Collection Agencies - Consumer Protection - Canada

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RE: Your Bank Is listening in on you.

Postby Raymond » Thu Mar 01, 2007 12:00:00 AM

Here's an interesting article below on TCR that I referred to earlier regarding their 5 Star Mortgage operations. Get behind in your credit card and not only will TCR give you a call but your bank may be secretly listening to TCR give you that call. Wouldn't you know, it gets worse because even the bank may not know that TCR can circumvent it's wishes and know when the bank is listening in. That way, TCR can have a range of intimidation and coercion with a debtor that the bank doesn't want them to have.

TCR no doubt pioneered the "cone of silence" that the Chief and Maxwell Smart used in "Get Smart."

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Total Credit Recovery Limited (TCR) is a highly successful Canadian corporation specializing in accounts receivable management, collections and call centre services. The company was founded in Toronto in 1980 and now has a staff of 550 employees at seven branch offices, and generates over 24,000 calls a day from its Montreal call centre. The company credits its success to its commitment to delivering superior results for its clients, and it has invested in best-in-class technology to support that effort.

The company incorporated the Cistera ConvergenceServer? 2500 and its Quality Assurance and Compliance Solution, CallCenterRecord Enhanced? (CCRE), when it deployed Cisco's Call Manager system in its Montreal call centre. A primary driver for TCR's adoption of IP Communications was its clients' requirement for remote monitoring of calls. With CCRE, 100 agents' calls are recorded and archived and can be accessed for training purposes or to document collection efforts. Supervisors are able to monitor all calls, BUT TCR's CLIENTS WANTED THE CAPABILITY TO SILENTLY MONITOR CALLS MADE ON THEIR BEHALF AND DO IT FROM ANALOG OR CELL PHONES.

With CCRE, Total Credit Recovery clients are able to access live calls remotely through a secure toll free number. The outbound extension is identified so that they can refer back to a specific call if necessary, and supervisors can retrieve recorded calls by date, time, client and/or outbound extension.

"The ability to provide silent monitoring of calls for our clients was essential for us," commented Steve Ferries, Vice President of Information Technology for Total Credit Recovery. "Other vendors said they could do it, but only Cistera Networks made the commitment in writing. And they delivered just what we needed. The capability to provide live-monitoring of our VoIP for clients from any phone is unique in our industry, and it is helping us attract new clients and grow our business."

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Ray

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RE: - TCR

Postby montyloree » Fri Feb 09, 2007 12:00:00 AM

Hey Wayne, Or "Pete"

The reason people post here is because we love to share information with other people. Usually when people get pissed off badly by collection agencies they want to share their experiences with others. That's what Canadian Money Advisor is all about.

I find that the majority of people DO NOT know what their rights are when it comes to dealing with collection agencies. They need a site like this to explain things to them.

We will have succeeded if our readers feel in control when they get a call from a collection agency.

Please feel free to express your thoughts here. Please don't be rude!! :)

Cheers

Canadian Money Advisor
Money Adviser Canada
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RE: - TCR

Postby girlygirl » Fri Feb 09, 2007 12:00:00 AM

Wayne/Pete, if you look at all the posts, quite a few people do read Rays posts, as well as others. Us normal people need assistance from other people who've experienced these things. Hence a web site. People at the collection agency's I've dealt with are absolutely no help what so ever, and you can see I'm not the only one who feels that way.

Ray, I think maybe you should do a book/dictionary on how to deal with collection agencies when you have been wronged. i.e. Fraud, identity theft etc. I would buy it!!
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RE: - TCR

Postby Raymond » Thu Feb 08, 2007 12:00:00 AM

Well, Wayne 'er I mean Pete, you just read it; no fiction there - thus disproving your point.

Please say hello to George and Deanna for me when you see them. Ah, they say the Mediterranean is lovely this time of year.
Y'all send me a post card now, hear.

PS: Let other readers note; these are the types of headgames that collection agency vice presidents will use to "get inside your head and screw it up." (For that they get Total Credit).

Ray
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RE: - TCR

Postby TCR is cursed » Wed Feb 07, 2007 12:00:00 AM

Ray,

You seem like a smart guy, why do you waste your time here. Are you one of these "debtors" that feels sorry for themselves and decides that the only thing they can do is bitch and moan?

Do you not realize that there is NO ONE reading this?

nice rant by the way, pure fiction

Wayne

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RE: TCR Natale

Postby TCR is cursed » Tue Jan 30, 2007 12:00:00 AM

Ray, please see my response above.

Deanna is now with another collection agency, therefore, you do not have to keep reporting that she is with us.

If you have any problems what so ever with TCR, I encourage you

to call me at my contact info below. Keep in mind however, that I will not entertain calls from people who are upset just because they have a debt in collections.

Thanking you in advance,

Wayne Macleod
VP of Collections,

Total Credit Recovery Inc.
416-774-4150
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RE: TCR Natale

Postby Raymond » Wed Jan 31, 2007 12:00:00 AM

Deanna Natale has left TCR under some acrimonious circumstances I understand and her Five Star Mortgage company is shutting down. Please email at: jacksonpoints@hotmail.com for further details.
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RE: TCR Natale

Postby monalise » Mon Jan 22, 2007 12:00:00 AM

I've consulted with at least 6 lawyers and not one of them had suggested to file a default judgement. It's awful when you're not a lawyer or know any legalities ...and never mind self representation in court - the judges hate you for that and will massacre you even if they know you're right! However, I would like to suggest that anyone having any problems with D. natale should conduct an information to privacy search on themselves - I discovered she conducted several property searches on me even after she knew very well that I don't owe any money. And guess what? her husband is a mortgage lawyer - what a nice little set up. I wouldn't be surprised if this family has a swiss bank account! Glen, I would be very interested to talk to you since I don't want to put this matter to rest. Let me know!
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RE: TCR Natale

Postby montyloree » Thu Oct 26, 2006 12:00:00 AM

I don't think it's a waste of time to complain to Consumer Protection, especially since they're the regulators of the collection agencies act etc..

While it is time consuming and seemingly fruitless, consumer protection needs to know what the problems that people are having with collection agencies in Canada.

My experience with all Consumer Protection agencies in CAnada is that they're not moving quickly on credit issues because most people don't know to complain to them. Provincial Consumer Protections aren't very experienced with dealing with these issues.

Case in point... when I first spoke to Consumer Protection in Saskatchewan about credit repair on behalf of a client, they had no idea what I was talking about. I spent several hours with their counsellors and managers in trying to help them understand what the credit bureaus and collection agencies were up to. They had very little experience until that point. I had the same experience with most other provinces.

Nova Scotia doesn't even have any regulations for credit bureaus. If nobody in Nova Scotia complains about their credit, their certainly won't be any reason to develop regulations for credit bureaus.

Glen,
Please let us know how you are making out with your Law Society complaint.

I would love to be able to work with a lawyer or two who have the same desire to do some work in the courts to develop precedents for these cases. That's really what is needed. However, setting up a civil suit in Provincial Court is expensive. The creditors and large companies would easily be able to defend as they have the resources to.
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RE: TCR Natale

Postby Glen Dixon » Thu Oct 26, 2006 12:00:00 AM

I'm currently taking Ms.Natale to court and filing a complaint agaist her with the Law Society of Upper Canada. I'm not too sure why you didn't go back and file a motion in court to overturn the default judgement against you and ask for leave to file a defense because you never received a statement of claim from her in the first place. That would have at least halted any outstanding garnishment and writs against you and started the pretrial negotiating process which you were denied the first time.

And if you can show reasonable evidence that she wilfully concealed the various court documents from you that would be another matter involving a breach of professional standards for a lawyer. This is assuming that she could have reasonably known where you lived and weren't hiding from her. In my case, there is evidence that she knowingly sent it to an old address full well knowing not only l that I had moved a long time since but also what my new address was. Likely one of her standard modus operandi tricks.

As for writing letters of complaint to the Ministry's Consumer Protection Branch, it would almost certainly be a waste of time, in spite of the bang up job that guys like Freeland Manchester claim they're doing. This is irrespective of the influence peddling of this woman (not too sure what Peter Mackay would call her) and her mom. My experience is that it's just a bunch of people shuffling paper in a hopeless beauraracy waiting for their pensions to come through. Yes, the odd person gets their wrist slapped from time to time but to even do that you might have to take days or weeks off your life.
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