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Old 06-19-2012, 01:50 AM   #1
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icbc account sent to collections?

so..recently i received a letter from NCO financial services "demanding for payment" because the "payment is seriously overdue". On the letter, all it says is my icbc account , creditor:ICBC fines section and amount due. Has anyone experienced this and why? I have a ticket on dispute still over a year ago that I know of. If i had a court date, I would have recieved something in the mail correct? At this point, what can I do? Should I call ICBC or the collections? There are no other fines that I am aware of. Thanks in advance

*updated
okay, so I've been browsing google and other people have had similar letters in the mail. Apparently the fine is for skytrain tickets for some people dating back to 2004. I never received any skytrain ticket in my life. Is there anything I can do to prove this? I did lose my wallet on the bus once a long time ago. Maybe someone impersonated me.

Will this effect credit for people that don't pay?

Also, found this article about them sending out letters and using "NCO financial services" to collect. Guess this solves my question for what its about.

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Last edited by SupraTTturbo2jz; 06-19-2012 at 03:53 AM.
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Old 06-19-2012, 01:53 AM   #2
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might be a parking ticket? on the letter it should say what the amount owed is for
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Old 06-19-2012, 01:54 AM   #3
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mm, not at all. It only says "ICBC FINES SECTION" 173.00$ and account number.
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Old 06-19-2012, 01:58 AM   #4
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Just give ICBC a call they can easily check that for you.
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Old 06-19-2012, 02:07 AM   #5
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Could be a collections scam. I don't see why ICBC would send your violations to collections because you HAVE to pay them when you renew your license, and for city parking tickets you have to pay when you renew your insurance.
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Old 06-19-2012, 02:19 AM   #6
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i dont think its scam, they have all my information and also my account number which is my license number i think. i gotta check. the collectors are legit cause I went by the office a long time ago.
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Old 06-19-2012, 02:30 AM   #7
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^what?
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Old 06-19-2012, 04:00 AM   #8
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i just got one in the mail too, dated back from 2006
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Old 06-19-2012, 06:42 AM   #9
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After 7 years it's considered stats barred if there has been no activity and you don't have to pay it at all. This is the last attempt to collect this money so don't respond or say anything and since it's been so long you don't even have to worry about it effecting your credit.
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Old 06-19-2012, 07:23 AM   #10
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^^ Not true. It's 7 years from the date the collections company get's the debt NOT 7 years from when the debt was incurred.

Believe me I know. They are trying to collect on a skytrain ticket from 03 for me. It's really fun answering the phone and calling the woman a stupid cunt every now and then

"Why are you swearing at me sir? You called me I can say whatever the fuck I want you stupid Cunt. Don't like it? Don't call me."

Oh and a side not my ticket is for 48$. I can easily pay it if I chose but now it's a matter of principle. The money goes to the government with 23% of the ticket going to the Collections Agent for payment. If they make 15$ an hour to do collections. I have already cost them the cost of the ticket with the amount of time they have spent on the phone with me as I randomly will answer the phone and then put them on hold and see how long they will wait for. "Hi I'm just on the other line will you hold please" Check back 3 mins later "Hi I'm really sorry I'm on with my boss but I shouldn't be to much longer thanks I really want to settle this" bhahahaha

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Old 06-19-2012, 07:25 AM   #11
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but isn't it true that one has to pay all outstanding ticket(s) before renewing his insurance or driver license?
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Old 06-19-2012, 07:32 AM   #12
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Tranklink Fines WERE not linked to ICBC and won't be until next year. At that time ICBC will have the power to go back 10 years to enforce unpaid fines.

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Old 06-19-2012, 07:39 AM   #13
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Berz its 7 years from last activity. so on credit cards it would be payment and on something like a ticket its when the ticket happened. I did collections for 4 years back in the day so trust me on this

It has nothing to do about when the collection agency gets the debt
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Old 06-19-2012, 08:04 AM   #14
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I called the office of Consumer Affairs and reported them for trying to collect on a debt that was past the 7 year statute of limitations and the Consumer Affairs people told me they were still allowed to collect as the debt wasn't past to them until now. Why is that?

You say last activity. Define Activity. Is "Activity" not when the debt is passed to collections?

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Old 06-19-2012, 08:10 AM   #15
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If you drive, you may want to pay them. The only way to make people pay them (as 1000s didn't) was to run them through ICBC. ICBC will not allow you to renew your vehicle insurance with any fines.....traffic tickets, outstanding tolls, and now transit tickets.

I was not aware I have $4 owing for the Golden Ears toll a couple years ago and I was not able to renew my insurance until that was resolved....it took 5 days to process as ICBC does not accept payment....I had to pay the toll people. It is a pain in the ass.

I imagine the same thing will happen with the transit tickets...ICBC will prevent you from renewing, but they will not accept payment.
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Old 06-19-2012, 08:13 AM   #16
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Quote:
Originally Posted by Berzerker View Post
I called the office of Consumer Affairs and reported them for trying to collect on a debt that was past the 7 year statute of limitations and the Consumer Affairs people told me they were still allowed to collect as the debt wasn't past to them until now. Why is that?

You say last activity. Define Activity. Is "Activity" not when the debt is passed to collections?

Berz out.
A credit company can still keep your account "revolving" even though there has not been any activity on it from your side regardless of how many years have gone by.

I have a Brick Card from 2000 that, not only have I tried to close, but has never had any activity on since 2000. It still show on my credit report every month.

Last edited by dinosaur; 06-19-2012 at 08:49 AM.
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Old 06-19-2012, 08:24 AM   #17
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A credit company can still keep your account "revolving" even thought there has not been any activity on it from your side regardless of how many years have gone by.

I have a Brick Card from 2000 that, not only have I tried to close, but has never had any activity on since 2000. It still show on my credit report every month.
This is what annoys me. How are they allowed to do this? The statute of limitations is there for a reason right? Why are they able to circumnavigate it to suit their own needs???

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Old 06-19-2012, 08:39 AM   #18
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Quote:
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I called the office of Consumer Affairs and reported them for trying to collect on a debt that was past the 7 year statute of limitations and the Consumer Affairs people told me they were still allowed to collect as the debt wasn't past to them until now. Why is that?

You say last activity. Define Activity. Is "Activity" not when the debt is passed to collections?

Berz out.
That would be your last activity on the account showing that you acknowledged the dept. such as Sending in a payment would be considered last activity.

Call the company that the dept is for and say that as per the debt collection act it has pssed the statue of limitations and they can no longer collect it and it as to be removed or you will contect the ministry of the attorny general and file a claim since they are breaking the rules of the debt collection at.

A lot of the collection agencys will just bs you cause they are making 50% commission on debts being so old. They are not allowed to report it to Equifax since it has passed the time line and there for they can't hold back your licence or insurance renewal and you can honestly sue them if they held it back.
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Old 06-19-2012, 08:43 AM   #19
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I did call and said exactly that. By you saying Acknowledging the Debt. What does that mean exactly. Does that mean when they call and say "Are you Adam? You owe 48$ to translink" I said. "If you say so" .... is that acknowledgement of debt?

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Old 06-19-2012, 08:46 AM   #20
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I did call and said exactly that. By you saying Acknowledging the Debt. What does that mean exactly. Does that mean when they call and say "Are you Adam? You owe 48$ to translink" I said. "If you say so" .... is that acknowledgement of debt?

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it has to be a payment or sending them a letter saying them to stop calling you. Speaking to them doesn't not say your aware of the debt or everyone would be screwed
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Old 06-19-2012, 08:54 AM   #21
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OP, call ICBC, call collections

Had the same thing happen to my girlfriend.
Collections told her it was for a ticket that she got in New Westminster during the summer of 2007.

2 problems:
1.) she never takes transit... nevermind to new west.
2.) she wasn't even in the country for the summer of 2007.

Eventually ICBC gave us an explanation - they dug out the original ticket to find that all it had in the name was "CHAN", no DL#, and only has a matching birthday (READ: BIRTHDAY, NO YEAR GIVEN). Collections kept calling us, we said the case has been closed with ICBC. Stilled harrassed my gf on the phone, I threatened to call the police. Never called again.

Pretty shady shit if you ask me.

pretty shady if you ask me...
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Old 06-19-2012, 09:54 AM   #22
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Quote:
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OP, call ICBC, call collections

Had the same thing happen to my girlfriend.
Collections told her it was for a ticket that she got in New Westminster during the summer of 2007.

2 problems:
1.) she never takes transit... nevermind to new west.
2.) she wasn't even in the country for the summer of 2007.

Eventually ICBC gave us an explanation - they dug out the original ticket to find that all it had in the name was "CHAN", no DL#, and only has a matching birthday (READ: BIRTHDAY, NO YEAR GIVEN). Collections kept calling us, we said the case has been closed with ICBC. Stilled harrassed my gf on the phone, I threatened to call the police. Never called again.

Pretty shady shit if you ask me.

pretty shady if you ask me...
WTF? I would think there are dozens if not hundreds of Chans with the same birthday in the Lower Mainland.
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Old 06-19-2012, 10:14 AM   #23
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^ugh...is it ever any wonder why people hate ICBC!?
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Old 06-19-2012, 11:38 AM   #24
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Quote:
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You say last activity. Define Activity. Is "Activity" not when the debt is passed to collections?

Berz out.
Activity, as in the last time you acknowledged the debt or recieved the fine (ie. made a payment)
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Old 06-19-2012, 12:07 PM   #25
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I got the ticket in 03. How are they calling me still?

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