Collection Agencies - TCR threat against home - Canada

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RE: And grizzly ghouls from every tomb are closing in to seal your doom

Postby tcrcollector » Tue Jul 15, 2008 10:19:12 AM

I understand what you are saying Montyloree, and in my previous post I stated that I completely agreed with everyone understanding thier rights in this business some collectors can get out of hand. I know that this happens and I am not denying it, HOWEVER, Raymond, I am only trying to show you another side of things. A human side. I know what you are thinking.. NO WAY! HUMAN? HOW IS THAT SO? COULD IT ACTUALLY BE POSSIBLE THAT WE ARE NOT ALL? When we are only doing our job to inform some of thier situation and they immediately have thier back up because other collectors are giving them a hard time because they don't know how to manage thier credit and own 7 different credit cards theyve cmpletely maxed out. What are we to say? Oh Im so sorry for doing my job? no. If you were a police officer pulling over someone for speeding and he tells you hes been stressed and had a hard day pull me over tommorow would you do so? For those who are ACTUALLY ill, on disability or recieving welfare we fill out a little form that we send upstairs and they take those poeple out of our systems so that the calls do not continue because they do not have the means to pay. I don't try to apply pressure or stress to famillies going through a hard time as I have been through some myself but what you do not understand is the amount of people that we talk to who are simply not paying thier bill. No exscuse, they just feel like they do not owe anything. It is clear that you do not want to listen and that is fine, but at least understand that this is not just a one sided business. Some of us are actually empathetic people.. a few of us are here to save up money before we go to school.. Would a "collection agency" and pathological liar be going to school to become a social service worker? or a Drug and Alcohol Counsellor?

When your famillies are in need of our services then eat your words.
Please compare me to Paul Bernardo again as it is so ovbious we have similar traits.
xo
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RE: And grizzly ghouls from every tomb are closing in to seal your doom

Postby montyloree » Tue Jul 15, 2008 09:49:14 AM

OH my..
A tcrcollector has presented themselves.

We don't hate collectors.. we just hate the anxiety, pressure, etc etc that they bring to a family who's having financial difficulties.
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RE: And grizzly ghouls from every tomb are closing in to seal your doom

Postby Raymond » Tue Jul 15, 2008 09:45:33 AM

Bravo! Spoken like a true collection agency! Now get back to chasing down cancer patients, disability cases, widows and guys who who have just lost their jobs.

I can summarize my response in 3 words: Five Star Mortgage. Even one of your own managers writing in here was revolted by those $3000 (clandestine) end of month cash payments to some of your Nazi like managers because of extortions from some of the above named groups, among others.

I read Paul Bernardo is proud of himself too; what can I say?????


Without exaggeration, I think many of you guys would have fit in very well here. Would collecting gold teeth instead of widow and disability pensions bother you? After all, it's just another asset; n'est-ce pas?

Ray

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RE: And grizzly ghouls from every tomb are closing in to seal your doom

Postby tcrcollector » Tue Jul 15, 2008 08:23:05 AM

my parents are quite proud of me.. i have a job to pay for my tuition.. if that makes me a bottom feeder what exactly does that make you ranzzzz? accident victims and widows only make up a small fraction of the debtors i call each day and i am not getting anyone "turfed" from thier homes, it is them not keeping up with thier bills. It is ovbiously useless to even post a rebutal because your thoughts and feelings are blasted all throughout these pages.. it seems you are quite obsessed with hating collectors but i guess every one has different hobbies and interests.
xo
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And grizzly ghouls from every tomb are closing in to seal your doom

Postby Raymond » Thu Jun 26, 2008 10:20:59 AM


Ah, yes; some of the "financial professionals" at TCR getting ready to "help" their clients.

If you don't agree, just ask any 5 Star Mortgage client or widow living on disability pension, losing her home.

It's probably true that when Miss Frumpett, the grade 1 teacher, asked the class what they wanted to be when they grew up, not too many put up their tiny hands and said "I wanna be a collection agent so I can chase down accident victims and get them turfed from their homes." But then didn't Joseph Stalin start out as a choir boy or some such thing? And wasn't Solomon once the wisest man in all the land?

Again, thanks for the "Volkischer Beobachter" post. Certainly, it's an article that would not have been out of place in that fine hallmark of journalism.

Perhaps you should consider a name change from "Total Credit Recovery" to "Total Volkischer Beobachter" or even "Total Bull S***."

Just trying to help.

Ray
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RE: Wayne MacLeod - TCR Don't Laugh!!

Postby ranzzzz » Wed Jun 25, 2008 07:08:22 PM

Good for you. Please contiune to rot as a bottom feeder, your parents are so proud of you.
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RE: Wayne MacLeod - TCR Don't Laugh!!

Postby montyloree » Wed Jun 25, 2008 06:32:17 PM

Collectors have such a bad rep!! to compare one to "a hybrid of a vampire and a collection agency" is a pretty hefty comparison! Ive been at TCR for a while now and let me just say that I have met some great people working here.... most of us are not dishonest foul people. I also talk to many interesting people on the phone everyday and I take extreme offense to the fact that I am compared to a disgusting bird. I ABSOLUTELY agree with the fact that people should understand and know thier rights especially in this business where the laws are sometimes used as only a guide line. But the way that you generalize us?? is that completely necessary?? You may have wound up in the unfortunate financial situation that you are in because of circumstances that you have no power over but we are here to do a job. You have no idea what our life is like or how we wound up in this situation. Do you think that on career day at school we put our hands up and said "I want to be a bill collector!" OF COURSE NOT! but guess what... it somehow happened... we go through trying times just like all of you... most of us are just trying to make the best of it!!!
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RE: Wayne MacLeod - TCR Don't Laugh!!

Postby AmosNandy » Mon Jun 11, 2007 08:56:15 AM

Quote; Ray:
"An agency is obliged to give you 6 days written notification that the account has been assigned to them prior to calling you by phone in Ontario. "
and "But no one pays any attention to these rules..."

I can attest to that myself. I received a letter and the phone call in the same day. They left a message on my machine....."please call about this account_____ so we can stop it from going to "legal"..... blah blah blah"

I am surprised at how totallly unprofessional they sound. But maybe I shouldnt be.

I screen my calls and as I am listening to this I am thinking "Hey, I dont have a contract with this company, so I dont have an obligation to speak to them."

I didnt call.

Later in the day I opened their letter. It informed me basically that they were now in possession of this credit card debt account and suggested I call them to set something up so I wouldnt have to go to court.

I promptly wrote them back and suggested that they cease communications with me For the following reasons:
*they were a third party intruder in my right of privaty of contract and were guilty of legal trespass.
*they had failed to sign their offer of contract under penalty of perjury
*they had already provided in writing ample evidence of fraud and any subsequent requests for payment of allegged account would be evidence of extortion.

Never heard from them again.
Of course by this time my credit score was shot anyway and since I am done borrowing from these loan sharks the last thing I care about is a credit score.

Of course if you do want to pay the account that's up to you. Just know that any such letters you get from them are Offers of Contract. You can, if you choose, inform them that you do not give them consent. And/or you do not accept their offer of contract.

Best done as soon as possible upon initial correspondance from them.

Put it in writing.

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RE: Wayne MacLeod - TCR Don't Laugh!!

Postby CCDRADMIN » Sat May 05, 2007 12:00:00 AM

Agreed excellent post Monty!
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RE: Wayne MacLeod - TCR Don't Laugh!!

Postby montyloree » Tue May 01, 2007 12:00:00 AM

Hey Greg ,

Along with doing the ccdr.ca debt settlement service here in Canada, you also have a few years experience as a collection agent. This is helpful to know in case any of our readers have questions about collection agents or collection agencies in Canada.

If I remember correctly, you indicated that you collected for a few years in Regina??

Anyway,this is good to know as there are so many canadians that have problems with collection agencies harrassing them.

Hopefully you can help them get better insight as to the workings of collection agency houses in Canada.

Thanks again for posting Greg!
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