for anyone having problems here's what you do in you live in Ontario. for any other province or state, you have to look into your own law. look for: collections act; complaint against collections company, limitation period. Ontario residents:
you answer the call or call them back. you identify yourself and ask who they're trying to get in touch with. once they identify the person, if its not you they are trying to reach, and you know or are related to the person, you advise that you are the friend, family member, neighbour etc. advise them that according to the Collections Act of Ontario, as you have not guaranteed or co-signed a loan, they are only able to contact you to obtain the telephone number and address of the person who owes them money. you can then decide if you will give it or not (you don't have to). advise them, also, that according to the Collections Act, once they have asked for this information and they know that you are not the person they are seeking, they are not longer allowed to contact you. if they continue to do so, you will contact the Ministry of Consumer Affairs and launch a complaint, and you will contact the police since this can classify as harrassment. finally, tell them that you will commence a Small Claims Court action against Global (or whatever company is calling you).
sending a letter is a good idea if you are not the person nor know who they are calling about.
record all the times they call you and the times that you call them to advise of the above information.
These companies have bought out the loan from the company that was owed and will be aggressive about getting their money back. so be tough.
your rights: http://www.canlaw.com/credit/collect.htm
filing a complaint: http://www.sse.gov.on.ca/mcs/en/Pages/Complaint_Steps_to_File.aspx
Act (starting at section 20): http://www.e-laws.gov.on.ca/html/source/regs/english/2006/elaws_src_regs_r06103_e.htm
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