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.
hahahha...oh you guys are [***].
yes it happens, when you work for third party collections, you sometimes call the relatives of the debtor. too bad the [***] dead beat gave out your # instead of his/her own when signing up for a service, then that same # gets passed down to a collection agency...and THEN you get pissed off at us for calling because you have imbecile relatives who are out to screw you.
oh and for the "get a real job" comment, you have no clue what i make in commission dollars. so...stfu =D
MJR Collection Services tells me I owe a balance of over $9000 by using a credit card I never got. I don't want to "get off my [***] and get a job" to pay for something I never owed. Please stop generalizing. There might be some merit to people's complaints directed towards MJR.
Some c-ky little brat called me at 930-10 this morning (monday) Didn't state her name just asked for someone , by first name. I asked why she was calling, and she repeared same question, i hung up. Didn't want to talk to little brat.
She kept calling back, calling back, i pick up hang up, i say don't call unless you know in full who you are asking for.
this is basically what she said
WHY ARE YOU HANGING UP WHY YOU KEEP HANGING UP!! I AM GONNA KEEP CALLING.
As she was saying this i was asking to speak to her manager, because that is harasment and a threat. I don't want this lady calling me (I clearly ain't in collections). She wouldnt give me manager or her name, i told her its harrasment and shes like I REALLY DONT EVEN CARE! I WILL KEEP CALLING.
Note to you stupid little brat. You shouldn't be working at all, you're rude and annoying. Your communication skills and representation of your company is poor, collection agency or not, you do not abide by any rules. When someone asks for your name by LAW you have to give, you have to give your managers name or let them speak to a manager when needed. You wouldn't let me speak to yours because your a f--ing scared little brat whos gonna get fired.
Note to people who are being harassed . Get the agents name as soon as you see the number, that way, if they are rude you can make a complaint, act as if you want to talk to them and get their name, don't make it seem like you are going to tell their manager.
When i called back to make complaint the lady said she couldnt do anything because there are two officed toronto and mississauga, she wouldn know who to direct the call to she said next time get agents name.
Yeah, always plenty of bottom feeder sham "debt collector" jobs out there, huh? I guess they hire anyone, too, considering some of the uneducated knuckle draggers who keep calling me, looking for people who I don't know and who don't live at my address.