I believe the privacy officer at cbv is also the ombudsman.

privacy@cbvcollections.com

Yeh, that's one part of the problem not much can be done about for the next 4 years or so - insofar as it will be on your credit reports for a total of 6 years. Maybe they can't sue, but they'll try to screw up your Equifax and Trans Union credit reports. As well, it's going be hard to renew your mortgage (if you still have one) with a mainstream lender.

As for demanding your tax return or anything else? Laughable. Unless it's the result of a Small Claims Court judgment subsequent motion order. (Not the case here.)

But whoever, owns or is assigned this debt is going to bug you about it for quite a while so be prepared for all sorts of BS. Being a pathological liar and bullsh**** is the one essential requirement for any collection agent. Besides hoardes of them, just off the boat, are desperate and will say anything for a few extra dollars commission. Why do you think CBV locates all their offices across the street from subway stations?

Thank-you SO much for the info..at first I owed Sears..then last month I guess it went to CBV..and she told me today that I have not made a payment in 2yrs...besides being very nasty and yelling at me that I should tell my husband and that she will find out if my name is on the deed..these people are SO nasty..why can't they be nice? Oh she also wanted me to send her a copy of my 2010 taxes..I kept telling her that I have NO monies..but she kept insisting..I finally said that I was going to call the ombudsman and politely said good-bye.She said that she would make it impossible for us to get any kind of financing for our home in the future..not a lien as I said earlier. I am not working and am 64.
Bonnie

There is no ombudsman for CBV you can access. A flagrant violation of the law. Contact Brian Pitkin's office at 416 326-8802, and maybe he'll give it too you. But, don't expect too much more.

If it's been 2 years or more it's stats-barred in Ontario. But they can still call you about it forever - unless you send them a registered letter requiring future contact by mail only.

Needless to say, they could only sue you if the limitation period hasn't passed, and your name also appears on the deed.

Most "ombudsman" for collection agencies are there for show to meet PIPEDA and other regulatory requirements. In fact, their rotating boatloads of undocumented workers steadfastly refuse to let you know who they are -assuming they're aware of what one is in the first place.

Unfortunately, most of their collectors come from far off lands where compliance with the law is not a top priority. If you don't believe me, call them up and ask for their compliance officer.

Also note, CBV also buys debts under the registered name of "CBV Factored [XXXX] (Telco, Visa etc)." They then own the debt and Sears would be out of the picture. As the debt holder, CBV is the new principal and therefore exempt from following the Collections Act of Ontario. However, CBV Factored XXXX has their collection division, CBV, collect for them and thus they are still subject to the Colllections Act. Not sure if this applies to you.

are there such persons? please give me the phone number if so..CBV are VERY ignorant..the woman told me today that I MUST tell my husband about MY debt (no he does not know about it)..then she told me that she was going to find out if my name was on the house deed and put a lien on our home. I owe Sears $8000. and have not made a payment in 2yrs. as I have NO money.