Why are you such a bi***?

You can simply contact your MP/MPP for assistance.  They can verify who live in your household and who's not. How ?  Voters list. Almost every Canadian citizen over the age of 18 are on that list. They even got the address, phone number & date of birth of each individual. Unless the collection agency is looking for a person who is under 18 of ago or homeless, then you are out of luck.
Ask the name of the agency, name of the person(agent) who handle the case & the case number. Call your MP/MPP, ask him/her to contact the agency on your behalf. Trust me, most MP/MPP are willing to help. Cause you know, there is no free lunch. When it's election time, you know who you should give your vote to.
For people just want to block unwanted telemarketing calls. Please check out my post @386-233-3694

RBC is a professional organization who would leave a "please call us back regarding your account" message of some sort. I've been with them for decades and they do no call dozens of times without asking you to call them back, regardless of the reason.

It's RBC Collections calling you bastards who don't pay your bill. Stop with the lies and excuses and PAY YOUR DAMN BILL.

jesse  is right I have currently missed an RBC payment and this is the number that called me 1800 913 6222 no message just a call


just a note. the poster of ....... for RBC is a professional organization who would leave a "please call us back regarding your account" message of some sort. I've been with them for decades and they do no call dozens of times without asking you to call them back, regardless of the reason.

you are obviously old, and do not realize the way automated cs systems work, do some research before assuming nothing would change with a technology company over decades of time, just look at tv and cars, they change yearly

what a bunch of a**es they just called me i just hit ignore I dont owe them s**t

It is Royal Bank. I just called the number back and spoke with someone.

I have an account with RBC but not a loan or a credit card. Not sure why this number would be calling me unless they have the wrong number!

Jesse and Ryan are right.  It is an automated system with RBC collections. I received this phone call a few minutes ago and shortly after that I received another call from RBC regarding my account.  Whenever this happens it costs me extra money to *69 the # so that's probably why my telephone service provider allows it to continue.  This is a matter of large corporations squeezing every last penny out of the consumer.  I think I will change my bank.

This number IS Royal Bank collections. If anyone else is calling you from this number, they are likely using spyware-type software for VoIP connections to clone the number. This causes the real number calling you to be hidden, and this one to appear.

this number has been calling me over a month as many as 3 times a day, i have never got a response out of them and its getting pretty annoying if i could find the person or machine calling i would make sure they never dial a number again

They call me every single day .
I never pick up and they never leave a message.

Ps...it is not Royal Bank Collections..
if you google their number other sites state that
the person never says anything on the other end and
usually MISSS pronounces you name

1-800-913-6222

This is from Royal Bank Collections. (in canada)

called for the first time today - didn't leave a message, and i don't answer unknown numbers

Got call March 8, 2008 @ approx. 1:30pm EST on my cell. Didn't answer. No message. Cannot locate # using 411.ca, 411.com, nor Google search.

Rings but no message. Called my cell too. suspect auto-dialer.

RBC Collections 100% VERIFIED!!!
automated Computer calls you, if you pick up it quickly rings an operator to pick up and connect with you. System is crap thats why you don't always get a human in time.

This is RBC collections...mosst likely you have a car loan and it is with RBC. We got a call cause we forgot to transfer money over to one of our accounts to pay the bills. We move all our accounts to president choice but one account cause that is where all of our automatic payments comeout of. Our fault completely but they will call you TONS of time till they get the money you owe them!

Anyone saying they owe nothing....hummmm....creditors don't call you unless you owe them something (could be from many years ago too!)

Guess what readers? I picked up and answered and they talked to me back.... and yes it's RBC.....in this case calling about an "over limit" on my credit card with them.

It is RBC Credit Collections

Have called here 3 times THIS week.
Today we picked up and  asked them to identify themselves - said they were the 'Royal Bank'. Informend them that we were on the '"Do Not Call List" and that they did not have permission to call. here. They apoligized!? But we shall see if the calls stop. They have never left a message and have called at "weird " times - ie EARLY in the morning , mid afternoon, evenings and during dinner hour.We do not do any of our  banking with them?!?!

For those "just pay your bill" d*** heads. People don't tend to not pay just because they don't feel like it. It could mean a missed payment after years of an account in good standing. Many people in this spot plan to pay as quickly as they can get back on their feet. It could be illness, accident, a death in the family... but you are too insensitive to care.

When someone calls your line 4 times a day and their only objective is to nag, pressure and interrogate you on why you haven't paid - people have the right to be upset about this type of harassment.

Lessons for collection people:

1. Use a real phone number and a real person.
2. Be candid and polite. Nobody wants to hear "urgent business matter" and "we'll wreck your credit".
3. Don't talk to people like they are choosing not to pay. A sympathetic ear and gentle note taking for your file should be enough. No amount of your being a jerk is going to accelerate payment. People will always eat, pay a mortgage and other things first.

Thank you "Shut-It Collections Monkey" -- you are right on the money....I know several people in that position right now and it is not because they want to be. They are trying their best to get back on their feet and being harrassed and bullied on the phone only makes it worse.

A little sensitivity goes a long way....just remember, it could easily happen to anyone at any time...

Debt Collectors – Collection Agency's do NOT fall under Do NOT Call registry, as they are not telemarketers.  However, they do constantly violate other Federal Laws, because us American's don't know the laws to protect us.  They are counting on that.  

- Federal Law says you don't have an obligation to Collection Agencies or Debt Collectors; you can send them a written letter and they cannot contact you after that.   This includes Attorney's in state's other than your state of residence.  The only Attorney's that can sue you, have to be licensed in your resident state.

A word of caution:  Some Law Firms do have Firms in other states, and Lawyers licensed in other states, so you have to do a little research before sending a Cease & Desist (Do Not Call & Go Away letter) to make sure they aren't in your resident state or you're likely to get sued by these #%#&*@!#%&@$^*.  

Once a debt collector makes contact with you, they also have to contact you within 5 days after the first phone call, letter etc., and give you validation/proof or judgment of the debt.  You are not required to ask for it.   They never do this!!!!

This law is known as the Fair Debt Collector Practices Act.  You can get it at FTC.gov; as well as other Consumer Protection Laws.

Most collection agencies, purchase your delinquent debt for pennies on the dollar.  Guess what? It is no longer your debt!!!  You don't have any agreement/contract with the debt collector or collection agency.  Your only agreement/contract was with the original creditor.

Do NOT agree to any payment arrangements, or you'll be creating an agreement/contract, where upon initial contact by the Debt Collector, one didn't exist.  The collection agencies are counting on you not knowing this little bit of information.  

The best advice I can give you is, do NOT talk to these idiots - they will leave you in a frustrated heap on the floor.  They lie, and will tell you whatever they need, in order to get you to commit to paying them.

The lies are illegal, but they honestly don't care, they're probably on commission for how much they collect from you and others like you.  

If you do answer the phone, do NOT give out your employer, social security #, DL #, Credit Card and/or Bank information, or any personal information.  Tell them to send you a written statement & you'll respond. Then hang up.  When you get that statement, google, Fair Debt Collection Practices Act and you'll probably find a letter you can send them   Or:  send the letter I’ve enclosed that I use.  Sign and mail that letter Certified Mail, so you have a signature and confirmation of delivery!!!
RE
Account #  
Amount in Dispute: $  
Account #  

Dear  :

I am in receipt of your demand for payment.  However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c).  Failure to comply with said Notice shall result in a complaint filed and submitted to, the Federal Trade Commission, and possible legal remedies in an appropriate United States District Court.

In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right to dispute the alleged debt asserted herein, but at this time I am under no obligation to respond.  

Sincerely,



Your Name
Address
City, state Zip



Certified Mail#:  


In the Law of Novation: if a debt is purchased by another, for that to be a legal owed obligation, a new contract / agreement has to be written and signed by all parties.  Google Law of Novation and read up!!!

No I am not an attorney, just a well knowledged, educated consumer.  I have spent the past 2 years studying various Federal Consumer Protection Laws.  

I wasn't just satisfied knowing I could send a letter to a Collection Agency/Debt Collector and they had to go away.  I read that in the Fair Debt Collector practices Act law;  I needed to know why, what law tells me the reason why I can.

Everything I have typed, I have learned basically on my own through reading, studying, printing out and binding the laws and underlining/highlighting them.  Not to mention the knowledge I have gained on my own fighting two lawsuits without an Attorney.

I was sued by a Collection Agency, and waiting for a Court date. The Collection Agency Attorney, sent us a letter willing to dismiss with prejudice our lawsuit, if I dismiss our Cross/Counter Claim for Fair Debt Collector Practices Act violations.  Oh, I forgot to mention, we do not have an Attorney representing us; and I have not had any legal experience, in the past whatsoever.

I have read / printed & bound, my State's Rules of Civil Procedure and Rules of Civil Procedure - Evidence.  I catch Attorneys on violations of State Rules of Civil Procedure all the time.  And our Judge's let them get away with it.

And for those of you who say pay up and quit being a deadbeat; it appears that you have never had your life turned upside down, because a good job, not high paying by any means, but a supposed secure job, got your hours cut by 3/4.  

And then a couple years later, as you are just recovering, you lose that job.  And when you are in your 50's, a new job is not so easy to come by.  And when that happens, then what?  

Or what about a major illness, guess you've never had that either - too bad.  Maybe if you did, you'd understand why and how people end up getting in financial straights. Not because they chose to, or decided they were going to find loopholes to get out of paying obligations etc.

What if the money isn't there to pay these debts to begin with?  We've been barely able to pay a mortgage, let alone credit cards etc. It's easy to tell someone else what to do.  I hope someday, something throws your secure little world off its axis, and you find yourself in the very situation as some of us here. Maybe then you'd learn it isn't such a cut/dry situation.

Oh, we've struggled.  And the job last hasn't exactly been replaced.  We're still behind in our Mortgage and trying to catch up, as with our other legal obligations.  I can't work because of various health conditions, or I would, including a part time job at least.  My husband started his own company with the tools of the trade, and now contracts for copier, computer, IT technical jobs as he has a computer science degree, and has years of experience in the others, especially the wide format copier / printers / computers.

People, please read the Fair Debt Collector Practices Act; if a Debt Collector violates any one harrassment or other law in there; Federal Laws says you can sue them for $1,000.00 per violation.  Do it, and then THEY can pay off YOUR obligations!!!  

Again I am not an Attorney - but have learned these by my own experiences.  There are Attorneys you could talk to, and I would, if any violations of the laws have occured in your circumstances.  I am posting this strictly to help others maybe have a piece of mind, if they are up all night worrying about financial problems, and sick to their stomach in worry as I have been, and still are in some ways. I am again just a well informed, knowledgable consumer, who has spent hours studying the laws, because I had no where else to turn for help.  If anything I have written, causes you questions, please seek the advice of an Attorney.

Certain situations such as Mortgages and Car Payment loans usually do not apply here; so you may need to seek the advice of a Lawyer for your individual situation.

If anyone should need help with Lawsuits regarding Collection Agencies/Debt Collectors and/or Credit Cards; I may be able to help you.  Please contact me at tlcpetmommy@gmail.com.

© petmommy copyright 2009 All rights reserved

thank you Shut-It Collections Monkey....I couldn't have said it any better....we have had late payments too....because of lack of work and recently....illness....when there is a limited amount of $ coming in...there are more important bills to pay than a credit card...like a mortgage, utilities, food, etc....most people don't choose to just ignore their bills and not pay them...it is too bad that some collection departments aren't more compassionate and sympathetic to some peoples situations...sigh.

This number is Royal Bank  - Collections Department computer auto dialer.  

The operator on the other end doesn't always know WHY the computer called you, but invariably you have an account with them that's past due.

Crappy system if you ask me... for the amount they charge us in fees get a decent system!

Royal Bank as noted by others.  They will call if an account is overdrafted past the normal limit.  They aren't a problem.

This IS RBC (RoyalBAnk). They take out a big $37 on the 18th of each month out of my bank account, to pay the monthly interest on my Line of Credit with them.....didn't have the $37 in there in time and ya, got this ph# calling me about it.  There's your answer: Pay Yer Isht !!!!

It is the Royal Bank.

If you have any doubts, answer the damn phone. You have some sort of cell plan that allows you to talk for so many minutes a month so stop complaining.

It's a computer generated phone call so yes you will get calls at odd times. It's randomly trying to find the best time to contact you. If you just picked up the phone and dealt with it you wouldn't keep getting the calls.

Grrr!  This number calls me all the time, and I am on a cellular phone! If they think I'm picking up, they're crazy... But I could totally do without the daily harrassment!!!!