I'm sorry, just what branch of the Ontario Government pays Bilowus' salary? And what part of the Collection Act specifies they have to have an ombudsman or dispute arbitrator? Section 16 of the Act refers to a government investigator that visits their office (if need be) to enforce compliance of things such as licensing and records, but that's not what Bilowus does.

Sometimes, an ombudsman is required by provincial legislation such as the Highway 407 Act. In such cases, we have unctuous or deferential sounding pronouncements like "appointed by the Lieutenant Governor In Council," referring to the 407 ETR ombudsman, who currently is, Louise Pelletier. However, such people are usually internally appointed variations of recycled bill collectors positioned to present an amiable public facade for what is really a ruthless organization. And it seems to be working. The MTO now refers to itself as a collection agency for the 407. And they are. Believe me, Pelletier is there to represent the interests of the foreign consortium who are holding the public hostage for 99 years, not those of her fellow Canadian citizens.

That's why I've gone into a lot of detail on it in previous posts, and so if it's too much trouble to read, it's too much trouble to retype. Whatever the organization, the ombudsman are there to protect the company they work for, not you.

According to such rosy optics, perhaps we could consider spokesman Donny Petersen an ombudsman for Hell's Angels, what with all their charity runs.

A pleasant exception is the Provincial Ombudsman's Office under Andre Marin; however, their domain of concern is the body of provincial government organizations serving the public like the Criminal Injuries Compensation Board: a sad joke inflicted on the victims of crime, if ever there was one.

With respect to how I ended their autodialler with just one call, I should elaborate. First of all, I lied; actually there were 2 calls from iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency , but on the second one they only lasted 3 words so I kinda rounded the number off.

This type of autodialler call was particularly easy to defeat because it involved a third party call over a disputed nominal interest payment to a bank that had long since been stats barred anyway. Easy, because all I had to do was contact the bank's internal collection department. Unsurprisingly, they weren't immediately receptive but I told them that they were going to get 10 calls back for every autodialler call I got. Somehow, I knew they would know who the appropriate person to call at iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency was. And they did.

Notice what I didn't do:

1. I didn't attempt to talk to, or reason with anyone at iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency other than to initially determine what the autodialler call was about. There is no point in arguing with a brain dead zombie - and if you work at a collection agency, that's what you are. All you'll do is waste your breathe and burn yourself out on the foot soldiers in cheap suits that wear aftershave lotion that sells by the gallon for the same price as gas and smells twice as bad.

2. I didn't take 3 weeks off my life and spend it writing 47 letters to Brian Pitkin and get my tongue all parched from licking envelopes.

3. I didn't bother calling Debbie Bilowus and listen to her theatrical pro forma boiler plate instructing me to send in 6 registered letters in triplicate to her office (so she could make paper airplanes out of them and fly them out the window).

4. I didn't get on any blog and ask for someone's advice as to what to do because they, invariably, would have advised me to do some combo of steps 1,2,3.

That was a month ago. I haven't had a phone call since. But if I do, I'll know where to call.

Autodialler calls regarding parking tickets, nominal phone bills, Highway 407 tolls etc., are a little more complicated, but still shouldn't take more than a day to solve. Maybe two, if you don't know what you're doing. More on these types later.

Ray

Hey Miss Lizzy,
A bank's ombudsman is paid for by the bank. This is a bank employee in essence.

There are industry ombudsman that are paid for by a pool of money put together by the banks. This is a little more removed, however, they're still paid for by the banks.

Is Debbie Bilowis paid for by iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency ? Who exactly pays for her cheques?

LOOKS AWESOME!! I wonder what we are going to see on this site in a couple of days!! Get your rest Raymona & Lonnie!!

Hi Ray... just wanted to clarify a few things in my post that may have not been to clear.

Fist off Debbie Bilowus does not work for iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency , she has been appoint to them via the provincial government here in Ontario to deal with the avalanche of complaint by people like me and you about iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency .

Now I am assuming that it is our taxes that pays her salary... but dont quote me on that one.

Now your absolutely righton one thing... I didnt go back and read ALL the post's made by users on this site.

The few that I did read were so simular in tale there was no point in going back further.

Now I am curious about one thing. You mentioned about how you managed to end their calls on the auto dialer with just one call!!!! HOW??

Thanks a bunch...

Miss Lizzy

No, not me, actually when I entered Mark Silverthorn, Paul & Associates came along with it...If you notice the "TOB Classification: Lawyers, Advertising Specialties, Collection Agencies" That probably brought it up!!

Hey Laura,

Who are these people?

Are they bothering you? I would "hate to" talk about another collection agent or lawyer!! :)

The Better Business Bureau?
Serving Mid-Western & Central Ontario
354 Charles Street East
Kitchener, ON N2G 4L5
519-579-3080 800-459-8875
http://www.bbbmwo.ca

Paul Kupferstein & Associates
208 - 620 Alden Rd
Markham, ON L3R 9R7
Telephone: (905) 474-3535
Fax: (905) 474-3636

The BBB reports on members and non-members. If a company is a member of the BBB, it is stated in this report

BBB Definition:

report - A summary of activity reflected in a company's BBB file. Includes basic business background, BBB membership information, and Bureau complaint activity over the previous three years. Also reports may include any known government actions, advertising issues or other information that results from activity conducted by the BBB.

.

Principal: Ms. Janice K.
Customer Contact: Ms. Janice K. - (905) 474-3535
File Open Date: August 2004
TOB Classification: Lawyers, Advertising Specialties, Collection Agencies
BBB Membership: This company is not a member.

Additional DBA Names
Brian Belmont LLB
Paul Kupferstein Barrister & Solicitor
International Billing and Recovery Services Inc
Liability Solutions Inc
Cash Now Capital

Customer Experience

Based on BBB files, this company has an unsatisfactory record

BBB Definition:

unsatisfactory record - A company has an "unsatisfactory business performance record" with the Bureau is based on the experiences reflected in BBB files. This file condition results when the company has failed to resolve or respond to complaints, repeatedly failed to respond or resolve issues in a timely manner, failed to resolve the underlying issues for a pattern

BBB Definition:

pattern - More than 2 complaints involving the same allegations usually within 12 months that are significant in relation to the company's size and volume of business.

of complaints, failed to honor their commitment to mediate or arbitrate disputes or honor mediated agreements or arbitrated decisions, failed to substantiate, modify or discontinue false advertising claims that are challenged by the BBB, or failed to discontinue unauthorized use of the BBB name and logo, a Federally protected trademark.

with the Bureau due to failure to respond to two or more complaints.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

The Bureau processed a total of 33 complaints about this company in the last 36 months, our standard reporting period. Of the total of 33 complaints closed in 36 months, 5 were closed in the last year.
Billing or Collection Issues

BBB Definition:

Billing or Collection Issues - Claim alleging billing errors, unauthorized charges, or questionable collection practices.

Resolved

BBB Definition:

Resolved - The company resolved the complaint issues.

1 - Company resolved the complaint issues. The consumer acknowledged acceptance to the BBB.
1 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB.
1 - Company offered a partial (less than 100%) settlement which the consumer failed to acknowledge acceptance to the BBB.
Unresolved

BBB Definition:

Unresolved - The company failed to resolve the complaint issues.

1 - Company failed to resolve the complaint issues through the BBB voluntary and self-regulatory process.
Administratively Closed

BBB Definition:

Administratively Closed - The BBB determined that the complaint could not be satisfactorily settled using standard methods of voluntary dispute resolution

1 - BBB determined that despite the company's reasonable effort to address complaint issues, the consumer remained dissatisfied.
No Response

BBB Definition:

No Response - The company failed to respond to the complaint.

25 - Company failed to respond to the BBB to resolve or address the complaint issues.

Customer Service Issues

BBB Definition:

Service Issues - Claims of alleged delay in completing service, failure to provide promised service, inferior quality of provided service, or damaged merchandise as a result of delivery service.

BBB Definition:

Customer Service Issues - Claims alleging unsatisfactory customer service, including personnel's failure to provide assistance in a timely manner, failure to address or respond to customer dissatisfaction, unavailability for customer support, and/or inappropriate behavior or attitude exhibited by company staff.

No Response

BBB Definition:

No Response - The company failed to respond to the complaint.

3 - Company failed to respond to the BBB to resolve or address the complaint issues.

Company Management

Additional company management personnel include:

Mr. Sargeant
Mr. Paul Kupferstein

Additional DBA's, and Addresses
Additional DBA Names
Law Office

Additional Addresses
4981Hwy #7 East, Unit 12A
Ste 267
Markham, ON L3R 1N1
Mr. Paul Kupferstein
Ms. Janice K.

267-4981 Highway 7 E, Unit 12A
Markham, ON L3R 1N1

Check this out.. It finally got published as a press release on news.google.co

PRESS RELEASE: Canadian Collection Agencies

Let me know what you guys think!!

Nicely done... Raymond.

BTW...
For some reason this editing area doesn't like when we put links as the first line of text.. (I'll have to look at that at some point.)

If you're going to post a link ie... http://www.example.com, please put this at least the second line of your post.

The system is only recognizing links from the second line down.

*********LUNCH BREAK AT THE NATALE LAW OFFICES*****

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http://www.bbbmwo.ca/commonreport.html?bid=1087197