Last week a Saskatchewan-based debt settlement firm, Canadian Customer Debt Relief Inc. (CCDR), cancelled its contracts with its Ontario clients. This means that there are a number of former clients of CCDR in Ontario without a debt settlement service provider. Tomorrow I have a phone call scheduled with one such “orphan” debt settlement client.
It would appear that Saskatchewan-based debt settlement provider Canadian Customer Debt Relief (CCDR), has sent a letter to its Ontario clients in late January cancelling their debt settlement service contracts leaving clients without a debt settlement service provider.
CCDR cancelling debt settlement agreements with Ontario clients
Today I received a phone call from an Ontario resident–who wished to remain anonymous–who described himself as a debt settlement client of CCDR living in Roseneath, Ontario. According to this individual, he received a letter dated January 28, 2016, from CCDR informing him that CCDR was cancelling its debt settlement contract with him.
This letter dated January 28, 2016, from Saskatchewan-based Canadian Customer Debt Relief (CCDR) informs one of its clients, a resident of Roseneath, Ontario, that the firm is no longer providing debt settlement services to the residents of Ontario. Some information has been “whited out” on this document to protect the identity of the recipient of this letter. This page is one of three pages of correspondence from CCDR sent to a client living in Roseneath, Ontario. The other two pages can be found at the bottom of this post.
Why did CCDR cancel its debt settlement contracts with Ontario clients?
According to the January 28, 2016, letter from CCDR addressed to one of its Ontario clients changes to Ontario’s debt settlement laws that came into effect in September of 2015 were instrumental in CCDR’s decision to cease providing debt settlement services to Ontario residents.
What I find odd about this statement is that there were no changes to the law in Ontario regulating debt settlement firms in September of 2015. If CCDR ceased offering debt settlement services to Ontario residents in January of 2016 then what was the reason for this decision? It is important to appreciate the fact that not only did CCDR stop taking on new clients in January of this year but also in 2016 it was issuing refunds to Ontario clients.
What I also find odd about this statement is that–according to my confidential source–it was “business as usual” with CCDR’s Ontario clients as late as October of 2015. This leads me to conclude that something incredibly important happend sometime between October of 2015 and January of 2016 to motivate CCDR to cease providing debt settlement services to Ontario residents.
CCDR’s failure to satisfy Ontario-based staffing requirements
I suspect that the real reason for CCDR’s cessation of operations in Ontario is its refusal to comply with the requirement in the Ontario Collection and Debt Settlement Services Act that its debt negotiator(s)–negotiating settlements on behalf of Ontario clients–work on the premises of its Ontario office. I wrote about this issue in a post on this blog on August 2, 2015. Furthermore, in August of 2015 I made a formal complaint to the Ontario Government stating that it would appear that CCDR was contravening Ontario’s Collection and Debt Settlement Services Act because it did not employ any collectors licensed under the Act that worked on the premises of its Ontario office situated at 55 King Street West in Kitchener, Ontario.
I suspect that within a few months of my June 2015 complaint that the Ontario Government was putting some pressure on CCDR to either hire a full-time collector licensed under the Ontario Collection and Debt Settlement Services Act to work on-site at its Kitchener, Office or wind up its Ontario debt settlement operations.
Strong response from CCDR owner Greg Roberts
My August 2nd blog post attracted a strong reaction from Greg Roberts, one of the owners of CCDR. Mr. Roberts added the following comment at the end of one of my two LinkedIn posts published in June of 2015.
Greg Roberts, one of the owners of Saskatchewan-based CCDR, posted this Comment at the end of one of my two LInkedIn posts about CCDR in June of 2015.
Contact me if you have any information regarding CCDR’s activities in Ontario
I would invite anyone with information regarding CCDR’s actities in Ontario to contact me. You are welcome to call me at 1 (866) 966-9941 or (519) 827-5513. Alternatively, you are welcome to e-mail me at (519) 827-5513. In particular, I would ask any Ontario resident who was a former client of Canadian Customer Debt Relief (CCDR) to contact me
You are invited to contact me if you have any information regarding the activities of Canadian Customer Debt Relief in Ontario.
Documents dated January 28, 2016, sent by CCDR to an Ontario client
According to an anonymous source, Canadian Customer Debt Relief (CCDR), sent its Ontario clients three pages of correspondence in late January in connection with the firm’s decision to cancel their existing debt settlement services contract. A redacted copy of one such letter can be found below. Any information which can identify the Ontario client of CCDR has been whited out to protect the individual’s identity.