Last time I checked the web site was canadian money advisor, not merrill lynch or washington mutual. What does the hourly rate of an employee of the bank have to do with people paying their money back? You side step all the issues repeatedly and the disheartening thing is that there are people on these forums hanging on to your every word. Call me what you will, your opinion has been set in stone for quite some time. You keep bringing up the construction worker or the single mom raising 4 children, in the case of the single mom, was that used as an excuse to obtain the credit? So why is it than being used as an excuse/reason to not repay? The construction worker accident is a little bit more sensitive Ray, I'm not an idiot, so please don't play me like one! I do commend you though on your constant efforts of sidestepping the issue all the time by raising irrelevant issues not related to the collection industry at every given opportunity. Typical as well to start with name calling, that seems to be the only advise you can give other than to refer people to websites, I know I am just another collection agency parasite, but hey I, and this is not directed at anyone at all (before you jump down my throat again), can sleep well at night knowing that I have done the best job I know how.

Yep, even the Devil can quote Scripture.

Ray

You're asking a guy like this TUPAC23 to think with logic and compassion. Ain't gonna happen.

Kind of interesting how these stiffs get all out of whack when someone, because of an accident or job loss, goes belly up on a credit card for a few grand. But when an endless list of CEO's whose companies are tanking, make off with hundreds of millions of dollars in severance packages (like the ones at Merrill Lynch and Washington Mutual week). In many cases, they're the ones who precipitated the need for a bailout in the first place, but not an eyebrow gets raised.

You'd think that shareholders would complain about the Canadian bank CEO's who get a $10 million dollar Christmas bonus, whether or not they made their companies made any money; but no. One would also think the average bank teller making 14 or 15 bucks an hour, and multi-tasking the work previously done by 2 employees so the CEO can get a megabonus every year would also complain. But no, they also don't because, typically, they are well insulated from what happens at the top. What they do see is some construction worker with 4 kids who defaults on his Mastercard because he had an accident and can't survive on Workman's Comp.

The bank or bank's collector doesn't want to understand that their credit card interest rate of 19% to consumers and 4% to the merchants more than offsets the annual 2.5% default rate. The construction worker couldn't help getting in the accident. Nor did he likely want to default on his credit card, yet he had no choice. He didn't set out to screw the bank, but can the same be said for the bank ceo's who bailed out with $20,000,000 severance packages last week?

Ray

Don't read the Bible, being a Neo-Pagan and all that.

And yes, I have been reading exactly what I was typing out. Ya know, I have to, since I'm the one typing it.

The fact that *you* think there is no honour here is *your* issue. *You* are the one who seems to think we're all here trying to get out of paying our bills and outstanding debts. Which is *not* the case, NOT at all.

It clearly means that you are NOT grasping what people are saying. It means you've missed the boat, logic escapes you and you have the barest minimum in terms of a grasp of the Queen's English in it's most basic form.

So don't sit there on your overbred high horse and brand us all theives and debt dodgers. We are not. And never have been.

Wow, have you been reading what you have been writing yourself? If all of you recall credit is based on the honour system, and as far as all these posts seem to read their is not much honour. I believe it was in the Bible when Jesus said "pay unto Caesar what is due to Casear"! Nuff said I'm outta here!!!

What the fark are you yammering on about now? Have you not actually read one single word I took the time to type out here or what?

Probably not. Real life seems to escape some people.

Whatever.

The old adage applies here my darling, can't beat 'em join 'em!!! Boy oh boy you just aren't happy with anything are you? I wasn't telling you off by the way vampchick21, just simply stating that maybe instead of spending so much time looking up your rights and how to defend yourself, to simply recall that when you were being issued the credit you didn't forget that you were doing so or complaining that you would not have the means to pay it back, that's all! But as you so eloquently put it, whatever. BTW what protection do the credit companies have with regards to their money being repaid? Oh that's right they have to just accept that you will pay it when you get around to it!!!

Well, Tupac, if you can take a break from chasing ambulances and single moms with 4 kids working for 14 bucks an hour trying to put food on the table for theirs, maybe you'd like to take me up on my $200,000,000,000 offer of naming one collection agent or agency that's ever lost their licence. Name one and quicker than you can say, "Brian Pitkin Protects Consumers," the money is yours"

The difference is that your "targets" are trying to put food on the table, not a Porche in the driveway like your colleagues and flunkies.

As for the 1081 posts (actually 1051), I figure it's time well spent if I can save disadvantaged people money they badly need for the necessities of life, like rent, food and clothes. Unlike you, I have no ulterior motive, only their well being. If can save a them a 1000 bucks from being taken advantage of, then I consider that sufficient reward in itself and time well spent.

Ray

Loverly switcharoo there darling. You go from telling us off for complaining and 'not paying our bills' to rooting for a class action lawsuit. Whatever.

We ALREADY have protection against them, such as it is. It's called the Collection Agencies Act, The Consumer Protection Board and Better Business Bureau.