http://www.canadian-money-advisor.ca/wp/collection-agencies-part-1/

It's an amazing information package that Monty is putting together with knockout information when dealing with creditors and collection agencies etc.

What is the Kung Fu package?

And they called me again, 8:45 this morning. Same guy.

Every time they call, it's like it's the first time. They must call a lot of people each day.

Our last conversation, when he finally clued in that B is not at this number or address (which I have been saying all along), he said that he could not speak to me about this anymore. They have his actual phone number, but they said he never answers it. Anyway.

This time, they asked for B...I said look, you know he doesn't live here and is not at this number, so enough with calling me. You have his number, so your allowed calls to me here have run out. Guy says no, we can still call you because he isn't calling us back, he needs to call us, get him to call us. I told him never to call me again, and that I was going to complain, and he said fine, go ahead. He said B had given this muber as his contact number...I said 'he's given it to whom, exactly?' The answer? 'To someone.'

Now I'm really pissed, and I want to take care of these people properly. As in, bring their asses down...but properly, step by step.

I did tell him B would be sending a letter. I went ahead and bought the 'Kung Fu' package here, so I do have a few templates, but I was hoping that there would be a step by step plan...do A, then do B, then do C. Please guys, I want to do this properly...I know more info is in the forum here (I'll hunt it down again...this forum is a tad complicated to navigate)

I wouldn't hold your breath on receiving something in the mail. I would also check the last date activity in your credit report to see if they changed that which they are not allowed to do.

Me again. They called me again yesterday, though I think that will be the last time, as the guy finally clued in that I am not living with the debtor (I have said this before to them).

I reiterated that my bf does not acknowledge the debt, and that he is checking his credit report, whereby the guy told me that it would be listed under CRS...I think they may have reactivated it. We will check. Are they even allowed to do that? If they have done it (and he has never acknowledged the debt), what can we do about it?

I also told them thet they were supposed to be sending something in the mail, as per our last conversation. Should bf call them, or should he send them somethign in writing outlining what he wants them to do?

This company has been calling me as well, regarding my boyfriend's alleged debt to Canadian Tire...from 2000. Apparently the last payment he made was in 2003. He has no recollection of this debt, because his last payment was paying the card off entirely (if he is recalling correctly). They claim he owes in excess of $500.

How do I know this? Because I said that although he is not at my phone number or address, I am his wife (I am not, though we've been together 13 years), so they've been fairly upfront with me! They do have his actual phone number but have only called him once, where a woman proceeded to yell at him. He hung up on her.

I spoke to them Thursday and said look, we have no recollection of this debt and have received no notices via mail...they claimed to have sent written notices, but they did not have his correct address. I said as far as we know, this could be a scam as it is coming out of the blue, so you need to send something in writing. They said they would.

Wish I'd read here before, so I could have been more specific. So what I want from them, if I am understanding correctly, is:

1. written proof that they are licensed to collect debt in Ontario (though I assume they are)
2. written proof that they are auhorized to collect on this debt, and that my boyfriend signed an agreement stating that he understood that if his account became delinquent, he authorized his creditor (Can Tire) to sell the debt to a third party
3. A statement of account, detailing payments made and date of last payment to the Can Tire card

Am I missing anything?

Since this is over 6 years old, I am going to encourage him to get his credit reports and check things out. He does owe the government money (which he is paying) and I wonder if this triggered CRS into action? The Can Tire card was a total surprise...he doesn't even have the card anymore. He cut it up after he paid it off.

PS: The guy I spoke to, very polite fella with an E. Indian accent, told me at one point that my BF needs to settle this soon, and that he was sitting right across from their legal department. I said that's nice, I understand how collection companies operate and there was no need for that sort of talk, and send us a letter/statement proving that any of this is legit. He said I sounded like 'a very educated person'. LOL! Gee, thanks a ton. Dude isn't even speaking to the debtor.

BTW, I did not give them bf's actual phone number, just told them he had one and it wasn't mine. I have also told them he does not live here. Should they even be continuing to call me?

Jennteck, don't be too quick to blame the collection agency, its really on you to make sure you have all your ducks lined up before you make any commitment to pay or settle.

I mean you are dealing with a collection agency here... right?

Planning it out, getting your paperwork in order before you pay is paramount.

i will be very mad if they ddi something wrong and i will contact a lawyer if need be but thanks for the tip

If you get a letter after you paid them, consider yourself lucky. When you settle a debt always get the settlement agreement in writing before you hand over your money.