Collections harrassment? Ontario Canada.?

Answers:1   |   LastUpdateAt:2012-08-22 16:24:03  

Question
ms.mitchken
Asked at 2012-08-21 00:18:03
Hello MedlinePlus MedlinePlus I took out a payday loan in November in the Cash Shop. It was for $ 200. I paid an extra $ 6 for credit insurance if I lost my job (volatile labor market). Well, a week later I did lose my job. MedlinePlus I called the cash shop and told them what happened. I asked my Record of Employment. I scanned and emailed it to them. I received an email back from the manager saying that he received the ROE. MedlinePlus Approximately three weeks later, I called again. They said they had more paperwork he had to fill. I asked them to email it to me, which they did. Could not open the file. I went to the store asking FOUR times the actual documentation. The woman working told me he did not have access to my file at that time and try again when the manager was in. MedlinePlus I went a couple of times, and the manager was never there. Once I was asked to wait. I waited an hour (with a 9 month old in December) for her, but she did not return to work. MedlinePlus MedlinePlus I have not heard from them for several months. However, at that time, had tried to take the loan amount from my bank account 4 times (I've never used that account, so he had no funds in it). I was charged $ 47 for each hour Sufficient funds. Every time I tried to leave the store I called and asked them to stop trying to get him out of my bank, as I had submitted my ROE and paid loan insurance. The woman in the store told me that the old manager in charge of my case was dismissed. She "see what he could do" for me. Also during this week, someone from the office of the Cash Store had called me to tell me I had an outstanding loan. I explained what had happened, and he apologized and told me he would call me later that day to tell me if I could find anything. He never called. MedlinePlus MedlinePlus Then Friday I went back to the store to ask about the status of my loan and loan insurance. The new manager said the store no longer had the file, since it had been sent to collections, so I could not say anything about it. I asked him why he had not been informed that they had sent to collections, and she said she had sent a letter in which he had discharged his position and sent to a collection agency. I never received a letter. Our neighbor delivering mail and asked if I ever saw something and she said no. MedlinePlus MedlinePlus Yesterday (Monday) I went to the store to complain about how they are handling. The new manager actually shrugged at me, telling me I did not know what was happening. I asked for the paperwork to fill out again and told me I did not have my file, and "remembers" I had told me three days ago. MedlinePlus MedlinePlus Yesterday afternoon, the central office has called me three times, bothered me about this. They said they had papers, and needed refilling. I told him I should not have to waste a lot of my time trying to find out and I had paid more in bank fees that the loan was actually FOR. He told me he did not need yella t, I did not need my attitude, and I hung up. I called back and answered. I asked to speak with his supervisor. He put me on hold for 45 minutes. Finally I got to her supervisor, who told me that there was no need to "police attitude" with its workers. He also said that "this is the way we do our collections, you are the one in trouble here, not me!" MedlinePlus Finally I got so angry he never yelled to call my house again, that if they did I would be filing harassment charges. I hung up the phone. 5 minutes later he called again and said he had written the paperowkr, Ic oudl fill and fax. They had found that it had submitted my ROE. MedlinePlus MedlinePlus This morning, the man called again. He said he reviewed my file and refused my request for credit insurance due to the fact that no documentation had been submitted on time. ?!?!?! I asked him what the hell he meant, and he said he would have the documentation needed to complete the week that took the loan, before they are due to pay. I lost my job and two days before it was due to pay. He said he had passed the deadline for insurance and the loan was due in full immediately or I would be taken to court. I said he could do it if I wanted to get a lawyer and fight it. He said: "It's Mrs. yeah right, I hear alllll the time!" MedlinePlus He told me to just pay because I like to spend more in legal fees than it was worth. I told him to never call here again and hung up before I totally freaked. MedlinePlus MedlinePlus I'm crazy about this STEAM. I did not hear from them for months, so I assumed he had been manipulated. Then they start calling several times a day is threatening me and laughing at me and telling me (oh this made me so mad) "shut up and listen." MedlinePlus MedlinePlus Is there any legal action I can take to fight them, or file harassment charges? I know you took out the loan in the first place, but I paid the loan insurance in case of job loss (w
Answer1 rise to kiss you -Answered at 2012-08-22 16:24:03
Write a letter (email requesting receipt is better) This should be established as follows: MedlinePlus MedlinePlus 1) What happened MedlinePlus 2) What was apparently wrong MedlinePlus 3) What should you do to make it better MedlinePlus MedlinePlus Simply: MedlinePlus MedlinePlus "In this day you took a loan with your company and paid for unemployment insurance. To date I lost my job. Complete all relevent documents that became available for me to fill, but then the loan has been delivered to a collection agency despite having paid insurance. MedlinePlus MedlinePlus The staff has been very helpful in solving this problem. I can only assume that the insurance fee was fraudulently taken if no procedures for claiming the insurance. You tried to take money from my account without my permission and this has led me to incur expenditure. MedlinePlus MedlinePlus I would request that this issue is addressed in the next 7 days. I would request the reimbursement of bank charges in 4 x $ 47 $ 188 absolutely secure and pay for the cost of the loan. Failure to take these actions leave me no choice but to seek civil damages in small claims court (or the name of their local courts that deal with these things) "
MedlinePlus Of course, you can go into more detail, but try to keep the emotions and to the point. Most organizations face when civil courts will be removed and you do not need the bad press and when other people find out they have lost, also threaten to court. This works well for a lot of consumer issues as well. If you find that you buy products liability and will not reimburse the store, talk to the manager and set the above "I bought last week and what does not. Need a replacement or a refund." "Sorry, but we do not offer refunds." "No problem, I'll see you in court because I know my rights." See how a short conversation and devoid of emotion firm can quickly change things. MedlinePlus MedlinePlus Now here is the clincher. Most work in the civil courts "balance of probabilities" rather than "beyond reasonable doubt". So, you show that you pay for insurance and states showing the fees paid for trying to get the money they were not authorized to do so (although you may have signed something and gave them the account details so they can accomplish this) The court then see if the balance of probabilities, it was reasonable for you to think he was insured and if so, give it to your favor. Most organizations know this and therefore not safe.
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