(905) 715-7399

This collect agency misleads, and breaks rules put forth to protect consumers in Ontario.  I would suggest googling how to file a formal complaint a***nst them with the ministry.  That will get their attention not to harass you. I SUGGEST EACH AND ONE OF YOU TO FILE A FORMAL COMPLAINT A***NST THIS COMPANY.  Their illegal actions will sooner than later catch up with them.  Just Google "Formal complaint Collection Ontario" and follow the links.

I was just called from CCL Financial I suppose it is in regards to the debt that I have with Citi Financial that I have with them. I fell into hard times being laid off from an Ontario manufacturing job so couldn't give them a payment for sometime like 6 months, sorry for my luck but I wasn't the only one without employment so don't cry for me. I got back working fulltime in Oct. 09 and s****ed paying citi-fin. back but since I was behind I wasn't paying the past due loan amount I was just paying the account balance. They (citi) kept phoning me almost everyday for the last 9 or so months I never phoned them back because I knew what they were going to say give us more money and I was paying them back diligently every month what I could afford. They still called and called until last month around Aug.12th where the calls stopped completely. I guess they couldn't be happy with the payment I was giving them they had to get the dogs after me I calculate I would be fully paid up in less than a year but that was too long for them. My balance is only $532.68 if CCL thinks that they are going to get more than what I was giving Citi than they are dreaming. F-EM! I'm living barely paycheck to paycheck so anything more would cause me undo stress and hardship. They better not expect the full amount payment cause that wont happen. I wont jeopardize my living arrangements just for $532.68 as I said before F-EM!Thank you for hearing my story

I kept getting called by these guys for months looking for a cheryl and that's not who I am at all. I never answered because I was working and didn't feel the need to call back some number I don't know. I've answered before telling them that's not me and they have the wrong number yet they continued to call. I let it go for weeks and decided to answer a***n. Except this time some very rude girl tried to tell me that I have to pay their long distance charges for not calling back and letting them know saying its common courtisy to call them back and let them know. Can she do that?

THESE ****S THAT WORK AT CCL WERE THE LOSERS IN SCHOOL THAT WERE PICKED ON AND NOW THINK AND I REPEAT THINK THEY ARE SOMEONE NOW BECAUSE THEY GET TO MAKE ****** THREATS AND YELLING AT PEOPLE OVER THE PHONE....WHAT GOES AROUND COMES AROUND AND YOU WILL GET YOURS JUST FOR THE WAY YOU TREAT PEOPLE FACING HARD TIMES.....

THIS ****S THAT WORK AT CCL WERE THE LOSERS IN SCHOOL THAT WERE PICKED ON AND NOW THINK AND I REPEAT THINK THEY ARE SOMEONE NOW BECAUSE THEY GET TO MAKE ****** THREATS AND YELLING AT PEOPLE OVER THE PHONE....WHAT GOES AROUND COMES AROUND AND YOU WILL GET YOURS JUST FOR THE WAY YOU TREAT PEOPLE FACING HARD TIMES.....

Ah, collection agents. JK is obviously some sort of apologist who has a vested interest, either as an employee or financial schill. True, one is legally obliged to repay debts unless declared insolvent. However, there is a set of very specific guidelines and regulations collectors are required to abide by. Generally, most, if not all, collection agencies will skirt these rules to effect a positive outcome on their file. They do this because generally they rely on the ignorance of their debtors to not know any better. Every province and territory in Ca***a has similar rules regarding the limitations of a collection agent. I suggest anyone who is in collections consult their local agency and understand - and exercise - their rights. JK, your drivel and general hateful and spiteful at***ude is why most people hate collection agents, literally the buzzards and vultures of the financial industry. And while you talk of why people are trying to "beat the system", isn't that what virtually all of the financiers are doing with their gov't bail outs, bonuses and predatory lending practices? Truth be told, the banking racket is simply a rigged shell game that always favours the house. What they are doing is quite literally fraud: lending money they don't have at a profit. If every TD customer, for instance, decided to close their accounts and portfolios all at the same time, TD would simply not be able to pony up. And they'd just shrug and blame derivatives, credit synergies, liquidity vs. paper****ets, etc...which, in essence, is bu***hit. They never had the money - just said they did in theory based on the previous clients' "theoretical"****ets. When banks can't pay, it's called a "cr****" and they need us, the taxpayers, to bail them out. When an individual can't pay, they're called "deadbeats"....but have no option of a bail out, or a performance bonus in the millions for failed performance. It's time we did what the English did in the twelfth century...

oh and by the way the "debtor" your refering to is yourself. the Creditor is the lendor. wow your a genius

cuz your a deadbeat

thats funny. that letter wouldnt stand within civil court. and in the long run its your credit your destroying. in other words people who borrow money and dont pay it back are theives. you dont like collection calls? picture if someone borrowed 10k from you and then they just decided not to pay it back....what do you do then? call every day? "harrass" them? or try to come to an agreement to get your funds back. thats what collection agencies are trying to accomplish. so picture if the situation was flipped. i know your going to come back with your "smarts" but bottom line if you sign a cardholders agreement your liable. stop trying to find ways to beat the system. you crook

Today you find out that the banks, credit card companies have no $ to lend.  This country is bankrupt (insolvent).  Only the people are solvent..and the post office UPU (Universal Postal Union). The loan comes from your signature for THE PROMISE TO PAY.  YOU ARE THE CREDIT GRANTOR! AND YOUR NAME IN UPPER LOWER CASE IS A CORPORATION. You are the "Authorized Representative (the man/woman who signs for the corporation which is your all caps name -the gov turned your name into a corporation - thus never identify yourself as that name its a business!.  YOU  the Authorized Representative IS  also THE BENEFICIARY.  All promisees to pay (what we call money = all cash purchases over $50 and all debits, mortgages, loans of any kind). Its all about securities  (TRUSTS). STUDY the SECURITY EXC****E ACT. Don't ignore the collection agencies, but dont pay the crooks either.  You must s**** to close excrow on all accounts with the CRA by filing the T5008 and T5 for each account (Including welfare.  Note you are doing biz with the name of the corporation on the welfare check not the community and family services). You can go back three years on all accounts AND GET A REFUND FROM CRA.  Ca***ians in commerce is a website with an excellent blog on the full process. nOTE SEND THE TAX FILINGS REGISTERED MAIL ALWAYS.  First call 1800 959-8281 and ask for your a BN (business number) and an RZ Account for that BN(without it you cannot file the T5's effective Jan 1 2010).  The RZ account is for the SIN# (OPENS A PRIVATE SIDE TO THE CORPORATION ACCOUNT - because the corp cannot be the beneficiary- only a private individual can) .  It must be recorded as "sole proprietorship", "Individual".   A SECURITY includes a DEBT OBLIGATION so when CRA asks if you are dealing in securities the answer is YES!  The T5008 reports your all caps name and SIN (box 12) as the beneficiary...then the individual get the refund because the individual =GRANTOR, SETTLOR, ORIGINATOR of the funds. ALWAYS REMEMBER YOU CANNOT PAY A DEBT WITH A DEBT.  A DEBT=A PROMISE TO PAY=WHAT YOU THINK IS MONEY( is not backed by goldd and silver just ask the bank). **** collection agencies letter here:WITHOUT PREJUDICE[put date]William D. Smithdoing business as: President, including all****ets, heirs, and****ignsc/o Contact Resource Services Inc2395 Speakman Drive Suite 2200Mississauga, ONL5K 1B3[put your name]                Registered Mail No.: ???????????CA[address]Trenton, Ontario[postal code]                                                       NOTICE OF ADVERSE CLAIM                                         NOTICE TO PRIN****L IS NOTICE TO AGENT                                         NOTICE TO AGENT IS NOTICE TO PRIN****LIn response to your communication dated ?, 2010, this communication is subject to the Securities Transfer Act, 2006, S.O. c. 8.Contact Resource Services Inc. does not have the consent of [your name in all capas], written or implied to acquire control of any securities in said name, subject to: 2006, c. 8, s. 27 (1), and [your name upper and lower case], the authorized representative, Reserves All Rights subject to the Securities Transfer Act, 2006, c. 8,, s. 105(1).Further, Contact Resource Services Inc. must answer the following questions, under the penalty of perjury, within 10 business days in order to determine the possible involvement “in collusion”, and to determine the security en***lement and control of the security in question, or therefore must cease to contact [your name all caps] or to report a debt collection for the Account No.: ????????/, with all credit bureaus, including Equifax Ca***a Inc. and TransUnion of Ca***a Inc.:1.    Does Contact Resource Services Inc. have control of the financial****ets in the MBNA CA***A BANK Account No.: ????2.    Does Contact Resource Services Inc. physically hold the financial****ets in the MBNA CA***A BANK Account No.: ???????? 3.    Is Contact Resource Services Inc. making a claim with genuine and authorized signatures in it’s do***ents of proof of claim?4.    Is Contact Resource Services Inc. in any breach of the warranties of the guarantor?5.    Is Contact Resource Services Inc. with the knowledge of or in the possession of the copies of the T5008 and T5 slips delivered by Eulalee Davidson, the authorized representative, to MBNA CA***A BANK and to the Ca***a Revenue Agency?6.    Is Contact Resource Services Inc. with the knowledge that [all caps name] filed the taxes (including the T5008 and T5 slips for the above account) for 2009 with the Ca***a Revenue Agency requesting the settlement and closure  OF THE ORIGINAL ISSUE, and returning the funds to the source in the mentioned account?7.    Is Contact Resource Services Inc. in the possession of the original contract for the above account?8.    Is Contact Resource Services Inc. the en***lement holder, subject to the Securities Transfer Act, 2006, S.O. c. 8?9.    Is Contact Resource Services Inc. the protected purchaser subject to the Securities Transfer Act, 2006, S.O. c. 8?10.    Does Contact Resource Services Inc. have any bills of exc****e or promisory notes endorsed by [your upper lower case name], the authorized representative in it’s securities accounts?11.    Has Contact Resource Services Inc. reported a debt/debt collection on the credit files of the person [your all caps name]?12.    Does Contact Resource Services Inc. have the right to report an unpaid debt/debt collection on the credit files of the person [your all caps name]?The tacit agreement to this communication is the legal and lawful claim of all rights for and by [your all caps name]/[your upper lower case name].  CONTACT RESOURCE SERVICES INC. must reply via Ca***a Post registered mail. Further action may be taken (including the commercial lien process) in the recoupment for damages if this NOTICE OF ADVERSE CLAIM is not enforced by William D. Smith doing business as: President, including all****ets, heirs, and****igns c/o Contact Resource Services Inc.Govern yourselves accordingly,______________________________________[your upper lower case name], Authorized representative, All rights ReservedEndorsed charging instrument enclosed. [AFV their dumb a** bill/letter...google how...AFV means accept for value...don't dispute people...accept and pay with the signature or you accept the debt by disputing thats just the crazy rules!]Cc: Ca***a Revenue Agency

Today you find out that the banks, credit card companies have no $ to lend.  This country is bankrupt (insolvent).  Only the people are solvent..and the post office UPU (Universal Postal Union). The loan comes from your signature for THE PROMISE TO PAY.  YOU ARE THE CREDIT GRANTOR! AND YOUR NAME IN UPPER LOWER CASE IS A CORPORATION. You are the "Authorized Representative (the man/woman who signs for the corporation which is your all caps name -the gov turned your name into a corporation - thus never identify yourself as that name its a business!.  YOU  the Authorized Representative IS  also THE BENEFICIARY.  All promisees to pay (what we call money = all cash purchases over $50 and all debits, mortgages, loans of any kind). Its all about securities  (TRUSTS). STUDY the SECURITY EXC****E ACT. Don't ignore the collection agencies, but dont pay the crooks either.  You must s**** to close excrow on all accounts with the CRA by filing the T5008 and T5 for each account (Including welfare.  Note you are doing biz with the name of the corporation on the welfare check not the community and family services). You can go back three years on all accounts AND GET A REFUND FROM CRA.  Ca***ians in commerce is a website with an excellent blog on the full process. nOTE SEND THE TAX FILINGS REGISTERED MAIL ALWAYS.  First call 1800 959-8281 and ask for your a BN (business number) and an RZ Account for that BN(without it you cannot file the T5's effective Jan 1 2010).  The RZ account is for the SIN# (OPENS A PRIVATE SIDE TO THE CORPORATION ACCOUNT - because the corp cannot be the beneficiary- only a private individual can) .  It must be recorded as "sole proprietorship", "Individual".   A SECURITY includes a DEBT OBLIGATION so when CRA asks if you are dealing in securities the answer is YES!  The T5008 reports your all caps name and SIN (box 12) as the beneficiary...then the individual get the refund because the individual =GRANTOR, SETTLOR, ORIGINATOR of the funds. ALWAYS REMEMBER YOU CANNOT PAY A DEBT WITH A DEBT.  A DEBT=A PROMISE TO PAY=WHAT YOU THINK IS MONEY( is not backed by goldd and silver just ask the bank). **** collection agencies letter here:WITHOUT PREJUDICE[put date]William D. Smithdoing business as: President, including all****ets, heirs, and****ignsc/o Contact Resource Services Inc2395 Speakman Drive Suite 2200Mississauga, ONL5K 1B3[put your name]                Registered Mail No.: ???????????CA[address]Trenton, Ontario[postal code]                                                       NOTICE OF ADVERSE CLAIM                                         NOTICE TO PRIN****L IS NOTICE TO AGENT                                         NOTICE TO AGENT IS NOTICE TO PRIN****LIn response to your communication dated ?, 2010, this communication is subject to the Securities Transfer Act, 2006, S.O. c. 8.Contact Resource Services Inc. does not have the consent of [your name in all capas], written or implied to acquire control of any securities in said name, subject to: 2006, c. 8, s. 27 (1), and [your name upper and lower case], the authorized representative, Reserves All Rights subject to the Securities Transfer Act, 2006, c. 8,, s. 105(1).Further, Contact Resource Services Inc. must answer the following questions, under the penalty of perjury, within 10 business days in order to determine the possible involvement “in collusion”, and to determine the security en***lement and control of the security in question, or therefore must cease to contact [your name all caps] or to report a debt collection for the Account No.: ????????/, with all credit bureaus, including Equifax Ca***a Inc. and TransUnion of Ca***a Inc.:1.    Does Contact Resource Services Inc. have control of the financial****ets in the MBNA CA***A BANK Account No.: ????2.    Does Contact Resource Services Inc. physically hold the financial****ets in the MBNA CA***A BANK Account No.: ???????? 3.    Is Contact Resource Services Inc. making a claim with genuine and authorized signatures in it’s do***ents of proof of claim?4.    Is Contact Resource Services Inc. in any breach of the warranties of the guarantor?5.    Is Contact Resource Services Inc. with the knowledge of or in the possession of the copies of the T5008 and T5 slips delivered by Eulalee Davidson, the authorized representative, to MBNA CA***A BANK and to the Ca***a Revenue Agency?6.    Is Contact Resource Services Inc. with the knowledge that [all caps name] filed the taxes (including the T5008 and T5 slips for the above account) for 2009 with the Ca***a Revenue Agency requesting the settlement and closure  OF THE ORIGINAL ISSUE, and returning the funds to the source in the mentioned account?7.    Is Contact Resource Services Inc. in the possession of the original contract for the above account?8.    Is Contact Resource Services Inc. the en***lement holder, subject to the Securities Transfer Act, 2006, S.O. c. 8?9.    Is Contact Resource Services Inc. the protected purchaser subject to the Securities Transfer Act, 2006, S.O. c. 8?10.    Does Contact Resource Services Inc. have any bills of exc****e or promisory notes endorsed by [your upper lower case name], the authorized representative in it’s securities accounts?11.    Has Contact Resource Services Inc. reported a debt/debt collection on the credit files of the person [your all caps name]?12.    Does Contact Resource Services Inc. have the right to report an unpaid debt/debt collection on the credit files of the person [your all caps name]?The tacit agreement to this communication is the legal and lawful claim of all rights for and by [your all caps name]/[your upper lower case name].  CONTACT RESOURCE SERVICES INC. must reply via Ca***a Post registered mail. Further action may be taken (including the commercial lien process) in the recoupment for damages if this NOTICE OF ADVERSE CLAIM is not enforced by William D. Smith doing business as: President, including all****ets, heirs, and****igns c/o Contact Resource Services Inc.Govern yourselves accordingly,______________________________________[your upper lower case name], Authorized representative, All rights ReservedEndorsed charging instrument enclosed. [AFV their dumb a** bill/letter...google how...AFV means accept for value...don't dispute people...accept and pay with the signature or you accept the debt by disputing thats just the crazy rules!]Cc: Ca***a Revenue Agency

YEAH, GREAT INFORMATION TO BE A PROFESSIONAL DEADBEAT. BE AN ADULT AND TAKE CARE OF YOUR RESPONSIBILITIES!

ACTUALLY ITS C-C-L AND PREFERED CREDIT RESOURCES

Contrary to what "Debtor" advises, DO NOT CALL them back if you are the debtor.  Communicate solely through written form, registered letters, fax, etc., and tell them not to contact you any other way but via Ca***a Post.  Formally dispute the debt and ask for back up information because oftentimes they do NOT give adequate information as to who the original creditor was. Arrogant people like Debtor aren't used to thinking outside of their small minds to know that many people who find themselves on the receiving end of these vultures are there because they've lost their jobs, have become ill, or have suffered other serious personal losses that were unforeseen. They've lost the ability to service all of their debt as a result of serious financial setback that is often not of their own fault.  There is absolutely no truth in the myth these small-minders like to spew that all people being harrassed by collection agencies are there because THEY'VE been irresponsible with their money.  I am being harrassed by these people looking for someone with my same surname and despite telling them (yes, I DID call back) on 3 occasions to cease calling my house 3 times a day looking for someone I don't know and am not related to, yet I still am getting calls!  If they harrass you, people, inform them in writing via registered mail of your wish for them to cease contacting you by phone and let them know that if they do not do so, you will initiate a complaint with the Ontario provincial government. It's the ONLY way to deal with these scurges - do NOT speak to them.

I CAN CONFIRM WITH YOU ALL THAT THIS NUMBER IS LISTED TO CCL FINANCIAL FORMERLY COLLECT CA***A LTD, THEY ARE A LEGITIMATE COLLECTION AGENCY BASED OUT OF ONTARIO, IF YOU DON'T WANT THE CALLS I SUGGEST YOU PEOPLE TAKE RESPONSIBILITY FOR YOU DEBTS AND PAY THEM RATHER THAN SETTING UP A BLOCKED CALL LIST WITH YOUR SERVICE PROVIDER, OR IF THEY ARE CALLING YOU IN ERROR, CALL THEM BACK AND LET THEM KNOW OTHERWISE THE DIALER SYSTEM THAT THEY USE WILL CONTINUE TO CALL YOU...

i got the call a***n,if you dotn want them to call a***n you can have a blocked call list added to your phone,it will cost you 6.95 a month,thos but its worth it,

i got a call,but wastn home,dont have a clue as to why they would be calling me

this is a collection agency, using the initials PCL and based in Ontario. I get calls from a female who talks like she has a Kleenex over her mouthpiece. The message is barely audible, she gives her first name and a toll-free number and file number for callback later.I haven't returned this call.

this is a collection agency.  they call and leave threatening messages.  for those who dont know, in ontario ca***a if your debt is older than two since you've acknowledged the debt in writing or made a payment on the debt, they can't do anything about collecting it other than keep calling and bugging you.  by the time its made it to this number that's calling, the debt has been reduced to pennies on the dollar, if that.  that's not to say you shouldn't pay your debts.  just fyi

They are calling us since September 2007 about some credit we have on a credit card we never issued. Does anybody know anything about this company?