canadian dispute letters

[iwanabarockstar]

hi i am just looking for some dispute letters that are canadian specific. i know there are lots of samples here but they all seem to mention american laws. So just looking for something canadian friendly thank you

[Quasei2]

The most important thing is to be to the point. Also, for the first dispute it's not necessary to go citing laws, etc. That generally doesn't start until you're at the 3rd and 4th letter stage. There are some links to provincial laws further down this page. I'd recommend getting familiar with the laws for your particular province.

 

Once you have your letter written if you want to post it we'll be happy to give suggestions, if you like?

[iwanabarockstar]

was just thinking of going with a simple, what is this why is this on here please remove worded a bit better.

[Chevy]

I am in desperate need of some advice! My husband and I sold our house and moved across Canada! We had an old power bill and a cell phone bill, we were paying on the debt every month with a minimum payment as by this time we had double of some bills (an old power bill and then a new one) out of the blue I received a letter from a collections company called NCO Financial stating that our power bill was in collections! I immediately called them to find out what was going on as I thought everything was okay, since I had not received any phone calls or letters to make me think otherwise, when I was talking to the lady at NCO Financial she told me that it had only been posted for 2 days, I told her that I had just received the letter they sent me in the mail today and that I was confused and I was wondering why I didn't have anytime to clear this up before it went to the credit bureau! She said that she had received some return to sender mail from my post office. I didn't know how this was possible as I paid Canada post to re route my mail to my new address! So basically Canada post sent a very important letter(s) back to them without re routing it to me even though I paid for this service which intern resulted in a report to my credit bureau! NCO financial told me that they CAN'T remove it and to call trans union so I called trans union and they told me that the collections agency is the only one that can do that, I called them back and they told me the only way is to write a dispute to trans union and that, that wouldn't remove it but rather tell a story to someone doing a credit check! This is super messed up and I feel that I am being punished for something that Canada post basically messed up on! Cause if I had gotten my mail in time it would have gotten this far! I need to buy a house in the spring and this situation is not helping at all! I really would appreciate any advice or guidance as to what I should do, cause I am at a loss for words and very concerned that the bank won't give me the money I need for my house!

Thanks so much

[Leslie Howard]

I am in desperate need of some advice! My husband and I sold our house and moved across Canada! We had an old power bill and a cell phone bill, we were paying on the debt every month with a minimum payment as by this time we had double of some bills (an old power bill and then a new one) out of the blue I received a letter from a collections company called NCO Financial stating that our power bill was in collections! I immediately called them to find out what was going on as I thought everything was okay, since I had not received any phone calls or letters to make me think otherwise, when I was talking to the lady at NCO Financial she told me that it had only been posted for 2 days, I told her that I had just received the letter they sent me in the mail today and that I was confused and I was wondering why I didn't have anytime to clear this up before it went to the credit bureau! She said that she had received some return to sender mail from my post office. I didn't know how this was possible as I paid Canada post to re route my mail to my new address! So basically Canada post sent a very important letter(s) back to them without re routing it to me even though I paid for this service which intern resulted in a report to my credit bureau! NCO financial told me that they CAN'T remove it and to call trans union so I called trans union and they told me that the collections agency is the only one that can do that, I called them back and they told me the only way is to write a dispute to trans union and that, that wouldn't remove it but rather tell a story to someone doing a credit check! This is super messed up and I feel that I am being punished for something that Canada post basically messed up on! Cause if I had gotten my mail in time it would have gotten this far! I need to buy a house in the spring and this situation is not helping at all! I really would appreciate any advice or guidance as to what I should do, cause I am at a loss for words and very concerned that the bank won't give me the money I need for my house!

Thanks so much

Actually I would not believe NCO as they are also not suppose to call before writing first and yet I got the call the same day they wrote the letter, which I received a week later.

I never understand why they think we need to fix "our" credit report?!