anyone has any experience with CollectCorp?? 1-888-891-6691?

[CJJ25]

they are pissing me off. ....

basically this girl calls my mom and kept on asking personal questions: what is your name, what is your address, what is your date of birth, did u have a cibc account, my mom didn't give her anything aside from our condo address (no apartment #) cuz it sounds fishy.

damn girl kept on calling every fawking day! same damn questions! then I took over...she is like, what is your dad's name? what is your name? i am like, none of your business. then she is like, we have a person with the same name as your mom, having the same street number. I am like, she gave you a condo number, there could be so many other ppl with the same name. then it moved on to do you know this person with the same name as your mom? (i am like wtf?) do you have any other family with the same last name? i was really like...what the f.....when I ask them, who are you and what company are you from, girl is like, it doesn't matter now, then she hangs up after i press harder. dumb chick doesn't know the existence of Google and even left her extension number in the voice mail on several occasions.

so i googled it up.....

basically they are a debt collector and probably found my mom's name on a yellow page or something.

I checked monsters.com, their education requirement for collection reps is only high school.....

anyone else has any experience with them? I am seriously thinking about pressing charges or at least get that girl fired. yes, i am bitter.

[hugh_da_man]

You can't really do anything. It sounds like they think someone in your family or your mom owes someone money and she's laying the groundwork for the investigation.

You can't press charges because they aren't doing anything. You can say they are harassing you but no one will really care. You can call up and complain to her boss but she's really only doing her job so they won't care either.

This has happened in my family as well due to someone with the same last name owing money to credit cards and such. They would call and harass constantly until they got all the information they need. From the sounds of it they are coming after someone in your immediate family though so I'd make sure someone isn't hiding some unpaid debt.

[DeimosBeros]

If their number is listed as private when they make calls, you can get a private number blocker which forces them to reveil their number before actually getting through to your house, it might discourage them from ever calling. IIRC, this system can also be set to answer their phone calls and tell them you're "not receiving calls at this time, try again later" type of message.
It costs extra per month on your home phone, so yeah.......

[CSAgent]

I'd have fun with it.

Be all like: "I'll tell you my name if you give me yours. Can I ask YOU a question?" Then follow it up with like "Are you single? Do you wanna go get some coffee, your voice is incredibly sexy/hot..." This should annoy her or at the worst, make her laugh and then she hangs up on you. =P

[CJJ25]

I'd have fun with it.

Be all like: "I'll tell you my name if you give me yours. Can I ask YOU a question?" Then follow it up with like "Are you single? Do you wanna go get some coffee, your voice is incredibly sexy/hot..." This should annoy her or at the worst, make her laugh and then she hangs up on you. =P

i'll use that the next time.:D too bad i am not into dumb high school educated chicks....

[CJJ25]

why don't you just reply with some BS or misleading answers to their questions, like previous posters said just have fun with it

yo these ppl call back every fawking day man.

[Nikita]

Oh yes there is something you can do. If the collection agency is engaging in any of the prohibited practices set out below in a regulation to the Collection Agencies Act, you can file a complaint with the Registrar of Collections Agencies:

http://www.canlii.org/on/laws/regu/1990r.74/20080215/whole.html

From what you've said, at least one of those practices has been engaged in, that being that the collection agency is not allowed to contact your mother more than three time in a seven day period with respect to the same creditor. They've likely engaged in more than one of these prohibited practices.

Most collection agencies only require a high school education for their employees. I mean, who grows up wanting to be a credit collector? Who takes higher education for the purpose of becoming a credit collector? Most people who work for these companies don't have the intelligence to do anything other than call people and bully and intimidate them. And most of them, if they are even aware of the prohibited practices, assume most people don't, so engage in them without consequence. Both the specific collector as well as the collection company can face serious consequences, which you'll find at the end of the 'prohibited practices' regulation.

[YnD]

Or you can pay your debt off and not play the victim.

If you owe money (and knowing willingly), acting dumb or pulling some prank answer will only lead to more calls and your credit affected.


Oh yes there is something you can do. If the collection agency is engaging in any of the prohibited practices set out below in a regulation to the Collection Agencies Act, you can file a complaint with the Registrar of Collections Agencies:

http://www.canlii.org/on/laws/regu/1990r.74/20080215/whole.html

From what you've said, at least one of those practices has been engaged in, that being that the collection agency is not allowed to contact your mother more than three time in a seven day period with respect to the same creditor. They've likely engaged in more than one of these prohibited practices.

Most collection agencies only require a high school education for their employees. I mean, who grows up wanting to be a credit collector? Who takes higher education for the purpose of becoming a credit collector? Most people who work for these companies don't have the intelligence to do anything other than call people and bully and intimidate them. And most of them, if they are even aware of the prohibited practices, assume most people don't, so engage in them without consequence. Both the specific collector as well as the collection company can face serious consequences, which you'll find at the end of the 'prohibited practices' regulation.

[Nikita]

Or you can pay your debt off and not play the victim.

If you owe money (and knowing willingly), acting dumb or pulling some prank answer will only lead to more calls and your credit affected.

IF you owe the money being the operative word, which from the info we have, they haven't even been informed of who the actual creditor is, what the debt is or any of the other information collectors are required to give, in a letter before they can even start calling. Your making an assumption that this is a legitimate debt when you have no way on earth of knowing whether or not it is.

In any event, whether one owes the money or not, the Collection industry is regulated and yet regularly flaunt those regulations. Even legitimate debts are subject to collection in accordance with the regulations. If you expect debtors (who are so far only 'alleged' debtors) to do the 'right thing' and pay a debt nobody will prove to them, why would you not expect those on the other side, the collectors, to also 'do the right thing' by following the legislated rules of their industry. Once again, with so many of these holier-than-thou, suck-up-your responsibilities blah blah blah posts....why are we so quick to make those statements against everyday people but not against the other side. While a legitimate debtor should be responsible and pay their debts, a collector should be equally responsible to follow the laws and regulations like everyone else.

I think I need to change my sig to something more like...if everyone did their jobs right, the system will work optimally...because I seem to have to repeat this over and over to those who threadcrap people with the 'just do the right thing' without expecting or even admitting that both sides need to do the right thing.

[YnD]

You know.
Cause almost every time we get collection call/telemarketing threads its always the same thing.... Play a joke on the person on the other line... or pull some Seinfield line.

I am being considerate for the other end of the phone as well.
Majority of the time they are doing their job and its up to you to ask questions and find out if its legitimate. But yah, if you owe money willingly and your gonna play dumb on the phone or just hang up then you accept the consequences.


IF you owe the money being the operative word, which from the info we have, they haven't even been informed of who the actual creditor is, what the debt is or any of the other information collectors are required to give, in a letter before they can even start calling. Your making an assumption that this is a legitimate debt when you have no way on earth of knowing whether or not it is.

In any event, whether one owes the money or not, the Collection industry is regulated and yet regularly flaunt those regulations. Even legitimate debts are subject to collection in accordance with the regulations. If you expect debtors (who are so far only 'alleged' debtors) to do the 'right thing' and pay a debt nobody will prove to them, why would you not expect those on the other side, the collectors, to also 'do the right thing' by following the legislated rules of their industry. Once again, with so many of these holier-than-thou, suck-up-your responsibilities blah blah blah posts....why are we so quick to make those statements against everyday people but not against the other side. While a legitimate debtor should be responsible and pay their debts, a collector should be equally responsible to follow the laws and regulations like everyone else.

I think I need to change my sig to something more like...if everyone did their jobs right, the system will work optimally...because I seem to have to repeat this over and over to those who threadcrap people with the 'just do the right thing' without expecting or even admitting that both sides need to do the right thing.

[Nikita]

You know.
Cause almost every time we get collection call/telemarketing threads its always the same thing.... Play a joke on the person on the other line... or pull some Seinfield line..

I agree those are useless and not helpful in resolving any situation.

I am being considerate for the other end of the phone as well.
Majority of the time they are doing their job and its up to you to ask questions and find out if its legitimate. But yah, if you owe money willingly and your gonna play dumb on the phone or just hang up then you accept the consequences.

Umm, guess you haven't had a lot of experience with credit collectors. The majority of the time they are NOT doing thier job right, most of the time they do engage in one or more prohibited practes. MOST of the time they come on like gangbusters, they harass, they indimate, they treat nobody with respect and treat as 'alleged' debtors as deadbeats, even though they have no knowledge as to the original transaction, so can't possibly know it the debt is legitimate...or if the alleged debor is a deadbeat.

And no, it's not up to you to ask questions of a 3rd party credit collector, as the legislation clearly spells out, it is the legal obligation or the collector to provide all necessary information regarding the alleged debt, by letter. You didn't do business with the agency, they are imposed into your life by creditors, therefore you have no obligations with respect to them.

In this day of identity theft, the fact that they expect people to give out personal info over the phone to any joe blow asking for it, simply proves their stupidity. Everybody knows (or should) that one never gives out personal info over the phone, most especially to these kinds of companies who so often refuse to identify themselves (and even if they do, it's reluctantly done after the customer argues strongly enough to get it), give people no way to verify it.

I repeat....nobody has any legal obligation to answer any questions by any 3rd pary Collection Agency.

Lastly, as I've said before, I too am more than willing to cooperate with collectors who do their jobs right, who treat people with respect and who are truly motivated to resolve the situation. But when they come on on with the heavy-handed, intimidating, gangbusters attitude, they only screw themselves because I will return the non-cooperation in kind. I will not deal with these people in any way. So...kinda couter-productive for them isn't it?

[scorpy]

Sorry for posting a little late but maybe some of you would have an idea or suggestion, Collect corp answering machine keep calling my moms home, she does not owe any money to anyone...somone had stole here identity once and i think its due to that..but since collect corp are very rude and have no respect to any one and don't seem to understand that. I tried to explain that to them many many time, but We keep getting a phone call every day (answering maching saying that we need to call this number...bla bla bla)

I have no idea what should we do from now!! block there number by Bell, talk to somone...any suggestion would be great guys.

thank you!

[Nikita]

Sorry for posting a little late but maybe some of you would have an idea or suggestion, Collect corp answering machine keep calling my moms home, she does not owe any money to anyone...somone had stole here identity once and i think its due to that..but since collect corp are very rude and have no respect to any one and don't seem to understand that. I tried to explain that to them many many time, but We keep getting a phone call every day (answering maching saying that we need to call this number...bla bla bla)

I have no idea what should we do from now!! block there number by Bell, talk to somone...any suggestion would be great guys.

thank you!

Read my first post above. It contains a link to the legislation, the method of filing a complaint and the forms to do it, the email and physical address of the Ministry. Document every contact with them, dates of calls, times of calls, the gist of the conversation, the NAME of the person calling and file a damned complaint. I can't believe how often I've repeated this information on this board and if you do a search I may even have posted a link to the forms and Ministry address and info.

I have gone through the process of filing a complaint against a collection agency and two of the collectors making the harassing calls. It was successful, the Ministry ruled in our favour and the company AND the two employees have been sanctioned. And ooooh how sweet that was! My mom was the 'alleged' debtor, but in fact never did owe the debt in question.

And never, ever, ever give out personal info over the phone to anybody from any company who doesn't identify themselves. You have absolutely NO obligation to do so,no matter how much they bully and harass you into thinking you do. Read the legislation, protect yourself and file the complaint.

[v_tofu]

basically they are a debt collector and probably found my mom's name on a yellow page or something.


umm.. if they called your mom, maybe your mom owes money? Did you ask her?

[scorpy]

I am sure she does not owe money to anyone...they called her because someone stole here identity, and bought some stuff without paying them...its not her i am 110% sure of that!

[v_tofu]

I am sure she does not owe money to anyone...they called her because someone stole here identity, and bought some stuff without paying them...its not her i am 110% sure of that!


Hi... and you are.......the OP? 2 accounts?

[Squiggles]

We used to get collection calls all the time for a guy with the same last name and first initial as my wife. They were usually quite persistent and pushy. They would not believe that the person they were looking for did not live here. Luckily now my wife has changed her last name (after we married) so if anyone calls asking for the old last name I can say "wrong number" right away.

I don't know who the dude was that had the same last name and first initial as my wife, but he owed a lot of people a lot of money!!!

[stealth]

I used to get calls from a collection agency lookign for someone with the same last name as me (its not a common name, about 7 of us in the Toronto phone book, none of whom I'm related to). Anyways, the person was pushy, insisting that I must somehow be related to the person they were looking for, and asking all sort of questions, and insisting that they would keep calling and bugging me until I gave them the info they were looking for.

Fortunately they stopped after a couple of weeks after I started talking to them in a creepy way.

Scumbags. I'm with Nikita. Some people think they're justified to conduct themselves in any unscrupulous way, just because they're doing it under the guise of a corporation.

[st7860]

http://www.youtube.com/watch?v=kjXK0lwga3I