Ultimately you have to give the collection agency a motive to do something for you. They usually won't do anything unless they're really motivated.

Sometimes contacting their regulatory body... IE consumer protection will be the stick that you need to get your letter.

It always puzzles me that a collection agency won't give you a receipt for a payment.

Collection Agencies are required to keep strict accounting of what they collect. So they must have record of your payment and should be able to give that to you upon request.

ok sure hope this works ,I have everything got rid of nothing
Thanks so much for your help

Ah... you've already paid them. Do you have any receipts/cheque stubs etc?

Contact them and Canadian Tire. Also, contact the credit bureau with any proof of payment you have.

I have asked that they send me a letter stating it was paid in full
that was back in may 2007 and have not received nothing .do you think I should start phoning them morning, noon and night from a pay phone they do have call display I still have everything they have sent me and letters I have sent them, I am stumped I don't know what to do should i phone Canadian tire and get something in writing from them

Fraid so. Once it hits collection agency status, there is no credit score benefit to paying the debt. What you would need to do is get agreement... in writing... for the collection agency to remove the debt from your report entirely (and I don't trust CRS, even with the letter to remove it), and from the credit card company to change your status from "written off" to "paid in full". The missed payments will still remain, but with the account marked paid in full and the collection removed entirely you should be OK.

CRS will try to push you around and will use illegal tactics. Keep track of all phone calls, who you spoke to, and what was said. Save phone messages if you can.

Hi

I have a Question, and hope someone out there may be able to help me. Ok here I go I had a Canadian Tire M/card that went to Collection ( Contact Resource Services Inc), I went got a loan to pay them off and then I was told this stay on my create report for 6 years from the date that I paid them off is this true?
Thanks