9055078889

-sorry...not  true  at  all.....

D & A ENTERPRISES CORP calls our number every day for a Rolanda Williams-we just got this number and it is not hers-we cannot get in contact with them number 9055078889

Called me today. Only told me her first name. Asked my address.  I would not give any information. I have lived in China for four years, so I am baffled by the call. Must have a wrong number or are a scam

they keep calling my Fax ID line when it rings funny  I do not answer stop calling here U got wrong Number. I also sent a fax in to ask to stop it.

This company is operating illegally.   Filed a Cease & Desist notice on them, by registered mail, in March 2015.   Today they violated that notice and once again called my cell phone.

It is against Ontario law for a collection agency to contact you on a way that costs you (the recipient) money.  They are causing me to incurr long distance and occasionally international (USA) roaming charges.

This time a complaint is going to be filed with the Provincial Government for their violation of the Acts governing collection agencies in Ontario, along with a photocopy of the Cease and Desist notice served on them in March 2015.

This company phoned me on my cell today. The man left a message when I didn't answer. Now, his tone was actually not unpleasant. But, they're obviously a bit tricky. He didn't state the company he was actually calling from, he simply stated his name, and said he was "calling on behalf of" the university I went to.... Which, was 9 years ago. He asked that I return his call, and left the telephone number to be reached. Additionally, he stated to give a file number of blah blah blah. To his credit, as I mentioned, his tone was professional, and he did not state that it was a financial matter or of "urgency". Just asked that I return his call as soon as possible.

Now, here's what I've learned about these sibsidary companies. I see a lot of posts telling people how to deal with them, etc. But people aren't all giving the correct information- and even those who have, they dis not give the *full* details. This goes for Ontario:

#1 These companies often provide TWO different services to their clients (banks, credit card companies, etc). The first is to act on behalf of the client to help collect monies owed to that company. In this case, they are hired by that company to track you down and try to get you to pay what you owe. This is common of big companies. These types of cases are usually the ones within the 2 year Statue of Limitations, wherein you have defaulted and there is still time to sue you. In this case, if you ignore their calls or do not work with them, you *may* leave yourself open to legal action. I say *may* because MOST of these cases are worth far too little to the company to go through the hassle of legal preceedings. They'd rather write off the debt than actually sue. The SECOND (and far more common) use of these third party collectors is when the debt has gone beyond the statute of limitations. At this point, the initial company you owe money to is no longer within their ability to take legal action. At that point, all the company can do is either keep calling and hope you'll pay, or, they sell your debt for pennies on the dollar to these third party collectors. This is why these calls are so relentless- this company is now actually turning a huge profit for themselves, rather than the peanuts they make actually working for the original company you owed money too.

#2: THERE ARE SOME DEBTS THAT ARE DIFFERENT AND DEALT WITH BY THE GOVERNMENT. This means they are a whole different ball game. Student loans, like OSAP, do not get sold to third party companies, nor are they bound by the same collections laws as individual lendors. In this case, you *are* still required to pay your debts, and they DO take legal action.

#3: General info:
- Collection agencies can call between 7am-9pm Monday to Saturday, and between 1pm-5pm on Sundays and Statutory holidays.
- if they make contact (leave a voicemail or speak with someone), they may only call 3 times in a seven day period (this, by the way, is why you find they usually don't leave messages- it's so that they can call 10 times a day, every day)
- they are required by law to state their name and company, and required to be liscenced to collect. In addition, they are required to provide their collection ID certification number to you if you ask for it.
- they are required to send you a letter 6 days prior to making telephone contact with you. If you have no received a letter detailing their company and what they're collecting on, it may either be because they don't have your up to date information (ie address) or may be because they just disregarded this step. Happens all the time.
- they may call from several different phone numbers. They do this because the companies aren't stupid- they do know that people have call blocking on most phones these days, so they hope different numbers will get them through.

Helpful hints:
1: if the debt is for someone else, inform the agent, and ask them to cease and desist all calls. If they persist, launch a complaint with the better business bureau and send them a registered letter explaining that you are not that person and to cease all calls. Registered letters can be tracked and require a signature upon delivery. They cost about 10$ to send from any post office.
2: if the debt is yours, and within the 2 year limit, stay calm. First, ask them to send you a proper copy of the original contract to verify the debt is yours (even though you may know it is). Once you've received that, discuss the situation with the agent, and ask if you can make a one time settlement payment to settle and close the account outstanding. Don't ask them for a number- give them one that you can afford. For example, if they're saying you owe 2000$ with interest, see if you can pay only the principal amount in full (like, $1200 if that's about right). More often than not they'll be glad to just get what you initially owed. BUT, before you pay anything, if they agree to your terms, ask them to send you a *new* letter with the new agreement terms. Once you receive that, verify that it states that you will be paying X amount in full settlement to close the account. If it does, make your payment. Pay in a way that you can get documentation of the payment, staple it to the agreement they've mailed you, and keept it somewhere safe. You're done and the calls should stop.
3. If the debt is yours, and it's over the statute. First of all, follow the above steps asking for a proper letter for verification of the account and amounts owing. Then, you have a few decisions to make: Are you in a financial place to pay them off? Because if you are, and the debt is in fact what you've incurred, morality says you should obviously do so. But, for those who are unsure if the debt belongs to you, or, often times the debt is SO old, you can't be sure whether or not you've paid it off before (this actually happens a lot)- here's your option if paying it isn't. You can:
A) ignore the calls (this is not a long term solution. Eventually, the debt will be sold off to another company, and you'll start the whole cycle all over again).
B) Answer the call, and tell them you do not owe anything. Ask them the same information listed way above about their company, ID#, etc. If they persist (and they will), you can tell them you have received nothing in the mail (which is likely true) and have no record of anything owing. You can ask for them to mail you a copy of the original contract for verification purposes, but reiterate that you do not owe any money and it is for verification only. Once you receive the letter, you can call them back and tell them you do not acknowledge the debt, and will not be making payment. They, again, will persist. But, remember- it's outside the statute. So they have no legal recourse (they can't sue, etc) provided it's not a government loan (ie OSAP). So, at that point, inform them over the phone that you would like no further contact via telephone, and will be issuing them a registered letter that it is not your debt and to cease and desist further contact. Then type the letter, including date, your name, your telephone number(s), and that you do not acknowledge the debt, and would like them to stop calling and contacting you. Keep the stub the post office gives you, keep an extra copy of the letter, attach the stub, and keep the file safe for your records.

REMEMBER:
- Never give out personal information, including your SIN #
- they aren't allowed to threaten (including threatening legal action if it's beyond the statute) use inappropriate language, etc. I'd they do, report them to the BBB
- stay calm! This is never easy for anyone to deal with, but it is manageable. The more stressed you are, the less you'll think clearly.

I hope this information is helpful.

I know this reply is way after the fact, but at this point I'm more willing to think of this "company" as a gang of scammers rather than anything legit, as they're calling for me specifically about a student loan I never even had.
They've been calling and harassing people I have little to no affiliation with anymore, or who were never on records for ANYTHING I've ever had, somehow getting ahold of a phone number I've had less than four months and claiming I owe $1500 on a student loan I supposedly took out in 2007.  I was sixteen in 2007, so obviously something is fishy here.
Telling people to pay the bills they may not even owe is kind of a dick move.

Also use fake caller ID information. On my phone they show up as Extreme Fitness in Mississauga.

if this is TD related the branch at Mississauga tried to take my mortgage payment out by taking visa when they wanted to causing my mortgage to miss payment. They were asked not to do that and to arrange a time to take visa payment but they ignored the fact once they new who I was in the back they did not even care after 30 years with TD. The new manager at Valley actually was creating a climate of Intolerance  like ignorance to wards me and my family. The deliberately tried to wreck my credit rating. and now for the next 5 years I have a higher mortgage  payment because of TD.

My family have changed banks and are no longer using TD as it was so hostile once this manager started.

If you want us all to be honest, those owe those on previous bills owe the "collections agencies" NOTHING. Nobody signed any legal contract with them, there is NOTHING they could provide anyone that has a legit signature, and they legally are NOT allowed to harass people. Secondly, They are legally NOT allowed to ask for personal information before providing a reason/explanation for why they are calling. Check out the privacy laws if you don't understand what I am saying. Saying a "financial matter" does NOT count as an explanation. All my bills are paid up to date, and my student loans are being paid directly to the government, so whatever they are calling for, they can piss right off. I block every number they call from, and they call from quite a few. Lastly, I wonder what illegal practice they use to get people's private information in order to be calling in the first place?

I am having this exact problem.. they call me all the time saying I owe a student loan from 2007 of some $2,000.. I didn't take out a loan though. But they said the name of my school and what not and now they won't stop calling me.

This is awesome! I have done this exact thing. Sent a letter via registered mail asking them to provide signed contract by both parties amongst  other things...blah blah....within 30 days or the depths would be considered settled.

I also requested they only contact me via mail and not by telephone.

Never heard from them again....

T.D. has their own collection dept. They don't use a third party. Call the OPP fraud dept. and report it and have them arrested. The owner of this company is in court owing almost a million dollars.

Was a call from belair direct .. sons car insurance

They called. I picked up the receiver and then hung it up. They called back, I did it again. They called 3rd time, I did it again. So far they've not called again today but the day isn't over yet. I've told them many times no one's in debt here, no one by XXXX name lives here, no one needs your services. Yet they just can't clue in to the word NO.

Are you seriously that incompetent ? This so called company called me five times in fifteen minutes and stated when they picked the phone up "people make [***] mistakes when dialing out lady get a grip of yourself I have ten calls to make in the next ten minutes and I don't give a damn why your calling misses " CLICK . is that some good service right there no! So before you state they are calling for people who don't handle there debt and put each individual in the same category go hoop your forehead.  I have no debt with them and they call me for nothing so then what?!

19055078889 several time received call from this number and harassing the whole household.  Kristine is the name and giving us information related to our name's account but the phone number she's referring to is not ours.  She said that they already sent mail, however, we haven't received any.  I believed, Kristine should talk only to the person who has the account but not relating to the whole household for privacy reason, isn't it?

D&A, CBV Collections, and etc, etc... are all used by Rogers cable guys to [***] people, simple. Rogers is a type of company that nickle and dimes their customers and sells off products and services that misleading and often times they bill you for something you have no idea or never used. Rogers cable is known as the DEVIL company in Canada.

Hello all, I see a lot of people have issues with this terrible company.  The thing is though, there are so many complaints on here, but I fail to see anyone report that they've done anything about it.  If you want this company to pay for the many laws they are breaking, you must report them!  Here is a link that clearly explains all of your rights: https://www.ontario.ca/page/collection-agency-your-rights.  You will see that a) they cannot contact you more than 3 times in one week, b) they cannot use language that is profane, intimidating, rude, etc., c) cannot contact you by telephone unless you've received a written notice at least seven days prior to the call, etc.  Obviously this company has broken many, many, many laws.  All it takes is just a small handful of you to report them to Consumer Protection Ontario, and they will be fined heavily.  Not only that, but once they've been fined, if further complaints are reported, they will be fined even more severely and more rapidly.  Visit the link above, it will clearly explain exactly what you need to do, and what type of evidence counts.  Another tip, there are many free apps you can download onto your phone which automatically record your conversations.  A recorded conversation is great evidence to prove rude and/or intimidating behaviour.  Yet another tip, you can setup an account with YouMail.com.  They have a free service, but I pay for the professional since it costs next to nothing and it is an excellent service.  The beauty about YouMail is that if you get a call from a collection agency, or anyone else you don't want to speak to, you can simply tap a button and any future calls will be blocked.  Not only that, but they will get a message like: "this number is no longer in service", thus making them think that the number is disconnected.  Just remember, know your rights, and take some time to fight back against these people.  It only takes a small group of you to make a big difference!

This number just called me that I ow them $500 , and I have to make a payment right away