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Bodie34

Harasement by Canadian Debt Collectors

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Hi all,

 

I moved to the UK from Canada back in 2002, and over the last month started receiving calls from "Alliance One" collection agency in Toronto. They are demanding I repay them immediately a sum of $9000 CDN.

 

They managed to track me down to my new address in the UK and also find out who I now work for in the UK, and even somehow find out my personal mobile number.! Is this legal?? How would they obtain this!?!

 

The debt collectors have said this will "become nasty" if I don't pay them the full amount by EOD today.!!

 

This $9000 so I find out if a old line of credit I had with a Canadian Bank, yes it needs to be repaid but due to my financial status I cannot do this within their time constraints.

 

So would anyone know how far the Canadian collection agency can go with this as I am over in the UK?? They don't seem to play by UK OFT UK's and they seem to be trying to "wind me up" with statements they I knew what I was doing and I tried to escape from the debt hoping nobody would find me etc etc.

 

Any advice! Many thanks!

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Hi Bodie,

Welcome to CAG :)

I don't know about Canada, but in the UK debts which have not been acknowledged or had any payment made towards them are Statute Barred after 6 years and cannot be enforced. (More complicated if a County Court Judgement was issued).

Are you aware of whether this debt went to Court in Canada?

I also doubt that the debt could be enforced through the British Courts even if it was within the time limits, but hopefully someone with more knowledge of international debt will be able to clarify that.

 

Main rule: NEVER EVER DISCUSS THIS WITH THE DEBT COLLECTORS ON THE PHONE. INSIST ON ALL FURTHER CORRESPONDENCE IN WRITING.

All the best, awaiting more expert opinions...

Elsa x


PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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The debt collectors have said this will "become nasty" if I don't pay them the full amount by EOD today.!!

 

Tell them in an American/Canadian accent to "Go ahead & make my day" :mad:

Failing that..just ignore the fools.

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I suggest you also check out the Ex-pat Focus forums to find out what the Statute of limitations are in Canada, I suspect it will be either the same as the EU (3 years) or the UK (6 years in England/Wales & 5 years in Scotland). Expat Focus - Forums - Expat Issues (scroll down for country specific forums) - Personal Finance (scroll down for country specific forums) - Personal Finance is a very common topic of discussion & they should be able to answer all your questions from their own experiences.


Anthrax alert at debt collectors caused by box of doughnuts

 

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Great advice from Cerberusalert.

I dont think they will sell it to America for you to be extradited. :D. It certainly seems as though it would be statute barred in Canada. The only thing they could do / or have done, out there is issue a warrant via courts to your last address there. Its fairly similar to US in that regard. But again the Statute Barred rules come into play, So quite what theyd do if you returned is something to consider. You will only get flagged at immigration if you committed a criminal offence, seeing that debt is a civil matter, you should be OK.

Now my serious worry is why the hell you left Canada to come back here???

I can understand wanting out of USA ( Been there done that).

Edited by bazaar
educated myself a bit

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the statue of limitations in canada as far a i know if 5 years

Federal - Section 32 of the Crown Liability and Proceedings Act sets 6 years as the limit for debt.

Limitations Acts -"Statute of Limitations"

 

so you can tell them to get stuffed


The Tally so far in order of appearince:

Intrum Justica

:DNow gone from my life

Metropolition

:DGone and had to repay me 500 pounds

Red(Lowell)

:DCase Closed

Aktiv Kapital

:pWas so sad yo say good bye. Parting is such sweet sorrow.

MBNA :oops::-) No CCA No Debt You lost

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Yeah, tell the Cannuck scumbags to go boil a moose or an eskimo or whatever it is they do for fun out there! :mad:

 

*Brandishes a Daily Mail in the general direction of Canada.*

 

Damn colonials.

 

(We gave the Aussies a good thrashing at Lords, so the Cannucks shouldnt think that old Blighty's finished yet!)

Edited by noomill060

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I wouldnt even waste the time or money on letters or calls,

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Hi Bodie,

Hows it going? Any updates on this?

Consensus seems to say phishing trip for statute barred debt so ignore..

Are the sharks still circling?

All the best,

Elsa x


PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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