In lieu of writing a post about personal finance for Canadians, I thought I would post some of the letters I receive from our readers.
I do appreciate people writing in and asking questions. I need to redirect people to our discussion forums. I have set up the discussion forums for people to post their questions, and do so anonymously.
Where as I would love to answer everybody's emails, I need to pay the bills. It's not profitable for me to answer people's questions at no charge. If I get the time, I'll answer questions in the forums.
NOTE: I've changed the names and account numbers to ensure that everybody's information is private and confidential.
Again, if you have questions about your credit, or are having problems with collection agencies etc, please post your questions in the discussion forums.
I do appreciate people writing in and asking questions. I need to redirect people to our discussion forums. I have set up the discussion forums for people to post their questions, and do so anonymously.
Where as I would love to answer everybody's emails, I need to pay the bills. It's not profitable for me to answer people's questions at no charge. If I get the time, I'll answer questions in the forums.
NOTE: I've changed the names and account numbers to ensure that everybody's information is private and confidential.
Again, if you have questions about your credit, or are having problems with collection agencies etc, please post your questions in the discussion forums.
Hi, I am trying to find out if there is any way I can stop Natale Law Offices from calling my number. The person they are looking for does not live here yet they contiue to call. Any suggestions?
Thanks,
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I have been contacted by Natale Law Offices regarding an outstanding debt for Eatons from 7 years ago. Upon doing a search I was lead to your website. Just trying to catch up here. Are they a legitimate company? Should I be paying them any money? How do I find out?
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i would like to know how can i fixed my credit?
i'm really frustrated with my credit and don't know where to start.
____________________________________________________
I am having a 'terrible' time with my I.D. I was baptized in the 'United Church' in Prospect, Ontario, under the name of X L Y (name changed), which I used for my student life until I had to go to Teacher's College; then I needed a birth certificate (I suppose it was a method of uploading onto computers-launched in '66-I took a course in '67) I got my birth certificate 'laminated'-the 'ministry' responsible said that since I obtained it as 'laminated' it is not necessary to 'obtain' a new one that is 'not', as they are currently required (my son's is 'not' laminated)
I entered university as R M P (Named Changed). I received my 'degree', I suppose once they 'uploaded' it (she said that they would send it when they did and did) By that time I was 'resitered' at Teacher's College (having obtained my birth certificate) under R M P (by the time I received my birth certificate-which was required to go. (They accepted that they would register me anyway as long as I was obtaining it. I did not obtain the 'certificate' right away and (I was able to 'receive' it at any time because I was 'automatically qualified) received it under C W T (Name Changed). Now the letter I received from the college (I had asked that they verify that I did not have to write any exams because I had to go to work 'immediately' having not been accepted from college-it was a work-to-rule strike that year (as I suppose it is now called) and I had offered, very comically really, I suppose - I do know now what they were trying to do at the age of 'almost' 60-to do stuff during my lunch hour. Words were passed one to the other 'interviewer'.
Anyway, to be frank with you, I started paying back my loan at $35/week, more than required at the time (I like dealing in round figures) and paid the 'account' off early. When you wree unloading in '78, you may have 'brought' me forward from your 'archives', definitely by mistake.
I am 'rendering' my accounts and debts to 'clear' for my will, and do not owe you anything. I do know that your 'situation' with regard to payments in this area had been a problem, even at the 'onset'. That is not and was not my problem. I paid you 'early', in fact.
Please 'archive' and forward to me the fact that I do not owe you anything.
My husband was R S O (Name Changed) and I do know that you did not like the way he was operating his account and that you in fact closed it, perhaps the definition was 'kiting'.
And I am running out of breath.
Please forward the 'paid in full' advise, whichever way you want to and to:
_______________________________________________________
We received a letter that we owe $26.99 for CBCL File # 12-318999xxx5 (Account Changed) on May 5/07. We do not owe this, as I've sold Avon for 14 years and always bought my stockings from Avon. Before that time I bought from Enchantress. Could you please explain.
_______________________________________________________
I'm inquiring about something on my credit report account # ACC - 12-22999xxx5 (Account Changed). I have no idea what this could be and I would like to resolve the issue asap.
_______________________________________________________
Its been 2 days I start getting calls from CBCL and they indicated that I have to pay an amount of $152.10 to my previous landlord. I called the supertendant and he indicated that this was false claim and I have abided by the lease agreement and he will talk to the landlord on my behalf.
CBCL wants a confirmation from the landlord. Which I am waiting to receive from the landlord. My question is will my credit Report get affected with this false claim put by CBCL? All I am worried about is my credit rating which is excellent.
________________________________________________________
I was in Carol Skelton's office in Saskatoon talking to her secretary.
We were discussing a matter concerning NCO Financial Services. She asked me, "Do you know what regulations those collection agencies are operating under? Have you seen guidelines?"
Where could I find a copy of these guidelines? Thank-you.
________________________________________________________
Hi, quick question. Is there a statute of limitations on outstanding judgments with CMHC? The judgment date was November 21, 1996. They started keeping my tax refunds in 2006. Thanks very much.
________________________________________________________
Ever since I obtained a cell phone a month-and-a-half ago, I have been getting recorded messages from CBCL and I am getting royally pissed off!!! Desist from this annoying, crappy behaviour NOW!!!
Thanks,
_____________________________________________________
I have been contacted by Natale Law Offices regarding an outstanding debt for Eatons from 7 years ago. Upon doing a search I was lead to your website. Just trying to catch up here. Are they a legitimate company? Should I be paying them any money? How do I find out?
____________________________________________________
i would like to know how can i fixed my credit?
i'm really frustrated with my credit and don't know where to start.
____________________________________________________
I am having a 'terrible' time with my I.D. I was baptized in the 'United Church' in Prospect, Ontario, under the name of X L Y (name changed), which I used for my student life until I had to go to Teacher's College; then I needed a birth certificate (I suppose it was a method of uploading onto computers-launched in '66-I took a course in '67) I got my birth certificate 'laminated'-the 'ministry' responsible said that since I obtained it as 'laminated' it is not necessary to 'obtain' a new one that is 'not', as they are currently required (my son's is 'not' laminated)
I entered university as R M P (Named Changed). I received my 'degree', I suppose once they 'uploaded' it (she said that they would send it when they did and did) By that time I was 'resitered' at Teacher's College (having obtained my birth certificate) under R M P (by the time I received my birth certificate-which was required to go. (They accepted that they would register me anyway as long as I was obtaining it. I did not obtain the 'certificate' right away and (I was able to 'receive' it at any time because I was 'automatically qualified) received it under C W T (Name Changed). Now the letter I received from the college (I had asked that they verify that I did not have to write any exams because I had to go to work 'immediately' having not been accepted from college-it was a work-to-rule strike that year (as I suppose it is now called) and I had offered, very comically really, I suppose - I do know now what they were trying to do at the age of 'almost' 60-to do stuff during my lunch hour. Words were passed one to the other 'interviewer'.
Anyway, to be frank with you, I started paying back my loan at $35/week, more than required at the time (I like dealing in round figures) and paid the 'account' off early. When you wree unloading in '78, you may have 'brought' me forward from your 'archives', definitely by mistake.
I am 'rendering' my accounts and debts to 'clear' for my will, and do not owe you anything. I do know that your 'situation' with regard to payments in this area had been a problem, even at the 'onset'. That is not and was not my problem. I paid you 'early', in fact.
Please 'archive' and forward to me the fact that I do not owe you anything.
My husband was R S O (Name Changed) and I do know that you did not like the way he was operating his account and that you in fact closed it, perhaps the definition was 'kiting'.
And I am running out of breath.
Please forward the 'paid in full' advise, whichever way you want to and to:
_______________________________________________________
We received a letter that we owe $26.99 for CBCL File # 12-318999xxx5 (Account Changed) on May 5/07. We do not owe this, as I've sold Avon for 14 years and always bought my stockings from Avon. Before that time I bought from Enchantress. Could you please explain.
_______________________________________________________
I'm inquiring about something on my credit report account # ACC - 12-22999xxx5 (Account Changed). I have no idea what this could be and I would like to resolve the issue asap.
_______________________________________________________
Its been 2 days I start getting calls from CBCL and they indicated that I have to pay an amount of $152.10 to my previous landlord. I called the supertendant and he indicated that this was false claim and I have abided by the lease agreement and he will talk to the landlord on my behalf.
CBCL wants a confirmation from the landlord. Which I am waiting to receive from the landlord. My question is will my credit Report get affected with this false claim put by CBCL? All I am worried about is my credit rating which is excellent.
________________________________________________________
I was in Carol Skelton's office in Saskatoon talking to her secretary.
We were discussing a matter concerning NCO Financial Services. She asked me, "Do you know what regulations those collection agencies are operating under? Have you seen guidelines?"
Where could I find a copy of these guidelines? Thank-you.
________________________________________________________
Hi, quick question. Is there a statute of limitations on outstanding judgments with CMHC? The judgment date was November 21, 1996. They started keeping my tax refunds in 2006. Thanks very much.
________________________________________________________
Ever since I obtained a cell phone a month-and-a-half ago, I have been getting recorded messages from CBCL and I am getting royally pissed off!!! Desist from this annoying, crappy behaviour NOW!!!
