Did you know...if you phone equifax and say you suspect fraud on your account, this will stop any soft-hits on your credit report.

A soft hit is when a creditor contacts them to make sure your name, address, phone number and work number, and work place all match what you've given them. this is how they suddenly have your information even if you move or change your number.

I hadn't been contacted for years until I updated my work info at my bank. Within one week I was getting 8 calls a day at home and at least one a day at work. I couldn't figure it out for the life of me.

Collectors can do these soft hits and keep harassing you even if you change your info. When you request a free copy of your report, it will show who has been accessing your info through the soft hit.

By putting a fraud alert on your credit file, they can NOT do any more soft hits for information. Anyone trying to do so must get a verbal confirmation from the owner of the file. You must contact the agency every time someone wants to do a credit check on you. Which is fine with me anyway.

Pretty sure it's 6 years from date of last activity.

**Here's one for the books - had a woman call me from there the other day and tell me they have a debt from 1998 in Ont and because last activity was in 2012 in Ont - they have another 6 years to harass me LOL
I told her I haven't lived in the province of Ont for 13 years so "any" activity is someone else and please call the police and  report the fraud.
Also claimed it was on my Equifax - and it is NOT! Was never on there to begin with. [equifax confirmed]

*** Business must be so bad that they had drudged up debt from god knows where and think they can collect on unsuspecting comsumers with threats of - nothing short of harassment - after this long   LOL - Guess they lost their Handbooks...Maybe I should call the cops on them harassment and fraud ;) hmmm, now there;s a table turned!

To file a complaint Online.

Ministry of Consumer and Business Services Ontario Canada :

https://www.consumerbeware.mgs.gov.on.ca/compform/english/complaint.asp

Please copy and paste above in other forums Please and thank you.

And :



O.P.P Police.
Non-Emergency calls for service (24 hr Toll Free)
1-888-310-1122 (anywhere in Ontario)
1-888-310-1133 (TTY)

And

R.C.M.P:
130 Dufferin Avenue, 5th Floor
P.O. Box 3240, Station "B"
London, Ontario N6A 4K3
Tel.: 519-640-7267

$205.38 from a bell bill from Oct.08. I dumped Bell + returned receiver as well. Problem cleared with Bell Jan -09. Total Debt recovery still calling from yorkplan blvd Toronto. Unbelievable. Supposed Bell rep came to my home to reinstate me. Also said they can call me after 3 years + 30 days.? Thank God I have nothing to do with Bell for the rest of my life.
HEY, SHOULD WE PLAN A RALLY WITH PROTEST SIGNS AT TOTAL DEBT RECOVERY YORKPLAN BLVD TORONTO THIS SPRING? There is strength in numbers. Let's let the public see what Bell is really up to! I already talked to a paper. Next would be a local TV station on rally day. Let me know people.

Brilliant advice sir. Absolutely true and correct.

This number calls 5 times a day...either showing the number or hiding under private name and number....twice left msg looking for 2 completely different ppl...obviously wrong number...but  gets extreamly annoying when they call everyday several times a day....CHECK UR RECORDS BEFORE DIALING PPLS NUMBERS!

they called me this morning, no message. I have no debt anywhere, so not sure why would they want to call me at all...

Total Recovery honestly go get a life.  416-774-4000

The calls are for someone who moved out almost 2 yrs ago. I repeatedly  informed them that this person is no longer under this phone number and please stop calling but that falls on def ears. I have no idea who to complain to. I am so tired of getting these calls at all times of day. If anyone knows how to make them stop harassing me please let me know. I do not owe anybody anything so why are they bothering me? Is it not enough to tell them that this person cannot be reached under my phone number?

These collection agencies are constantly calling me!!!!! I just got the new cell ph nr and I hate it already!!! I want to report these calls to an authorized Canadian Agency. PLease share the info if you can guys!!

Received a called from this number, had a voice message saying total credit recovery.... BUT this phone number I just got as I just moved to ON, I called them two days ago saying to remove my number; they made a note... Well, the next day they called me again! I called them back but they said it takes 8 hrs to remove you from the system... Guess what? today they called me again TWICE!!!!!! Any actions I can do against them to stop calling me???

In Ontario, other than student loans, they have 2 years to collect a debt from the last time you made a payment or used your credit card. If you cannot pay, don't !! If they harass you by phone, change your number. If they call you at work, tell them to stop (they have to!). See a credit counseling service, if you need to discuss options. Don't made agreements with collection agencies! It is business to them, they are NOT working in your best interest ever! Don't let shame or guilt come into this. Few people go into debt with no intention to pay. Pay your rent, feed yourself, work as much as you can... the collectors can go and... themselves.

I am receiving calls purportedly from bell molbilty, directing me to call 1-800-811-8430. The calls have been traced to 416-774-8430.This is obviously a fraud. But what to do?

I have a new cell phone and have had it for 4 days and I get this number calling almost every day.
Please stop these people from harassing everyone.
I am an senior and don't need this additional aggravation in my life!

Well the guy above me is a complete illiterate retard...

Nevermind, found them....


Total Credit Recovery
225 Yorkland Blvd, North York, ON M2J 4Y7
416-774-4000

Someone post there physical address please. I am going to make a vist!

don't calmy agaen

This f****ng a** call my cell phone everyday,s***

I read a very good article that advised the same thing.  Do not acknowledge anything.  I'm attempting to keep my current things current and the old stuff I've had to let alone.  Credit raiting is finally rising again.  If it's a 1 -800 number we just let it ring.

Yes in Ontario there is a 2 year statute of limitations in which there must be formal legal/collection actions commenced or it will not be court assignable. The one thing to remember is that the clock will reset again back to 0 if you engage into any form of acknowledgment or negotiation on the record. Best thing is to avoid any contact or communication with them if they dont have a really good handle on where you are and cant serve you any papers.

If you have a iphone you can go to itunes and download silent ring tone then they will never bug you again cause they don't like leaving msgs

I have been telling these ppl for 3 years now, I had a serious fall, and am no longer working. I pay what I can on my outstanding bills however, things like oh, idk.. hydro, gas, rent ... oh and FOOD come before bills I am no longer using.. I DO put monies to them every single month.. ok, sure it is not alot.. not by far but, they are accepting it. My credit counselor said that if they accept the payments, they should not be calling.. if they would prefer me STOP, then fine.. I will.

What a bunch of jerks who work therte...They call you and them have the audacity to ask you to identify yourself....Get real...and get a real JOB.

Do not call this number 90293521215 again. You are harassing me. I'm totally disable from a stroke. If you keep calling me from total credit recovery one more time I'll report you. That is from all your numbers.!!!!!!!

Received a call from 416-774-4000. The number appeared but the caller name appeared as "Anonymous/Blocked".   Did a search of this number and found it was Total Credit Recovery. Whoever it was that called, left no message.

Called me today. I got the phone on the 3 rd ring but no one was there... didn't hear the phone hang up.

wow they keep calling me does this mean i need to change my cell number AGAIN. this is totally anoying and i am finally gonna go file bankruptcy so hopefully they will stop calling.They are relentless. i hope they are getting paid good money to be harrassing all of us.

They keep calling my phone and looking for the person who used to have my phone# I guess. I have been telling them for 6months and they keep calling!

why u call so early in d mrng....nd why u call again nd again,,if someone is at work..thn..try to undrstnd it,nd if its urgent,leave a message,dats it