Any idea of the address for the TD Visa Ombudsman etc?

These letters will go out tomorrow!

OMG...that's so helpful! Thank You!

I didn't realize that there actually was an ombudsman at MBNA!

So much helpful information! Thank you, thank you!!!

Here is another approach I used when I tried settling my debts. I would fax your letter to the ombudsman department at mbna. I would state in your letter that you are considering filing for bankruptcy and you need a senior manager from mbna to seriously look over your matter and dealing with a collection agency is not an option.

MBNA Bank Canada Ombudsman
P.O. Box 9629,

Ottawa, ON K1G 6V1
Tel: 1-877-405-6262

Fax: 1-866-338-1041

Thanks a_j!

I'll get on that tonight!

Question though...I actually contacted MBNA to ask them who these ARC people were and they told me they had no record of my account as it had been closed. I, being trusting and somewhat gullible, believed them. I did keep asking to speak with managers etc. until I got to someone who claimed to be big mucky-muck. I know I was getting the run-around, but I really don't know how to get beyond that by phone.

Maybe someone reading this can help me with a name for someone in VW Credit, Canada?!?! I've been composing a letter to them as well but they are more secretive than any group I've ever encountered.

If you have written letters for legal purposes before then you will be fine.

.

I would write you letter of hardship and also include your medical letter from your doctor and send it off to mbna collections department. I would call and find out who the senior or manager is in their collection departments and they might ask you why and tell them you are considering filing for bankruptcy if you can not get your department to look into my matter. The 10% settlements or close to them need to be decided by the creditor. The collection agencies will give you the run around and it will be a waste of your time. If you run into a road block at mbna let me know, I might be able to give you another option.

Oh...btw...My MBNA Mastercard is now in the hands of Accounts Recovery Corporation (Regina, I believe). Visa, I'll need to check, and of course, CCRA. Any contacts you could help me with would be GREAT!
Thanks!

Okay average_joe! I think you've just shifted my focus again. Besides a bankrupcy trustee, how would I find someone to write these leters? I have been told, even by lawyers, that I write exceptional letters, and I have done so for legal purposes before. Perhaps I simply need an editor?

I'm not worried about the collection agencies...they're a piece a' cake compared to the feds! lol. I listened to a podcast on this site today about dealing with them and getting the debt removed from the credit bureaus. If that could work, then I'd really be interested in this tack!

I think I've just developed a wee bit more spirit and a sense of the mission! It might actually be do-able!

To be 100% honest...the thing about bankrupcy right now is my car...my stupid car. I see clients on site and I have to show up looking presentable. As it is now, I've been turned down by VW Canada for a new lease (current one done in May '10), although my payments to them are up to date. I had been hoping that they'd base their decision on my past history with them and not dredge up the rest (which are inconsequential in our immediate dealings).

If I declare bankrupcy now, what will I do come May, when I need to turn in my car? I suppose I could get a lease from a high-risk company, but at this point, it's money out the window and I don't know how my bankrupcy period income would be affected.

Damn. I hate this.

The bankruptcy trustees rather see people file for bankruptcy and make their money then help people in other ways. Here is what I would do and at least at the end of all of you tried if it fails. I would get someone that knows how to write these types of letter to revenue canada and see if you can get the fairness package. I would also write to the creditors and offer them 10% to settle in a one time lump sum payment and let them know if they refuse you will have no choice but to file for bankruptcy. I would make sure these letters are read by senior manager and no lower level workers. If you can tell me who the creditors were I might have some information on file if I settled with the same companies.