Portfolio Management Canada Inc.
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Thanks to you again. I find it odd this witch would recommend that to me knowing that most lawyers wont comply to it. (she also mentioned getting the police to sign it). My father-in-law is a retired cop, I feel like asking him just to sign a statement for me and be done with it, but I'm so mad that now I want to pursue this and make a case with them. I think I'm going to contact the "contact us" people listed on Financial Management's website (they list the managers) .
I don't think that they can list a debt on my credit report that is already listed in good standing through TD???
I don't think that they can list a debt on my credit report that is already listed in good standing through TD???
honestly, with that creditor, demand that they send you proof. You do not have to send them any proof of who you are.
We pulled that on them and they sent the "proof of debt." We just saw our credit thing today and guess what isn't on it? Yup. the dept they say we owe.
bwahahahaha
We pulled that on them and they sent the "proof of debt." We just saw our credit thing today and guess what isn't on it? Yup. the dept they say we owe.
bwahahahaha
Thanks...I got the email address of the president, vp and director of operations through their parent company Activ Kapital or something like that. I am going to demand the proof and tell them if anything the 'debt' is stat barred or don't belong to me. There's no way I've had activity through TD bank other than my student loan which is closed and paid.
It really peeves me off.
I will post the email addresses for others tomorrow
It really peeves me off.
I will post the email addresses for others tomorrow
It was also suggested to ask them to correspond in writing for proof and instead of them riling you up on the phone. I am so tired of this, you feel like you've done something wrong when you know you haven't and they can really push their buttons by their comments. I'm glad I haven't heard from them, I"ve been given "two weeks" to provide that affadavit they know I can't get....I might post the email I sent them after I send it...
Thanks all.
Thanks all.
Presidents email: aszemenyei@portfoliomci.com
VP Corporate Development: scoffin@portfoliomci.com
General Manager: rbrunet@portfoliomci.com
VP Corporate Development: scoffin@portfoliomci.com
General Manager: rbrunet@portfoliomci.com
Here Is Where Portfolio Comes In. They Buy The Debt And Help You Pay For It 1) At Lower Interest 2) With In Your Means. If Its Not You said:Is this an ad for PMG? Saying that they are in any way trying to help someone pay off a debt is like saying a mugger is helping you by making your wallet lighter to carry. PMG are the leaders in buying stat barred loans for peanuts then go fishing trying to sucker people into paying a small payment to reinstate the loan and get it back on your credit report.The they have the ability to put the pressure on you and also can legally take action if needed. So saying that they are helping you by buying a 3000.00 loan for as little as 15.00 and then also charging interest if they get you hooked is only helping themselves and thats all the scum at PMG are interested in.
any connection with MJR capital/collection services
My spouse has had an ongoing battle with MJR since 2001 claiming he owed over $11,000 (which didnt belong to him) never showed up on his credit reports i at the end of 2005 after being told numerous times that they would delete the information from the system he recieved a letter with intent to pursue legal action, so i called and started asking questions and find out what his rights were...come to find out that the person they were looking for was born in 1958 my husband was born in 1973....i was advised again that this would be dealt with 6 months later started recieving calls again so i filed a complaint with the Ministry of government services consumer protection branch and gave them ery specific details of the calls and who i spoke to over the last year and a half (i took notes) about 4 weeks later recieved a letter from MJR (via the government ) that all the contact information would be deleted, as they were calling my husbands parents address as well, as far as telling his father he was lying and trying to cover for him, that was in the begining of last year. today a lady by the name of sue from portfolio management left a message at his parents address we didnt connect the 2 together, he called back and spoke with someone else who would not provide him with any company information, or what they were looking for when he asked questions they said they were not allowed to tell anything they asked for the last 3 numbers of his SIN, she asked to confirm if his DOB was 1958 (the same as the one that MJR was looking for) he hung up and told them never to call his parents house again ....my question is doesn anyone out there know if there is any relation between MJR and portfolio management as after almost 7 years of harrasment we are taking court action
My spouse has had an ongoing battle with MJR since 2001 claiming he owed over $11,000 (which didnt belong to him) never showed up on his credit reports i at the end of 2005 after being told numerous times that they would delete the information from the system he recieved a letter with intent to pursue legal action, so i called and started asking questions and find out what his rights were...come to find out that the person they were looking for was born in 1958 my husband was born in 1973....i was advised again that this would be dealt with 6 months later started recieving calls again so i filed a complaint with the Ministry of government services consumer protection branch and gave them ery specific details of the calls and who i spoke to over the last year and a half (i took notes) about 4 weeks later recieved a letter from MJR (via the government ) that all the contact information would be deleted, as they were calling my husbands parents address as well, as far as telling his father he was lying and trying to cover for him, that was in the begining of last year. today a lady by the name of sue from portfolio management left a message at his parents address we didnt connect the 2 together, he called back and spoke with someone else who would not provide him with any company information, or what they were looking for when he asked questions they said they were not allowed to tell anything they asked for the last 3 numbers of his SIN, she asked to confirm if his DOB was 1958 (the same as the one that MJR was looking for) he hung up and told them never to call his parents house again ....my question is doesn anyone out there know if there is any relation between MJR and portfolio management as after almost 7 years of harrasment we are taking court action
Here is my response from PMCI...I still don't know what to do. The "payment" i attempted to make he mentions is bizarre, since I still don't recall owing money to TD? Not to mention when he says about my credit report, he says " it does not list an account number, only that the account was closed at my request"? My credit remains in good standing....what to do???
I am writing you back in regards to the above mentioned account.
Further to your request made in a previous e-mail, that we only communicate
with you in writing, I am writing to inform you of the results of our review
of your account, a student line of credit, conducted in conjunction with TD
Canada Trust.
We have the following, as a recap of events that have transpired thus far.
You were contacted by an Account Representative of Portfolio Management
Canada Inc. in regards to a TD Canada Trust (TDCT) account. You admitted
that, formerly, you had dealings with TDCT; but, that your account was
previously paid in full. Regrettably, you no longer have proof of this
assertion; however, someone you spoke with in the Payment Account Recovery
Department indicated that, in fact, your account was paid in full but that
they could not supply you with any proof. After contacting our Account
Representative, you were told that an Affidavit, stating that you had
previously paid this account, signed by a lawyer or police officer,
submitted to our office would close this account. Unfortunately, that
information was incorrect and for that I apologize. Also, while there is a
TD Bank listed on your credit bureau, it does not list an account number on
your Trans Union Credit Report and the account simply shows as closed at
your request.
According to our contact at TDCT, on November 2, 2002 you attempted to make
a payment on this account. However, the bank has this listed as a returned
item which means that the payment was not applied to this account.
Consequently, based upon the information we've received from TDCT, this is a
valid account with a balance that remains outstanding. PMCI is now the
legal owner of this account. Also, your attempted November 2002 payment
means that this account will not be statute barred until November 2, 2008.
I am writing you back in regards to the above mentioned account.
Further to your request made in a previous e-mail, that we only communicate
with you in writing, I am writing to inform you of the results of our review
of your account, a student line of credit, conducted in conjunction with TD
Canada Trust.
We have the following, as a recap of events that have transpired thus far.
You were contacted by an Account Representative of Portfolio Management
Canada Inc. in regards to a TD Canada Trust (TDCT) account. You admitted
that, formerly, you had dealings with TDCT; but, that your account was
previously paid in full. Regrettably, you no longer have proof of this
assertion; however, someone you spoke with in the Payment Account Recovery
Department indicated that, in fact, your account was paid in full but that
they could not supply you with any proof. After contacting our Account
Representative, you were told that an Affidavit, stating that you had
previously paid this account, signed by a lawyer or police officer,
submitted to our office would close this account. Unfortunately, that
information was incorrect and for that I apologize. Also, while there is a
TD Bank listed on your credit bureau, it does not list an account number on
your Trans Union Credit Report and the account simply shows as closed at
your request.
According to our contact at TDCT, on November 2, 2002 you attempted to make
a payment on this account. However, the bank has this listed as a returned
item which means that the payment was not applied to this account.
Consequently, based upon the information we've received from TDCT, this is a
valid account with a balance that remains outstanding. PMCI is now the
legal owner of this account. Also, your attempted November 2002 payment
means that this account will not be statute barred until November 2, 2008.
MJR and Portfolio are not related. MJR is a collection company that would have had your account in the past and when they were not able to collect it after xx number of months they would have returned it to the original creditor and then the original creditor would have sold it to Portfolio
Melly who signed the letter that Portfolio sent you? Since they mention they have this "contact" at TDCT, tell them to provide proof of this amount owing such as a contract with your signature, account numbers, payment history, proof of this payment they claim you tried to make, etc and tell them that without this proof, you do not acknowledge that you owe this debt. Also send a copy of that letter to your provincial ministry that oversees collections in your province. If you are not sure who that is, post a reply and I will get that info for you. Let me know what Province you live in.
I am so frustrated!
I'm very happy to see this forum! We too are getting calls from PMC on a purchase they say happened in 1997. We NEVER have bought anything from the specific company they are claiming we owe money to.
We contacted the company and they say they have no record of anything before 2004 because that's when they sold those debts to a collection agency. (PMC is apparently the THIRD company to have this alleged debt)
Now I keep reading that people should say the debt is "stat barred" but I don't want to say that since we never owed any money to the company! That feels like I'm acknowledging something that isn't so.
What should people say who are being accused of debts that they never incurred but can't prove it?
Thanks,
( BTW my husband's name is one of the most common names in North America)
I'm very happy to see this forum! We too are getting calls from PMC on a purchase they say happened in 1997. We NEVER have bought anything from the specific company they are claiming we owe money to.
We contacted the company and they say they have no record of anything before 2004 because that's when they sold those debts to a collection agency. (PMC is apparently the THIRD company to have this alleged debt)
Now I keep reading that people should say the debt is "stat barred" but I don't want to say that since we never owed any money to the company! That feels like I'm acknowledging something that isn't so.
What should people say who are being accused of debts that they never incurred but can't prove it?
Thanks,
( BTW my husband's name is one of the most common names in North America)
I would advise them to communicate only in writing with proof that you owe the debt. The responsibility is on them to prove you owe and not on you to prove you don't. Especially since they now own this debt, they should have a contract or something with your signature that shows you incurred this otherwise advise them to send you a letter stating they will close this account as you will not acknowledge this debt without their proof.
PMCI are driving my husband looney. He saw his credit report and the debt they claim isn't there. He even tried saying that it was "stat barred" and they sent him ANOTHER @#&@#@#@#@# letter. :angryfire:
The "debt" is well over a decade old. When he last talked to them, they sent him to a voicemail box and that's when he told them to stop calling. He doesn't know what to do to get them to stop harrassing us.
The "debt" is well over a decade old. When he last talked to them, they sent him to a voicemail box and that's when he told them to stop calling. He doesn't know what to do to get them to stop harrassing us.
PMCI contacted me with a letter yesterday about a really old debt. I don't want to acknowledge the debt because it is about to go off my credit report next year. I don't want to reset the last activity date and have to wait another six years. I actually don't have a problem paying, but I don't want a nasty credit rating for another 6 years!
Any advice? What are they able to do next? Are they allowed to call my employer or to seize a paycheck, or are they going to, at worse, just keep calling home?
Any help would be appreciated.
Any advice? What are they able to do next? Are they allowed to call my employer or to seize a paycheck, or are they going to, at worse, just keep calling home?
Any help would be appreciated.
PMCI contacted me with a letter yesterday about a really old debt. I don't want to acknowledge the debt because it is about to go off my credit report next year. I don't want to reset the last activity date and have to wait another six years. I actually don't have a problem paying, but I don't want a nasty credit rating for another 6 years!
Any advice? What are they able to do next? Are they allowed to call my employer or to seize a paycheck, or are they going to, at worse, just keep calling home?
Any help would be appreciated.
They can't do anything but harass you until they get a judgement against you. If you don't want them calling you, tell them to stop. They have to stop calling you if you ask them to. Just tell them that you will have no further communication with them except through a court of law.
They'll try a lot of things to intimidate and harass you. Just don't let them. Do not acknowledge the debt. Keep a log of their calls. Save the letters that they send you. And the moment they file a claim against you, file a counterclaim. If you're dealing with the same people that I'm dealing with, they won't even have the balls to show up in court.
In most cases, they haven't a hope in hell of winning in court. Usually they buy the debt after it has been inactive for so long that they won't be able to get a judgement anyway. So they really don't want to take you to court.
And definitely don't listen to tinydancer. A more appropriate name for tinydancer would be bigloser. The reason is self-evident.
In my particular case, Portfolio Management isn't going to get one red cent out of me. Even if they win at trial, I'm going to appeal the decision all the way to the Supreme Court if I have to. I'm not going to play ball with these bastards. And if I get my way, they're going to walk out of that trial owing me money.