Ok I owe money mart money, took a payday loan and did not pay it yet. I received a call last night and ended speaking with a supervisor named, Kim, I told her I can and will pay it on October 22, in full, she said no, I am going to mark your account "refuse to pay". My question is can I pay on the 22nd anyway with certified check? Will they accept that?

Any answers help.

Wow! That's as good a record as Fedor's!

As for not fighting: would I be wrong in assuming that I have cost collection agencies more than a few pennies through exposing their shenanigans? Otherwise, why would Deanna Natale of Natale Law Offices, Wayne Macleod, and a host of other collection lackeys too numerous too mention, bother contacting the forum if it wasn't costing them a lot of money? Those people are interested in one thing and one thing only.

My previous recommendations to you still hold:

1. A psychiatric appointment (Oh what heck, make it a complete assessment).

2. A basic course on economics.

3. A basic couse on Canadian Civil Law.

Since you have a genius IQ, the last 2 shouldn't take you long to complete. Besides, you'll need them as background when you move into 24 Sussex Drive.

Ray

Well, Raymond,

I'm 28-0-0 in court, including a case against 2 Montreal Detectives in 1974, who tried to frame Me for a B&E, just because I was in the same area as the guy who was guilty of it.

I refused to play dead, and fought Them, and when the Judge realized what was going on, in His Court, He went ballistic.

They didn't end up in jail, like I wanted, but it cost Them Their Careers. I've been fighting all My Life against people like Them, and people likeYou, who are perfectly prepared to lie down and play dead, every time someone does something to somebody.

The level of corruption in this Canada, would make many sinners, BLUSH!

But Thank GOD, many people are beginning to fight back. There are currently more than 40,000 members to a New Political Group, I helped start. And We're adding more members everyday.

As far as Economics, how many businesses have You/do You own. I've owned 6, currently owning 3 of Them. I'm also starting a Fund Raiser for the families of Canadian Soldiers, who have died in Afganistan, to pay for Post Secondary Education for Their Children.

And as far as My Abilities, in case You haven't figured it out yet, it's been confirmed 4 times, that I have a Genius IQ, the last time about 15 Years ago, by the Feds, who called Me in, on a shortlist, to try and determine how many people like Myself, They were losing to the U.S. It wasn't a pretty picture.

But, since You're obviously going to put Your Head in the sand, maybe You should do what Steve Winwood said, in the song, and go to sleep and We'll 'Wake You Up On Judgement Day'. But don't strain Yourself, falling asleep.

Thank You, and Good Night.

NAFTA? Jurisprudence? Money Mart dispute? You are completely out of your mind!

Very sincerely, might I recommend the following 3 things to be taken in order?

1. A psychiatric appointment 2. A basic economics course. 3. A course in Canadian Civil Law.

Ray

To: brokeinOttawa (and others, who are interested)
Now this going to sound off the wall, BUT, follow Me here.
When We were negotiating NAFTA - that's right, NAFTA, there was a provision that Mulroney didn't want in, but the Americans insisted on.
The section is called, 'Transference of Laws'. In simple terms it means that each Country in the agreement, has access to the other 2 Countries Laws and Jurisprudence.

Now, just in case You don't know what Jurisprudence is, it's all the Legal Decisions, that come because of Court Cases.
You mentioned that You tried to pay of the money owed, but They refused to take the money. Under American Law, which because of NAFTA, You have access to, refusing to accept payments, means that the 'Debt is Paid-in-Full'. They can't refuse to accept Your attempts to make up for what They deem You owe Them, even if You offer to pay them back, at $10.00 a month. You are attempting to make good on Your debt.
Also, unless They have a Court Decision against You, which They advised You about, They can't have anybody just give Them money, not even Your Bank.
It sounded like You didn't know about any Court Decision, in which case, if They failed to notify You, about a Court Case, and They won by default (You didn't show up), there's a chance that the decision can be overturned.
I had a similar case several years ago, when I was at a Canada Trust, taking care of My Mother's Estate. I was talking to the Canada Trust Rep, and could hear a Canada Trust Collector, yelling at a Canada Trust Client who owed Them money, on Her Mastercard.
The woman had been Downsized, and had been waiting for Her First Employment Insurance Cheque, for 10 weeks. Canada Trust simply went into Her Bank Account, after She deposited the cheque, and seized all the money.
I won't go into all the details, but after listening to this Collection Agent yell at the woman (Yes, I could hear Her, even through I was 15 feet from the phone), I finally excused Myself with the Canada Trust rep I was talking to, and went and stepped in the argument.
I found out that Canada Trust had never taken Her to court, and, of course, if They had, You can't seize ANY Government Cheque, of any kind. NONE!
So, They couldn't have taken the money out of Her Bank Account, if They had gotten a decision against Her.
I told the woman on the phone that I was the Client's Lawyer, and advised Her that if They had returned the money to My Client's Bank Account within the next 10 minutes, I was going to go before a Federal Judge and have Canada Trust charged with Wire Fraud.

She said that They couldn't return the money within that time, so I said, 'Then I guess You and Your Bosses are going to jail for Wire Fraud. I believe the minimum is 10 Years'.
The money was back in Her Account within 8 minutes.
The bottom line, make use of the 15-30 minutes FREE You can get with a lawyer, then go to another one, and get more info.
Pass the info around. If I told You just how crooked Companies, and Yes, Our Politicians, are, You would probably just want to hide in Your House.
It's time We cleaned up this Country. If it wasn't for people like Us, there wouldn't be a Country. We're the one's who make the Canadian World go around, good or bad, and We deserve more RESPECT.

Nuff Said (Sorry it was so long, but it was important).

peace out folks...
let's keep the conversation constructive , PLEASE!!

I'd be mad too if I worked at Tim Horton's and had to serve you. She probably apologized because she didn't want to lose her minimum wage job.

" i asked the girl at Tim Hortons this morning if she was made at me or her situation. she was mad at having to work at Tim Hortons and appologized for being rude to me. Try changing what your putting out and maybe yourll see results... Good movie called "The Secret"

It's that movie based on the Laws of attraction? So what you were putting out was a "some kinda negative thoughts" and you attracted a "negative employee". Goes to show you what you are puttin out.
But thanks for the hot tip on the movie Oprah.

Anyways....

I think what brokeinottawa was saying is that he or she made some arrangements to pay them back and was lied to. I would be upset as well if this money was budgeted for food or rent. It doesn't sound like Brokeinottawa was running away from these payments, more like he or she was arranging something so that he or she could manage to pay them and still eat and have a home.

hey broke.. did I direct any comment to you or one person? your not that special, so calm down. i use the word YOU so the reader related it to themselve. people are way to touchy. This is for you tho.....
if you notice i said a large % dont want to deal with their debt. so your not in that %, or at least you state that your not. if someone "refused" to take a payment from me on a debt i owed (which i doubt is a common occurence as businesses are in it for the $). I would have gone to another store, or went to store manager/supervisor or even higher right then and there. they store if obligated to give you their names. theres always something that can be done. if your not getting results you want from what your doing, do something else. if you were that motivated on making arrangements and cleaning up your credit, im sure there were other ways to get your payment in.
and again, if you had dealt with the debt when it was due, there wouldnt be an issue about the bank recertifying your chq 2 months later. (if you read from early post, that is also money mart policy to send chqs to bank on recertification and up to your bank as to when to take the funds, just like if you cashed a bad cheque in your bank, they would just take the money out.) and if you dont like the way someone treats you, tell them or again higher. i asked the girl at Tim Hortons this morning if she was made at me or her situation. she was mad at having to work at Tim Hortons and appologized for being rude to me. Try changing what your putting out and maybe yourll see results... Good movie called "The Secret" check it out.
rant off.....

Broke... he's a collection agent. Don't even listen to him let alone defend yourself.

DID it 2 yourself I in NO way implied I did NOT do it to myself. The fact that I made arragements with the company was an attempt to honour my debt. I had dealt with them for YEARS without a problem,this is the first time I had a cheque bopunce with them, I am NOT in the habit of doing so on a regular basis so before you cast aspersions to the wind, make sure you have all the facts please !!

As for avoiding it once again you are wrong I made attempts with the actual "branch" to pay back a certain amount at a time and they would not accept that. Despite the fact I had a very good reputation with them to this point. Also it is very difficult to contact a place that don't answer their phone and who's voicemail is FULL all the time !