Consumer Proposal

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crossbow

  • Guest
Consumer Proposal
« on: August 20, 2012, 01:48:25 AM »
 After mu CP was accepted, I started my payments for over a year now, however , there is one creditor who accepted the proposal but is submitting negative reports monthly. They are stating that "it`s going to collections" which I have never heard anything from any collections - at any time. I`ve tried to call them and ask why they submitting these reports but can never get through to talk to anyone. The trustee I have doesn`t seem to be too helpful, they say to call them.
Any Ideas?

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Mac

  • Guest
Re: Consumer Proposal
« Reply #1 on: August 21, 2012, 02:38:39 PM »
Is it BMO ?

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crossbow

  • Guest
Re: Consumer Proposal
« Reply #2 on: August 21, 2012, 10:46:55 PM »
Hi Mac, no, not BMO, it was mastercard from Zellers.

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Mac

  • Guest
Re: Consumer Proposal
« Reply #3 on: September 04, 2012, 10:25:41 AM »
ok im in the same situation with BMO . it says my account is in collections but the note says consumer proposal. my problem is they are receiving payments on this account through the proposal but they arent recording them on the credit report

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crossbow

  • Guest
Re: Consumer Proposal
« Reply #4 on: September 04, 2012, 12:42:12 PM »
Hi Mac, I`m thinking there has to be some sort of regulation they have to follow once they accept, but I don`t know where to find it. As far as I can tell, they do as they please because they are not challenged by any one in authority. I asked my C/P Trustee about this and was told they have no right to do this, and I was to call them. I did but was told they didn`t know what I was talking about. They denied doing this. (I called the ph # listed with the C/P). If you get your credit report by snail mail, your not charged, and you can get the ph # from the submission they make. I makes it hard to get a job, as I was turned down X2 for my credit rating.
Lots of luck to you
Darcie 

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Average Joe Credit Repair

  • Guest
Re: Consumer Proposal
« Reply #5 on: April 29, 2013, 04:50:57 PM »
You should have received documents from when you entered into consumer proposal that has a list of all your creditors. To have your credit reports updated you need to contact Equifax and TransUnion and open up a dispute file with them.

 

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