+1 905-671-4151
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Location: Canada
Operator: Билайн
Views: 90
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Oct 30, 2013
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.
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Recent comments:
56
Jan 6, 2010
You can file a complaint with the Ontario Ministry of Consumer Services.  It is ILLEGAL in Ontario for a collection agency to contact you in a manner that will cost you money (such as a collect call, or calling a cell phone number).

Send a letter, registered, telling them they are in violation of Ontario law and they are not to contact you on number XXX-XXX-XXXX as it is a cell phone.  Further, file a complaint against them online at https://www.cbs.gov.on.ca/compform/english/complaint.asp citing they are contacting you on your cell phone, in violation of applicable regulations.
Other
57
Jan 6, 2010
File a complaint with the Ministry of Consumer Services (Ontario) that they are continuing to contact you after you've told them:

1) You are not the person they are trying to reach.

2) You do not know the person they are trying to reach.

You can file the complaint online at https://www.cbs.gov.on.ca/compform/english/complaint.asp
Other
58
Jan 6, 2010
File a complaint against them with the Government.  You can do it online an takes only minutes to complete.

https://www.cbs.gov.on.ca/compform/english/complaint.asp
Other
59
Jan 11, 2010
CAUTION: Read the agreement with your creditor(s) BEFORE following the advice from "dennis" in the several posts dated July 20, 2009 above.

Most agreements include a clause that the contract can be assigned to a third party. Also, there is normally a clause that they can take legal action to collect any monies owing and YOU ARE RESPONSIBLE for paying these legal costs.

MJR are notorious for being rude and hanging up on people who question them about anything.
Debt collector
60
Jan 12, 2010
This company isn't in Mississauga at all.  They are located in Markham.  It's a trick so you don't hunt them down.  If you do some search you can find them with ease.
Debt collector
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