bullring:

When u get a call next time from CRS, tell them you haven't received a letter that they're collecting on you. From there, they have to send you another letter before contacting you again.

Then if you want to take it further, you can ask them to provide proof that you owe the debt. Or send them a registered letter that they can only contact you via mail.

I'm receiving calls without having gotten a letter

I certainly wouldn't be surprised if a collection agency got shut down for trust fund or surety bond violations. That's a different ball game. The government would be real quick to act on something like that because of the scandal implications if they didn't. The detailed operating financial and administrative responsibilities of a collection agency are laid out in the Collections Act; and the one (and perhaps only) thing the Government is good at is enforcing bureaucratic legislation.

An entirely different standard is applied when it comes to debtor rights. It's a real simple standard: They don't have any. Practically speaking, a blind eye is given to even outrageous collection practices because of the unspoken but tacit understanding that debt collection sometimes requires one to "bend the rules."

Ray

When collectors always use high stress/pressure tactics, can you guarantee they won't trigger someone who's mentally unstable to do something tragic? Or collectors only pressure the weak or disable?

Anyways, Im still waiting for your post regarding your conversation with Contact Resources.

Being a debt collector for numerous years I've seen a lot of abuse that collector's did on their own. The end of the line was when my ex employer decided to pressure collectots to defy the legislation act. I quit over that and now I'm on the other end of the cycle. I have no issues with any agency or collector who follows the legislation. It's when the step over the line. Knowing that they are willfully breaking the legislation. Thats when I draw the line. We all have jobs to do in life. Being a collector is a job and it's frowned upon. However it has to be done. Business is business. I use to fear the Ministry. Now I look back and say to myself there not to be feared as a collector. As a debtor, I have to fear that the Government won't act on their own legislation that was imposed to protect all individuals.

As far as the other comment about shooting. That is just warped and deserves no other comment except that's a sad thing to say.

Im thinking the States must have a way better regulation than Canada to control these bottom feeders. I always hear them reporting shooting in campus..have you ever heard shooting happened in a collection agency?

XDebt_Collector

What I meant is... some people complain about all types of things. They're complaining about things that aren't really factual, but more annoyances to them.

IE.. a collection agent is annoying them, but is really in fact staying within their regulations. That isn't a bonafide complaint.

Ifyou have a debt outstanding, and the collection agent is authorized to collect you, then there is no issue. there is no complaint.

If a collection agent isn't working within the regulations, then you have a bonafide complaint. Many times it's a matter of being educated on the details.

That was my point.

Thus if you've got a bonafide complaint and consumer protection does nothing, your MLA or MPP maybe the next step in getting your complain acted on.

Thanks Raymond for the responce. Off subject on this note. I've heard but haven't confirmed that the ministry has closed down a collection agency in the past for violation's of trust funds. I don't know of any agency being closed due to violating a debtors rights. I guess when client's don't get paid and a agency uses the funds for other means it's taboo. However a clear violation of a debtor's rights is just another angry small individual. Cheers.

Monty is suggesting that you call your MLA. In Saskatchewan, members of the provincial parliament are called Ministers of the Legislative Assembly, eg, like our MPP's in Ontario. Ontario's current Minister of Justice is Attorney General, Chris Bentley; and so Monty is suggesting you write a letter to your MPP and have him send it on to Bentley.

When you write that letter to your MPP, he/she will either file under "G" OR send you a form letter suggesting you send another letter to..........yes, you guessed it..... Brian Pitkin.

However, all is not lost, I understand that Deanna Natale (aka Natale Law Offices) has a mother who is a MP; maybe she will be able to help you. True, Judy Sgro is a MP and not a MPP, but, hey, at least it's a starting point ...........for self torture.

Ray

Monty, please excuse my ignorance but what does this mean to me? "IMO, if Ontario justice gets a bonafide dispute letter that meets their requirements, they MUST act on it. If not, you go to your MLA and make complaints there.

QUESTION: XDebt_Collector, Did you get any response back from Ontario Justice? A letter that explains their plan of action/(no action)