Hey Steven C Barr,

Exactly who are you?
Are y'all American?

If so, what are you doing on this forum?

Let's see now. There a 4 possiblities:

You joined the forum 3 hours ago. Since that time, you've made 11 (and counting) incoherent postings on 10 different threads.

So 4 possiblities present themselves.

1. You're a total moron
2. You're heavily into drugs and alcohol and headed for rehab like Britiney and Lindsay.
3. You're practicing for April Fool's Day next week.
4. You're a dumb mean-ass collector masquerading as all of the above trying to sabotage the site because you don't like the stuff that's being said about you.

I wonder which it could be. IMHO, I'm leaning toward no.4. But, irrespectively, I'll ask Monty to get your computer location ID checked and remove your sabotage postings. I don't know if Monty knows how to do it himself, but I have a computer guru buddy who owns his own pc company who does. I think he'd do it for free, if Monty asked, because he hates collectors.

Ray

Actually, there IS a sixth option! We know, for the most part, the addresses from which iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency operates...and our Taliban friends have illustrated this final option. As Timothy McVeigh amply illustrated a few decades back, it is fairly simple to construct effective weaponry using only readily available material such as common fertilizer...

The rest I leave to y'all...

Chrissie, there are an endless stream of sad letters like yours about collection agencies and they all sound almost identical. I wish there was an easy answer but, basicall,y you only have 5 options:

1. Put up with the harassing calls that may last up to 6 years, as in the case of a friend of mine whose personality wasn't suited to tackling the problem head on.

2. Pay the money off.

3. Get a separate unlisted phone line to replace your current one and NEVER call iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency from that line, even with call blocking.

4. Change your underwear real often for the next few years.

5. Apply some of the methods that I discussed earlier on in my previous posts for dealing with the problem head on (but only if your personality is suited to it) so that it should be resolved within a couple of days or so. But this requires that you be willing to do at least some proactive work to resolve things and not just whine about being a victim.

What's being applied to you is the standard industry technique of "psychological tenderizing." And so far, it's working beautifully. You're already a wreck and ready to do just about anything they ask. Am I right? Or, as Wayne Macleod would aphorize, "Persistence Breaks Down Resistance."

But enough of my opinion. This situation calls for professional help. The aforementioned Wayne Macleod, a VP of the second worst (or from their point of view, second best) collection agency in the country, monitors this site and sometimes chips in the odd encouraging sound bite. Perhaps he could add his advice as an expert to help our damsel in distress. How about it Wayne? I submit my gloss to the scrutiny of a top professional working in the field. What should Chrissie do to get the sand out?

Ray

I also forgot to mention, don't be sending them any joke cheques for $0.00. I know it's funny, but some agencies aren't above getting a default judgement on you by sending the statement of claim to a wrong address and then seizing your bank account before you even know it. I've seen it happen. That bum cheque tells the sheriff right where to go. As well, some judge might consider it as an acknowledgement of debt and a restart of any limitation period so that the joke would be on you.

Ray

Finally, someone who's on the right track. I was beginning to lose hope. But you need to get the bosses and not burn yourself out on the foot soldiers, otherwise you'll end up like Chrissie. Also, don't waste your time on call blocking. You want them to know it's you. Anyhow, like TCR, they probably have ANI (Automatic Number identification). Also look up CCC S372(3); it'll probably come in handy. See my previous posts on it if you like. Too much to type from scratch, but I will say that iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency was one of my favorites - you lucky son of a gun.

Ray

I can so relate... I know I owe this money and I do intend to pay it, but I can barely make ends meet right now. My rent, my current bills and putting food on my table are on a higher priority list right now, but they don't understand that. It's like they've never had a hard time. Sometimes they say things like "Don't you have any friends? Family?" It's harassment! What if I didn't have any family or friends??? On top of that, I told the guy who handles my case to stop calling me because I was gonna be hospitalized. So what did he do? He launched those automated calls on me. Results: 1. It makes me mad BEYOND belief because the message says they have an important message for me, well I contacted them to tell them I would be away already! So I'M the one with the important message! 2. I came home from the hospital with over 35 messages from their stupid automated system. 3. The number they give on their automated messages, well I call and it rings, rings, rings with no answer. I'm getting surgery tomorrow, I will not have the energy or the time to deal with their calls... I understand that iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency agents have a job to do, but they need to understand that I am in the hospital, kinda hard for me to make arrangements, and my health comes first!!! I AM SICK AND TIRED OF iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency !!!!!!!!!!!!!!!!!!!!!!!

I get at least one message a day from these idiots, and to boot it's one of those recorded messages.
So to pay them back for wasting so much of my time by constantly filling up my voice mail box I have decided to call them several times a day also.
Today I called in the neighborhood of 10 times, and I will do the same tomorrow and the next day, and the day after and.....well you get the idea.
It's amusing to me to hear the receptionist who works for a bottom feeding company to get so agitated by my calls.
I dont say anything, I just sit there and wait for whoever answers to hang up.
So, if iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency leaves you these annoying messages, do the same as me, and if we all do it just a bit, we will be bothering them as much as they bother us.
Their number is 1-866-238-0878.
Oh yeah, make sure you call from a blocked number, so they dont know who's calling.
If anyone from iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency is reading this. SUCK IT BITCHES!
Signed,

Here's a cheque for zero dollars and zero cents.