About seven months ago I wrote two posts regarding a Toronto-based debt settlement firm, Complete Debt Solutions. This firm had a website, www.completedebtsolutions.ca, offering debt settlement services to Canadians, Americans, as well as residents of the United Kingdom. At that time Complete Debt Solutions appeared to be contravening Ontario’s debt settlement law and I made a formal complaint to the Ontario Government concerning this firm. Now seven months after I made my formal complaint to the Ontario Government Complete Debt Solutions may be facing some tough questions from Ontario regulators.
The homepage for the firm’s website, www.completedebtsolutions.ca is reproduced below.
More than seven months after I made a formal complaint to the Ontario Government concerning Complete Debt Solutions, a Toronto-based debt settlement firm which is contravening Ontario law, the firm’s website, www.completedebtsolutions.ca, is still up.
I wrote two posts about this firm. The first post, dated June 22, 2015, was titled “Complete Debt Solutions Operating in Canada Illegally?”. The second post, dated July 19, 2015, 2015, was titled “Complete Debt Solutions and the smoking gun“.
In my first post dated June 22nd I shared with readers that I made a formal complaint to the Ontario Government concerning what appeared to be a Toronto-based firm offering debt settlement services to Ontario residents in the absence of possessing the required license–an Ontario collection agency license–or being exempt from this requirement.
In my second post, dated July 19, 2015, I reproduced a copy of a debt settlement agreement that Mr. Milton Kaseke of Complete Debt Solutions sent to a prospective client. You can find a copy of this document at the end of my July 19, 2015 post. This document would appear to be evidence of multiple contraventions of a variety of provisions under the Ontario Collection and Debt Settlement Services Act. One of the most troublesome provisions of this agreement were the up-front fees Complete Debt Solutions would be charging the prospective client.
In January of this year I received an e-mail from an Investigator with the Investigations Unit of the Consumer Protection Branch, Ontario Ministry of Government and Consumer Services, advising me that he had been assigned the file with respect to my complaint involving Complete Debt Solutions. I subsequently spoke with the Investigator on the phone and he arranged to meet me at my residence on January 22, 2016. On that date I made a sworn statement in connection with my complaint.
I am pleased to learn that after going through the time and trouble of making a complaint against a firm that would appear to be clearly operating in contravention of the Ontario Collection and Debt Settlement Services Act that the Ontario Government has assigned an Investigator to the file. I am disappointed however, that it took the Ontario Government more than six months to assign an Investigator to a complaint which involves a straightforward violation of the Ontario Collection and Debt Settlement Services Act.
In Ontario any firm offering debt settlement services to the public must either possess the necessary license or be exempt from the requirement of having a license. In June of 2015 Complete Debt Solutions did not possess an Ontario collection agency license nor was it exempt from doing so. To the best of my knowledge, today–seven months after I made my formal complaint concerning Complete Debt Solutions–the firm does not possess the necessary license nor is it exempt from the Act. I do, however, still see the firm’s website, www.completedebtsolutions.ca, offering debt settlement services to Ontario residents.
A significant amount of the evidence-gathering for an investigation of Complete Debt Solutions can be found in my two posts dated June 22, 2015, and July 19, 2015.
It would appear that no one at the Consumer Protection Branch at the Ministry of Consumer Services has had the time to read the Mark Silverthorn Blog over the past ten months.
Contact me if you have any information regarding Complete Debt Solutions
I would invite anyone with information regarding Complete Debt Solutions to contact me at (519) 827-5513. Alternatively, you are welcome to send me an e-mail at firstname.lastname@example.org.
If you entered into a debt settlement agreement with Complete Debt Solutions then you might be entited, under Ontario law, to a one hundred percent refund of any monies paid to Complete Debt Solutions.
Anyone with information regarding Complete Debt Solutions is invited to contact me.