The question is..while the letter is amusing... can you support it in Canadian courts...

Which laws would this fall under.

NeverLand... has this letter been used in court? If so... what was the results.?

DOES THIS LETTER REALLY WORK? IS THIS FOR REAL? WOULD IT BE TAKEN AS RUDE ? PLEASE LET ME KNOW IF THIS IS A JOKE.....

This letter to "collection agents" stops the harassment:

One of your subordinates, who refused to identify herself, telephoned me, saying I owed one of your clients, due to an outstanding debt. She admits you hold the paper which tells me that you bought the alleged debt.  Ergo, the 'client' no longer has proof of claim. If I were to bring said client into a court of competent jurisdiction, they could not bring forth anything but a false claim which is in violation of the Criminal Code of Canada ©  §362.1

You have bought a 'bad debt', meaning: one which the alleged creditor cannot prove is valid. That is the reason they sold it to you. I suggest you request a signed statement from your client wherein he swears, under his full, personal, commercial liability, that I, the principal on the account, owe their institution.  I promise, they will refuse you. Accordingly, I couldn't possibly owe your client. Now, you intend to hold me responsible for paying YOUR debt. Yet, your company and I have no contract and, since all law is Contract Law, accordingly, I couldn't possibly owe you, either.

Millions of people are quickly learning that the only ammunition that you third-party debt collectors have is intimidation. Threatening that you will apprise the credit reporting agencies of a ‘bad debt’ is unlawful: it is illegal to report false information and making threats is in violation of §346.1 of CCC©. You have no verified claim. Would you pay someone who, over the telephone, claimed you owed him money? I wouldn’t either. Your only contract is with the original alleged creditor. If you bought a debt, that's too bad, because at that instant, the matter ceased to have anything to do with me. 

Have you noticed that when you ring me, I am at home and you are at work?  This is because, unlike you, I have learned to live without having to 'slave-labour' for 'money'. 

It is only a matter of time before everyone catches onto this and you ALL will be looking for honest work and that is only because you still believe you have to 'earn your living' ... and that is due to your refusal to learn how to set-off debt, simply, lawfully, honourably.  

"The ultimate ignorance is the rejection of something you know nothing about and refuse to investigate." - Dr. Wayne Dyer

Do not ring this number again. If you do, I'll apprise the original alleged creditor that I am appointing you as fiduciary debtor and, via your contract with them, YOU will be liable for payment because you are the one HOLDING the obligation. Do not accept legal counsel from attorneys who will tell you this is inaccurate.  They have a vested interest. Subsequent telephone calls will be construed as harassment which is in violation of §372 of CCC©, making you liable for a punishment of 2 years in prison. 

Additionally, sending unsubstantiated demands for payment via Canada Post constitutes mail fraud under section 381 of CCC©, also punishable by 2 years in prison.

Do yourself a favour and read:  How I Clobbered Every Bureaucratic Cash-Confiscatory Agency Known to Man .... A Spiritual Economics Book on $$$ and Remembering Who You Are - www.spiritualeconomicsnow.net/solutions/How_I_06.pdf
 
Blog:  www.spiritualeconomicsnow.net

***

MBNA Canada have their own collections department Mike and beleive me they stop at no lenght. They won't send you to a collection agency but rather file in a court of law for their money owed.

This is happening right now with my roomate but as I stated above they will go to any lenght.

I've done a little experiment. If you hang up they can stay on the line but if you unplug (which I did at the main source in my basement) it breaks the connection but it didn't work for me he still was on the line. Oly someone with the know hows of the internal works of the telephone system or of a telephone phreaking nature can take over a land line.

Right now I have Pitney Bowes investigating this strange postcard that showed up with name on front and a simple phone number on the back which is not in service. For anyone who gets these kind of things here's a tip. After the PB there are 10 numbers. You can call Pitney Bowes at 1-905-219-3000 and get them to do a trace to the sender (compnay). This kind of mail can actually constitute as mail fraud.

Sorry I got off topic here but as to a referral to a collection's agency Mike no, they have their own internal collections department.

Hope this helps

I was a student in the US for several years and have an MBNA America credit card (which has now become Bank of America credit card). I moved back to Canada several years ago but kept the US credit card open. Through the years my credit limit went up to $13,000. In recent times I have had financial troubles and pushed the debt on that card to almost $10,000. The interest rate is a whopping 24.5%, with monthly interest almost $150. I have not been receiving statements in time either, so my payments were sometimes late for which they charge $39. Due to my financial problems as of late, I have been having troubles meeting the payments. My question is, what happens if I cannot continue paying? Will they refer it to a collection agency in Canada and will this end up on my Canadian Credit Report? I know that US and Canadian credit reports are separate matters, is it the same with unpaid debts? Any feedback is appreciated.