yes...make sure you state also at the beginning of your call the date, time and the name (hopefully the last, too, if they'll tell you) of who you're talking to...it helps when a complaint needs to be made...also be sure you TELL them they are being recorded...it cannot be used against them if they don't know they're being recorded.

I found out many things about collection agencies in my time:

They cannot refuse to take payments on student loans (don't know about 407, though!). They cannot sue you...only the original creditor can. They cannot tell your children, spouse, parents, maid, butler, roommate ANY confidential information, it is a violation of the Freedom of Privacy act. They are supposed to give you something in writing before collecting money...AND they have to produce original proof of any documents supporting the debt (like signed contracts, loan papers, cardholder agreements,etc.). Nine times out of ten, they don't have this info and end up passing your file to another crappy agency who tries again, and is unsuccessful because YOU are educated in your rights.

These people are ruthless !!!!!! You must also be the same.....

A link for Circuit City - Tape Recorders In case anybody needs one. lol

That's the way to do it Charlene...
Let them know you're recording the conversation. Make it a point to have the collection agency clarify any points that you didn't hear properly or understand properly.

Not only will this slow down the conversation, but it will help put you in the drivers seat.

That is great news that you're doing this... I hope everybody will read this post and use your example.

(If you don't have a tape recorder, you could imply that you may be recording the conversation and that the caller should be careful what they say.

iQor, Inc formerly iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency - Canadian Bonded Credit Limited - Now Iqor Collection Agency also collects for gov't student loans. Really nasty people. The best way to make them be nice....go to circuit city and buy a personal tape recorder. Right at the beginning of your conversation, make sure you tell them you are recording the call for quality purposes (isn't this ironic, they claim to do the same!!!!) Half the time they will hang up on you...the other, they are VERY careful what they say because you have proof that they are being harassing in their collection tactics.

I have them calling me again for 407 etr. It's pretty bad that you have to protect yourself like this, but if you have to make a complaint about an agency or individual agent, having the correct ammo really helps.

well i got a letter ion the mail that i have to pay $50.00 due to some charges i was on..but wait i was never told that i have to pay a fine when i was in court i just has to keep the peace and be on 12 months probation...so i thought that i would call them and find out whats up...so i did OMG as i read the other post i was think yeah right these ppl cant be this rude well well well i guess i found the truth...first they hung up on me when i was try to find out what it was bout so i then had to call again and then she started to yell an say stuff to me i was like i am only trying to find a way to pay this and you are tripping aboout what...i then told her i was on a fixed income and only get $250.00 a month and i also told her i take that money and buy my food with and trust me that is not even enough to get me thought the month...she then was trying to tell me that all i need is $200 to buy food with and I was like yeah okay can i come to your house for dinner then she told me to F**K off i then asked to speak with someone higher then you...a man picked up the phone i then told him i wanted more saying i owe this money cause i was never told aout it he said nothing i als told him that i was going to call my Lawyer and the man on the phone was like no there is no need to get him involed...mmmmmmmm now that sounded a lil fishy to me dont you thnk?????I have called my lawyer and i am waiting for his call back...but if there is anyone that can help me on telling what can i do about this..and what can be done about how these ppl talk t us....thank you all so much...