Somewhat funny here... I say this because last week I recv'd 3 notices from 2 different agencies (MJR & CRM) over 3 different outstanding 7+yr old debts with TD (Overdraft, LOC and C.C.). Their phone calls have just recently started, and today when I went to chat with the fellow over a "Very Urgent MSG", I told him to hang on a second as I take my jacket off (I had just come in the door) and he immediately hung up on me. Humm...!?! LOL!! (Had he not, I would have treated him like a 976 call girl - that's always fun and freaks them out)
So, in my case it doesn't matter. These debts are stats barred and no longer on my credit reports. I'm guessing that this is TD's last attempt at collecting the debt before they sell it off to a 3rd party (Acktiv Capital, etc..).
My advice to others: Know when your debts are stats barred by provincial legislation at time of default. Verify your credit reports and determine if debts have been sold to a 3rd party. Refrain from overreacting - i/e: Don't let them make you scared. Have your facts in check then play your cards.
Well, there punch of collection agents on this line for collection agency ( MJR Collection Services Ltd. ) the funny thing is sometimes they use diffirent names if they leave a message to make it look important to call them back... like this is " Citi Credit MJR Office " and I'm Mr. Sh$t .. call me back at ...... they have different numbers: 905-671-4151 or 877-669-4935 they are in Mississauga, Ontario, Canada.
They represent many different companies.
I received a call from the same VERY RUDE idiot. I told him I did not have funds, he hung up on me abruptly. I called back. When I did, he called me a 'loser' (everything in ' ' is directly from him, no embellishments). He then said that he can't see why I can't pay the money. That I was an 'idiot' and I should be able to fix it up. I responded that I didn't want to talk to him anymore, that I wanted a supervisor. His words 'You can't talk to anyone else, you have to deal with me and me only'. My fiance then took the phone because I started to have an anxiety attack in disbelief. She got on the phone and this Josh fella, he insulted her and asked if I was her son. (which is funny because I had already told him previous that my mother is terminally ill with leukemia(when he asked why she couldn't give me money)) My fiance said she wasn't, he then said 'oh, what is he, your booooy friiend??' He started speaking to her as if he was an obscene caller. Saying such things as 'you shouldn't have been doing things to yourself when you were younger'. Basically, a number of inappropriate sexual comments and insults.
I can't express how upset she was and how much I want this taken care of and this Josh fella reprimanded and punished to the greatest extent of the law.