BC really that hard up for money?

banditpowdercoat · #1 07-20-2009, 09:25 PM

YES, it does reflect your credit. I have had pretty much same issues with a bank loan. Let it slide, but then paid it off. Bank neglected to tell Collections. Man, what a PITA it was. took me almost 2 years to get it rectified before I could buy my house. I was getting run around city. Equifax is PITA to deal with

StirCrazy · #2 07-21-2009, 03:16 PM

make sure ICBC informs the credit agency, better yet get a statment from ICBC showing the zero ballance and that the tickets have been forgiven, send that by fax to the colection company and tell them you want anything to do with this that have been put on your credit rating removed. only the place that adds to your credit rating can remove it so they can do it. If they won't talk to a lawyer and ask how much to draft a letter to them to have this done. I went through this with a dentists office that put a 250 buck bill only my record, which was funny as I am millitary and don't go to dentists that arn't military so there is no charge.. after a run around the office had made a mistake and they did remove the blemish from my credit report.

Steve

mark · #3 07-21-2009, 03:53 PM

Yep, looks like this isn't a done deal.

I called the agency yesterday to ask if we're good and guy goes off that he doesn't care what ICBC told me, I still own him money. Why was I stalling, was I too poor to pay, be a man and pay my debts. Guy was a nut case.

I called back to ICBC and confirmed zero balance and they said they would follow up with the agency today.

Not having dealt with a collections agency before little surprised how hostile from the start. I was told when this started that they where going to put me on a auto-dialer so I would be get calls every morning at 7:00am until paid, threats to my credit record etc. Understand people don't want to pay but start with a happy face on and a whole lot less stress for all involved.

Delphinus · #4 07-21-2009, 05:10 PM

Typical collections agency bullying. We had the same thing happen to us when we were victims of identity theft. I guess from their perspective, EVERYONE says "you have the wrong person" or whatever. They can only be called off by the people who hired them.

It's still unpleasant though. Calls at 2am and borderline abusive in nature ("do you get off on stiffing people?" etc.) Jerks.

Talk to ICBC again and insist that they look into the collection agency calling you and that they be notified of this ASAP. If the calls persist, quite frankly, I think I would call the police and report this as harrassment.

The whole thing sounds fishy to me. I'd almost be calling a lawyer (traffic lawyer or whatever) to ask for advice. Even if the tickets were legit (which I gather they are not, this sounds like a system glitch??), if they are from 1991 there's no way anyone can talk about them and have any validity at this point. Is the issuing officer even still on active duty? 18 years is a long time. If the guy was in his 30's or 40's at the time, for all we know he could be retired. I don't see how anything from that far back can be legitimately processed.

Good luck!!

michika · #5 07-21-2009, 05:52 PM

There seems to be a rash of these types of things going around.

I went to renew my license in April and was told that I had an unpaid $450 speeding ticket from 1996 and was required to pay before I could renew. I was 12 years old at the time, plus it was the summer my leg was in an ankle to thigh brace.

I had to go and get my passport, birth certificate, and a witness to sign forms at the registry for them to fix their rather grevious error. It took them 3 weeks to get it fixed before I could renew my license. They acted like I was the one in the wrong.

fkshiu · #6 07-21-2009, 05:54 PM

I would suggest that you CAREFULLY read section 264 of the Criminal Code of Canada.

StirCrazy · #7 07-22-2009, 01:34 AM

Quote:

Originally Posted by Delphinus

Typical collections agency bullying. We had the same thing happen to us when we were victims of identity theft. I guess from their perspective, EVERYONE says "you have the wrong person" or whatever. They can only be called off by the people who hired them.

It's still unpleasant though. Calls at 2am and borderline abusive in nature ("do you get off on stiffing people?" etc.) Jerks.

it doesn't matter what they feel they are not allowed to harase, threten and such. The Business Practices & Consumer Protection Act was passed in BC for this exact reason. and every provence has there own set of rules.

Steve

mark · #8 07-22-2009, 05:07 AM

talked to ICBC again this afternoon and they said I had zero balance with them and that meant zero owed to the collection agency. They said they had already informed the CA of this but they would do so again but for awhile just don't answer calls if I don't recognize the number (???).

Asked again for a statement and once I get that, I'll be checking checking my credit record.

But to the start of this, I might concede one ticket, but the others, specially the one without the license, seems wrong.

Would like to point out ICBC to whole time have been very curtious, not like the Agency who obviously never heard of the Business Practices & Consumer Protection Act (thanks for the links btw).

Delphinus · #9 07-22-2009, 07:34 AM

Stevem I didn't say they were justified, I totally agree that the harrassment is wrong. I just said it was typical, and that I sympathized because it happened to me too a few years ago. This is why I suggested calling a lawyer or the police if it continues, one shouldn't have to put up with that especially when it's clearly referring to something illegitimate in the first place.

Quote:

Originally Posted by StirCrazy

it doesn't matter what they feel they are not allowed to harase, threten and such. The Business Practices & Consumer Protection Act was passed in BC for this exact reason. and every provence has there own set of rules.

Steve

StirCrazy · #10 07-22-2009, 12:34 PM

Quote:

Originally Posted by Delphinus

Stevem I didn't say they were justified, I totally agree that the harrassment is wrong. I just said it was typical, and that I sympathized because it happened to me too a few years ago. This is why I suggested calling a lawyer or the police if it continues, one shouldn't have to put up with that especially when it's clearly referring to something illegitimate in the first place.

yup I agree.. and the problem is too many people think they can just walk all over you and don't know they have rights. I had a go around with a Dentist's office, and one a few years back with a fitness company that went out of buisness befor I could finnish paying for my membership. aparently they were choked that I felt if they went out of buisness 1 month after they signed me up then I didn't have to make any more payments other than the first. (that was an interesting one)

Steve