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 guys are pathetic. They keep calling the wrong number and don't get the hint. So they're being rude to me, and I'm dying to driver over there and smack the [***] out of all of them.
I do wonder if you work for the Collection Agency. Sure sounds as though you do. I can't see why anyone would be on this site, unless they owe money or work as a collector. Having said that - it must really suck being a collection agent. And if you happen to be a rude one I wonder how it's working out for you being rude to people who are in a bad situation. Let me remind you "What comes around goes around"- Karma You may think that it will never happen to you, I once thought that way myself. No job has security these days...not even for a collection agent.And things happen in life - car accident, brain injury, divorces, to name a few. There are a limitless sudden events that can occur to suddenly turn a person from rich to poor. A good many people in debt - do try hard to pay their bills and have every intention on paying them. A little advice to those collection agents that are rude - you would get better results if you are nice and work with the people not against them. Treating people like crap and pronouncing their name wrong when they are depressed as it is, just makes it worse. Perhaps you do not care to know the statistics on people who decided after a rude call from a collection agent - to give up on life. I am not saying the phone call is the reason, just that it adds to the problems they may have had and makes the decision easier. Had the call been different, those people probably would have had a sense of hope. Telling people to get a job...seriously poor advice, since the unemployment rate is extremely high and we are in a recession. Competion for jobs are very high...BTW I do have a job, trying hard to find a second job just to survive. I do pay my bills - just not able to make the payments I would like too and that are required. I am fortunate though, as many people are desperately trying their hardest to find a job...Shame on you for being so judgemental, when it is obvious that you are not with the way things are in this day and age.
i cant belive they called me again. rude black sounding girl left a loud and rude message on my phone.
Note: they are not calling for me but for someone who hasnt had the phone number for 2 years. they keep calling and calling, shows how [***] lame they are can't even get someone. Must be soo easy to run from collections, they don't even know the persons new address.
Last time they called a [***] kept calling back when i hung up and wouldnt let me speak to her manager.
the message they left said "this is ___ calling on behalf of chantal at mjr, its important that you call her today to discuse a legal matter with mr. ceron.". Soo loud she was yelling into phone, and befor she hung up i could hear person in background yelling at someone else "if you do not pay the full amount you will...*click*"
Its not that all of us don't want to pay our bills ... but these people are scavengers ... they call you names, yell at you, and threaten you. and to top it all off they refuse to make payment arrangements. we are not complaining about paying the bill only the mask this company puts on every morning.
Please everyone,let's keep this site for reporting nuisance telephone calls.
It is not intended to be chat site. It will eventually lose it's purpose.
Thank you everybody and try to relax and have a good day.