canadian dispute letters
Posted 30 October 2010 - 12:27 PM
Posted 30 October 2010 - 07:14 PM
Once you have your letter written if you want to post it we'll be happy to give suggestions, if you like?
Posted 31 October 2010 - 11:54 AM
Posted 22 November 2011 - 01:47 AM
Thanks so much
Posted 09 June 2012 - 12:56 AM
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 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
I never understand why they think we need to fix "our" credit report?!
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