfair practice. 2002, c. 30, Sched. A, s. 17 (1). Pursuant to the Collection Agencies Act, Every person who, knowingly, furnishes false information in any application under this Act or in any statement or return required to be furnished under this Act or the regulations;...and every director or officer of a corporation who knowingly concurs in such furnishing, failure or contravention is guilty of an offence and on conviction is liable to a fine of not more than $50,000 or to imprisonment for a term of not more than two years less one day, or to both. R.S.O. 1990, c. C.14, s. 28 (1); 2004, c. 19, s. 6 (2). This action might constitute fraud under Provincial Laws. Due to this fact, I require that these negative marks on my credit reports by your company or the company that you represent be acknowledged in writing to me and removed immediately.

The Ontario Limitations Act deems the alleged debt is subject to a two or six year limitation period in effect at the date of default, last payment or written acknowledgment. For the purposes of subclause (1) (a) (i), the day on which injury, loss or damage occurs in relation to a demand obligation is the first day on which there is a failure to perform the obligation, once a demand for the performance is made. 2008, c. 19, Sched. L, s. 1. Your company has repeatedly refused to provide me with the original date of default and I have made no payments nor acknowledged the debt in writing. In fact, I was told the 2006-05 date was the date iQor likely acquired the debt (by D*** on March 23, 2010) and the 11/01/2007 date was when I contacted your company to inform you I do not owe this debt and to request documentation. At that time I was told by your representatives that they have no documentation on the original debt and I needed to contact the original company, Rogers Cable (restated by D**** on March 23, 2010). I did contact them, when I was first informed by your representatives, and was told there was no record of an account. When your company changed the dates on my credit report I once again contacted Rogers Cable and they launched a week long investigation, searching through all archived accounts. There was no record of the alleged account in their records.

This letter is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me regarding this or any other matter except to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the Collection Agencies Act, Consumer Reporting Act, Consumer Protection Act or Statute of Limitations Act. In addition it is my right to require that you acknowledge this information is erroneous, have all references to this account deleted and completely removed from my credit files. Pursuant to the Consumer Protection Act, If a supplier is required to disclose information under this Act, the disclosure must be clear, comprehensible and prominent. 2002, c. 30, Sched. A, s. 5 (1). If a supplier is required to deliver information to a consumer under this Act, the information must, in addition to satisfying the requirements in subsection (1), be delivered in a form in which it can be retained by the consumer. 2002, c. 30, Sched. A, s. 5 (2). I require a signed copy of said acknowledgment and deletion request be scanned and emailed to me at ******@***** immediately and an original signed copy be sent to me at the address noted in this letter. I am attempting to give your company an opportunity to correct your mistakes but if this is not done within 14 days then I will notify the Consumer Protection Branch of your fraudulent activities and/or move forward with legal recourses available to me. Pursuant to the Collection Agencies Act, If a person is convicted of an offence under this Act, the court making the conviction may, in addition to any other penalty, order the person convicted to pay compensation or make restitution. 2004, c. 19, s. 6 (4). Therefore I will be seeking financial compensation for any additional expenses incurred from moving forward with legal action and any other compensation that may be available to me.

All future communications with me MUST be done in writing and sent to the address noted in this letter. Be advised that I consider any contact not in accordance with the Collection Agencies Act and Consumer Protection Act a serious violation of the law and will immediately report any violations to the Consumer Protection Branch and, if necessary, take whatever legal action is necessary to protect myself. Be advised that any violations of the Collection Agencies Act has a maximum sentence of two years less a day in jail for individuals and maximum fines are up to $50,000 for individuals and $250,000 for corporations.

Signature

Hmm, we have had such a few cases where Rogers claims an old account does not exist anymore.

A few simple steps (you may have taken already) to clarify things:

-Ask the iQor agent to give you your ROGERS account number.

-Contact Rogers, ask for the name and employee number of whoever you speak to, and enquire about the number you acquired in the above step. If they confirm no such account exists, tell the agent to clearly tell you that it is so, and call iQor with the name, employee number of the Rogers guy and tell them he CONFIRMED the account number was non-existant. Then iQor will be forced to investigate himself, without YOU having to run around.

I know of a few agents that modify last activity date on the credit report submissions to make it stay there even after 6+ years, in hopes that you will want a loan (etc.) badly enough to pay the account off, whether you owe it or not.... which might or not might not be illegal (I couldn't tell you for sure), but which is definitely unfair and unprofessional. These agents are nasty, but using these methods means more money collected, hence more latitude from the supervisors, which is something that makes me sick... but sadly I cannot really help there.

What I CAN do though, is look at the iQor file in our system (provided I am given a way to locate it... name, phone, iQor file number, Rogers account, etc.), and then will be able to help you directly (through here or e-mails, not 'from work'... because to be able to help people in your kind of situation I must remain anonymous) by providing info on what we know, what we did and/or will do.

This kind of situation where the agent is unwilling to help and Rogers is having comunication issues is what prompted me to do what I do here.... people such as you are getting shafted from both ends, and that's totally unreasonable, unfair, and a pain in the ass for you.

Hope you'll give me the opportunity to help,
~MaskedAgent

I have also had trouble with iQor. It started about 3 years ago when I got my credit report. I noticed a delinquent account on there and immediately called CBCL (now iQor). I told them I had no record of this debt, I do not owe it and they needed to provide me with documentation. The agent said they did not need to and that I had to get it from Rogers (the orignating company). I contacted Rogers and they had no record of any account. I was stupid and thought it would just go away but when I checked again a year later it was still there and they had changed the dates of last payment/activity to when I had contacted them! I contacted Rogers again and they still had no record of the account. I pushed and spoke to a manager who launched an investigation thinking the record had been archived. They didn't call me back after a week so I really had to push to get through to them (apparently talking to a manager is very difficult at Rogers). When I finally talked to the manager she said they had no record of the account but that it does exist because the credit agency says it does. WTF? How can they do that? In the meantime I can't get any credit! I have tried to dispute it with transunion but they ruled it was valid. When I asked what the investigation process was they said they just call the creditor and confirm the name and amount. I'm so shocked and frustrated that this can happen. I feel like I'm being forced to pay something I don't owe or have my credit ruined forever. If I go by the date they claim this amount was originally owed it would have passed the 6 years and be gone by now. If I send a letter demanding that iQor repair the information and/or have it removed from my credit report what are the chances they would actually do anything? Anyway you look at it the SOL has run out from the original date and the made up date they gave for last activity plus with no proof I don't know how they would ever win in court. At this point I would be more then happy to take them to court if it would mean it was removed from my record.

If they just sent it today in regular mail, you could consider yourself lucky to receive it by March 26th. Your best bet is definitely to ask for it by fax.

Otherwise, at least get the name of whoever you are speaking to... I am on the fido/rogers team, maybe I can keep tabs on the letter. :)

its a rogers account and a fido i have proof of the settlement and i spoke with them again today they said theyre gonna send it again and i should get it by fri 26th march. Im seriously fed up and i dont even know when and how these accounts came in to collection i just want to get them out of the way.

Also, if I am able to locate your file, I should be able to get the release faxed to you (provided a number is acquired), which by-passes all the postal delays.

I can then try to pressure a bit to ensure it is sent within a day or two.

What is the name of the creditor (who did you owe money to) and the name of the Agent you spoke with?

There are currently three agents on prolonged vacation, so it may be one of them.

Release letters are sent in the 4-5 days following the reception of the payment (which may be from 2 days to 2 weeks after the date YOU made the payment, depending on the method used), and then you can expect normal postal delays, usually a max of 12 workdays.

So... yea, end of January is still quite a delay, even considering all these.

I can personally check the file to see if the letter has been sent, and/or confirm if the Agent IS away, under two conditions: if the creditor is considered as "telecommunications" (phone, net, cable, power company, etc.) and if you give me a way to locate the file in question. File number, address, phone number, name, etc.

If you are not comfortable posting in public I can receive confidential communcations at: klirsyt@hotmail.com.

I will post the results of my investigation here or e-mail you (at your request), but will not call you as I wish to remain anonymous, for rather obvious reasons. :)

Do not ask why I do this either.... I disagree with certain iQor policies, and if I can help debtors get what they want, it's satisfying for me.

~MaskedAgent