8665668850

That sounds like a great plan, can U supply the details of how to selective Call Forward?

STOP CALLING - WE LIVE IN BURNABY  WE HAVE NO DEBTS
GO AND FIND A NORMAL JOB AND LEAVE US NORMAL FOLKS ALONE

The better approach is to go to the source and get an inline phone signal splitter so you can plug in to a recorder of any type ... when they call say " can you please hold on for a moment, while I start my recorder "
  If they badger, harrass, insult, refuse to give a company name, employee number, or several other infractions that can be found on the govt. of Ontario website, you can have them charged for violating your rights

This is a Norweigan viking pirate company that buys up junk debt for pennies on the dollar.  After 6 years they can't legally collect on debt - but they will certainly prey on peoples ignorance and the willingness of people to give in to threats and harassment.  Never admit to the debt in writing, never pay a penny on the debt or you will be resetting the 6 year clock on it.  They have been known to illegally tamper with dates however so check your credit reports to make sure they haven't illegally changed the dates of the debt.  Also, be wary they have been known to pretend to not know your current address, sending court documents to previous addressees in order to gain a default judgement against you in court, fortunately you can have any judgement thrown out with a defence motion filed in small claims court, based on the fact that you never received the notice at your current address.  Overall though, this company has no teeth, don't let them stress you out, don't bother engaging them in conversation because they are fishing for info, any info and they will try to use it against you, don't leave yourself wide open.  Change your phone # and don't give it out to anyone, don't update your credit cards to your new phone #, don't tell your employer your new phone #, don't put your new number on your tax return.  Never post your new number anywhere online.  Basically your number will be for friends and family - ONLY.  This is the only way to ensure they won't get it.  Hold onto any documents they send you, they will serve as proof in the future that they have your real current address and be evidence in any court proceeding that they are attempting to collect on a debt that is statutes barred.  Companies like this exist due to peoples ignorance and willingness to give in to harrassment - put them out of business by not paying them a cent, even if they get an illegal judgement on you quit your job for a year, go on welfare, declare bankruptcy, -anything- but never pay them a penny.  Companies like this need to be put out of business as they are the pariahs of our society.

They've been calling me for over a year now. I just now got a letter in the mail stating what debt they're trying to collect and it's an old one over 7 years old LOL! I [***] with them when they call, pretending to be chinese take out.

I also use Skype to call them back since it cannot be traced. I torment the living hell outta them sometimes all day long if I have time.

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.shtm

Dispute it as time-barred and tell them to cease and desist contacting you and trying to collect the debt.
Mail it certified mail, return receipt requested.  Put the tracking number in the letter and then copy it before you mail it.  Keep the card when it comes back, copies of every thing you send, everything they send, write down all the calls.  It will come in handy when you sue them.

your number was probably some one elses or if they are asking for you by name perhaps some one has stolen your identity and ran up bills in your name. go to your local police dept. and see if your name has been fraudulently used.

This is a phone number that calls all different times a day and even late at night! This is my cell phone and has NOTHING ,I mean NOTHING to do with me !!! Company looking for my son who is 35y.o. on his own !Using my cell minutes and I want it STOPPED!!

It is know as the Limitations Act (varies by province - 2002 and 2006 revised version) - the provisions of The Limitations Act clearly state one would have had to commence action against an individual within 2 (two) years after the “apparent” claim was discovered.

Never partial pay or agree to do so - this resets the clock
these [***] will try and screw with your Bureau.

These people are real stupid, they ain't getting a penny from me and I suggest everyone start educating themselves so that when they call you tell them straight up to stop calling and if they call you one more time you will be contacting the police as they are not welcome to call you as you do not know them, have not done any business with them and do not now any [***] calls from them. there calls are taped and this will be noticed served to them to [***] off.......

These people are real stupid, they ain't getting a penny from me and I suggest everyone start educating themselves so that when they call you tell them straight up to stop calling and if they call you one more time you will be contacting the police as they are not welcome to call you as you do not know them, have not done any business with them and do not now any f****ng calls from them. there calls are taped and this will be noticed served to them to f*** off.......

Oh yea these stupid [***] send you mails from an address that when you google it comes up under a different company, please note the following address that comes up on the outside of the envelope sometimes: 787 Industrial Rd London, ON, N5V 4J4

These people are scammers. They sent me an invoice requesting payment for a debt that never existed. I never delt with them & I owe money to nobody. I'll file police complaint against them. Their invoice mentions these names ''ARO INC'' & ''AKTIV KAPITAL ACQUISITIONS INC''

These people are scammers. They sent me an invoice requesting payment for a debt that never existed. I never delt with them & I owe money to nobody. I'll file police complaint against them. Their invoice mentions these names ''ARO INC'' & ''AKTIV KAPITAL ACQUISITIONS INC''

I got the same thing today in the mail.  When I called them back and asked to be told what kind of scam they were running they told me to "calm down" and to read the letter as the debt is all explained.   There's nothing explained on this letter.  Just an amount owing and a detachable check portion along with a phone number I had 15 years ago.  When I pressed for more information the "agent" told me that it was for a Bell phone number.  The kicker...I work for Bell Canada...I have an active account that is in good standing, has always been in good standing and always will be in good standing.   I've also checked my credit rating and nothing shows up on it as being a negative so these people purchased a useless debt.   Congratulations Aktiv Kapital Acquisitions for failing at life.

Thank you sooo much for that envelope info Now I will not open and return to sender stating MOVED on envelope They have no legal right to come after me for anything unless first a letter is received. Thanks Again!

Don't use Canada post address verification that is offered when you move. This company uses it to learn your new address and start the harassment.

**Important Information Concerning Debt Collection Practices in Ontario**
If you live in Ontario and this company (the PRA Group or any other debt collector) is attempting to contact you by phone and you have not received a letter from them – the company is breaking the law in Ontario. You can call or file a consumer complaint with the Ministry of Government and Consumer Services Ontario (Consumer Protection Ontario) at 416-326-8800 or 1-800-889-9768. Tell Consumer Protection Ontario that you have not received a letter from the debt collector but are receiving harassing phone calls. If the debt collector has your phone number they have your address.
Debt collectors are breaking the law when they:
•    Attempt to contact you by phone without first sending a written notice by regular mail one week in advance
•    Contact you on a Sunday, except between 1 p.m. and 5 p.m.
•    Contact you on any other day of the week between 9 p.m. and 7 a.m.
•    Contact you on a holiday
•    Use threatening, profane, intimidating or coercive language
•    Use undue, excessive or unreasonable pressure or harass you
•    Pretend to be the CRA (Canada Revenue Agency) or claim the police will be involved
•    Charge you any fees
If any of these apply to your experience with the PRA Group (or any debt collector) – you can call or file a consumer complaint with the Ministry of Government and Consumer Services Ontario (Consumer Protection Ontario) at 416-326-8800 or 1-800-889-9768.
The PRA Group are junk debt buyers who purchase very old debts that have been written off and/or covered by insurance. They buy hundreds of thousands of dollars of alleged junk debt in bulk packages from credit card companies, banks, financial institutions, retailers, creditors, other junk debt buyers etc. for fractions of a penny on the dollar. (It is important to remember that once the statute of limitations has passed on a debt, it is legally uncollectable, making the alleged debt worthless.) These junk debt buyers are literally trying to get something for nothing. For example, let’s say they paid 10 dollars for that alleged 10,000 dollar debt - even if they paid 100 dollars- the alleged debt is worthless because the statute of limitations has passed. It is important to understand the junk debt buyer is paying far less than 1% of the value they claim an alleged debt is worth. That’s a 99% plus discount on the commodity they buy. (Talk about moral turpitude and a complete negation of transparent and ethical business practices.) So, any monies they collect are basically pure profit. The PRA Group and other junk debt buyers are counting on you not knowing the law or your rights.
All of the alleged debts the PRA Group buy are past the Statute of Limitations, meaning they cannot be collected by using any legal proceedings (i.e. they cannot take you to court once the Statute of Limitations has passed).  The statute of limitations in Canada varies from province to province and range from 2 years in Ontario to 6 years in other provinces.
The Federal and Provincial Governments have Limitation Acts which provide a limit on the time an unsecured debt can be pursued by legal proceedings. If an unsecured debt is not collected, or payments are not made on the unsecured debt within these time limits, then legal action cannot be taken by the creditor or a collection agency. Only admitting to the debt in writing OR making payments on a debt resets the statute of limitations.
The debt collector’s goal is to reset the statute of limitations on these junk debts - so they can collect the debt in the full amount including years and years of interest. Do not get caught in this scam.
Debt collectors will push the boundaries of the law (even breaking the law) and still try to collect by using simple harassment techniques like calling from many different phone numbers, over and over for long periods of time. They will make false threats gambling on the fact that less than 3% of individuals they call do not know the law or their rights. They seem to believe that by calling over and over that you will eventually give in and pay something even if you don’t owe any money. These behaviours are simply called harassment. It is illegal in Ontario for debt collectors to harass anyone. So, if you have been called many times from more than one number and not received a letter from the debt collector, received threats, or been told the police or the CRA (Canada Revenue Agency) are going to be involved – you can report them to the Ministry of Government and Consumer Services Ontario (Consumer Protection Ontario).  Note: The Canada Revenue Agency will always send a letter. Police will never be involved because not paying a debt is not a crime.
As of January 1, 2018, third-party collectors or anyone who has purchased overdue debts and is attempting to collect them, must follow, and are bound to the Ontario Collection and Debt Settlement Services Act. The company must have a licence to collect debt in Ontario issued by the Ministry of Government and Consumer Services Ontario (Consumer Protection Ontario). Also, any person working for a debt collection agency -such as the person calling you on the phone to collect debt - must also individually be registered by the province of Ontario to collect debt.
Before a collection agency can contact you they need to send you a written notice through regular mail (email doesn’t count).
This notice must include:
•    the name of the person or business that says you owe them money (known as the creditor)
•    the amount of money that the creditor says you owe
•    the name of the collection agency and a statement that the creditor has asked them to collect the debt
After sending the notice, the agency must wait 6 days before they can contact you in person or by phone.
Again, if you are receiving calls from a debt collector without first receiving a letter, please consider contacting the Ministry of Government and Consumer Services Ontario (Consumer Protection Ontario) and filing a grievance.
After the debt collectors’ first conversation with you, an agency cannot contact you more than 3 times in a 7-day period without your consent.
Do NOT pay the company (or give them any personal information) as it can result in a resetting of the statute of limitations. Paying a collection agency will make the debt worse by extending the statute of limitation and increasing the time a debt is on your credit report. Never just pay a collection agency.
It is important to note that statute of limitation can be reset. Limitations begin when a cause of action arises, this is typical the date of last activity or the date of last payment, therefore if you have a bad debt and you start making payments, the statute of limitations resets.
So what can you do?
•    You can just not answer your phone. However, they will keep calling. They may give up, sell or trade the debt with other junk debt buyers.
•    You can block the calls, although they will just call from a new number again and again.
•    You can help others in the community by listing numbers they have called from (on forums like this) for others to add to their phone block lists.
•    Because they can only call three times a week, answer the call and say, “that’s call number one”, and hang up. They will most likely call back right away. Answer the next call and say, “that’s call number two” and hang up. The next time they call; inform them, “This your third call this week. If you call back before the 7 days have passed, I will report you to Consumer Protection Ontario.” Take pictures of you call history as evidence to send to Consumer Protection Ontario.
•    Call them back and ask for their name and Ontario registration number to collect debt. Then ask them “how they feel about being harassed and being called repeatedly.”Hang up and call back again. Do this repeatedly until they block your number.
•    Try to record the phone conversation so you can play the recording for Consumer Protection Ontario.
You can fight back:
Any unsecured debt that is past the Provincial Statute of Limitation is not collectable. Tell the collector that you are ‘disputing the debt” and to not contact you over the phone again.
If they have not sent a letter, ask for:
•    the address of the business (the collector), and contact phone number(s)
•    the business’ licence number issued by the province of Ontario to collect debt
•    the name of the person contacting you and their Ontario Registration Number to collect debt (this is a different number from the business licence)
•    The debt collectors account number of the alleged debt associated with you – the debtor. (Get this so when you dispute the debt - the debt collector cannot use the excuse they contacted you by mistake.)
•    Send a registered “cease and desist” letter stating that you “dispute the debt” and suggest that the matter be taken to court. Include the name of the business and any individual collector(s) and their registration number(s) you spoke to over the phone in the letter.  Since the debt is past the statute of limitations, they will have to leave you alone.  (*Make sure the Statue of Limitations has passed.)
If a debt collector ignores you, makes threats or continues phone harassment, then file a complaint with the Ministry of Government and Consumer Services Ontario (Consumer Protection Ontario). Include copies of any relevant documents and pictures of phone numbers from your call display or call history. Consumer Protection Ontario can fine and/or revoke the debt collector’s licence.
If, for some reason, you really want to understand the debt further, send them a debt verification letter.  This is a letter that basically asks:

1. what the total debt amount is, identifying “the principle” amount separately from the “interest”
2. A detailed calculation as to how that debt was incurred, including detailed interest calculations
3. Provide a copy of the documented signatory evidence (the original contract with your signature) of your commitment to this obligation, with the complete contract, indicating the section or clause stating the debt was allowed to be sold to a third party
4. Prove they have the authority to collect the debt
5. Prove they are licensed to collect the debt
6. Provide a copy of any judgment if any
7. Identify the original creditor.
8. Prove the Statute of Limitations has not expired.
9. Give them 30 days to reply
10. Advise them to send all future communication in writing
11. Advise them that any unqualified action may result in legal consequences for which you will use all remedies available at law to protect yourself.
12. If they cannot verify the debt, they are obligated to clear your record, and inform all three credit bureaus to remove any delinquent or negative reports pertaining to said account.
13. The above is consistent with the provincial and federal law.
14. Include: THIS LETTER IS FOR VERIFICATION PURPOSES. I AM NOT AKNOWLEDGING NOR; DENYING ANY DEBT UNTIL I AM SATISFIED I AM LEGALLY OBLIGATED TO PROVIDE PAYMENT. THIS INCLUDES SATSIFACTION OF ALL LIMITATION PERIODS.
It will show them you are serious, and want to understand the debt before you are obligated to pay.
Check your credit report to see if they have looked at it without your consent. Companies MUST have your consent to check your credit report. If they have checked your credit report without your consent they have broken the law and you can pursue legal action by taking them to small claims court. After you file in small claims court, just show up in court with a copy of your credit report, show the judge and you win. You may also contact the Ministry of Government and Consumer Services Ontario (Consumer Protection Ontario) and inform them or the collectors’ illegal activities.
This letter is intended for informative and educational purposes only. Learn your rights and understand the laws in your province. It is ultimately up to you to educate and protect yourself!
Note: You are not alone. Hundreds, if not thousands of people in Ontario are being illegally harassed, and threatened daily by junk debt collectors. Never just pay a debt collector. Fight back and notify the authorities of their illegal behaviour. The more people that call and file complaints with the Ministry of Government and Consumer Services Ontario (Consumer Protection Ontario) about junk debt collector’s non-compliance with the law, the sooner the law will be applied to junk debt collectors.
**Please copy and repost this information anywhere you think it can help others**

I use iphone, those calls never make it to the ring. The phone mute them completely. I just see a notice that i got a call from those numbers and simply add them the block list.

They called me trying to collect on a debt owed by a relative of mine for Canadian Tire which was settled, but now they want the rest of it.  So everybody watch out for Canadian Tire.