Why would I PM you about this when it's a public forum?

If something looks rather spammy, then why shouldn't it be said in a thread? You don't NEED to make 5 - 10 posts a day here but you seem to want to for some reason. And it MIGHT be somewhat annoying for people who don't want to weed through useless posts here.

For example, your post below says in your experience the majority of agencies don't have legal departments? What's that about?

CBV, ARC, Global, NCO, CRS and TCR all sue debtors on behalf of financial institutions in Canada. Those are the largest agencies running currently, they would account for at least 70% market share on bank debts if not more.

Just an example, but the overall message I was trying to convey was that you may not need to post in every thread possible whenever you feel like it.

Its not a matter of requirement, its more of a requirement from the industry as my understanding.

Listen, I don't know why you can message me about this in a private message. Yes I have posted a lot recently because I want to answer questions people have. And yes, I have setup a blog which has information about how collections work. I have done both things because I have experience working in the actual industry.

No, you didn't need to add that rawdebt.

You have a lot of posts here in the last few days, most of which I would NOT consider 'valuable' advice in any way.

It almost appears that you just want your blog signature to appear over and over again hoping people will read whatever blog you've created rather than offer actual advice on subjects that you have knowledge of.

A low value creditor like Canadian Tire would not require something like phone calls to be recorded. There paper is quite crappy considering they lend to almost anyone, so their concern for agencies following 'rules' is also going to be less than that of any large financial institutions.

If I may add, most likely the company records all their calls, so the ministry may request to hear this. You can even complain to the creditor and they too may request a copy of the recording.

Just contact consumer protection in Ontario and report the collector for third party disclosure.

The 'recording' (if one exists) can't be used in any type of court but once consumer protection investigates the complaint they'll usually simmer down and bother someone else.

If they sent the same letter three times, it's pretty obvious they're just sending letters to show they did something on the accounts. Phone calls and letters are all they really have for the most part, so they're pretty much stuck with doing the same things over and over if someone doesn't buy into their threats.

That is a bit weird, you should contact Canadian Tire and get to the bottom of this.

Does the letter say legal action or does it just say they will take "further action"? Because there is a big difference between the two.

In my experience, majority of collection agencies don't even have a legal department to start with. Also, even if they were to pursue you legally, they would need authorization from the creditor. Plus it has to make sense, financially for the creditor to take legal action. From my experience, it is usually for balance that are 4 figures at least and even at that point they have to investigate if the debtor has any assets.

re questions:

Has been in collections since at least dec 2009. I make payments each month to Canadian Tire even though they will only send me a statement every 6 months or so when I request. It seems that Canadian Tire is receiving the money. I do not make any payments to Contact Resource Services in any way.

After the phone calls they sent me a letter stating they would be taking legal action. This is at least the 3rd time I have received a letter regarding legal action.

Ok, before breaking this down for you, some information is missing here.

Has this debt been in collections for a while? Do you know if its written off?

Do you pay monthly to Canadian Tire now?

I will address the numerous phone calls in the next post, because that is grounds for filing a complaint for harassment and making false statements regarding the court.

Again, Contact Resource Services called.

First thing the girl on the line said was: Can I speak to so/so. Said I was the person, then she asked how I was today. Asked her why she wanted to know.
Said she was calling from Contact Resource Services and that I had broken a legally binding contract with them. (As far as I know Canadian Tire is still the one I owe as they are the ones who accept the payments every month)
She just kept talking and finally I was allowed to say that the payment that was being paid was all I could afford, because I only had 661.00 per month coming in and still no job in sight. Explained what was required to be paid out of the monies: ie: prescriptions, life insurance, car insurance, payment to another credit card and payment to Canadian Tire.

She just kept going and told me again about breaking the contract. I explained everything to her again, and then finally told her goodbye and hung up. She called again, no answer.

Phone calls were at: 5:39, 5:45, 5:46, 5:47, and 5:50 which was answered by a family member. The girl asked for me and the family member said that I was not home. The girl said that I was home she had just spoken to me and that I had basically broken a legally binding contract and owed over $7000.00 to them. The family member again said that I was not home and the girl basically called the family member a liar, and also called her sweetheart (we are assuming in order to see if she could find out more info) The family member asked her did she just call her sweetheart and she said if I had your name I would call you by that instead, family member said no need for them to have their name.

Girl from Contact Resources Services said all the phones calls were recorded and they would be used in a court of law in front of a judge.

Again family member stated that I was not home and hung up.

They again called and no one answered and finally gave up calling today, no message left this time.

If they are actually recording the phone calls as they say and that the actual recording would be heard by a judge would you not call that harrassment on their part. And should they have given private information to a third party even if they are family?

Curious as to what I can do here in Ontario.
Thanks for any help regarding this company.