9057157399

So i was getting collection notices from this company for a while with respect to a debt i have with leons and citi. i have neglected to answer the calls and then i got a letter in the mail that said "notice of authority to file suit" i also neglected to respond to that. i was served with papers at my job at my work and never ended up going to the small claims court. it turns out since i didnt go i got somthing called a default judgement on my credit bureau and my wages are now being garnished?? are they able to do this?

maybe you shouldn't have neglected the numerous times they had tried to get in touch with you/your rightfully owed debt, then you wouldn't be in the situation you are currently in. And of course they are allowed to do this! It went through the courts LOL. A default judgement is automatically awarded if you fail to file a defense. Garnishment of wages? Losing 25% of your pay must have been a rude awakening.

Lesson learned: avoiding your repsonsibilties and your rightfully owed debts will cause you more issues in the end. Hopefully others who come to this site to complain about calls will read what you are going through and choose to do the right thing...pay their bills. Or at least make an honest effort, return phone calls and explain why they cannot pay in the first place. That way, you don't wake up one day with a judgement on your bureau (for 20years may i add) and have to know that your payroll department knows all about your personal issues with abusing credit. Pretty emabarrassing.

JK, are you some sort of flailing moron?  It's clear from BePartofTheCureforBreatCancer is responding to the poster called "Debtor".

You're threatened by the message because this poster is right.  They just made your pathetic job harder.

JK, debtor *IS* the proper entity cited, idiot!  No wonder you're stuck in a dead end job making threatening calls to the general public!  It's easy being an over-the-telephone-toughguy and it's your therapy to spew hatred toward strangers on the phone!  

How else will JK get his frustrations out over being a total life failure and bottom feeder?!

Hey JK, your Daddy peed in your Mommy - and here you are as the result.  Go get run over on Markham Road, you pimply-a$$sed sh*tstain.

My only suggestion would be to file a motion to have the judgment and garnishment set aside.  The judges are usually lenient and would likely grant your motion and allow you to file a defence.  Better act fast though!  The longer you wait, the more unlikely it is that the judge will set aside the judgment.

What is extremely confusing to me is that you fail to understand one simple concept...without as you like to say "bottom feeders" no one would be around to collect unlocated funds that banks and financial institutions provide to the public. Which is quite necessary. I would hope that you have basic common knowledge to know that when people do not pay their bills and if there was no such thing as these "bottom feeders", your rates as a customer would sky rocket, and the economy would be severly affected. There is a reason collection agencies are around to contact debtors to make sure they obide by the contract they so willingly signed and pay their bills or at least make an honest effort by making monthly payments. Or wait, let me guess....you are a debtor? It seems like you have a serious issue with people making a living as "bottom feeders" and let me tell you, there is a TON of money to make in the business...a job is a job and someone is going to do it. I am quite curious to know what exactly it is that you do? Other than sitting on the internet and whining about collection agencies. Get a grip. Or go get your "hate on" with the people who gave individuals the money to irresponsible, low life DEBTORS in the first place. Without them, you wouldnt have to deal with "bottom feeders" in the first place! And since when was hatred translated to calling someone to make payments on the loan they used or the visa they used? Your logic is out of this world ridiculous my friend.

Also, Markham road is nowhere near newmarket...clearly you are not only uneducated in the matter of collections but also in directions.

You're wrong. Theres a certain amount of time alotted for someone who has been served to file a defense. If you fail to file that defense, the judgement is automatically awarded. Also, there is no such thing as setting aside a judegment!!! If you do in fact file a defense, a payment plan is put into effect where persons involved agree upon a certain amount to be paid monthly. Mind you, at this point in time you will not only be paying the amount of the debt but any other court costs and interest. If at any point the individual misses a payment and breaks the agreement, judgement is automatically awarded. Meaning, either 25% garnishment of wages or a lein placed against their property. If you work and own a home, they will go after the home first and foremost. If you are only empoloyed, garnishment will take place. Judgements also follow you no matter where you go.

I am having the same phone call i was paying little by lttlle because my salary went doun beacause ofsickness whe i call the to exlain and make arrangement everything was ok they even put m interestr out i tough theywere understanding buttttttttt not for long the manager of ccl call me himself and told me they need the money in 48 hurs or else they will be suing me he was reslly rude to me tellng me to borough money in 48 hours anyway i call consumer coplaints which they told me to write hi a letter explaining you don't want to receive more call fron there and demad a copy of city financial hat knows they are suing becaue some times thatwhat they do and city financial doesn't know nothng about it she told me he can gve you threath over the pone or even tell you they are suing on the phone i call him back t ask for the adress or fax # so i can send him a lettr and he start being rude again that i do not need the fax # and not to waste his time he hang up at me so i will send that letter because i found that adress and i don't think i will nt pay that debt they can even talk respecful they don't deserve to get paid  i will go to court if i have to  and i willcharge him for threats and my lawyer toold me i will win my case so now i don't worry about being sue anymore and i will concentrate on winning my case against his treath too badbecause all that time i want to pay the until the end with my budget but i guess he want t more so its to bad for him ecause he could lose him job by threatening people like tht. i spend a hole day up breaking my head making me sick wit chronic migraine so i can imagine you guys out there how you are feeling lots of stress when they do this they are ot human at all no feeling but what comes around go around one of hese days something will happn to them and i will be very happy

I guess you must work there  and don't like them calling you.  Whats with the all CAP message its rude.

The crooks here is Citifinancial; CCL either works for or has most of their accounts from Citifinancial they jack up the amount you owe and expect you to pay it, I call their bluff and told them to take me to court and try and prove I owed the amount they said they knew they couldn't since I didn't own half of what they said I owed.  Citifinancial is worst than a Loan Shark they are breaking the law charging more than double the amount that your borrow, people don't mind paying what they owe they just don't want to be ripped off.  If these people claim you own more than you do call their bluff to take you to court they know they don't have records to back up their claim and that its against the law to charge more than 60% interest on anything.  Pay what you owe not what they want.  Please don't borrow from Citifinancial people they are corrupt and you will never finish paying them off.  I borrowed 10,000 over 5 years ago, never missed a payment and I still owe them 9,000 rip off.

Ginger tell them to take you to court that you welcome the chance for them to prove you owe the amount they say, get everything in writing and remember that they must send you a letter in writing prior to contacting you.  If you account is for money owing from Citifinancial I was advice you to file a former complaint againt them with the Ontario Government thats what my plans are.  I am also going to contact the lawyers that sued Money Mart and won, I think if there are enough people filing complaints againt Citifinancial they might just get whats coming to them.  The web page for those lawyers is:  

http://www.strosbergco.com/landmark-cases

did anyone see market placeon the weekend.they did a story on debt collectors in ontario.it's worth looking it up on the computer and watching the video. what scuum bags

Thank-you..I will do that after the call I got from CCL today..some jerk left me a voice mail saying that I had refused some letter (just got their letter today March 24/2011) and that they were taking me to court..and sending a baliff to the house with papers??? Can they threaten like this?

got a call from them they had contacted a friend from a club that im in and told him it was papers for the club for me and if he knew where i was. when i called them the guy was freeking out on me and i told him i was going to sue them for telling someone thats not me about my buissness now i have the president of the club asking me what its about thanks alot a$$HOLES .he kept yelling at me so i hung up he called back 4 times then called my parents house saying he had documents for me what a dick. i called back and asked to talk to someone else and it was thesame guy he just said his name was diffrent. i asked if i could make payments and he said no and i have a couple of days to scrap up thousands of $ so im trying my best to do what i can no work means no money what can you do.

Just called me at 4:17 am. I don't have a credit card so it doesn't make much sense.

Just got my first call from CCL; stating that i must pay my balance in 48 hours. I told them; my file is with you guys because i could not pay it over 6 months, so what makes you think i can pay it in 48 hours? I offered to negotiate a fixed # of payments and they refused. What motherf%^&#s!! Our situation is pretty unique; card is in my wifes name, has not worked in 4 years, is not planning to go back to work anytime soon, is a stay home mom, and has no intent to ever need her credit profile as husbands record is flawless. Should she pay back the debt she has with a credit card company or screw it? What could possibly happen to her?

T, get a life, BOTTOM-FEEDER.   I'll bet you love your dead end job where you get to call senior citizens and those laid off or disabled and scream at them because they dared to get ill or lose their job.  You're such a toughie.

What do they pay you, $11.00 per hour?  

It would be far different if the idiots of the world like you were only contacting and harassing true deadbeats who won't (not can't) pay their bills, but you call and harass the elderly.  You call cancer patients and yell at them to get their family to pay their bills, and you scream at people who have been laid off and need to go to food banks to feed their kids.  You, you piece of sh*t, are pond scum.  You are the worst of the worst, and even worse than that for coming on here and defending your pathetic existence.  You know your line of work and your bosses are shady dirtbags with a million numbered companies and who violate the law every single phonecall.  At least be honest about your job instead of trying to make into something it isn't.

The funniest part is that you take home barely 2 grand a month.  LOL, I made that even before graduating.  And I hate POS bottom-feeders like you because of how you harassed my brother's wife who was trying to deal with feeding her kids and the death of my brother in a work related accident.  You pond scum wouldn't even wait until the insurance money came thorugh and the court case began.  No, you wanted her to ask US to pay citifinancial. I hope you and your lot rot in hell, sh*tstain.

Janice Elms at ex 216 from CCL Financial has called a NEIGHBOUR whom I do NOT know about my husband's account.  This is a serious violation of the Ontario Consumer Protection Act.

We have sent registered mail detailing the events and making a final offer before taking our final action of litigation in October.

If you have a valid complaint regarding a collection agency, this is the link to the Ontario Ministry of Consumer Services, the regulatory body which oversees debt collection agencies:
https://www.consumerbeware.mgs.gov.on.ca/compform/english/complaint.asp

Here is the full contact information regarding CCL Investments:

Square Two Financial Canada
CCL Financial Inc
Preferred Credit Resources Ltd
Metropolitan Legal Administration Inc

1310 Kerrisdale Blvd
Suite 200
Newmarket ON
L3Y 8V6

Accounts@squaretwofinancial.com

Toll Free: 1 877 271 8275
Phone: 905 715 7399
Fax: 905 715 7946
www.squaretwofinancial.com


Like other posters, Janice refused to make arrangements for payment on the first telephone call, demanding full payment within 48 hours.  According to the Ontario Consumer Protection Act, they are required by law to make arrangements and accept payment from you.  

These "agents" are really untrained representatives who are paid to bully people on the telephone.  Yes, if you have an outstanding debt, you should certainly pay it.  But you do have rights and deserve to be treated fairly.

Yes they are able to do this. You neglected your responsibility to pay your debt. They can take up to 25% of your wages and 100% of your commission if you are making some. You should have responded to the calls and letters you could have Settled your debt.

Actually you are wrong. Maybe you should get educated before you make such disgusting remarks. A collection agent calls people who refuse to pay back money THEY took from the bank. Its not a giftcard from a bank giving you money to spend. It is money you are borrowing and THEY neglect to pay it back. If someone borrowed thousands of dollars from you and said oh oops cant pay it back now would you be okay with that? I dont think so. As well when you borrow money you pay it back monthly in small amounts and you have to neglect on that for ONE YEAR for it to go to collections.

Oh and they make more then 2 grand a month.. Just saying. As well if the person who owes money has family or money issues they make arrangements to fit their needs.

P.s if your going to make a point on how you feel you shouldn't talk so disgusting you sound really uneducated.

Have a great day.