Collection Agencies - how do I deal with collection agent - Canada

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RE: more on Natale Law Offices

Postby NealMichel » Wed Mar 16, 2011 01:25:02 PM

I received several calls for somebody else from this number. When I called back, I found out that it was a collection agency called Global Credit & Collection. I found there website http://www.globalcollection.net/Consumers.aspx ) and contacted their main number. They told me that they would remove my phone number from their files, and they did.
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RE: more on Natale Law Offices

Postby average_joe » Fri Aug 27, 2010 11:04:36 AM

I believe recording your calls with every collection agecny without their knowledge will help you win your case easy in court.
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RE: more on Natale Law Offices

Postby Illegal Firms » Fri Aug 27, 2010 10:14:51 AM


Hi Everyone,

Here are some helpful hints in dealing with this company:

If you are receiving calls from this number:
1. Do not reply or acknowledge them
2. Contact the following resources

File Complaints with:

Law Society of Upper Canada
- File a direct complaint against
http://www.lsuc.on.ca/public/a/complaints/

Natale Law Firm
c/o Deanna Natale
1490 Denison Road
Suite 100
Markham ON
905-413-8545

2.Ontario Privacy Commissioner
File a complaint against:
http://www.ipc.on.ca/english/Resources/IPC-Corporate/IPC-Corporate-Summary/?id=668

Global International Inc (Global Credit and Collections)
1490 Denison Street,
Markham, ON
L3R-9T7
905-479-2222

3. Minister of Consumer Affairs
- file a complaint Both firms for they are one and the same.
http://www.sse.gov.on.ca/mcs/en/Pages/Complaint_Steps_to_File.aspx

4. If the harassment is excessive, please contact a local lawyer that specializes in consumer law and they will take up your case.

Reasons for complaints:

Firm are conducting business practices’ in breach of the Canadian collections act, as well as breaches of Canadian Privacy Law.

Some of the breaches are as follows:

Registration

4. (1) No person shall carry on the business of a collection agency or act as a collector unless the person is registered by the Registrar under this Act. R.S.O. 1990, c. C.14, s. 4 (1).

Name and place of business

(2) A registered collection agency shall not carry on business in a name other than the name in which it is registered or invite the public to deal at a place other than that authorized by the registration. R.S.O. 1990, c. C.14, s. 4 (2).

Use of name to collect debts

5. No creditor shall deal with the debtor for payment of the debt except under the name in which the debt is lawfully owing or through a registered collection agency. R.S.O. 1990, c. C.14, s. 5.

Conditions of registration

(2) A registration is subject to such terms and conditions to give effect to the purposes of this Act as are consented to by the applicant, imposed by the Tribunal or prescribed by the regulations. R.S.O. 1990, c. C.14, s. 6 (2).

Notice requiring hearing

(2) A notice under subsection (1) shall state that the applicant or registrant is entitled to a hearing by the Tribunal if the applicant or registrant mails or delivers, within fifteen days after service of the notice under subsection (1), notice in writing requiring a hearing to the Registrar and the Tribunal, and the applicant or registrant may require such a hearing. R.S.O. 1990, c. C.14, s. 8 (2).

Confidentiality

17. (1) A person who obtains information in the course of exercising a power or carrying out a duty related to the administration of this Act or the regulations shall preserve secrecy with respect to the information and shall not communicate the information to any person except,

Use of unregistered collection agency

24. (1) No person shall knowingly engage or use the services of a collection agency that is not registered under this Act. R.S.O. 1990, c. C.14, s. 24 (1).

Employment of unregistered collectors

(2) No collection agency shall employ a collector or appoint or authorize a collector to act on its behalf unless the collector is registered under this Act. R.S.O. 1990, c. C.14, s. 24 (2).

False advertising

25. Where the Registrar believes on reasonable and probable grounds that a collection agency is making false, misleading or deceptive statements in any advertisement, circular, pamphlet or similar material, the Registrar may order the immediate cessation of the use of such material, and section 8 applies with necessary modifications to the order in the same manner as to a proposal by the Registrar to refuse registration and the order of the Registrar shall take effect immediately, but the Tribunal may grant a stay until the Registrar’s order becomes final. R.S.O. 1990, c. C.14, s. 25.

Practices prohibited

22. No collection agency or collector shall,

(a) collect or attempt to collect for a person for whom it acts any money in addition to the amount owing by the debtor;

(b) communicate or attempt to communicate with a person for the purpose of collecting, negotiating or demanding payment of a debt by a means that enables the charges or costs of the communication to be payable by that person;

(c) receive or make an agreement for the additional payment of any money by a debtor of a creditor for whom the collection agency acts, either on its own account or for the creditor and whether as a charge, cost, expense or otherwise, in consideration for any forbearance, favour, indulgence, intercession or other conduct by the collection agency;

(d) deal with a debtor in a name other than that authorized by the registration; or

(e) engage in any prohibited practice or employ any prohibited method in the collection of debts. R.S.O. 1990, c. C.14, s. 22; 2002, c. 18, Sched. E, s. 3 (1).
Illegal Firms
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Posts: 13
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Province: ON


RE: more on Natale Law Offices

Postby Illegal Firms » Fri Aug 27, 2010 10:14:07 AM


Hi Everyone,

Here are some helpful hints in dealing with this company:

If you are receiving calls from this number:
1. Do not reply or acknowledge them
2. Contact the following resources

File Complaints with:

Law Society of Upper Canada
- File a direct complaint against
http://www.lsuc.on.ca/public/a/complaints/

Natale Law Firm
c/o Deanna Natale
1490 Denison Road
Suite 100
Markham ON
905-413-8545

2.Ontario Privacy Commissioner
File a complaint against:
http://www.ipc.on.ca/english/Resources/IPC-Corporate/IPC-Corporate-Summary/?id=668

Global International Inc (Global Credit and Collections)
1490 Denison Street,
Markham, ON
L3R-9T7
905-479-2222

3. Minister of Consumer Affairs
- file a complaint Both firms for they are one and the same.
http://www.sse.gov.on.ca/mcs/en/Pages/Complaint_Steps_to_File.aspx

4. If the harassment is excessive, please contact a local lawyer that specializes in consumer law and they will take up your case.

Reasons for complaints:

Firm are conducting business practices’ in breach of the Canadian collections act, as well as breaches of Canadian Privacy Law.

Some of the breaches are as follows:

Registration

4. (1) No person shall carry on the business of a collection agency or act as a collector unless the person is registered by the Registrar under this Act. R.S.O. 1990, c. C.14, s. 4 (1).

Name and place of business

(2) A registered collection agency shall not carry on business in a name other than the name in which it is registered or invite the public to deal at a place other than that authorized by the registration. R.S.O. 1990, c. C.14, s. 4 (2).

Use of name to collect debts

5. No creditor shall deal with the debtor for payment of the debt except under the name in which the debt is lawfully owing or through a registered collection agency. R.S.O. 1990, c. C.14, s. 5.

Conditions of registration

(2) A registration is subject to such terms and conditions to give effect to the purposes of this Act as are consented to by the applicant, imposed by the Tribunal or prescribed by the regulations. R.S.O. 1990, c. C.14, s. 6 (2).

Notice requiring hearing

(2) A notice under subsection (1) shall state that the applicant or registrant is entitled to a hearing by the Tribunal if the applicant or registrant mails or delivers, within fifteen days after service of the notice under subsection (1), notice in writing requiring a hearing to the Registrar and the Tribunal, and the applicant or registrant may require such a hearing. R.S.O. 1990, c. C.14, s. 8 (2).

Confidentiality

17. (1) A person who obtains information in the course of exercising a power or carrying out a duty related to the administration of this Act or the regulations shall preserve secrecy with respect to the information and shall not communicate the information to any person except,

Use of unregistered collection agency

24. (1) No person shall knowingly engage or use the services of a collection agency that is not registered under this Act. R.S.O. 1990, c. C.14, s. 24 (1).

Employment of unregistered collectors

(2) No collection agency shall employ a collector or appoint or authorize a collector to act on its behalf unless the collector is registered under this Act. R.S.O. 1990, c. C.14, s. 24 (2).

False advertising

25. Where the Registrar believes on reasonable and probable grounds that a collection agency is making false, misleading or deceptive statements in any advertisement, circular, pamphlet or similar material, the Registrar may order the immediate cessation of the use of such material, and section 8 applies with necessary modifications to the order in the same manner as to a proposal by the Registrar to refuse registration and the order of the Registrar shall take effect immediately, but the Tribunal may grant a stay until the Registrar’s order becomes final. R.S.O. 1990, c. C.14, s. 25.

Practices prohibited

22. No collection agency or collector shall,

(a) collect or attempt to collect for a person for whom it acts any money in addition to the amount owing by the debtor;

(b) communicate or attempt to communicate with a person for the purpose of collecting, negotiating or demanding payment of a debt by a means that enables the charges or costs of the communication to be payable by that person;

(c) receive or make an agreement for the additional payment of any money by a debtor of a creditor for whom the collection agency acts, either on its own account or for the creditor and whether as a charge, cost, expense or otherwise, in consideration for any forbearance, favour, indulgence, intercession or other conduct by the collection agency;

(d) deal with a debtor in a name other than that authorized by the registration; or

(e) engage in any prohibited practice or employ any prohibited method in the collection of debts. R.S.O. 1990, c. C.14, s. 22; 2002, c. 18, Sched. E, s. 3 (1).
Illegal Firms
Member
Posts: 13
Joined: Fri Aug 27, 2010 09:40:58 AM
Province: ON


RE: more on Natale Law Offices

Postby montyloree » Tue Aug 03, 2010 11:04:35 AM

Natale Law offices are a business. their job is to collect money... They know the game as far as settling... if an individual is illiquid, they'll have no choice but to settle for 10% on the dollar....

average_joe took his time and settled his debt.... if you're in a rush and you've got more cash to settle with then you'll probably pay a higher percentage...

please read the 5 miles of discussion on natale law offices here:
/threadview/457.html
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RE: more on Natale Law Offices

Postby average_joe » Tue Aug 03, 2010 11:00:34 AM

I could of made that comment but that doesn't mean that they treated me bad when i was negiotating my debt with them.How can i say something bad about them when they settled a $11,000 debt approx for 10%?
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Posts: 2565
Joined: Sun Dec 16, 2007 03:58:17 PM
Province: NS


RE: more on Natale Law Offices

Postby fightback » Tue Aug 03, 2010 10:07:16 AM

RE: more on Natale Law Offices
by average_joe » Thu Dec 20, 2007 03:30:23 PM

I received a letter threatening to sue me so what i did i used it for ass wipe.

Posted: Aug 3, 2010 Subject: RE: more on Natale Law Offices

average_joe
Member
The Natale Law Office was one of the best collection agencies i dealt with.

Amazing how recollections change with time average joe
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Posts: 98
Joined: Wed Nov 18, 2009 04:33:55 PM
Province: NB


RE: more on Natale Law Offices

Postby average_joe » Tue Aug 03, 2010 08:19:04 AM

The Natale Law Office was one of the best collection agencies i dealt with.
average_joe
Member
Posts: 2565
Joined: Sun Dec 16, 2007 03:58:17 PM
Province: NS


RE: more on Natale Law Offices

Postby Candian Money » Tue Aug 03, 2010 08:07:11 AM

May I suggest you make your offer to the creditor and if possible advise them that you are writing to the star to complain. they will take the offer and close the file with the collection agency since the creditor does not want any bad publicity!
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Province: ON


RE: more on Natale Law Offices

Postby stevierman » Thu Jul 29, 2010 05:03:15 PM

I too have been approahed by the jerks at Natale Law Office. I owe Rogers for a cell phone that i fell behind with. I have been faithfully paying Global Collections $50 per month. I received a call from one of their reps wanting full amount to clear account. I was informed that my payments were being eaten up by accrued interest and I actually owe more now that i did origionally. I told them I wasns't paying them interest or Rogers extra charges. Next day Josh from Natale calls and threatens to sue. I made same offer with no headway. Maybe he didn't like me calling him a flunky when he wouldn't let me talk to one of the lawyers there. He hung up on me. Today I get a call from Jason, another flunky. These guys are the most beligerant idiots ever! I made him an offer and he actually demanded my banking info...can you believe it!!! I hope other people read this. collection companies cannot charge you more than what the original debt is. In Rogers case, they will take 40% with no interest charged. These guys won't take less than 60%. I am sure the saga will continue tomorrow.
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Posts: 1
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