Hi everyone,

So...deciding I would no longer correspond with the collection agency I have been dealing with on the phone, I sent a letter many months ago. In this letter, I referenced Section 116 (4)(a) of the Business Practices and Consumer Protection Act, which states that all further communication shall be done in writing. And for the past couple of months, this collection agency followed my lawful request and subsequently corresponded by mail, and vis-versa.

I've been making payments for almost 2 years now on this account. All seemed fine with the payments until about 10 months ago, when they "decided" they thought I could pay more. I essentially told them they can put their money where there mouth is and put it in writing - and its been a little more peaceful around here ever since.

Except...today this collection agency decided to call me and leave me a message asking me to call them back when I have the opportunity.

So, I know they've just shot themselves in the foot here by violating the Consumer Protection Act which governs them, but what I would like to know is...what can I do about it? Does this give me the opportunity to knock a few balls around, or do I only get the priviledge of writing a letter of complaint? I know a lot of people complain all the time but I really hope that these complaints don't fall on dead ears when they're legitimate. Anyone have any experience with complaints or in dealing with agencies which violate the Act which regulates them?

I almost get the feeling that they've run out of things to write to me about, which is why they've resorted to trying to suck me back into our wildly entertaining phone conversations that never went anywhere but sure made two people a little more insane for the wear! ...but I would welcome opposing views. I'm not really sure why this company thought it would be okay to call.