416-756-2096 / 4167562096

This phone number has been calling my mother cellphone from one phone number to another. They cant take no for answer. All they like to do is call and call nonstop. They call themselves Total Credit Recovery Limited.

They are a collection agency contracted by the Ontario government to collect outstanding OSAP loans, some going back 20+ years. My advice to people who had their loan issued prior to 2004 is don't bother speaking with them because you'll be speaking to a $12/hour phone agent with no authority. If your loan has been issued prior to 2004, the only thing they can do is try to collect and if you have any tax refunds or HST credits due to you, those will be applied to the debt until it's paid off. However, they cannot go to court UNLESS you make contact with them and start making payments again. Loans issued after 2004 are not stat barred. One tactic they use is if you make a payment arrangement, they will call you back the following month trying to get you to pay off the entire balance. Even if you pay off your loan in full through the collection agency, the collection note remains on your bureau for six years. So thread carefully because doing the "right thing" here may not necessarily work out in your favour, especially if it's a very old loan.

who is calling Normand ?

This number called saying her name was "Maxine" and wanted to discuss business with me. It's about student loans from 1999 - 2000 that I settled and paid off in 2010. I have no idea why they are all of a sudden are calling me again for loans from 18 years ago that were paid 8 years ago.

they call looking for somone else all the time we have told them that person no longer has this number and all they do is keep calling even offered to send them proof of some kind that the number has been changed they are constantly harassing me every 2 to 4 hours they phone !