Hi all, Wally here,

I used to work with someone that worked at TCR, I am glad to say that I am out of the business now, and have never felt better about myself.

I called her up and got this piece of info for you all....seeing as Wayne is not returning your calls to his work number...try his home number....

[EDITED OUT PHONE NUMBER: We don't encourage collection agent's personal phone numbers on this site]
this is his direct line at home, I think she daid he lived in Richmond Hill or something,

Use it in good health, I would give you more info, but I don't want her to get in any trouble...she said it was listed any way so anyone could find out, she gave me the home address also, but I don't need to add that here....

Possibly so Raymond,

Taking an aggressive stance on anything will usually bring the critics out. As these stories develop, I will be very excited to send out press releases, blogging like crazy etc to help Canadians understand what's going on.

About Complainer Hater:
It's not a good idea to be self-righteous about money and debt etc.

I've talked to many successful people who were successful and then hit the bricks. All of a sudden their lifestyle becomes a huge burden. And... in most cases, these high flyer's life styles are way beyond what the average person can imagine. They have expensive tastes.

When their business goes down, they still have the expensive tastes and try to satisfy these tastes on their already over burdened credit cards.

They're way more in debt than the average person is used to, just to keep up appearances. And, of course, it's embarrassing for them to talk about it, so they don't.

When the big fish fall, they fall big, and sometimes they fall fast. It's way more spectacular than the family who owes only $25,000-50,000 and is struggling to get out of debt.

I've had my ups and downs in business since 1992. I've experienced some sharp drops in business over the years so I can understand what it's like to get into a hole. I've always been fortunate to be of good health enough to crawl out each time.

I've learned this: It's never good to be self righteous about debt and earning power. Earning power can vanish quickly.

You're missing my point. I don't think it was a a real complainer hater at all.

Real complainer haters stay away from complainers; they don't seek them out and they certainly don't take the time to write several tirade laced invectives. The forum must have touched a nerve.

It shows the forum is doing a good job; otherwise, it wouldn't be getting letters like these. When you don't get these types of missives, it shows you that you're being too soft and ineffectual. Therefore, may there be many, many more.

Bring it on.

Ray

I remembered seeing a "complainer hater" before as well, Raymond .
I found them in this thread.

Here's my diplomatic take on things.

People are people. People are either happy or not in their lives.
If you're not happy as a person in your life you'll probably be a natural complainer.

There's a difference between being an unhappy complainer and a person who is constructively complaining.

Most of the people posting on this site are constructively complaining.

CONSTRUCTIVE COMPLAINTS
Constructive criticism / complaining helps people/companies do a better job.

People for the most part, are raised to respect others and to treat others fairly. It's like the golden rule, do unto others as you would have them do unto you.

All of a sudden you get a collection agent in your face, disrespecting you and telling you what to do. That goes outside of people's comfort levels and to what they were taught.

Also, I've heard tons of complaints about companies like the credit bureaus who report millions of items of incorrect data on people's credit reports. This is wrong and people are correct in complaining about it.

People should be able to expect that companies will treat them respectfully and honestly. Reporting millions of pieces of inaccurate personal data is not treating people decently, honestly or fairly.

So... you may get a person that is completely happy in her life, but who has run into some unfortunate financial luck. Now she is being hounded by collection agencies and treated as garbage. I applaud her for standing up for herself, doing some fact finding by posting on this site and others and getting the information she needs to sort out the problems.

Constructive complaining can be done by people who are perfectly happy and who have every right in the world to complain!!

So... complainer hater's of the world... do you still hate these type of people? People who are honestly trying to help themselves and better their situations?

If so, you are a unhappy person who is a hater yourself. You'll live a miserable existence because you love to hate and negatively criticize other people.

Complainer Hater, Sorry that you're miserable!

Hilarious...
I just saw this post from Wayne MacLeod,

He's politely asking us to stop posting about Deanna Natale.

That's amusing!

I'm pretty excited to keep talking about them!!

Again, that's amusing!!

As a note for all of you that care about this sort of thing...Deanna Natale is no longer with TCR she has left our company and moved on to Global Collections, we wish her the best with her new company.

Please do not post anymore remarks with respect to Deanna Natale/Five Star Mortgages and TCR.

Wayne Macleod
VP of Collections,

Total Credit Recovery
416-774-4150

Re: your Nov. 4, 2006 posting regarding credit repair in Canada.

You say, initially, that you got into credit repair after receiving a call from D&A Collections (nice website by the way) in 2001 but on your "Express Credit Repair" site, you mention they first called you in January of 2000. Just wonderin' -oh well, it doesn't matter I suppose. By the way, who is "we founded...." ? The link only names one person, yourself.

But something that does matter are some of the illegal claims credit repair agencies make. For example, claims made by your "friend" Lee Harrison Credit Restorations" of Texas are downright illegal in Ontario and just plain ridiculous anywhere. Promises of expunging bankruptcies from individual's records are absurd unless the applicable period has elapsed. Also, if you read the Consumer Repoting Act of Ontario (cf section 22), people can go to jail for submitting false credit data. It's also illegal, in Ontario at least, for firms to charge an upfront fee before a client's credit reports have been reviewed and at least some repair has actually been performed for the applicant.

I'm including an excerpt from the Ontario Government website discussing our provincial laws governing it. Desperate people do desperate things; a drowning man clings to the smallest piece of floating wood. And that's how these "infomercial" quality companies make their money. People want to believe there's a shortcut and that someone out there has "an inside track." Well, there ain't any; the only things that fix bad credit are time and good payment habits. And you can have errors fixed on your file using your own efforts just as easily as by paying an agency to do it for you. Besides, those in financial difficulty don't have a lot of extra money for unnecessary expenses. Rather than wasting money on people like Lee Harrison (if that is his real name), you'd be further ahead putting the money toward your bill collectors, or failing that, a trustee in bankruptcy, or failing even that, a nice vacation. Anything.

With respect to claims of having provided a unique, cutting edge, ground breaking solution to credit repair, there are currently 2.93 million links to it on Google and there's been a substantial number of them for a long time.

As for Mr./Ms. P. V.'s "MUST READ" letter on credit repair: if there really is a "P.V.", then his/her mother should have been the one slapped in the hospital delivery room. Good heavens, where did you dig this character up from - Michael Jackson's Thriller video? Even being as charitable as possible, I think it's time to rebury them, now that Holloween is over. It's not clear whether this rambling incoherent discourse is done by someone completely illiterate or under the influence of drugs or alcohol. Probably both. Irrespective, you might want to reconsider your choice of testamonial material unless your business has a death wish. I notice you're not exactly being deluged with postings on your site unlike others. Ever wonder why?

The excerpt from the Ontario (Secretariat) Ministry of Government Services follows (Fellow bloggers, please note particularly the 2nd bulleted item under "your rights."

Credit "Repair"
"Buy now, pay later!" This phrase has become a mantra for many who embrace the credit concept. But when the bill comes and you have no way of paying it, debt begins to spiral out of control.

That?s when the "Fix bad credit... fast!" line starts to look appealing. And it's everywhere these days ? on television, in newspapers, and displayed prominently on public transit buses and trains.

Desperate people are often disillusioned when a credit repairer promises to fix their credit. In reality, they often only add to the debt by requiring payment for accomplishing nothing.

If you?re thinking about using a credit repairer or want good advice regarding credit, here are the things you need to know.

Quick Tips

Be wary of advertisements promising to "fix" bad credit. Credit repair companies may claim to improve consumers? poor credit ratings, but, in reality, no credit repairer has the power to change or erase accurate information in a consumer?s file.

Watch out for companies that say they?ll "fix" bad credit for a fee ? often substantial, usually payable in advance. So-called credit repair clinics say they will arrange to have negative credit information removed from your record ? including information about bankruptcies and default judgments. The Consumer Reporting Act provides rules regarding how long this information may appear in a consumer report. No credit repair clinic has the authority to have negative information removed from a consumer report unless it is inaccurate, or the rule in the act requires that the information be removed.
Your Rights

It?s illegal for credit repairers to accept advance payment, security for payment or to charge a fee unless their services cause a material improvement to the consumer?s credit file. For example, if an account owed by one consumer appeared on the wrong person?s credit file, a correction of that information achieved through the efforts of the credit repair company would be a material improvement.

It?s illegal for a credit repairer to represent that they can cause a material improvement to a consumer?s credit file, prior to examining the consumer?s consumer report.

Consumers have a 10-day cooling-off period, which begins from the time they receive a copy of the agreement that meets the requirements of the act. If the company fails to repay the money, the consumer can take the company to court.

Credit repairers must provide the consumer with a written, dated contract.

It?s illegal for credit repairers to make false or misleading claims. In reality, no credit repairer has the power to change or erase accurate information in a consumer?s file.

Hello:
I too wondered what else Judy found out about Total Credit Recovery.

My husband & I did have them investigated by Consumer & Corporate Affairs in Calgary. Their operator that was harrassing me at home & at work was supposedly fired. She made the mistake of forgetting to block her name & phone number on one of her many calls. I had recorded dates & times of all the calls & can sue them if I so choose.
You can't reason with these people & I have no respect for them. It didn't matter how many times I told them this was not my debt they kept claiming it was & this woman went so far as to tell me I didn't sound very smart. She found out differently.
So, I don't consider people that request help from this forum whiners but people in need of advise as how to handle companies such as TCR. When you are trouble whatever the reason sometimes a little advise can get you back on the right track. All companies like TCR like to do is belittle you, threaten you, & make your life more miserable than it is.
So Glen I'm glad you made out okay but everyone can't do it your way. A little compassion goes a long way.
Marilyn Murray

What "stuff" do you mean??? I was hoping for a response from some users of the site.

Hey Glen,
Sometimes talking about this stuff is exhausting and time consuming :)