905-886-3084

I got called by Melissa Saunders. Complete b!tch.  I have very good credit and pay my bills on time.  I got a rude vm and called her back to see what was up.  I then told her I don't owe any money.  She then snapped, "Did I say you owed money?"  She then proceeded to ask if I lived in Toronto previously.  I said No.  She then asked for my year of birth. I complied and told her.  She then said, I have the wrong person, click.
No apologies, no explanation, just hung up the phone.

How do I lodge a complaint against this sham of a company?

well credit cards aren't free money just pay them off and dont play the immigrant card to try and excuse yourself for your lack of money.

very rude....threatened to keep calling back....have no idea what they want???

Well seeing as how this company insisted on asking for a SIN and stated that my account was RBC which it [***] well isn't, didn't even bother to get my name correct and stating I had deb of about $120, they are clearly trying to commit some kind of identity theft / scam.

The website is utter [***]. It doesn't even resemble anything professional and uses stupid buzzwords to try to entice the reader, but anybody who reads it in full knows what the [***]'s up.

Yeah, keep collecting your credit card bills, keep making your ill-gotten money from hard working individuals. Maybe one day you can look at yourself in the mirror and ponder on what kind of [***] career choice you've just embarked on.

You are a sin. Greed.

Go [***]

his name is norm walton not jeff thats his middle name  he does live in aurora  he's the biggest deadbeat of them all he's been bk twice already he's a pure con artist

They have been calling me daily. I don't know who they are, or what they want.

in tough economies, some people lose jobs or are not able to pay even when they want to, doesn't mean they're automatically ripping people off!

I have been receiving phone calls from Partners in Credit for 8 months.  Thankfully I know someone who owns a collections company.  Here's the legal of all of this:

Partners in Credit use scare tactics to get what they want.  They either call to find out if you're the person owing a debt, or they have found you and are attempting to collect.  PIC purchased your debt owing for approximately 10-25 cents on the dollar already from whichever institution you owed the money to.  Generally you are receiving these calls because your debt is about to fall off your credit report.  Once it is gone, it doesn't come back to haunt you.  PIC does.  Debts fall off your credit report 6 years after the date of last payment.  I owed on a credit card from 2004 which is why they contacted me.  I was unemployed and a single parent and working very hard to keep my head above water.

PIC first attempted to collect by calling my work.  Legally you are allowed to tell them they are not allowed to contact your workplace (because it could threaten your employment).  I heard from Randy Grant.  I got his e-mail address and was told to send him an e-mail:

Please be advised, you are not to call my work number again.  Your office phoned me twice yesterday in the morning, and the gentleman I spoke with was aggressive, and threatening, including explaining to me that if I did not take care of business, I would be going to Court.  He also stated that your company can absolutely call my work, any time, any day, until you get money from me.  I have spoken with the Ministry of Consumer and Corporate Affairs, and I understand that under law, you are not to contact me at work when I have not given you permission to do so.

I request that all correspondence occur via mail only.  No telephone calls to my work number or home number again.

I also asked you on the phone this morning at 10:05 am (November 26, 2009) to provide me with your license number, which you said you could not provide.  You stated of course you have a license number, but do not "have it handy."  You also stated that I could obtain your license number somehow from the Ministry.  You did not state which Ministry it was.  When I asked again, you stated, "you must pay a settlement of $13,000 on the account in one lump sum.  If I do not hear from you by tomorrow, I will give my client recommendations to proceed."  I wanted to ask you for clarification, but you then hung up on me.

I will repeat that I request absolutely no more phone calls to me to any phone numbers you have listed for me.  All correspondence must be via mail only.  

The harassment stopped for 5 months and now they are calling my house.  there is a phone service that can block numbers called and also requires blocked numbers to enter their phone number before the call goes through.  I now don't hear from them, and this debt is off my credit history for good.  

You have rights.  Remember that.

they can't just take you off a "list".... if they're a debt collections agency then they're calling for people who owe them money.... its not like telemarketing where they call random people from a list of numbers...

just watch that you don't end up getting charged for stalking....

thanks boobytrap
that makes a lot of sense in my situation

Glad I could help!

AGENCY COLLECTORS

Agency collectors have correctly been deemed the worst-type of collection agents! They operate from a computer database containing all your personal information, provided to them by the original creditor. When an outside agency gets your account, it has been 'charged-off' for non-payment. They make calls as fast as the auto-dialer can picking up the first one that hits a live voice and letting the rest go as annoyance calls. That's why sometimes you get only a recorded message telling you to call about a very important matter. Commission is their livelihood; they don't have time for pleasantries or obeying the law.

An agency collector's commission ranges from 15-25% of what they can extract from you. Many are paid bonuses if they hit a quota and steady, hard-working collectors can make $40-60K per year. The most aggressive collector will bring in much more if they routinely step over the line to increase their take.

Who Seeks a Career as a Debt Collector?

In a industry where deception, craftiness, and deceit are rampant, you might imagine most honest people would seek work elsewhere. And you're right. My experience says the average debt collector is male, has a large ego, bounces from job to job, suffers low self-esteem and enjoys using the telephone as an instrument of empowerment. You shouldn't be surprised to find most of them have great debt problems themselves.

The debt collection business is plagued with high employee turnover. Constant training of new collectors puts great strain on the agencies and the employees. Every moment someone is in training is time lost on the phone. You can imagine the shortcuts that are taken to get a new caller on the floor as soon as possible.

Collectors are in a position to take advantage of those they deem weaker, in an effort to overcome their own insecurities. They normally will talk-over any issues you may have, threaten and intimidate you, lie, misrepresent themselves, abuse, annoy and attempt to push you as far as they can. After all, a portion of what they collect from you becomes theirs. Unfortunately, far too few consumers complain about debt collectors overstepping their bounds, because they are intimidated or embarrassed about their dilemma. Over the years I've dealt with literally thousands of collectors and would suggest only 3 out of 10 are honest and hard working. The greater percentage chose collecting as a quick fix to their financial situation and it should come as no surprise that many collectors are either just out of, or heading back into a jail cell. Collecting is a male dominated business and because of the shortage of skilled workers, agencies are hiring anyone who can walk and chew gum to make their calls. Social skills, education and career orientation are NOT normally the prerequisites for a debt collector – money beggar position.

What Techniques Do They Employ?

You'll hear standard phrases such as: "what is your intent" or "I'm going to recommend that our client take immediate legal action against you." The innocent unsuspecting consumer feels threatened, even terrorized by the antics of unscrupulous debt collectors. The really bad ones will call you at work, violate third party disclosure, or worse, threaten you with arrest or wage garnishment if they don't have the money today! They'll try to persuade you to pay off old debts using your new credit card, via Western Union wire transfers, bank drafting, debit checks and cash. Surely there is a relative or two from whom you can borrow money to pay this bill. They will tell you your credit report will be clean if you just send them the money.

The National Consumer Law Center (NCLC) and the National Association of Consumer Advocates, (NACA) assist attorneys across the country in pursuing agencies and collectors who violate the law and your rights. Collectors are learning that the phone name they use and the perceived anonymity of hiding behind a telephone can easily be overcome with today's modern technology and investigative techniques. Some collectors are learning first-hand that they too, can be charged with making threats over the phone and that their employers don't always provide bail money or legal representation. Creditors are increasingly becoming less tolerant of agencies that allow abuse and will drop those that don't comply.

I urge you to complain about collector abuse by contacting the FTC, the American Collectors Association, the original creditor and your state bar association (against attorneys), or me if you feel your rights are being violated. There is a nationwide group of professional consumer attorneys, skilled in debt collection laws that passionately defend the rights of consumers against these illegal collectors. No consumer should ever suffer abuse from a debt collector.

The laws WILL protect you!

attorney/law office, file a complaint with your State Bar Association, the Attorney General, the Federal Trade Commission, or contact us for a confidential referral to a consumer law professional in your area.


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I had troubles with them at the collections agency.  They use scare tactics to try to scare you into paying them.  When they sware at you ask him for his whole name and the address of the office (company he is calling from  then you tell him you are pressing charges on him/her for the swaring at you.  These people that work in collection agencies are just [***] with no friends.  Remember the law can take care of them!!

Crazy organization!! What I don't understand is why these banks employee such terrible organizations to do work for them. Their databases are unreliable procedures are bad.!!

maybe u should read the threads and ull see that this place it just a scam, and btw most of the fuking world is in debt maybe u should stop being a fuking negative [***] face and keep ur fuking  comments to urself !
hopefully ur kids learn to be positive and not copy u~

Keep spewing crap out of your mouth idiot you can't do nothing people have a right to talk here ,you A$$ holes have nothing better to do but try to intimidate people ."YOUR FIRST AND FINAL WARNING" HAHAHAHAHAHAHAHAHA what a joke you are.

Anyone receive a call from a very angry Jason McCray? Should I just be ignoring these guys?

shut up loser  1/2 your collectors use the owners licence  if you sue  me can it be on the peoples court please so we can be on tv  i don't know when the owner and his brother will have time to go to court they are too busy trying to screw the femal staff

A "lady" named Terry keeps calling me, saying she has a letter in at my employer (so what)
A relative of mine settled this debt a number of years ago with a lump sum settlement.  I just keep ignoring them and I haven't experienced any bad consequences.(yet!!)  It's upsetting to be receiving these calls all the time (I don't answer them anymore but they leave messages)