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.
These [***] have been calling my Mom for years now and now matter how many times my mom tells them i don't live there they keep calling.All the people who are saying "pay your bills" should learn to read and then [***], as you can read from the many complaints on here most of the calls are completely misguided or inappropriate. 6 years ago I cashed a cheque that my bank told me was good... 3 months after the fact the bank told me it wasn't good and i suddenly owed them 1500 dollars.. now you tell me if i should be paying... these MJR guys are the last rung on the collection ladder and they buy these accounts for fractions and fractions of the original debt. Tell them to go to hell because chances are at this point its not effecting your credit anyways.
I received a call tonight from MJR collection! Yes I owe. No I can't come up with $5900.00 to settle. I would like to arrange a payment on monthly like 100 200 a month but we argue she hands phone over to senior collector he threatens me A lot does not want my excuses... Tells me to pay up or get a Lawyer. and then hangs up.. who'd thunk i would [***] MJR so much they would hang up on me :) Bad attitude my [***].. you hardly even know me or my lawyer. I will wait for tomorrows call i guess
BTW they sugested I use a credit card to pay off my credit card debt hmmmm
MJR Collection on behalf of WELLS FARGO. Wells Fargo could be given a copy of your death certificate and they'd probably dig you up out of your grave just so they could sell your bones for the mineral value.