NEVER give a collection agency a cheque or on line banking (has you accoutn info in it when payment done to them)........send them money orders only......who says you cannot pay visa instead of agency......was your account just wrote off by visa or is this just scare tactic......have you received statement from visa since december.......if so then pay visa directly.......if Scotia is the holder of your visa then go in and make your payments with teller........did you receive written notification from ARC about them holding the account.........the reason they get uptight is because the collector receives renumeration based on amount per account collected........he got uptight cause all he could see was his bonus cheque dwindling......if you still get visa statements and have received no written notification from ARC dont talk to them......tell them you are dealing with visa and not them and they can send it back to visa. Not positive about them but some agencies buy the account from creditor and they usually (if ever) collect 65% of the origianl amount.....fi you are going to pay them you are not obligated to pay interest to them......if the account has been sold to them then interest is essentially stopped on that account from visa.......

Just wanted to post my experience with ARC. I owe on a Scotiabank visa, the payment came out from the bank in Dec. I recieved a call shortly after from ARC saying the full amount was due immediately. I told them I wanted to contact the bank first to find out about the money that had come out towards the debt. I recieved a latter from them yesterday, and knowing now I cant pay the bank anymore I called them to make payment arrangements. Yes I called them! Anyways I spoke to a Mr Wong, and he basically gave me a sales pitch about how if I wanted he could reduce the amount and hook me up with a creditor for either a loan or mortgage refinancing to cover the debt. When I told him I wasnt interested in going into more debt and just wanted to pay it off, he became very agitated with me and sarcastic, saying well I guess you know it all, and theres just no talking to you! Once they realize your not going to fall for their tactics they get incredibly condescending and rude! I then tryed to set up the account online, after talking to my bank and making them aware of the itch ect, and they advised it may be wise to consult a lawyer so I dont get scammed. I dont even think this kind of thing is legal actually.I coudnt find them on any list of payees as of yet and will try to find out how to add them. This way I have a clear record of payments with reference numbers for all the payments I do make so they dont come back and say I didnt pay later on. I have also reserached the scam blogs on this company. Its hard to belive Scotiabank is affilaited with a company like this, and I will look into options like having my account transfered to a more reputable credit recovery firm. I will post again when I get more info on setting up accounts and do a bit more research on legal gredit collection practices in my province.

Here is the telephone number and fax number for A.R.C.

Toll Free:1-800-732-6509

FAX: 1-506-384-7531

I am new to this does anyone have the number for A R C or an email address?

Hey advocate,
Just for you...

Accounts Recovery Corporation!!

We had it set up but nobody ever posted about this company, so I probably took it down.

It's back up now and ready for some posting.

testing 123

Account Recovery corp