[SupraTTturbo2jz]

..so i got a phone call this morning and they sasy i have a ticket for 173$ skytrain ticket back in 2005. the office that called me was CBV collections from vancouver. the dude said icbc issued me a ticket, when translink is the one that controls the transit right? has anyone had this issue before? he went on and on about how it might escalate and is definitely affect my credit, i just told him it hasn't done shit so far since im able to buy car etc.

[Supafly]

cbv collections will fuck you up...goodluck trying to renew your insurance next year or renew your DL.
stop being cheap and pay up.

[murd0c]

Don't respond or give them any info. He can't do anything else and being it is 6 yrs old you have one more year until its stats barred and they can't collect it or put it on your credit file.
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[SupraTTturbo2jz]

serious? have u dealt with them before

[Greenstoner]

fuck you up big time

[murd0c]

They only have 7 yrs to collect a debit with out a judgement. If they can't collect it there is nothing they can do to you. If you pay it off right now it will show on your credit file for 7 more years if it has been reported already
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[murd0c]

serious? have u dealt with them before

I worked there for 3yrs. They can't do shit to you.
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[El Bastardo]

I hope your license doesn't come up for renewal soon tho. I had the exact same situation happen. My license couldn't be renewed until I paid off the stupid ticket.

[SupraTTturbo2jz]

I worked there for 3yrs. They can't do shit to you.
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thanks for the info, it was odd and stupid how they are calling me after 6 years..hope this info is true

[SupraTTturbo2jz]

I hope your license doesn't come up for renewal soon tho. I had the exact same situation happen. My license couldn't be renewed until I paid off the stupid ticket.

i did go to get my class 5 but instead renewed my N. I am guessing that stupid ticket won't affect it since i was able to renew that and also option to upgrade class 5. I had speeding tickets before but thats all paid off for icbc.

[murd0c]

thanks for the info, it was odd and stupid how they are calling me after 6 years..hope this info is true

they will get 50% commissiong off of it so it's easy money for them. A lot of people don't realise that and will get scared and pay when actually it will do more harm then good.

That's like that with every bill. The debt is only active for 7 yrs of last payment and if there's no activity you don't have have to pay it. That's why when you go bankrupt the bad debts are showing on your credit file for 7 years.

[SupraTTturbo2jz]

they will get 50% commissiong off of it so it's easy money for them. A lot of people don't realise that and will get scared and pay when actually it will do more harm then good.

That's like that with every bill. The debt is only active for 7 yrs of last payment and if there's no activity you don't have have to pay it. That's why when you go bankrupt the bad debts are showing on your credit file for 7 years.


any other steps i should take other than ignore the calls if they call again? the guy calls me when im half asleep and said icbc and he only asked me to confirm my DOB so i was stupid to give him that but yeah told him ticket hasn't done anything to my credit so far so i hung up.

[murd0c]

any other steps i should take other than ignore the calls if they call again? the guy calls me when im half asleep and said icbc and he only asked me to confirm my DOB so i was stupid to give him that but yeah told him ticket hasn't done anything to my credit so far so i hung up.

Just ignore him and don't give him any info. Just tell him wrong number if if he calls with someone else around get them to answer the phone. They should stop calling after that.

[SupraTTturbo2jz]

Just ignore him and don't give him any info. Just tell him wrong number if if he calls with someone else around get them to answer the phone. They should stop calling after that.

alright colo i will try, thanks!

[fliptuner]

murd0c's advice is correct.

I have a friend who owns a collection agency and has been in the business forever and he gave me the exact same advice. IIRC after 7 years, you can tell them you know the alleged debt is stat barred and you're officially telling them to stop contacting you, get the agent's license # and tell them you'll report them to the governing body (forgot what they're called) if they continue to harass you. Make sure you keep note of all your interaction with the collection agency. As aggresive as they can be, they do have rules to go by and won't jeapordize their license over something so small.

Also +1 on if you pay it right now and it's been reported, it'll show up on your credit for 7 years, so just wait it out.

[TouringTeg]

What did you do to get a $173 skytrain ticket?

[Jayhall]

do you muster up the $2.50 now??

[JSilver]

I have the same issue but I'm getting calls from ARC Collections Agency.

[ruthless]

They only have 7 yrs to collect a debit with out a judgement. If they can't collect it there is nothing they can do to you. If you pay it off right now it will show on your credit file for 7 more years if it has been reported already
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is that for all creditors or just cbv collections?

[GLOW]

correct me if i'm wrong, but as far as i know collection agencies must not 'harass' you. if you contact them in writing or tell them that you no longer wish to have them contact you directly via phone, and to mail their correspondence to you, they can only reach you by letters, and not by phone.

if they continue to call you after that and you have proof you notified them, that's harassment and you can contact the police?

[CP.AR]

make sure they got the right person (do you remember being ticketed)
My girlfriend got a call from these guys in May 2010 saying she was ticketed in New Westminster for failure to provide a fare.

Well, since in May 2010 she was in Hong Kong we knew they screwed up already.
It turns out whoever issued the ticket put down "CHAN, C" as the ticketed, and somehow my girlfriend (which is also CHAN, C, like the 98724154 CHAN,Cs in Vancouver) was automatically called.

Even after we submitted proof of travel (plane tickets) they refused to give up, saying that IT MUST BE HER because they had her Driver's License number on record. They were extremely rude, not very patient, and resulted us calling Translink, ICBC and the VPD (for possible extortion and harrassment)

We eventually got a call back from them (after ICBC contacted the collections agency), saying that a mistake was made, and on the ticket the only thing that was written down was the highly ambiguous name, location, and amount fined. No mention of the DL number was ever even on the sheet. Guess what, not even an apology - they just hung up.

We though we were done with these fools before guess what. They called her back in a month's time (by this time it was already July) saying that if she still refuses to pay it may affect her credit history. Thankfully I was with my gf at the time so I just told them "guess what, if you refuse to cease calling my girlfriend again, it might affect the stability of your business since this issue has already been dealt with, and you guys got the wrong person - call again and it'll either be the VPD or ICBC calling you directly, so take your pick."

Never again did we get a call.
nosy fuckers.

[Psykopathik]

i really wonder if a bank wont give you a loan because of a $175 ticket.....

"Hmmm we can earn $15,000 in interest of them, but there's this matter of $175 10 years ago...." fuck you could say you lost your wallet and someone was posing as you.

[murd0c]

is that for all creditors or just cbv collections?

It has to do with all debit. All the info you need is in the debt collection act. If you want to make a complait you have to contact the Ministry of the attorney general, they are the board the governs the debt collection act for BC.

[Meowjin]

I have a 1700 dollar tuition debt from when I registered for school but ended up not going, without dropping my classes. It got sent to collections with CBV and it hurt my credit big time. To the point where I was overseas and had an emergency and couldnt get a credit extension on my CC. My question is the debt was in 07. Should I just wait it out or pay it?

The worst part is they wont even settle. They want it in full.

fuck it im going to fight this debt. I'm gonna ask to be sued.

[murd0c]

I have a 1700 dollar tuition debt from when I registered for school but ended up not going, without dropping my classes. It got sent to collections with CBV and it hurt my credit big time. To the point where I was overseas and had an emergency and couldnt get a credit extension on my CC. My question is the debt was in 07. Should I just wait it out or pay it?

The worst part is they wont even settle. They want it in full.

fuck it im going to fight this debt. I'm gonna ask to be sued.

Plain and simple PAY IT, you got the cash so why take advantage of the system. I personaly think they should go after debts like that. It drives me crazy when I see people abuse the system like that
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[hal0g0dv2]

They might Jason bourne your family
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[fliptuner]

Majin, in your case you should pay it. It's not worth the 5+ years of shit credit over $1700.

In my case the amount was negligible. I was unaware of the debt until I had a credit check done for something. It was worth it to wait a few months and have it stat barred then to pay it and have it show up on my record. By the time it went to CBV I couldn't pay the original company I owed it to.

[Meowjin]

Plain and simple PAY IT, you got the cash so why take advantage of the system. I personaly think they should go after debts like that. It drives me crazy when I see people abuse the system like that
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Abuse what? I dont think the debt was fair at all. I didn't pay for my classes and was expecting to drop out because I didn't pay.

[bing]

^It is your own responsibility to drop the classes manually. Someone else who may have needed the class couldn't get it because you held on to the spot. Some people don't pay for well-over the tuition dead-line, the system does not know if your still in the class, it assumes you are, and that you will be making a late payment (with interest). By the time they find out you aren't in the class, its too late for another person to sign up for the course.

[Vansterdam]

cbv is after me from health canada lol thing is my income wasent enough for that year and health canada screwed up and im not suppose to pay yet they fucked up and now CBV is after me preety gay

[twitchyzero]

^ i think i just lost 5 IQ points from reading that...


now i'm down to 65 :troll:

[CP.AR]

i think he's just smoking

[orange7]

Abuse what? I dont think the debt was fair at all. I didn't pay for my classes and was expecting to drop out because I didn't pay.


try contacting the school instead of the collection agency.

I sent you a pm.

[Spidey]

first of all it is DEBT NOT DEBIT. Secondly, you obviously deserved the ticket, and you purposely didn't pay it thinking you would not get caught since you THOUGHT it wouldn't affect ICBC. I don't know what to say except you have very little integrity and accountability.

[keifun]

same thing happened to me, but I was still able to renew my insurance.

I think its because its now out of ICBC's hands and is being dealt by a collections company.

Oh wells. Just like private company parking tickets. I never paid them, and my credit was never affected. After a few phone calls they just stopped.

[FerrariEnzo]

how many times can these collection companies put in your credit history? is it only once per collection or once every year???

[SupraTTturbo2jz]

is credit only affected if you get a loan or also ticket type stuff? dumbass is callin me early in morning and around 2-3 times a day. iuno the rules n regulations of what they can do.

[ImpactZ]

What happens if you are given a skytrain ticket without ID on you?

[fliptuner]

lie

[SupraTTturbo2jz]

lie

Realistically how many times a week are they allowed to call ya? I have a call 7:48am everymornin since march 11
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[JSilver]

What happens if you are given a skytrain ticket without ID on you?

They ask for your full name and address and radio it in.

[PornMaster]

Careful of some collection scams going on, some people just get scared of collections and pay it off not checking the company at all

[MindBomber]

Realistically how many times a week are they allowed to call ya? I have a call 7:48am everymornin since march 11
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Tomorrow morning tell them you do not wish to be contacted via phone and you would like all future contact to be made by mail; then tell them if they contact you by phone again you will be reporting them for harassement, as regulations prohibit them from not honoring your request.
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[Spartacus]

Aro Inc has been leaving me voice mails. I have 1 translink ticket but its not under my legal name nor do they have my drivers license number. Do these guys have power to hurt my credit score? The only info they have is my non-legal English name, address and phone number.
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[subordinate]

I can't really help you, other than, I heard translink is working with ICBC, in that if the bill isn't paid, you can't renew/get insurance.

Try and get the fine reduced? I think you lost your chance at disputing. Not sure if collectors will budge though, since the amount collected = commission and they know they have people hooked lined sinkered in paying.

[Spartacus]

Th funny thing is I went I ICBC to check if theres any fine under my driver license and there wasnt anything. No restrictions on renewing or anything. I didn't produce ID to the translink ticketer, and I gave him my English name which isn't my legal name on my ID's. I'm Just wondering if they can hurt my credit score with just name, address and number.
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[StylinRed]

Realistically how many times a week are they allowed to call ya? I have a call 7:48am everymornin since march 11
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iirc they're allowed to call 6days a week from 7am

cant recall if there's a limit on times a day


ah here read through this on what they're not allowed to do http://www.bclaws.ca/EPLibraries/bclaws_new/document/LOC/freeside/--%20B%20--/Business%20Practices%20and%20Consumer%20Protection %20Act%20SBC%202004%20c.%202/00_Act/04002_09.xml#part7

here's a simpler rundown http://www.consumerprotectionbc.ca/consumers-debt-collection/consumer-tips/241-debt-collection-knowing-your-rights-and-responsibilities

[SoNaRWaVe]

lol, you didn't give them your legal name yet you gave them your real address and and real phone number?

or simply pay the ticket and get it all over with since you admit to having that 1 ticket. i mean, you were caught red handed without paying the fare in the first place, and you gambled. you lost.

[Spartacus]

lol, you didn't give them your legal name yet you gave them your real address and and real phone number?



I instinctively gave them my English name when asked. I wasn't going to lie about it.

So what exactly is your point? :failed:

[Graeme S]

So if you weren't going to lie about it, why not just pay up?

[FerrariEnzo]

hasnt an issued came up before when you renewed your license? If it hasnt, then your home free....

[Spartacus]

So if you weren't going to lie about it, why not just pay up?


Probably the same reason why other people in this thread havent payed?

They felt like it was an unjustified ticket.
Posted via RS Mobile

[Graeme S]

Probably the same reason why other people in this thread havent payed?

They felt like it was an unjustified ticket.
Posted via RS Mobile
I wasn't asking about them, I was asking about you.

You didn't lie. You told them the truth (though not the entire truth). You are now being called by a collections agency because you told enough of a truth for them to find you. You admit that the fine was given to you for a correct (if not necessarily just) reason. You are now asking what damage can be done to you and your record, which kind of splashes cold water on the idea of you doing the right thing.

If you were planning on not paying, why not just go the whole nine yards and lie about everything?

[subordinate]

Unjust? Lol :facepalm:

Don't be like Camille now, just say I don't want to pay this f'in 250 dollar ticket.

That's a lot of money

[Alby]

Probably the same reason why other people in this thread havent payed?

They felt like it was an unjustified ticket.
Posted via RS Mobile

how is it an unjustified ticket? you know you were gonna go into a fare paid zone. you know that you needed proof of fare payment if checked. you know you need to pay to ride the system, but yet you decided NOT to and you got busted.

[Spartacus]

It was my first ticket being given by a translink police, I wasn't going to lie them and possibly face other charges if they had decided to further investigate my identification.

There's a difference between lying and refusing to pay. I just wanted to know if it could hurt my credit, and if it does then so be it.

[murd0c]

It was my first ticket being given by a translink police, I wasn't going to lie them and possibly face other charges if they had decided to further investigate my identification.

There's a difference between lying and refusing to pay. I just wanted to know if it could hurt my credit, and if it does then so be it.

it all depends if your Canadian name is linked to your credit file as well which is possible. Sometimes the AKA shows up but you never know till you contact equifax and request a copy.

[Graeme S]

It was my first ticket being given by a translink police, I wasn't going to lie them and possibly face other charges if they had decided to further investigate my identification.

There's a difference between lying and refusing to pay. I just wanted to know if it could hurt my credit, and if it does then so be it.
"Possibly face other charges if they had decided to further investigate my identification"?


What the fuck were you doing while you were on that train?

[Spartacus]

Lying to a police officer is a serious offense if you didn't know.

It's call obstruction of justice.
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[E-40six]

lol your logic makes no sense to me

you're bitching about an unjust ticket because you didn't pay the fare and then you gave them the wrong name because you're worried that they're gonna ding you for something else which leads to lying to a peace officer...

You're a bright one :fulloffuck:

[Spartacus]

lol your logic makes no sense to me

you're bitching about an unjust ticket because you didn't pay the fare and then you gave them the wrong name because you're worried that they're gonna ding you for something else which leads to lying to a peace officer...

You're a bright one :fulloffuck:


:suspicious:

What the fuck are you even talking about? Your reading comprehension is astonishing. Go read the thread again.


edit: My english name is still legal on my school ID / Citizenship card. Just not drivers license.

[E-40six]

:suspicious:

What the fuck are you even talking about? Your reading comprehension is astonishing. Go read the thread again.

Yeah, I did re-read your post cause your question was so idiotic.

let me sum up what I read

1. Collections calling you because you didnt pay your ticket from translink
(possibly for not paying your fare)

2. Asking if it effects your credit

3. Gave peace officer incorrect name knowingly it is against the law

is this right?

go pay your ticket like a big boy

[Spartacus]

You must be dumb as a rock. You're claiming my logic is flawed because i gave the officer a wrong name, which leads to me breaking the law anyhow.


And i'm telling you re-read cause I've stated numerous times already that ITS MY REAL ENGLISH name.

[Graeme S]

OK. So. Let's see if I can get this straight.

Get on skytrain without ticket. Get ticketed. Give English name, official name, but not the one on your DL. No way to connect your DL to the identity you gave. You checked to see if you had tickets against the name you had on your driver's license, but did not check the name you gave to the officer? Did not pay the outstanding ticket owing to your English name (which you had to this point ignored), and are now getting calls asking for payment on a ticket you didn't check for despite knowing that you didn't give them your driver's license.


IIRC under the common law system you're allowed to use any name you like for any purposes, as long as you are not perpetrating a fraud. It seems to me that willingly or not...this would count as fraud.

[E-40six]

You must be dumb as a rock. You're claiming my logic is flawed because i gave the officer a wrong name, which leads to me breaking the law anyhow.


And i'm telling you re-read cause I've stated numerous times already that ITS MY REAL ENGLISH name.

Call me any name you like, but at the end of this situation

I'm not the one with a ticket hovering over my head which could effect my credit rating :failed:

[SoNaRWaVe]

So if you weren't going to lie about it, why not just pay up?

^ that's exactly my point. Will thank you when I get to a computer.

EDIT: just FYI, http://www.vancouversun.com/news/metro/TransLink+uses+powers+chase+ticketed+fare+cheats/8092734/story.html For collections to be calling you for payment, I am going to take an educated guess that you are past the dispute date on the ticket. So the fine is now $273. You should have either disputed earlier, pay the ticket when it was issued, or now settle with collections. If you are willing to take the risk of possible future consequences, that is up to you. If you gave enough info for collections to get a hold of you, who knows what they can do with that info to possibly tie you to your credit score. And just to try and be nice here, I would suggest paying in cash if you are going to pay. Just because if you show up to pay your ticket, your ticket name may or may not match your credit card info. And we all know your credit card is definitely tied to your credit score, and we don't want that transaction popping up on there now, do we?.

[Spartacus]

OK. So. Let's see if I can get this straight.

Get on skytrain without ticket. Get ticketed. Give English name, official name, but not the one on your DL. No way to connect your DL to the identity you gave. You checked to see if you had tickets against the name you had on your driver's license, but did not check the name you gave to the officer? Did not pay the outstanding ticket owing to your English name (which you had to this point ignored), and are now getting calls asking for payment on a ticket you didn't check for despite knowing that you didn't give them your driver's license.


IIRC under the common law system you're allowed to use any name you like for any purposes, as long as you are not perpetrating a fraud. It seems to me that willingly or not...this would count as fraud.



Yeah, that's exactly what happened. I didn't ask about my English name at ICBC because they might link it to my drivers license if they found out. And since i don`t plan on paying it, why would i do that.

I don`t see it as fraud but I guess that's your opinion of the situation. Plenty of people have a legal english name and | or a foreign name, and i`m just one of the few that has their names in different IDs.

If they want to penalize people like me who don`t pay their tickets, they should specifically ask for the name on your drivers license which they didn`t do.