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Posted: Tue Feb 28, 2006 11:08 am Subject:

Which website are you talking about? Are you looking for the address of Debtconsolidationcare.com? You can visit the contact us page for that-

http://www.debtconsolidationcare.com/contactus/

Help · Posted: Tue Feb 28, 2006 11:25 am Subject:

I am looking for information regarding the fdcpa information in Ontario? You had listed a link in another email but it pertains mostly to the laws in the US. Thank you.

Posted: Tue Feb 28, 2006 11:39 am Subject:

You can contact AG's office of your state for any legal information. Visit this site, it might help you-

http://www.attorneygeneral.jus.gov.on.ca/

Help · Posted: Tue Feb 28, 2006 12:42 pm Subject:

Thank you Stanley.

Guest · Posted: Wed Mar 01, 2006 3:20 pm Subject:

I'm killing myself laughing here!! You people are complaining that you weren't sent flowers before you were contacted to pay back money that you've admitted you owe!
When you default on your car or mortgage payments eventually someone nice comes along and takes it back. You can't go into a store, pick something up and tell the owner I'll pay you later-trust me? When you take out a loan and sign an agreement to pay it back on an agreed to date, surprise, you're suppose to pay.
Common people. Let's talk unlawful!!!!

Posted: Thu Mar 02, 2006 1:37 am Subject: guest

Guest - you must work for a payday loan co. Shakespear fan? Pound of flesh due if payment is not made in full.

When I am late on a car or whatever payment I can call them and they are very willing to work something out. They also do not charge 1000% interest so its usually a pretty workable arrangement.

Unforseen things happen. When they do happen we should not be harassed at work, threatened to have our employers contacted or deal with unruly, unreasonable and rude collectors. Its not only not right but illegal.

Guest · Posted: Thu Mar 02, 2006 7:19 am Subject:

Well said Glynnie11. I agree with you. People need to realize that this "Mr. David" or any of his other hidden identity associates haven't a leg to stand on considering they will not provide any information they speak of - people don't be intimiated by their verbally harrassing scare tactics. If they were a legit company, they would have no problem dealing with you in a professional, reasonable and legal manner WHICH they are not according to many people. There only seems to be one person defending Mr. David's actions and that is the "so called" Mr. David.

Mrs. David · Posted: Thu Mar 02, 2006 3:35 pm Subject:

You all seem like well educated, intelligent people.

If you don't remember the debt, just contact the company that forwarded your debt file to whatever recovery company. I'm sure they'll be very happy to remind you that you didn't pay them, and because of that your file had to go to collections. While you're on the phone with them ask them to send you your last invoice. Agencies aren't provided with copies of all your transactions they get a file. Name, number, how much you owe.
Can you imagine being a collector? Having people yelling at you all day, freaking and swearing at you because you have the nerve to ask them to take care of a debt? I empathize with all of you, but you are all only providing one side of the story. Lots of people are posting here because some where back whenever, someone decided to lodge a complaint. Who knows if it was legitimate or not, and who cares. Other people do a search and think, ya that sort of sounds like what happened to me - so they post. I've read this forum a few times over now and it's sort of like playing that game where one person whispers in another persons ear and they pass the information along. When you get to the end person, the message is so far off from what the original person said - but we all have a good laugh, and try again.
Have a great night everyone!
lol

Betty Boop · Posted: Thu Mar 02, 2006 5:12 pm Subject:

Hey Glynnie11,

You sure are a wealth of information! You should call yourself Dr. Glynnie11.

You have advice for all sorts of people (from what I've read)

Posted: Thu Mar 02, 2006 8:11 pm Subject: Mrs David

Mrs David. Get a real job. Working collections for a payday loan co does not make you a professional collector. A professional collector will work with people and not threaten to try and get them fired from their jobs or say the cops will be at their door.

How can you sleep at night working for a place that charges so much interest and harrasses people? Attempting to collect debt by illegal means? Taking advantage of deperate people that take out your loans and have to re-loan to afford the interest.

One of these days the cops will be at your door and you will be held responsible for your actions. It has happened before and will happen more. Strong lobbying from the big boys ( banks, mortage co's,.. ) are in place to shut you down because people are paying you guys instead of them. Payday loans are increasing the bankruptcy rate thus causing other valid creditors to lose money while you pilfer their clients accounts.

Everyone is getting sick of you guys.

Beware · Posted: Fri Mar 03, 2006 7:03 am Subject:

Good for you Docem1 and Dahlia281! Don't be fooled! Extoration and illegal operation together with harrassment and unprofessional conduct spell - SCAM!

Does it really matter? · Posted: Fri Mar 03, 2006 11:08 am Subject:

You silly people, I am niether a colletor nor do I work for a payday loan company. I'm really sorry for those of you that are having a hard time, or have had a hard time. Maybe someday I will have a hard time, but rest assured I will not blame any one other than myself for any situations that arrise as a result of my actions.
Sometimes it's okay to just be angry at ones self.
TTFN

Get a Life! · Posted: Fri Mar 03, 2006 11:58 am Subject:

Mrs. David, you must be related to Mr. David somehow because everything you are typing sounds pretty much like his pathetic messages.
What don't you get, if you've read the messages over a few times like you have indicated, you would realize that people have requested documentation from this fake company and in return only been verbally harrassed, threatened, "we'll see you in court" comments, "we'll serve you a work" comments, they won't send documentation rather hang up on you when questioned and they don't have a legit mailing address - have you got in now Mrs. David - re-read this a few times maybe.
"Silly people" - take a good look in the mirrow before you judge others.
AND I have read this post along with others and as I continue on to reading the forum - the message has never changed - it clearly indicates that Mr. David and his firm are a scam - keep reading over and over and - stories are similar - they certainly don't fade or change from beginning to end - they have been pretty consistent all the way through - enough excuses!
Get a life and get over it - you've been exposed.

Posted: Fri Mar 03, 2006 12:23 pm Subject:

Okay folks.. lets watch the name calling..

That said my response to Mrs. David, what does it matter, educated and the guest at the bottom of the previous page, The people who post here seeking advice are trying to resolve their debt issues in a reasonable manner that often times allows them to survive. They have no problem dealing with legitimate collectors who follow the law. That is the salient point of this forum and this thread in particular, in which substantial documentation exists that an individual/firm is violating the law on a regular basis in a manner that belies a complete lack of respct for not only the law, but moral and ethical business practices as well.

No one here is blaming collectors for their debt and they shouldn't. However if a collector and/or a creditor violate the law they can and should be blamed for the damage (emotional and financial) that they caused. Whenever I read the posts of people representing collection agencies discussed in these threads, they never offer up any proof that they are conducting themselves appropriately. Usually they resoort to name calling and such in what I view as an attempt to intimidate and ridicule people instead of facing the truth that they are beign exposed and will sooner or later be held accountable.

For those who post here from the debtor point of view, let us remember that we are above the name calling and such... we work together to stop the illegal, unethical and morally reprehensible practices many are being subjected to..

Posted: Fri Mar 03, 2006 1:05 pm Subject:

Well said JJ

Sharly · Posted: Fri Mar 03, 2006 7:51 pm Subject:

My real name, by the way.
Very few here are trying to resolve their debt issues, most are proud of the fact that they scammed their way out of paying their debt. I don't know who this Mr. David is, but I'm sure he's just getting paid to do a job, just like the rest of you.
I have an amazing life, thank you very much. I just really do feel badly for all of the very angry people. I don't know about all of this 900 business, but the payday loan stuff that's real, and some of you have admitted to not paying back your loans. You have no right to complain about being contacted by anyone to repay your debt.
I don't want to play with you guys anymore, from what I've read you are the mean and nasty ones!

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