These guys call me everyday regarding some credit issue with TD.
I have no account with TD, they guy keeps insisting on getting my SIN or DOB which I will not provide. He leaves a Voice message every day. Perhaps the RCMP should visit them.

I have them on my butt tighter than my underwear. I'm getting 4 calls a day. Whatever happened to 3 times in a 7 day period??

The Ontario Ministry of Government Services consulted the collection industry to develop a standard to be followed by all collectors. Having a standard also allows the public to have a better understanding of what collection agencies can and can't do. The regulations forbid collection agencies from: ? contacting you until six days have passed from sending you written notice of the following:? the name of the creditor? the balance owing? the name of the agency and its authority to demand payment? continuing to contact you if you did not receive the notice unless a second copy of the written notice is sent to an address provided by you, and then contact may only be made six days after sending notice;? contacting you if you send a registered letter to the agency saying that you dispute the debt and suggest the matter be taken to court;? contacting you if you or your lawyer notify the agency by registered mail to communicate only with your lawyer, and you provide the lawyer's name, address and telephone number;? contacting you on Sunday, except between the hours of 1 p.m. and 5 p.m., and on a holiday;? contacting you other than by ordinary mail more than three times in a seven-day period without your consent, once the agency has actually spoken with you;? using threatening, profane, intimidating or coercive language, or using undue, excessive or unreasonable pressure;? continuing to contact you if you have told them that you are not the person they are looking for unless they take reasonable precautions to ensure you are that person;? giving false or misleading information to any person;? recommending to a creditor that a legal action be commenced against you without first sending you notice;? contacting your employer except on one occasion to obtain your employment information, unless your employer has guaranteed the debt, the call is in respect of a court order or wage assignment or if you have provided written authorization to contact your employer;? contacting your spouse, a member of your family or household, or a relative, neighbour or acquaintance except to obtain your address and telephone number unless the person contacted has guaranteed the debt or you have given permission for the person to be contacted

These people are phishing for credit card info beware! Why is the RCMP allowing this harassment.

Caller: PIC Partners in Credit

They called me this morning at 7am. They had the right last name but totally the wrong First and Middle name. I looked them up on Google, didn’t know who they were. We have excellent credit. So we’ll see if they continue to call.

The individual called me at work and said she was representing Partners in Credit on behalf of TD Canada. I do not have a TD account. She asked me to confirm my full legal name, when I refused, she asked me to provide my DOB for verification purposes I refused to provide that as well. Then she asked me for an address and I said, well I expect to receive a notice. She said the notice is in the mail. I advised her that I would call her when I received it and she tried to make me feel guilty about not dealing with the issue now and then let me go.

They keep phoning me, after I blocked the number, they started to send written mails. There is no clear providing card number of the visa debt, and what the hell is 70% off?? I called TD and they say I don't owe anything. It's really weird . Is this a true one?

What a nuisance - I have nine calls from these guys!! I think are a collection agency and we have AA credit ratings! I agree the RCMP should visit them. Send complaints also to the National Do Not Call List. And consider investin g in a call block option from Bell Canada. It is worth a few dollars to cut these creeps off.

This number calls on and on and do not leave a message just 'bye' on the message. They need to treat people with respect even if they are ion debt as they have rights too!!!!! they need to be shutdown

The guy call me every morning 8▪10 am and say confirm your date of birth or postal code , I am calling behalf of td bank , I talk to my bank nobody call from td bank this is bullsh*t

These people are sleezebags. They called my landlord's sister-in-law, someone I don't know. We don't know how they found her unless they researched the property deed where I live and found her name on it. It's against the Ontario Credit Act to contact someone you don't know.

One lady called from this number and asked for Dominique Albert who i don't know

Relax, they are only using scare tactics.  I don't know what the limitations are for other provinces, but for BC as long as you have no contact with the collections agency they can't come after you once 6 years is up.  But if you contact them or give them any money the 6 year time limit will start from 0 again.  The only thing they can do is garnish your wage, and for a small amount of money it won't happen.  They need to get a court order to do so and will need to apply for it once a month thereafter.  It is very costly for them to go this route so that is why they use threats.  They are hoping to scare you enough that you will pay back the debt.And even in the small amount of cases that actually result in wage garnishment, they can't take more than 20% or so, and even at that you can apply for it to be a lesser amount stating hardship.  I've heard of people only paying like 20-30 dollars a cheque.  Overall the costs of paperwork / courts are far too high for them to be going this route for a majority of debts.Do some research.  They are virtually powerless and so try and guilt/scare you into paying.

The answer is to take the phone call, listen to them and then ask them for the name of the company, their address, the creditor they are calling for, and their file reference number.If they ask you why, or try to not give you that info, tell them that they are required to do so under the Collection Agencies Act. Tell them you dispute the claim, and are sending them a "cease-and-desist letter".If they ask you what the basis is of your dispute, tell them you'll set it all out in the letter. Don't try to explain anything to those idiots on the phone.Don't yell, don't swear, be reasonable in your tone, but firm.Then you have to send a letter by REGISTERED MAIL to the collection agency. Give them the reference no., the creditor, and tell them you dispute the claim. Tell them a very brief tiny description of why you dispute the claim. Then tell them that they are required to stop calling you. Any infraction of that, and you will report them to the Ministry of Financial Institutions, which will put their collection agency licence in jeopardy. Keep a copy.one common  basis for dispute: it's statute barred. That means that if it's over 2 years old, and you haven't acknowledged the debt in writing or made a payment on it for 2 years or more, they can't sue you. then contact the credit bureau and if there's a notation on your file re this debt, send them a letter with your dispute reasons, if you have a good case. Regardless, just tell them that it's a disputed.account.google collection agencies law in Ontario. you'll get info from the govt.

There are laws that govern the collection agencies' actions. Simply find the laws online, read it, and record a few harassments that occurs or a few times when they break the law. Then take action by playing back the recording to their managers and threaten to report them to their governing body and to take them to court. If you do owe money, you will get off the hook for just about whatever amount you want.

for some reason he was like im calling from embridge gas... and he started asking for my dads work hours...

This agency calledPartners in Credit?s Vice President of Operations oversees privacy governance including policy, dispute resolution, education, communications and escalation. PIC?s Vice President of Operations reports to the President and Chief Executive Officer. The Vice President of Operations can be contacted at Partners in Credit Inc., 9225 Leslie St, Suite #201, Richmond Hill, Ontario, L4B 3H6, directly by phone at (905) 886-0555, fax (905) 886-5784 or email a.fiore @ partnersincredit.com. also if you want info on them

This number is for a collection agency called "Partners in Credit".  The man who called me today (at my workplace) is named Brian Singh.  He was extremely aggressive in trying to control the conversation and would barely let me get a word in edge-wise.  He was threatening in his tone, and I must say was a complete jerk.  He is attempting to collect on a closed debt account.  Beware!   I will be filing a complaint.