Hi Karen,
Sorry to hear your story...

What is iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency inquiring about? A debt that was included in your bankruptcy?

5 years ago my husband of 29 years left me, just left me a letter and left the country and I haven't seen him since. I was left with all the bills, I had to claim bankruptcy in 2001. I lost everything, my house, my good name. I have been rebuilding my credit slowly. Last fall I was finally able to get a secured credit card. Today I received my credit reports when I noticed that iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency has been inquiring about my credit status. The last inquire was just this month and then last month, and about twice a year going back to 2002. All these credit inguires hurt my credit score. How can I get them to stop inguiring. They see that I claimed bankruptcy in 2001. what do they think they are going to accomplish???

Kfitzzy

Is it not the same thing province wide, where when you go to renew your plate sticker, you have to take care of all unpaid parking and and traffic tickets as well?
How can they go back as far as 17 years? That makes no sense to me.
Every time I renew my plate and get a new sticker, I have to pay all unpaid fines for that year (or 2 years depending on how often you renew your plates).

This is From The CityNews website: I do believe Ray had mentioned it earlier in a post, as well I think it's iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency that got the contract. It looks like you will have a lot more members soon Monty!!
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Collection Agencies Called In To Track Down Unpaid City Traffic Tickets
Tuesday March 13, 2007

The city of Toronto has taken an unapologetic stance for hiring collection agencies to hound citizens to pay parking tickets from as far back as 17 years ago.

City Hall is going after 400,000 drivers who they claim owe them for outstanding fines.

Kevin Conway is one of them.

"The city says I owe them $510 for tickets back in 1990," Conway remarks. But Kevin claims he paid the ticket in question, but didn't keep a receipt and doesn't have proof.

"They said essentially it's just my burden to prove it," he frustratingly adds.

Anthony Fabrizi, Mgr, Toronto Parking Operations, doesn't feel individuals should be able to duck out of paying just because a significant amount of time has passed.

"There's a gross amount of $125 million that's outstanding," he said.

"It would be completely irresponsible of the city if we didn't pursue these fines regardless of the age."

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Here's a look at what Ontario law allows collection agencies to do when they're trying to get your attention.

The regulations forbid collection agencies from:

-contacting you until six days have passed from sending you written notice of the following:

the name of the creditor

the balance owing

the name of the agency and its authority to demand payment
-continuing to contact you if you didn't receive the notice unless a second copy of the written notice is sent to an address provided by you, and then contact may only be made six days after sending notice;

-contacting you if you send a registered letter to the agency saying that you dispute the debt and suggest the matter be taken to court;

-contacting you if you or your lawyer notify the agency by registered mail to communicate only with your lawyer, and you provide the lawyer's name, address and telephone number;

-contacting you on Sunday, except between the hours of 1pm and 5pm and on a holiday;

-contacting you other than by ordinary mail more than three times in a seven-day period without your consent, once the agency has actually spoken with you;

-using threatening, profane, intimidating or coercive language, or using undue, excessive or unreasonable pressure;

-continuing to contact you if you have told them you aren't the person they're looking for unless they take reasonable precautions to ensure you are that person;

-giving false or misleading information to any person;

-recommending to a creditor that a legal action be commenced against you without first sending you notice;

-contacting your employer except on one occasion to obtain your employment information, unless your employer has guaranteed the debt, the call is in respect of a court order or wage assignment or if you have provided written authorization to contact your employer;

-contacting your spouse, a member of your family or household, or a relative, neighbour or acquaintance except to obtain your address and telephone number unless the person contacted has guaranteed the debt or you have given permission for the person to be contacted.

Source and more info: The Ontario Ministry of Government Services

How to pay your parking ticket online

Toronto Losing Millions In Unpaid Parking Fines

How to fight a traffic ticket

I got another call from their lovely auto-dialler yesterday.
I think the type of message you get on the auto-dialler, is a direct representation of the company trying to contact you.
For example: When you pick up the phone, the message is already halfway through being played. Well done iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency , that's some hi-end technology you've got working for you.
Also, their WEAK attempt to trick people into thinking that the reason for the call is something other that what it is actually for.
"Please contact us for an urgent business matter".....
This is great stuff!!
Wow, an urgent business matter, I better call and see what this is about. Maybe I have a cheque comming my way!!!
Wait, I can't call, because the number the auto-dialler leaves is incorrect, or improperly routed to nowheresville. Again, well done iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency !!!
I wish there was a way to hack an auto-dialler. That would be sweet to have that machine calling 1000 homes a day with some message giving out the home numbers of the collection agents that work for iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency . "Please call between 6 and 10 this evening.."
Oh man that would be SWEET!

Thats okay.
She'd be chasing a Sea Ray of similar size, and I have faith in my twin Volvo engines to outrun her.
She'd have to take a hop, skip and jump to Kingston to find me though, and I doubt she knows how to navigate on the open water of the great lakes.

Good point but good luck. I hear the (late) John E. Dowling did that. Didn't help him much.

By disputing a debt in the manner below, you are doing 2 things. First, you are telling them ?I dispute that I owe this debt and if you think that I do take me to court and lets let a judge decide?. In any type of contractual or billing dispute, a judge is the only one that would have the ability to say what if anything you owe. Second, once a debt has been disputed by the process below, the collection agency can no longer contact you anymore by law (see excerpt below).

Here is the debt dispute process:

Write a letter to the collection agency and creditor (who the collection agency is collecting the debt on behalf of) indicating that under the Business Practices and Consumer Protection Act you are disputing the debt and requesting that the creditor take the matter to court. You can leave it at that but may also with to include the section of the legislation that applies:

116 (4) A collector must not continue to communicate with a debtor

(c) if the debtor has notified (in writing) the collector and the creditor that the debt is in dispute and that the debtor would like the creditor to take the matter to court.

Best thing to do is to send it by registered mail. Make sure you keep copies of the letter for your own records and a copy of the registerd mail confirmation, this would provide you with the proof that the letter was sent and received.

Good Luck!

Well, I'm not making fun of you but if Natale sees you on Lake Simcoe in her 60 foot Chris Craft, she might.

And if she recognizes you from the Captain's deck, you'd better start paddling fast!

Ray

Are you making fun of the size of my canoe?