someone from this number l has been calling my number looking for a former neighbor who actually never lived at the address he provided to her...Suspect she is from a collection agency.
They are neither the Credit Bureau or a collection agency. If they call enough people at random and actually get their name right, eventually they're bound to hit upon someone who actually owes money and will give up their personal information. They're probably the same idiots who pretend to be duct cleaners, Microsoft, Bell and Rogers. If they were legit, they would know exactly who you owe money to and how much and wouldn't be phishing for information.
Ok, then can you explain to me..why they called and asked a neighbor if she could deliver a message to one of her neighbors? When said she didn't anyone by that name, they asked her if she lived at so and so..they actually gave her her own address? WTH? WHAT kind of company crap is that?
You will find no sympathy for your story. I empathize with people like me who move to a new city, get a new phone number and boom, several phone calls for some guy who didn't pay his bills and must have run out on the phone number.
As a personal banker, let me give you some advice...
1) You are being called because you have debt, and debt collectors want to get paid, they don't care about your story, So any personal banker that told you to pay down your mortgage OVER paying down higher interest debt SHOULD be fired immediately,
2) If you made 100,000K+ for a decade AND live alone AND still have a mortgage AND have enough high interest debt that you have already gone through your RRSPs and savings, then you clearly DID NOT put all your income towards your mortgage......unless you bought the biggest, most expensive house you saw in an upscale area which would be a stupid idea to begin with!
I see a LOT of people who have lost their jobs, but never heard a story yours, so yours is not very common these days.
Just a note, in Canada, there is NO statute of limitations on debt. Unless you settle the debt through bankruptcy, or by paying it off, it will get passed from debt collector to debt collector and they will all try and collect. Keep in mind also that in Canada, debt obligations are legal obligations, and should a debt collector take you to court (which they must do within 24 months of buying the debt but the letters and phone calls can go on forever under current legislation), a judge will uphold the debt. You should check out the Office of Consumer Affairs page on the Government of Canada website (www (dot) ic (dot) gc (dot) ca (backslash) eic (backslash) oca (dash) bc (dot) nsf) and look up the laws as they pertain to your province.
someone from this number l has been calling my number looking for a former neighbor who actually never lived at the address he provided to her...Suspect she is from a collection agency.
My wife and I live in a mobile home park with about 150-200 units. A "nice lady" called looking for a certain person who just happens to share the same last name as my wife's maiden name but there is no relation. Last we heard this person people occasionally call looking for also lived in the same mobile home park although we have never met her and have no idea which unit she lives in or even if she still lives in the park. What we do know is at one point her number was listed immediately below ours in the phone book and on occasion when people have called here looking for her, we have always told those calling looking for this lady to try the next number in the book to which we are thanked and the call ends.
This particular time, after being informed that she had the wrong number and to try the next one listed in the book as that, last we knew, was likely who they were looking for, this lady in an emotional plea claimed to be searching for her biological grandmother whom she had never met but had tracked to the address of the mobile home park where we live. When I informed her we are 100% certain that she had the wrong number, emotional and distraught, she thanked me and hung up.
Less than a week later now, someone who identified themselves as a collection agency called seeking the same lady from a totally different number 416-297-7077. I told this agency the same thing I just relayed to all of you. It is very unusual and rare that we get calls for this lady more than once a year so I checked the two numbers that have called looking for her. The one who identified themselves as a collection agency today are in Toronto.
When, I checked this number 905-688-9877 from the lady who called earlier this week claiming she was looking for her biological grandmother after being told she had the wrong number, which honestly was a new one, sure enough it is listed as belonging to a different collection agency in St. Catherine's.