I don't think that Steven C. Barr was intent was commenting on how a certain ethnic group (actually, outside of Canada) was enriching our culture but, instead, meant it in the "Cosmo Kramer" vein.

Look, I'm not too sure what to make of this guy. Steven C. Barr is (or was) a pretty good musician who lives on Brock Street in Oshawa and whose phone number is 1-905 438-1065. I've seen past TV interviews with him on blues music and he appears quite coherent and lucid. Some articles he's written are intelligent, even perspecatious, completely inconsistent with the insane ramblings he's posted here since Sunday night. Did some vandal borrow his identity or did he fall into drug and alcohol addiction or is he hard up for money, as he says and owes a favour to Wayne Macleod, who's leaning on him? I really dunno.

I strongly suspect yet another guy posting here as a distressed debtor is a plant. I'll email Monty on the details later. In any event, if you do what Bryson suggests, you might have to take down the whole forum because Steven C. Barr was going from thread to thread Sunday night leaving his nonsense.

That's why I thought it was too much of a coincidence for there not to be a deliberate plan behind it. Maybe, I still do. In any event, perhaps Monty could just delete his postings or at least blank them out without destroying the whole thread that contains it. That would be giving into Wayne Macleod and co.

Ray

EDITED-because of questionable material by Monty Loree

As posted by Steven C. Barr ...........

Hey Peabo,
Which references are you talking about.

This is a color / race / nationality / gender etc friendly website. (As long as everyone is abiding by Canadian Law)
Canada has a rich collection of many different nationalities and ethnic backgrounds. That's what makes Canada great.

Let me know.

Woah,

Can I have this whole string taken down on account of the racist remarks that have been added.
I don't want to be associated with any forum replies containing the text "persons of colour".
I have a hate on for collection agencies, and don't have any opinion about people of any colour, race or place of origin.

PB.

Very interesting! First, because I'm basically a pensioner...and was living on a disability pension for almost a decade (part of the reasons for my debt).

First, I'm waiting to see if I receive any more calls regarding the supposed "unpaid ticket!" I was getting at least one call per day, sometimes more...and when I asked them for something written they sent me a document which dosen't say SFA about what the "crime" was, or any details! It basically says "You owe the City Of Toronto $60"...no more, no less!

As far as the second...I have invited them several times to take legal or physical action as they see fit. I don't believe pensions may be garnisheed...and I'm living in a rented house in which most of the furnishings came from "Boulevard Surplus" (the
trash...!).At this point, my net negotiable assets consist of
a little less than $100 in my only bank account...and about $8 worth of alcohol empties which could be redeemed. Oh...and Ecru the cat!

EDITED-because of questionable material by Monty Loree

So...restatement of title: iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency ARE THE SAND IN THE BEARINGS OF CIVILIZATION!"

...stevenc

HOW TO SHOOT YOURSELF IN THE FOOT

There's a lot of unnecessary suffering out there from people shooting themselves in the foot needlessly and making it worse by getting the wrong advice when they do.

Here's a post from a poor guy in Ontario, who had to go on disability and couldn't meet the minimum payments on his $14,000 credit card in early 2005. Not only does he shoot himself in the foot in terms of first, not understanding what constitutes the legal acknowledgement of a debt and its consequences, but then, he also gets misleading info when he writes in for advice. He could have saved himself all this trouble had he spent 15 minutes on the web, before he started writing letters.

The poor guy is on disability and only has a paltry 5k equity in his house with no wages to garnish, so, in this case, he's not likely to get sued. Even collection agencies know when a carcass has been picked clean. However, had he had more home equity, you can be sure that Natale, Silverthorn, Macleod et al would have been all over him like buzzards over a dead steer in the hot Texas sun.

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The above entry is taken from a March 15, 2007 post on the forum: http://www.moneyproblems.ca

Question: I have an old credit card debt in the amount of $14,000. Early in 2005 I had to stop making the minimum payments because I went on CPP Disability and my income was reduced by 60%. I was getting calls from the collections department of this company daily. I wrote a letter to them asking them not to call anymore and I requested all correspondence in the future to be by mail. I also offered them to settle the debt for 40% of the amount owing. I had about $5000 in equity in my home available to pay this at that time. Shortly after that I received a phone call from them informing me my offer was denied. I also reminded them I requested that all correspondence to be by mail. From that time on I haven?t received another phone call or letter requesting payment of the debt. I looked up the Statute of Limitations act in Ontario.It states that after Jan 01 2004 the Statute of Limitations on debt in Ontario changed from 6 years to two years from the last day the debt was acknowledged. It has been past the two year period now and I still have not heard anything from them. Does this mean now that the debt is cleared, and I don?t owe them any more?

Answer: You are asking a complicated legal question, and if you talked to different lawyers you may get two different answers. One intepretation is that you are correct. The other intepretation is that since the debt existed prior to January 2004, the old rules apply.

The real issue is this: regardless of what the Statute of Limitations Act may say, the collectors may still pursue you for the money. Debts remain listed on your credit report for six years from the date of the last collection activity, so this debt will impact your ability to borrow in the future.

However, if you are receiving a disability pension, you have no wages to garnishee, so it is likely that your creditors will not pursue you vigorously. For further information, we suggest you consult a credit counsellor or bankruptcy trustee.

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Ray

A GIRL NAMED SUE

For those of you who like taking the long way around, here's a posting in a Vancouver forum from a lady who's a lawyer in British Columbia. She wants to file a class action suit against iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency .

"Sue" also lists the steps to take if you want to file an individual suit, if you wish. You can see, like so many others, that she did the all the right things but still got all the wrong results from iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency . She then quotes the same case that I did on Sunday about a person suing another insidious collection agency, Total Credit Recovery [for deception and harassment], and winning.

I personally would never use this method(1), but for those who enjoy making a career out of letter writing, this is definitely the way to go.

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You folks should talk to a lawyer in Ontario. I am a lawyer in BC and am just starting to look into starting a class action against Can[adian] Bonded Credits for thier illegal collection practices. To put yourselves in a position to sue you should do the following: write a letter stating a) that you do not acknowledge the debt b) you request they communicate with you ONLY in writing c) you will pursue an action against them and their principles if they do not abide by your request or if you suffer any damages as a consequence of their collection efforts.

I have done this myself and they still keep calling - everyday. Its infuriating. Documenting everything is the key. Document every phone call you receive. Document every conversation that you have - and make sure you ask the name of the person you are speaking to. Keep a copy of every letter that you send. Check your personal credit report with TransUnion or Equifax.

Finally, you can file a claim in your small claims court to recover punitive, general and special damages. You must assert that iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency violated your provincial laws that govern debt collection (for not communicating w/ you ONLY in writing), they have harassed you (calling everyday equals harassment), and have caused damage or injury to your credit rating (if they filed a report for unpaid "debt" with the credit bureau).

Have a look at this case at www.canlii.org (British Columbia): Toban v. Total Credit Recovery (B.C.) Ltd., 2001 BCPC 465

Good luck! They are relentless

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(1) A lead Toronto Sun Newspaper article yesterday (March 26) headlined, "All Hail The Donald," covered Donald Trump's Wealth Expo at Sky Dome. It was attended by 25,000 cheering fans and 10 dancing cheerleaders (which, mercifully, did not include Rosie O'Donnell). In his $1.5 million fee talk, "The Donald," proffered the following advice on what to do when people bug you:

"Get even. When somone screws you, screw them back in spades. I really mean it. You gotta hit people hard."

At this, the admiring throng broke out into ecstatic applause.

Now, if "The Donald" didn't have all those zeroes in his bank account, you gotta ask yourself, "how would he be handling calls from iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency , Deanna Natale and Total Credit Recovery? Would he be spending all day writing letters? Or using spades?

Ray

Us-ian by birth...Landed Immigrant/Canadian resident since late 1976...and currently being harassed by iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency on two different matters...one of which is phony as the proverbial $3 bill and the other of which is valid, but being so badly handled it may not stay that way...!

...stevenc

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