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.
I find these posts disturbing. What I don’t understand is how you people can sit there writing all these post to complain about collection agencies? Why are you in one in the first place? If someone owed you money and you called to ask where it was and they said they weren’t paying you, what would you do or say? Common people, take responsibility for YOUR actions, instead of blaming collection agencies, blame the person who got you into this mess…YOURSELF!!! Where do you think the world would be if nobody paid their bills? We would all be screwed. It’s inevitable that we all have to go to work and pay our bills. The longer it takes for you to accept that the longer you will be in debt and if cooperate with them you will have a pleasant experience. So to everyone who is a chronic complainer with Collection agencies, get off your [***], get a job and pay your bills then you won’t have collections calling you, it’s a simple as that. Let’s say it again shall we…if you want them to stop calling, you pay your bill. Yes it’s that simple!!! You too could be out of debt if you follow the simple instructions…to pay your bill. And for those who cannot afford to pay it in full, because we all know not everyone is a deadbeat and there are actually people out there who have hit a hard spot, that’s when you would make a payment arrangement with your collector. We are all human and that is their job, have some respect!
You try and make collection agencies seem so terrible, when it’s the majority of you who are at fault. I find it extremely amusing how all of you find the time to write hundreds of angry posts about some hard working decent people doing their jobs. When its apparent you all either don’t have jobs or do and just don’t pay your bills. Which is disgusting either way. (unless there are special circumstances) . DO NOT be angry at some one else because of your own irresponsibility, stupidity, or plain old laziness. Or inability to pay your bills. DO SOMETHING ABOUT IT. Stop whining and man up why don’t you?! And maybe if you show some respect you will get some. Ever think about that? Yuck…… find something more constructive to do instead of bashing those you envy.
I agree with you in what you are saying people run into hard times in there lives and have a hard time paying some of there bills but what people are complaining about is M.J.R'S tactics, they are realy persnally rude and they call you bad names now how professional is that,if i owed money i would work things out with them but they are all or nothing type of people
and since they can't have it all they get nothing,calling me names is not going to get you anywhere with me,beg borrow or steal and call 10 times a day f++k off.I all so know people have to get off there [***] and pay there bill's but they have to have people with a little bit of understanding and if people do not know the law let me tell you a secret as long as you make an effort to pay $5 bucks a month they cannot refuse it and tell them they are being taped so they know they can't refuse it i know that i did it many years ago and the phone stopped and then when i got on my feet again i paid them off so relax people just make the effort and they can't do nothing as for the rest of you get a job!!!!!
Collectors using the rude/aggressive modus, or the reasonable/psychological approach.
Well, a weak attempt at psychology anyway.
Cupcake, people don't post here for the reasons you attempt to get over. They share information for the purpose of helping and protecting themselves and others from the nuisances of the world. If bill collectors played by the rules there wouldn't be any need for this forum. Stop making a [***] out of yourself and people will stop bashing you.
You are obviously a bill collector! Get a real Job, will ya?
From my previous post, it should be obvious that we are not all deadbeats and that we all owe money. Maybe I should start harassing YOU about the debts of others and see how long it takes before you get pissed off.