Collection Agencies - A little Advice - Canada

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RE: A little Advice

Postby angella » Mon Feb 04, 2008 10:14:47 PM

Gillian, are you actually from Edmonton? (Don't answer if you don't want to... or you can PM me)
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RE: A little Advice

Postby gillian25 » Mon Feb 04, 2008 09:45:40 PM

agree with angella... completely. Currently I am having them removed from my Credit Report for moving dates of activity forward. So keep track of the last day you made any payment on that account.
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RE: A little Advice

Postby angella » Tue Feb 05, 2008 09:34:46 AM

CRS tells everyone they're going to court. I've received calls from "Mrs. Miato" from the "legal department" who was "reviewing my file with the solicitor for legal action" and urging me to "govern myself accordingly and responsibly". I've received the same letter you have... holding them all for evidence as it is illegal to threaten legal action if you do not have authority, permission, and/or intent to sue (they have to do that within 2 years or the threats are illegal). I even received a letter that was CC'd to the Audit department "to conduct a search for real estate"... that one was the funniest. I still have that one as well... held for the judge to see.

They will likrly list it at the credit bureau, but they will likely (if they hold to the mold they set with me) re-age it... and they will do so as often as they feel they can get away with it.
Watch them closely and keep everything.

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RE: A little Advice

Postby FociPhil » Mon Feb 04, 2008 07:29:23 PM

I can provide a little insight into the rogers thing. I used to work for them.

Were you on a contract with Rogers? becuase if you are, then regarless of your usage of your phone, they can bill you each month. If you signed, for example a 3 year contract, and dont use it after a year, they can still bill you for 2 years after, becuase you agreed to it.

As a collector, I would never refuse payment. If I told someone "this is way overdue, it has to be paid now" and they said, "ill give you 10 bucks a week", I would say yes, as long as they stick to it. Maybe I was more understanding them some collectors. But nobody should refuse any payment.

I would call Rogers, or the collector and work out a payment plan. They will probly treat you like garbage and say no, but ask them where you can send payments to, and track it, becuase some money, is better than no money.

Hope that helps
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RE: A little Advice

Postby gillian25 » Mon Feb 04, 2008 07:00:57 PM

First I would find out if the CRS has reported it to the credit bureau's Equifax or Transunion. You do not have to pay them however you risk getting a collection account on your credit report for 6 years and there is a VERy very very slight small slim.. probably never chance that they could take you to court.

Seriously i have recieved NUMEROUS threats over the years that if i didnt respond immediately that they "may" (but never) will start court proceedings. I have recieved the great Red Seal Fake court document from Ray's favorite lady or was it Silverthorn? Don't be intimidated by these threats.

CRS are by far the WORST unprofessional operation out there...

You should read some of the stories on here about how they handle their accounts and debters .. its pathetic.
Oh and on that note.. CRS has a new phone number that showed up on my call display recently.. I was somewhat confused as it was not a toll free number but an Edmonton Alberta number.

1-780-328-6135.
The lady who called, left a message and stated she was from CRS and she had some important documents she wanted to go over with me.

Well I called back the number and I have called it back at least 20 times and the voicemail is full...
Then i went as far as calling one of the head office numbers and they had no clue who from CRS would be calling me from that number. They stated that there is no CRS number like that.
Maybe this new CRS chapter is just a bunch of bored pre teen kids in Alberta pranking everyone across Canada.

Oh and if you do a google search on this number. Im NOT the only one who can't seem to get back to them.
Oh wait maybe they are busy to clean off thier answering machine because they are "filing my "court papers" or too busy in their crime lab conducting an "Investigation" of my account.

what a joke.

gillian :D
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A little Advice

Postby Scoopable » Mon Feb 04, 2008 06:21:47 PM

Well I got a letter from CRS today saying I owed $1024. For my Rogers bill. Now I am a young male, living far from home, and on my own. My grandfather died last year and going home for the funeral cost me a fair bit of money, I called Rogers asked for my phone to be turned off because I'd have trouble paying my bill for the next while and i got a cold shoulder, and the bills kept coming. Tried paying it down for awhile but then my phone was not getting services and I kept getting billed the exact same amount added on each month (and i wasn't even using the phone, I couldn't).

This letter informs me that if i do not pay up soon or work out a way to pay them they will seek legal action..

I am actually worried, but reading some of the things on here actually make me think I have a chance.

Is there ANYTHING I could possibly do, to get rid of them, do I have to pay them? if so, do I actualyl ahve to pay that ammount?
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