FREQUENTLY ASKED QUESTIONS

We aren’t; you entered into a financial agreement with someone, and haven’t fulfilled your end. CASL, the anti-spam law, makes an exception for this sort of communication.

From CASL:
Exception
(6) Paragraph (1)(a) does not apply to a commercial electronic message that solely
(b) facilitates, completes or confirms a commercial transaction that the person to whom the message is sent previously agreed to enter into with the person who sent the message or the person — if different — on whose behalf it is sent;

No. You need to contact Equifax and Transunion, the two companies in Canada that do credit reports.

While our office is located in Vernon, the accounts that come to our office come from all across BC and other parts of Canada.

Sorry, but no. Only debts that have already been sent to our office can receive a payment through us.

Per debt collection law, if we can’t locate you and have no good contact information, we are allowed to call friends, family, and employers to get your contact information. A very good reason to respond to us!

Per debt collection law, if we can’t locate you and have no good contact information, we are allowed to call friends, family, and employers to get your contact information.

Privacy laws in Canada protect your personal information from being casually handed out, and we can’t share your information to someone new without your permission.

Want us to talk to someone else on your behalf? Send us an email, give us a quick call or even leave a message after business hours, stating your name & file number, and say ‘I give permission for <Person’s Name> to discuss this account on my behalf.’ Due to privacy laws, we cannot, and will not, give out your personal information other than for credit reporting purposes or to the business that put your account into collections.

By agreeing to buy or use a service, you entered into a business relationship. That means you gave them permission to contact you, and to pursue payment if you don’t pay. We have been hired by these businesses to collect their money on their behalf, and to list any debts with Equifax and Transunion should they continue to be left unpaid.

Our legal name is the Credit Bureau of Vernon Ltd. A lot of people find this very confusing, since Vernon is very specific, but we deal with all of BC. To make things simpler, we operate as the BC Credit Bureau, just like our website name.

We are licensed to do collections through Consumer Protection BC.

Unless you ask us to call you back, we will not call you more than once a day. If you are receiving multiple calls in a day, you may have more than one collection agency calling you.

Most of the time, we get phone numbers already attached to an account. Sometimes that number is old, and now belongs to someone else. Sometimes people are listed as a reference or alternate contact person, and we call them to get a new phone number for the person the account belongs to. We also do something called ‘skip tracing’, where we attempt to find phone numbers associated with a specific name or address related to an account in our office.

The debt information in our office is sent to Equifax and Transunion, unless otherwise specified by our client. Only information related directly to the person who owes the debt is sent in. How we store your information is covered by our Privacy Policy.

No. We are sent accounts by our clients, on whose behalf we are calling you.

 BC Credit Bureau

Useful Information

To improve you debt situation, please consider contacting a licensed insolvency trustee such as BDO Canada.

For information about your credit report, you need to contact Equifax and Transunion, the two companies in Canada that create credit reports.

Government of Canada
Credit report and score basics
Financial Consumer Agency of Canada
Office of Consumer Affairs: Credit and Credit Repair