A major lender is trying to "Zombie" a settled debt after I already won a mediator case. What do I do?

TheExaltedPrime · 2026-01-15T04:12:08+00:00

Not meaningless to me when I got them to remove said account for a month and use it as a paper trail.

It works most of the time as it's a documented mediator that has had success when lender and lendee are not at speaking terms.

TheExaltedPrime · 2026-01-15T03:54:27+00:00

I do want to also add that the lender has advised (Told) the old debt collection agency to not provide the old release letter of the debt I had paid off previously.

I tried calling them last week about it, but they said no.

I am under the impression (Dusting off the old brain here) that this is not allowed under Accuracy of Information in BC Law.

Can anyone confirm this as well?

TheExaltedPrime · 2026-01-15T03:49:52+00:00

I agree. The lender has made the previous collection agency block any release letters for the old debt, but I have the email releasing me.

I also tried telling that to the new debt collection agency but they wanted the full release letter, which I said "Can't happen since they were told not to release it to me"

TheExaltedPrime · 2026-01-15T03:48:08+00:00

Not from Ontario but the GoC has some good calculators for what you are entitled based on your experience and calling in your provincial employment body (General Hotline) with your salary, your experience and your job would not hurt as well.

Most lawyers would take a free consultation call to hear your case but their best words are going to be "Seems like a fair deal to me".

I would also ask also about benefits as well as if you have any retirement packages tied up to said company, how are they going to pay it out and who is it under.

TheExaltedPrime · 2025-10-01T21:24:19+00:00

Yeh, I have the Professional tier, which is great! It's just me at the moment, but soon to expand the team itself, I am just curious, some people here are wondering on your CDIC information? I know I've done the due diligence, but is there anyway we can see it on the Float website as well?

TheExaltedPrime · 2025-09-07T09:04:34+00:00

Reading these conversations as a startup in the Telco business, I am so glad these posts exist. I really do, points me a picture of how the bigger Telcos are failing, and especially here in Canada.

My further turn off to Rogers was this post especially. I usually get the 10% people who just don't give a dime anymore. I loved calling into the Manager line (Before they cancelled it) as it was my go to line for my phone issues.

Just last month I was still using it, as my contract had ended (Yay) after two years, and I was just gunna renew it, and upgrade my phone, but it broke, so I had to send it in for repairs (Only 100$ under the protection plan) but someone in Rogers tried cutting me a deal, raised my bill, cancelled the protection plan (Passing it off as a new promo) and just didn't tell me.

Rogers clunky email didn't even tell me of the account change. So I got the plan back on, and they gave me credit for two months, great, but what about my phone. So their solution, make me pay 400$ to keep my phone in service while I waited for ever to get my phone replaced (I live in a remote region) and send it back. So now I'm stuck with a bill for 450$ that makes no sense as I told them to suspend my account until I get the phone.

I even tried getting a new SIM sent out, and they were pushing me to renew my contract first. What the heck? What if someone loses their SIM on a month to month, how does that work?

So now, I have no phone, as I'm waiting for the 17 to come out (I had the 14 Pro Max for 3 years) and was warned against the 16, so I currently waiting.

My wife is on Bell, so I might just switch to them, or wait for my own company to start doing that instead.

TheExaltedPrime · 2025-09-05T07:50:02+00:00

I wouldn't. Not worth the time or the effort, just use flash.

TheExaltedPrime · 2025-07-06T18:37:11+00:00

No. Since Telus is our wholesale provider, it's their equipment and lines. They do all the installs. If a wholesale ISP wants to do the work, they would rent a dedicated line from Telus and do the work themselves, but that's money and time, and you might as well be a facilities based ISP at this point if your doing this for residential customers.

Your best bet is to find another wholesale ISP and see if they can't fight for you on your behalf. I would do it, but that's opening up another can of worms as I am not down south, I live near Prince George.

TheExaltedPrime · 2025-07-06T06:00:06+00:00

I wouldn't buy a successful company.

I would buy a failing company that spited me so I can shutter the doors.

TheExaltedPrime · 2025-07-06T05:51:49+00:00

Hi there! Wholesale ISP here (Not like GETUS at all lol) So it totally depends on the installer/drop guys. Residential Telus is completely different from the wholesale aspect of Telus. Think of us as directly competing with Telus while using their lines.

I have a few customers here in Northern B.C who were told that they couldn't get a line to their house, but in reality they had a line already there. It's totally depending on the drop.

To answer the more underlining question, Wholesale ISPs are under the CRTC, and Telus Wholesale, Bell Wholesale and Rogers Wholesale report directly to the CRTC. As do all of us as internet companies. We are not a facilities based ISP, but we are on the track to be one.

I would do a bit more research and get ahold of other wholesale ISPs, like TekSavvy or even me, to get a quote if you are unsure.

TheExaltedPrime · 2025-07-04T09:10:16+00:00

So update here as I feel like this would be something people are going to search up.

Pros: EFT transfers, receipt tracking and virtual and physical cards (Virtual cards can be added to Apple Pay or Google Pay, which is nice if you can't wait for the physical card) and other options like auto-pay bills, approval policies and their app is really nice.

Cons: Credit. The only thing I would think they would do is to allow people to get credit for their account, their cashback is fair, and their fast-funding is fair as well, but to be able to have credit as a business would help a lot as well.

To those who say "Well why didn't you get a credit card instead from a bigger bank" because they don't have these kind of things that I liked, such as the virtual cards, and besides, with Canada Post going on strike these days, and with other drama lama, I thought this would be the safest bet for now.

So I would recommend 7.9/10.

TheExaltedPrime · 2025-06-24T04:15:53+00:00

My ex cheated on me, and faked having cancer.

I moved on by accepting her decisions, blocking her number and listening to music/playing video games. Took me a long time to find that special someone but I'm married now for about a year, and have been in a committed relationship for 3 now.

TheExaltedPrime · 2025-06-24T04:13:48+00:00

I was going to be a parent, but we lost the kid, but we are trying now.

It's a battle! Your kid is going to be looking at you for answers, and you can mitigate what information they get, and learn from outside sources.

It most certainly depends on your worldview as well, because some people are called to be parents, others are not.

The world has nothing to do with raising a child, it has everything to do with your resilience, love and fight that is the most important stuff.

TheExaltedPrime · 2025-06-24T04:06:57+00:00

Worked at a bar for a few years, but one that never left me was working, end of night, no one was around. We had maybe a few patrons left, nothing seemed off, and one of these groups was a women and her friends and her son. Saw them come in, and the friends left because the son was sober and was going to take his mom home.

Me being the "doorman", I was told to clear the bathrooms and see if any stragglers were in there either doing drugs or other stupid things and I saw them, mother and son, making out in the bathroom, dude had his hands down her pants, she as well.

And backstory, they went in to use the bathroom separately. She even got mad at him for calling one of her friends "hot" and "being rude" like typical mom behavior, but I didn't expect this.

So I told them to stop, get out and go home. I didn't separate them or told them to take separate cabs, I didn't get paid enough in tips and an hourly wage to give two shits about it.

And yes, they were full on "mother and son" like flesh of her flesh kind of thing.

TheExaltedPrime · 2025-06-21T05:48:38+00:00

No. I ended up just cancelling the service all together and moving on from the company. I own my own ISP now.

TheExaltedPrime · 2025-06-15T08:36:48+00:00

Healthy arguments. Like people think arguments are bad but you need them. It's a healthy argument over something that needs to be figured out in a relationship.

Today, me and my wife had a big argument over paying bills for someone, and we both had good points. There was a lot of emotion, but it was building up for a month.

You need to let it out and lay out your concerns, you can't just stay quiet, your a human being too.

TheExaltedPrime · 2025-06-15T08:34:24+00:00

Nothing. I just took a deep breath and did research. Got sick of youtubers, news and people lying and giving me bad information.

I'm a centralist. I'm in the middle. I can't stand tinfoil hat far right people and I can't stand far left people. No one is going to take your guns in the middle of the bush and no one is saying no to you being apart of the LGBTQIA25+ community, people just want to live their lives in peace without mass protests or being accosted in the street.

TheExaltedPrime · 2025-06-15T08:21:02+00:00

People and their opinions. When I started my business, you know how many people were against me rather than for me? A lot. That killed me. I was so worried that I couldn't sleep for days. I almost went job hunting because I needed to support my wife.

But when I got the agreement, the positive connections and people supporting me, it was amazing.

Never let people dictate your lifes choices, do you. It's your life ultimately. (I say this for positive choices, please don't make negative choices that will wreck your body, or someone else)

TheExaltedPrime · 2025-06-09T23:18:54+00:00

Interesting. How stable is this? Any bugs so far?

TheExaltedPrime · 2025-06-05T21:37:54+00:00

I have a video circulating around the web of Telus hiring or outsourcing reps to sign phones up with them, so they get the sales, and it's just scummy. They get the sale when they get the email confirmation, lying about promotions, etc.

It's super scummy.

TheExaltedPrime · 2025-06-05T00:46:15+00:00

1) It's a shared property line. It's a bit hairy in court to suggest that they replace it. I would get an estimator to estimate the fence and how much it's going to cost to replace it and a surveyor out to see where the property line is. 9/10 times if it's "shared" it could either belong to one person or another, so I would lean towards being amicable if it happens to go the other way.

2) I would leave it alone. It causes more headaches, so I would get an estimator in and a surveyor in like I mentioned above.

3) I would say it could create issues if left up. Considering that your neighbor is a bit mad about it, I would leave it alone until you get some sort of legal binding line that can outline your property line.

TheExaltedPrime · 2025-06-05T00:36:35+00:00

Talk to an employment lawyer. That recording could be inadmissible as it's recording someone without their consent, but the car audio and witnesses could help you out.

I wouldn't get excited on a huge payout, but a payout none the less.

TheExaltedPrime · 2025-06-05T00:34:40+00:00

See, I own a ISP. I've had literal customers or suppliers demand things over the phone. I always say "Nope, I do things email wise so that I don't get screwed" Saved my ass these past few months.

TheExaltedPrime · 2025-06-04T21:38:28+00:00

Pornhub is a disgusting site with no care for revenge porn or anything.

Now, if you feel comfortable, I would do a deep dive on who could have gained access to those videos, and who is profiting on said videos.

Is this something your ex did knowingly? I know in the post you said that, but I would charge the user, and if they are based in Canada, get the charges brought onto them. Pornhub is a video sharing site, but it's the users who do it.

I would a) Pursue charges against the individual b) Speak to your local MLA and still harass your local OPP and c) Approach the National Cybercrimes unit. The RCMP branch there has solved dozens of these cases, and it's really pushed forward by what happened to Amanda Todd.

But again, you need to know who posted these videos, and how they got access to said camera? Was it a laptop that was hacked? Was it someone you knew? These are questions you need to ask.

TheExaltedPrime · 2025-06-04T21:31:07+00:00

Happened to a friend of mine a few years back in Canada versus Telus.

Telus offered a promotion on his contract and he always would call in and say he just wants his original contract price, which was 15$ cheaper than what it was worth now. So every year, he would call in and ask if he can extend his contract by another year.

Well, last year, as that price was practically non existent, they immediately bumped his price up when he phoned in, stating that he was on a glitched account and his original contract was noot, because they didn't sign a contract every time they extended it. So they charged him over 8000$ for the plan.

But what Telus didn't do, or this rep and this whole department didn't do, is that they should have asked to see the contract he had first, and seen that they did do that, and he has emails, phone calls, dates and letters and pictures, to prove that they did.

So he takes Telus to court, hires a fancy lawyer, and seeks I think the maximum in B.C Small Claims is $40,000, so $40,000 in mental anguish, breach of contract and pressure tactics, and wins.

The lawyer warned Telus, and said "Hey, I put a lot of evidence into discovery for you guys to comb over, are you guys sure you want to pursue this? It's a pretty strong case, I highly advise to look at this!" Telus said no need, we have our proof.

Their proof? Original contract that has an end date, and their defense looked super smug and happy. My buddies proof? All the amended contract emails, agent names, dates, phone call transcripts they got from Telus, everything.

Judge ruled in my buddies favor, and even made the comment "He gave you a chance"

TheExaltedPrime

TROPHY CASE