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Difference between revisions of "Introduction to Debtors' Options (10:IV)"
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Introduction to Debtors' Options (10:IV) (view source)
Revision as of 22:58, 10 August 2022
, 22:58, 10 August 2022→C. Harassment by Debt Collectors
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== C. Harassment by Debt Collectors == | == C. Harassment by Debt Collectors == | ||
The ''Business Practices and Consumer Protection Act'', SBC 2004, | The ''Business Practices and Consumer Protection Act'', SBC 2004, c 2 [''BPCPA''] provides for the licensing and regulation of debt collectors, which is carried out by Consumer Protection BC. The statute provides that jurisdiction is determined by the location of the debtor. Under the statute, Consumer Protection BC has wide powers of investigation. | ||
=== 1. Unreasonable Collection Practices === | === 1. Unreasonable Collection Practices === | ||
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With the above information the debtor should contact Consumer Protection BC for the name of the complaints manager for the collection agency the debtor is dealing with. This complaints manager will work with the debtor to resolve the complaint, including disciplinary action, if appropriate. Their website is http://www.consumerprotectionbc.ca and includes resources regarding consumer and debtor rights, as well as dispute resolution. It also includes a form for registering a complaint with Consumer Protection BC. | With the above information the debtor should contact Consumer Protection BC for the name of the complaints manager for the collection agency the debtor is dealing with. This complaints manager will work with the debtor to resolve the complaint, including disciplinary action, if appropriate. Their website is http://www.consumerprotectionbc.ca and includes resources regarding consumer and debtor rights, as well as dispute resolution. It also includes a form for registering a complaint with Consumer Protection BC. | ||
Finally, if the debtor suffered damages or inconvenience as a result of the agency’s collection practices, a Small Claims action may be commenced (s 171, 172). | Finally, if the debtor suffered damages or inconvenience as a result of the agency’s collection practices, a Small Claims action may be commenced (s 171, 172). | ||
== D. Credit Reporting Agencies == | == D. Credit Reporting Agencies == | ||
