These people keep call my number and asking for someone that does not even live here. I told them they have the wrong number and they said they will continue to call because this is the number the person provided when applying for what ever credit they received.
I said I would report them, they didn't care and still continue to call 2 to 3 times per day.

this guy call my said i own pc bank $9900, if i pay within 30 days, i only need pay $6200. that credit card i have stop use for 2 years, and i''m sure i clean my balance. but i have already cut the credit card, i and forget my online username, so i called pc master card. i gave them my info and they said i didnt own them money and tell my to ask debt collecters the account number. so, for now, i know i dont own anyone money, could i just ignore them?

well these person were looking for a guy. who has been dead for 5 years....they said call them to pay them NOW?I said ok...no calls ever again....weird

My elderly mother received a call. A man's voice instructed her to get a pen and write something down. She is vision impaired and lives in an assisted care facility.
She hung up.

want to report them

I owe no one and I get a call from this @ 416-916-9162

First and foremost, do not promise them anything as it resets the 2 year clock they have to actually take legal action if they want. 2nd, call them back, ask for thier address, then send a letter outlining to correspond in written form only, and to provide a statement of account.  Once they have the letter, they MUST legally contact you in writing.  So no more phone calls....HOWEVER, you do have to reply...you cant just shred their letters and say you didnt get them or they can start calling again.  If you make arrangements, make ones that you can keep.....a lot of times, they will compromise...especially if you actually know the laws, and YOUR rights as the consumer.

I seriously have no idea, what the heck do they want! Rude are they, nawww!! They couldn't be!! they are a classy organization??? Ya okay!!!! right!!
Here's an Idea, technically they owe me for my phone usage calling them back! how about that, tried asking them for a updated document, forget it!! they responded "NO we have already sent it to you", and then accused me of giving them run around. Without the proper information/documentation and how they arrived at an outstanding debt I have no recourse to go to my bank, do I just walk into my bank and say I have to pay these people according to them, Which however I did my best (try getting to your bank in a wheelchair in the snow many times) so I do however have records of payment to this organization(s) ??? that's questionable because which one? they keep sending me statements (ie"threat letters) and harrasing another phone line whose party (elderly) has nothing to do with it. And to bout they threaten them as well!!

Attention To All The Creditors Looking For Michael John Moore AKA Richie Rich !!!

Michael John Moore Doesn't Have Any Association With My Company BlueSkyMultimediaProductions.com 647-726-5463 !!!

Michael Can Be Contacted At 647-781-7525 Or 416-760-2224 !!!

Last Know Addresses Are The Dundas Square Hotel 416-504-2021 223 Church Street Or Bachs For Rent 100 Pembroke Street 416-807-8821, Toronto, Ontario, Canada !!!

Previously From Newport Beach California, New York City N.Y., New Orleans Louisiana, Victoria B.C., Edmonton, Montreal and Toronto !!!

Collect Com Credit - Collection Agency, Collection Agencies

416-916-9162  Saye, File # 139900

TD Visa, Royal Bank Visa

Allied International Credit - Collection Agency, Collection Agencies

1-888-238-0467, 905-710-1200 Ben Hubbard

Capital One Collection Agency

905-943-2344 !!!

Aero Union Corporation - Collection Agency, Collection Agencies

289-789-1136  Kelly Morano !!!

Thank-You, John Pierce, JohnHollywoodPierce !!!

Caller: Aero Union Corporation - Collection Agency
Call Type: Debt Collector
Caller: Collection Agencies Looking For Michael Moore

I got a message today from that number. It was eerie. The guy actually said he was from a bank (happened to be the same bank I deal with but I don't have unpaid debt!) and he said who he was looking for a males name (I am female but the last names start with the same letter)  and he stated the address of the person he was looking for - which happens to be exactly 5 houses down from me -  same Street and Ave.  Weird or what? They sure don't stop at anything to find someone! I think if they call again I'm going to ask where they got my number from because I think they have a way to just randomly put details together and then call numbers based on things that match. Like similar addresses and banks. Anyone know if they can do that? I've had my phone number for over 15 years and lived at my current address 9 years so it might have been a wrong number but quite the coincidence.

I got a message today from that number. It was eerie. The guy actually said he was from a bank (happened to be the same bank I deal with but I don't have debt!) and he said who he was looking for a males name (I am female but the last names start with the same letter)  and he stated the address of the person he was looking for - which happens to exactly 5 houses down from me -  same Street and Ave.  Weird or what? They sure don't stop at anything to find someone! I think if they call again I'm going to ask where they got my number from because I think they have a way to just randomly put details together and then call numbers based on things that match. Like similar addresses and banks. Anyone know if they can do that? I've had my phone number for over 15 years and lived at my current address 9 years so it might have been a wrong number but quite the coincidence.

Just had an agent try to convince me that holding the line after being hung up on isn't threatening to a house with two people with food allergies in the house.

You're not convincing me of that.

They call private number and usually I don't answer those calls, but because of daycare for my sons, I have to. Anyways they start talking to me like they are my friend then they turn. Ask me to confirm my address and what not. Sorry but I don't just give out my address if I don;t know what your call is in regards to. I hung up on the girl yesterday and she called back today and told me I had 1 hour to call them back and cooperate or else... pffft Go F yourself lady

actually you would be responsible for the court costs...and its kind of funny that u would even want to admit to "short paying the bill" wheres ur integrity... i would NEVER want to be in collections - its not supposed to be a joy ride? what are they supposed to do call u and politely say oh hey i no u defaulted on ur contract but could u maybe please pay at some point in ur life?? uhm no get over urself - honestly pay bills like everyone else and if u f*** up then do what is necessary for urself after all avoiding agencies like this will just affect u not them at the end of the day whether they get u to pay or not they go home with a full paycheque and a salary of MINIMUM 40k a year and thats a JUNIOR collector. think of all the stupid people they have to talk to all day long?? before u bash the job - do it for a week and see how long u last.

Got 2 voice messages on my phone which I only used for my fax machine.
I called back and asked what was it all about as I don't have any debt.
The lady asked if I was xxxxx which was similar to my name but not exactly.
I told her no and she said she will delete my number.
I guess when these collecting agents cannot find the target, they will just look up the phone book for similar names.

CollectCON bill collectors...  just a pile of BS from bottom feeders.  Dumbest thing is to ever answer their phone calls.  They have a robo-caller that simply plows through all the numbers in its database AND hope that someone is stupid enough to answer the call.   If you answer the call... they will bombard you with calls into infinity.  By answering the phone you have proven that there is a human on your end of the phone line that they can annoy.  By ignoring all their calls ( including their 'Anonymous' with no phone number showing ) their robo-caller moves your number to the end of its return call list.

Best trick for dealing with scumbags using a robo-caller is to locate an MP3 sound file of a disconnected phone ( as used by the carriers when a phone number is no longer in use )  the message always starts with a blast of a few tones and then a recorded message that says the number is no longer in service.   The burst of specific tones at the start of the message are recognized instantly by robo-caller as being a disconnected phone line that is no longer in service.  The second the robo-caller hears those specific tones it will automatically terminate any future phone calls to your number as it will have recorded in its database that the number is no longer in service.  Grab a copy of the 'no longer in service' mp3 and save it to your computer or mini-recorder or mp3 player and have it ready to play for the robo-caller.  

;)

http://consumerprotectionbc.ca/consumers-debt ... debt-collection

you can follow this link and print the form for mail contact only. Or you can just write a letter to the creditors. It seems to take a week or so but after that, by law they cannot contact you by phone again. The exception is when one credit agency sells your debt to another,. Then you will have to submit a letter to the new company.
this is BC law but it is pretty much standard across the country.

These guys are funny, total gutter collection agency. TD f****d me on my Visa interest so I short paid the bill, these chumps have been calling for over a year now, lol ..guess what, chump-change, the very worst you can do is sue me in small claims, which is a provincial process, so I guess you have to fly out from T.O., stay in a hotel plus pay court costs all for a $500 debt, lol...don't think so. My phone is on silent during the day, and I turn my answering machine off.....lol..good luck!  8=o-----

416-916-9162 yes. this guy calls at night, usually around 8:30pm. Sometimes at suppertime. Trying to collect old zombie depts from 7 years ago. Told him I had an accident and was disabled. So he said," So, When are you going to pay it." "You need to pay it immediately"

the law is they can call your work one a week to verify that your employed only and can not release any information what so ever if they do , they can lose there license, further if more than two years old all they can do is call, they cant do anything to you unless they got judgement against you, they are a** wipes for sure but relies you have rights don't be the victim,

As of today this number 416-916-9162 is still being used by the collection agency.

They do not introduce themselves or try to sound important and rush you and get information out of you.  I politely told them to F-off.

I have always paid my bills, my company was defrauded and ended up in this crippling lawsuit, in one day I got 35 calls from various collection companies, I was on antacid pills, stressed out, I just wanted to crawl under a rock, they were going to take everything, jail me you name it, FACT if the creditor after the debt is known fails to take you to court within 2 years, there out of luck, they cant do anything except call, and once you notified them your disputing the claim they cant call you again. If you are served a power of sale notice and they don't take the house back within two year...yep they cant sue for the shortfall and cant sue the guarantor, and there is case law that if they don't take possession and sell after a couple of years you can apply to the courts for a discharge, this is all about being informed, don't take there crap, and the biggest mistake don't pay even a penny if you cant, it restarts the two year limit. These creditors I have had the opportunity to refinance me and chose to push me down, now there getting nothing, hey your credit will suck for 6 years but its all ready bad at this point so you can only go up from here, my rating fell below bankruptcy status, and they threaten to damage my credit...lolo

I tried to do that. At first they called a person with a similar name, they laughed at me when I called back to say I wasn't the one they were looking for. I filed a complaint with the Better Business Bureau, Collect Scums basically said sorry, but my name is similar to the person they're looking for, not their fault (???) and said they won't call again. They called again, and when I called back telling her what she was doing, Jasmine made a few racist remarks about me having a Latin accent and hung up on me. Filed a new complaint, but... Is this going anywhere? I don't think so. I'm unlisting my home phone number and start recording every call I get on that line. I just wrote to TD bank on their "feedback form" and told them off. I can't believe Canada allows this. For the record, I haven't had a single transaction with the TD Bank, not even cashing a check. I think they got my last name from the white pages and assumed I was the person they were looking for. Also, it's so sad to hear racist epithets coming from anyone and specially on behalf of a a company like TD. This is not Canada as far as I'm concerned. Nevertheless, I will never stop loving this country as my own.

Just found out: call her back, her number is 416 9169162 ext 305. She likes to call people to bother them even if they're not the person who owes money to TD, give her a taste of her own medicine. I will.

The best to do is to tell them not call u again. By law if they call again u can sue them and u will win. IT IS THE LAW. ASK THEM NOT TO CALL AGAIN.

received a call from 416 916 9162: collection  agency - very rude. Just tell him to go f*** him self. If he or calls again wish him 10 ft below the soil, That will do - let him rot in his own dirt.

My god people are stupid.  Especially 90% of you idiots who have posted on this topic.

Dealing with Bankers?.

The following 5 letters have been successfully used by a great many people over the past few years to effectively deal with creditor difficulties. No representations to the effectiveness of this strategy are intended and it is strongly advised that interested parties seek independent, competent advice when utilizing such strategies.  Know this material before using it!


Letter 1

Use with just about any type of financial obligation issued by a licensed financial institution: mortgage, credit card, bank loan etc. (Does not work if the loan is from a ?private? source.)


Letter 1

From:
Date:
To:
Re:
Account Number:

To whom it may concern:

I would like to make arrangements to settle the above referenced matter.
Please provide me with your statement of the amount owing as of ________, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form.

Thank you very much.


___________________________
by:












Letter 2A

Use (with adjustments) when you receive the initial response from Letter 1 above, where they confirm an amount owing and provide some comment that the ?statements? or some other lame documentation they provide are evidence of the obligation.


Letter 2A

From:
Date:
To:
Re:
Account Number:

To whom it may concern:

Thank you for your letter of ________, wherein you confirm my outstanding balance as requested.

Also, you have confirmed that ?the statements that _____(name of institution here)____
sends are your evidence of my indebtedness to the Bank.? (This is a quote from actual bank letter and wording may vary slightly, but should where possible be quoted from their letter.)

Accordingly, would you please confirm that the Agreement that exists between us which ratifies this specific application of these ?statements? and confirms me as the party obligated to the Bank will be delivered to me as the original instrument of indebtedness in its original form, in exchange for payment in full of my obligation as may be referenced by these ?statements?.

Sincerely,


___________________________
by:












Letter 2B

Use (with adjustments) when you receive the initial response from Letter 1 above, where they confirm an amount owing and simply ignore the second part of the request.


Letter 2B

From:
Date:
To:
Re:
Account Number:

To whom it may concern:

Thank you for your letter of _______, wherein you confirm my outstanding balance as requested.

It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form.

Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form on or before ____(pick a date like 15 days from sending the letter)____, I will conclude that you are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled.



Sincerely,


________________________________________________
by:











Letter 3

Use (with adjustments) when you receive NO response from Letter #1 above.


Letter 3

From:
Date:
To:
Re:
Account Number:

To whom it may concern:

I have sent you my request as of ________ for you to confirm the balance owing on the above referenced matter and for you to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form.

It is apparent that you have overlooked or ignored my request. Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form on or before ____(pick a date like 15 days from sending the letter)____, I will conclude that you are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled.


Sincerely,


______________________________________________________
by:


NOTES:

1. The concepts outlined in these documents will also work for most Court Orders to pay. Simply change the wording such that you are requesting confirmation that the court will accept payment in consideration of their delivery to you of the Original Order, as duly executed by ___(Judge name)___ and in its original form (which is the original instrument of indebtedness).
2. This process will not work with private lenders because in most cases they can and will
produce the original instrument of indebtedness.
3. If you receive any communication from a collection agency or lawyer representing the financial institution, you should follow the concepts outlined in the above letters but ONLY in direct correspondence with the financial institution.
NEVER respond to a lawyer or collection agency with anything other than the concept outlined in Letter 4 (or 5) that follows.


Letter 4

Use when terminating communication with a financial institution?s lawyer or collection agent.


Letter 4

From:
Date:
To:
Re:
Account Number:

To whom it may concern:

I confirm that I have received a written communication from you dated ______ wherein you make reference to the above captioned matter.

It is apparent that you are acting on the presumption that some relationship that you may
have with ___(name of bank)___ , is in some way related to me. I am not a party to this implied relationship you have with ___(name of bank)___, either directly, indirectly or by means of any tacit consent.

Accordingly, I do not understand how to respond to you inasmuch as I am unaware of any contractual relationship between us.

As a courtesy and because you may find it helpful, I have attached recent correspondence
between myself and ___(name of bank)___, wherein I have repeatedly offered to settle the mater between myself and ___(name of bank)___.



Sincerely,


___________________________
by:

c.c file


Letter 5

Use as alternative to Letter 4 when terminating communication with a financial institution?s lawyer or collection agent.


Letter 5

From:
Date:
To:
Re:
Account Number:

To whom it may concern:

I confirm that I have received a written communication from you addressed to ___________ and dated ____________ wherein you make reference to the above captioned matter.

It is apparent that either:
i) you are acting on the presumption that some relationship that you may have with
__(name of bank)__, is in some way related to me, which if such presumption is the case, I confirm that I am not a party to this implied relationship you have with __(name of bank)__, either directly, indirectly or by means of any tacit consent, and accordingly, I do not understand how to respond to you inasmuch as I am unaware of any contractual relationship between us; or
ii) you have entered into a contractual relationship inclusive of evidence of consideration
paid to or agreed to be paid to __(name of bank)__, which contractual relationship has caused you to become the legal holder in due course of an alleged obligation between ____________ and __(name of bank)__.

If indeed you have entered into such a contractual relationship with __(name of bank)__, as set forth in clause ii) above, then I hereby confirm that I -- accept your offer to reduce the amount of the alleged obligation from $______ to $______; and I confirm that I -- would like to make arrangements for settlement of the above referenced matter immediately upon you providing me with your written and legally binding assurance that you will accept payment in full settlement of this alleged obligation in direct and immediate exchange for the original instrument of indebtedness in its original form that you must now be holding pursuant to the aforesaid contractual arrangement between you and __(name of bank)__.

Sincerely,

_____________________________________________
by: authorized party


NOTE: The portion in last paragraph found between "--" may be omitted if not applicable.  Either way, remove the dashes.

Dealing with Creditors?.

The following 5 letters have been successfully used by a great many people over the past few years to effectively deal with creditor difficulties. No representations to the effectiveness of this strategy are intended and it is strongly advised that interested parties seek independent, competent advice when utilizing such strategies.  Know this material before using it!


Letter 1

Use with just about any type of financial obligation issued by a licensed financial institution: mortgage, credit card, bank loan etc. (Does not work if the loan is from a ?private? source.)


Letter 1

From:
Date:
To:
Re:
Account Number:

To whom it may concern:

I would like to make arrangements to settle the above referenced matter.
Please provide me with your statement of the amount owing as of ________, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form.

Thank you very much.


___________________________
by:












Letter 2A

Use (with adjustments) when you receive the initial response from Letter 1 above, where they confirm an amount owing and provide some comment that the ?statements? or some other lame documentation they provide are evidence of the obligation.


Letter 2A

From:
Date:
To:
Re:
Account Number:

To whom it may concern:

Thank you for your letter of ________, wherein you confirm my outstanding balance as requested.

Also, you have confirmed that ?the statements that _____(name of institution here)____
sends are your evidence of my indebtedness to the Bank.? (This is a quote from actual bank letter and wording may vary slightly, but should where possible be quoted from their letter.)

Accordingly, would you please confirm that the Agreement that exists between us which ratifies this specific application of these ?statements? and confirms me as the party obligated to the Bank will be delivered to me as the original instrument of indebtedness in its original form, in exchange for payment in full of my obligation as may be referenced by these ?statements?.

Sincerely,


___________________________
by:












Letter 2B

Use (with adjustments) when you receive the initial response from Letter 1 above, where they confirm an amount owing and simply ignore the second part of the request.


Letter 2B

From:
Date:
To:
Re:
Account Number:

To whom it may concern:

Thank you for your letter of _______, wherein you confirm my outstanding balance as requested.

It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form.

Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form on or before ____(pick a date like 15 days from sending the letter)____, I will conclude that you are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled.



Sincerely,


________________________________________________
by:











Letter 3

Use (with adjustments) when you receive NO response from Letter #1 above.


Letter 3

From:
Date:
To:
Re:
Account Number:

To whom it may concern:

I have sent you my request as of ________ for you to confirm the balance owing on the above referenced matter and for you to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form.

It is apparent that you have overlooked or ignored my request. Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form on or before ____(pick a date like 15 days from sending the letter)____, I will conclude that you are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled.


Sincerely,


______________________________________________________
by:


NOTES:

1. The concepts outlined in these documents will also work for most Court Orders to pay. Simply change the wording such that you are requesting confirmation that the court will accept payment in consideration of their delivery to you of the Original Order, as duly executed by ___(Judge name)___ and in its original form (which is the original instrument of indebtedness).
2. This process will not work with private lenders because in most cases they can and will
produce the original instrument of indebtedness.
3. If you receive any communication from a collection agency or lawyer representing the financial institution, you should follow the concepts outlined in the above letters but ONLY in direct correspondence with the financial institution.
NEVER respond to a lawyer or collection agency with anything other than the concept outlined in Letter 4 (or 5) that follows.


Letter 4

Use when terminating communication with a financial institution?s lawyer or collection agent.


Letter 4

From:
Date:
To:
Re:
Account Number:

To whom it may concern:

I confirm that I have received a written communication from you dated ______ wherein you make reference to the above captioned matter.

It is apparent that you are acting on the presumption that some relationship that you may
have with ___(name of bank)___ , is in some way related to me. I am not a party to this implied relationship you have with ___(name of bank)___, either directly, indirectly or by means of any tacit consent.

Accordingly, I do not understand how to respond to you inasmuch as I am unaware of any contractual relationship between us.

As a courtesy and because you may find it helpful, I have attached recent correspondence
between myself and ___(name of bank)___, wherein I have repeatedly offered to settle the mater between myself and ___(name of bank)___.



Sincerely,


___________________________
by:

c.c file


Letter 5

Use as alternative to Letter 4 when terminating communication with a financial institution?s lawyer or collection agent.


Letter 5

From:
Date:
To:
Re:
Account Number:

To whom it may concern:

I confirm that I have received a written communication from you addressed to ___________ and dated ____________ wherein you make reference to the above captioned matter.

It is apparent that either:
i) you are acting on the presumption that some relationship that you may have with
__(name of bank)__, is in some way related to me, which if such presumption is the case, I confirm that I am not a party to this implied relationship you have with __(name of bank)__, either directly, indirectly or by means of any tacit consent, and accordingly, I do not understand how to respond to you inasmuch as I am unaware of any contractual relationship between us; or
ii) you have entered into a contractual relationship inclusive of evidence of consideration
paid to or agreed to be paid to __(name of bank)__, which contractual relationship has caused you to become the legal holder in due course of an alleged obligation between ____________ and __(name of bank)__.

If indeed you have entered into such a contractual relationship with __(name of bank)__, as set forth in clause ii) above, then I hereby confirm that I -- accept your offer to reduce the amount of the alleged obligation from $______ to $______; and I confirm that I -- would like to make arrangements for settlement of the above referenced matter immediately upon you providing me with your written and legally binding assurance that you will accept payment in full settlement of this alleged obligation in direct and immediate exchange for the original instrument of indebtedness in its original form that you must now be holding pursuant to the aforesaid contractual arrangement between you and __(name of bank)__.

Sincerely,

_____________________________________________
by: authorized party


NOTE: The portion in last paragraph found between "--" may be omitted if not applicable.  If applicable, remove the dashes.

Get calls from these morons @ work all the time. Told them to cease and desist. They wont. Threatening to get a hold of my Human resource dept to garnish my wages. F###K off. I am broke and they r jeopardizing my job with these calls. they have told people who they r and why they r calling.