Recent Posts

Pages: 1 ... 8 9 [10]
91
Consumer Proposals / Rev Can at it again
« Last post by Lost and Found on April 26, 2018, 12:34:20 AM »
Started Proposal in December 2015 and completed it with all paid off November 2016.  Did my provisional tax return and 2015 and Rev Can mistakenly said I owed them $11 k even though I had that written off during the CP.  Then came 2016 where I was supposed to get a return of a few thousand dollars.

According to the return my accountant submitted I was owed $3500 or thereabouts as it contains RRSP contributions however, Rev Can was sending me notices declaring I owed them $11000 for previous year of 2015. 

I called my trustee who told me they were out to lunch and they would get on it.  Nothing.  More notices and more calls to trustee and then more calls on my behalf to Rev Can.  A month ago I got the 'we gonna shut you down' notice from Rev Can with a phone number.  Gave it to trustee who call it, was the first the lady at Rev Can heard about a proposal so, she was sent a load of paperwork and now, here I am, just did my 2017 taxes and a refund yet again but no news from Rev Can and afraid that I will be once again chasing my tail with them.

I suppose I should be thankful that I only received one letter that was remotely threatening and have been left alone for the most part but sure wish I had my tax return from last year.  Anybody else ever have this problem?  If so, how long did it take for Rev Can to get their poo in order?
92
Consumer Proposals / Re: Refresh Financial Secured Visa
« Last post by Wetcoaster on April 22, 2018, 08:49:53 PM »
Hi, everyone. I just thought I'd share this with anyone in, or just out of a CP, and trying to rebuild their credit. I've seen a few posts about people being charged unreasonable annual fees for secured cards, and this one is much cheaper at only $12.95 per year, with a lower interest rate, to boot. Also, for anyone who feels a little self-conscious about whipping out well-known secured cards in front of people, this isn't very well-known, and looks pretty snazzy. No one would think it's a secured card. Just Google "Refresh Financial Visa".

Also, a little update on my progress. Both my TU and EQ scores are now at 750+ since being discharged from my CP, July, 2016. And I just got an Amex Simplycash (the no fee version) in the mail today with a $6400.00 CL! Time to ditch the Capital One Gold card! I'll be keeping my Walmart Rewards Mastercard, though, since it's the oldest on my credit file.

Stay positive, everyone!


Very good credit score for only that long out.  I am 16 months out after finishing our CP and am sitting in the mid 600's.

I have 2 Capital one cards and a CT M/C for a total of $9000 credit.

93
Consumer Proposals / Re: Car Lein and CP
« Last post by Wetcoaster on April 22, 2018, 08:46:47 PM »
Talk to your Trustee.

Not to be mean but I have no sympathy for you at all driving without insurance. 

I will stop before I say worse things.

94
Consumer Proposals / Car Lein and CP
« Last post by kkkarl403 on April 22, 2018, 08:31:11 PM »
I got into an accident with no insurance. After my debt piled up i filed and was accepted for a CP. Included in the proposal was the car.
Since the car was damaged they did not want to take the car and settle, so they accepted the CP. Now im stuck with a damaged vehicle i cant afford to fix and keep towing. What are my options? Once the CP is paid will the Lien come off? Can i sell it before the CP is paid? any help would be great.
95
Consumer Proposals / Buy real european passsport, driver's licence, id card online
« Last post by GoromJ on April 21, 2018, 10:58:24 AM »
Best quality real passports provider: w w w. buyrealpassport.cc
96
Consumer Proposals / Refresh Financial Secured Visa
« Last post by New Beginning on April 11, 2018, 01:38:47 AM »
Hi, everyone. I just thought I'd share this with anyone in, or just out of a CP, and trying to rebuild their credit. I've seen a few posts about people being charged unreasonable annual fees for secured cards, and this one is much cheaper at only $12.95 per year, with a lower interest rate, to boot. Also, for anyone who feels a little self-conscious about whipping out well-known secured cards in front of people, this isn't very well-known, and looks pretty snazzy. No one would think it's a secured card. Just Google "Refresh Financial Visa".

Also, a little update on my progress. Both my TU and EQ scores are now at 750+ since being discharged from my CP, July, 2016. And I just got an Amex Simplycash (the no fee version) in the mail today with a $6400.00 CL! Time to ditch the Capital One Gold card! I'll be keeping my Walmart Rewards Mastercard, though, since it's the oldest on my credit file.

Stay positive, everyone!
97
Consumer Proposals / Fake UK passports for sale
« Last post by GoromJ on April 10, 2018, 01:34:50 PM »
Best quality counterfeit documents online: w w w. buyrealpassport.cc
98
Consumer Proposals / Australian real documents online
« Last post by GoromJ on April 10, 2018, 07:50:13 AM »
Best quality counterfeit documents online: w w w. buyrealpassport.cc
99
Consumer Proposals / Re: Problem after CP
« Last post by Jennykk on April 01, 2018, 04:35:08 PM »
You mentioned agent. Did you work with a trustee or a debt management company?
The trustee should be able to help you with this as you paid them a fee as part of your proposal payment.
100
Consumer Proposals / Problem after CP
« Last post by Holie on March 31, 2018, 10:16:05 PM »
So, I'm here to relay a problem that I'm having after my completed CP.

This CP included all of my debt including my auto loan. This was all approved and my car debt was reduced significantly to 3000. However, I totally forgot that my husband co-signed for my car loan. No one pointed this out or even caught on before BMO agreed to reduce my debt. After everything was completed BMO contacted me and told me my debt was outstanding and that my husband was on the hook for the debt. I explained that this couldn't be the case because BMO agreed to the CP.
My agent that helped me said there was nothing they could do because the proposal was done and signed. They are trying to rework my proposal but they say the odds aren't in my favour. And the bank has been telling me that everything would be adjusted once I finished off paying my car in a year.
Okay. That ended up not being true as I still have 3000 dollars to pay to BMO through the proposal they agreed to. So not only are my husband and I paying off the outstanding car loan, I am on the hook for 3000 CP debt. they are getting an extra 3000 dollars!
This can't be right. But no matter which side I talk to either BMO or my agent, their hands are tied. I refuse to pay this extra money but I have no idea who to talk to to correct this mishap.
Please help.
Pages: 1 ... 8 9 [10]