• Total Credit Recovery Gets Slapped -$4400 Fine!!
    Here's an article that many of you have been waiting for!! Carole Roach takes Total Credit Recovery to small claims court in B.C. AND WINS!!. This matter had to go as far as the B.C. Supreme Court!

    DISCUSS:: Carole Roach Success vs Total Credit Recovery here:

    This is encouraging to everybody who has been harrassed by a collection agency!

    Globe and Mail - Total Credit Recovery gets slapped!!

    I saw this mentioned over at
    Ask a Bill Collector's Blog

    Collection agency slapped for being too aggressive

    CP
    Vancouver -- A credit collection agency has been ordered by the B.C. Supreme Court to pay a woman it harassed over a Canadian Tire credit-card bill.

    A small-claims court earlier ordered Total Credit Recovery to pay Carole Roach $4,400 minus the $1,200 she owned to Canadian Tire after falling behind on her credit-card payments.

    Total Credit appealed the judgment, and the higher court reduced the award to $1,585 saying there was no reliable evidence that Ms. Roach lost her reputation, but confirmed Total Credit used excessive and unreasonable pressure in attempting to collect the bill.

    The court heard the company called Roach's workplace leaving urgent messages and faxed documents to her employer. CP

    I would like to congratulate Carole Roach for taking this collection agency to small claims court and winning!!

    Other Links to news articles:
    Credit card agency ordered to pay woman


    According to CBC.ca - Carole Roach vs Total Credit Recovery
    A 60-year-old Vancouver woman who suffered harassment by a collection agency has been awarded $2,000 by the B.C. Supreme Court.

    Carole Roach owed $1,200 on her Canadian Tire credit card, and claimed she was put under undue pressure by Total Credit Recovery (B.C.) Ltd.

    The agency contacted her at home and at work several times about the bill, said her lawyer, Jess Hadley.

    "They phoned her at work and faxed her at work, and really stressed her out quite badly. And they persisted in calling her and contacting her even after she'd written a request asking they only contact her in writing.

    "And that's something she's entitled to do under our consumer protection legislation, and they basically breached those protections."

    Under the Collection Act, an agency must not put unreasonable pressure on the person in debt, their family or their employer.

    The legislation also forbids calling the workplace except to confirm employment.






 
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5 Comments
On Apr 14, 2011, SARAH Said:
FOR ONE THING, IN NOVA SCOTIA, COLLECTORS ARE COMPLETELY ALLOWED TO CALL THE POE..AND ACTUALLY HARASSMENT IS WITHOUT JUST CAUSE, MOST DEBTORS OBVIOUSLY OWE MONEY WHICH IS PERFECT REASON TO CALL THEM EVERYDAY. DONT WANT THE CALLS? PAY YOUR BILLS, AND I KNOW IT'S DIFFICULT TO HAVE SOMEONE TRY TO HELP YOU GET OUT OF COLLECTIONS,MUST BE ROUGH. DON'T LIKE IT? THEN LEAVE YOUR NAME IN COLLECTIONS,THAT WOULD BE MUCH SMARTER. MAYBE IF THE PEOPLE WHOM OWED THE MONEY WOULDN'T HAVE SUCH BAD ATTITUDES,THEY WOULD GET THE HELP AND RESPECT THEY DESERVE.
On Jan 5, 2011, Rhianna Embury Said:
TCR calls my husband EVERY day at work and the man told my husband he was "sick of playing his little games, and to grow up!" We agreed to pay him $500 a month and he still calls our house at least 10 times a day and leaves nasty messages! He says 500 isnt good enough and that we need to pay more a month! We have 4 kids and my husband and I BOTH work just to make ends meet. 500 is a REAl stretch for us but we just want this to go away!
On May 22, 2009, Terry Best Said:
I wish TOTAL CREDIT RECOVERY WOULD STOP CALLING ME AND HARASSING ME. They keep calling me and asking me for some man's name by the name of XXXXXX..and, each time it is a different person on the line. How can I get them to STOP calling me? Please DO NOT give these IDIOTS my email address.
On Sep 15, 2008, Alice Said:
These people are still breaking the law. At least 2 different types of violations and 5 or 6 instances of breaking the law.
On Apr 25, 2007, laura Said:
That's great new, I wish more people had the resources like she did.
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