If it's been over 6 years, it's stats barred and they have no recourse to ge the money back from you.
It it's been over 7 or 6 (depending on the province you live in) it will come off your credit bureau.
for the peeps that want collection agencies to stop calling them, send them a registered letter requesting that all further correspondence be in writting only. Be sure to include and address where they can mail you, otherwise they are allowed to call you to try and get one.
How can you not get approved for a pre-paid card? That blows my mind. I thought all you needed was an address and a bank account.
I'm really not intending to let it go unpaid. I want to make good on it. I also think if I'm a bit more aggressive and seek them out to pay, then go to my bank and set up a pre-paid credit card to start using, I can build myself back up out of the whole my young innocent naivety got me into a little bit quicker.
I mean, not having a credit card is BALLS. I can't even buy Tweetie 2 for my iPhone!
What kind of second rate citizen am I?
Someone here PMed me the info of a collections company that handles Citi Financial and Citi Bank stuff... and they had ZERO record of my name on file.
I would actually just let it go away... but two years ago I tried to set up one of those pre paid cards (let 1000 bucks sit in an account for 9 months) and they wouldn't even approve me for that!
WOULDN'T GIVE ME A PRE-PAID MC?!
How am I supposed to buy a house / condo and make babies with my future mate if I'm not a functioning member of society?!
Yeah pretty much.
Her contract said that early cancellation would incur a $20 per month charge for any remaining months on the contract (in her case 1 month) but then also stated it was $20/month remaining or $100 at a minimum. She ported to Rogers with maybe 2 weeks left in her Telus contract and she was expecting to pay $20 on her last bill but they stuck her with the $100 charge. Since she is a woman she flew off the handle at Telus claiming they lied and are ripping her off and has since declined to pay the $100 charge even though they've been quite insistent. I'm indifferent mostly (aside from the collection agency calls) but it has been quite an entertaining experience overall.
So Wind is coming up with a system where you get the phone heavily subsidized, but you have a few dollar financing option added onto your monthly bill to pay off the phone over time. If you cancel early, you simply need pay the remaining balance of the phone that has yet to be paid off. If and when Wind can become a serious player, this will be a game changer for the Canadian telecom industry.
So if it's not on my equifax I don't have to worry about it, or can they add it after the fact? It's not on there now (as it shouldn't be as I don't owe it)