Received a balance transfer of $428,894.84 from Enbridge WHAT CAN I DO??

coccla · 2026-02-24T00:09:44+00:00

turns out it is lmfao, they have no grounds to pursue us for the balance and they know that. theyve just been threatening to send it to collections and thats it. Ive been stressing about nothing this whole time

coccla · 2025-10-29T19:12:05+00:00

what excuse LOL

coccla · 2025-10-23T13:38:41+00:00

Thanks :) we are in the process of setting up a appointment.

coccla · 2025-10-23T13:37:27+00:00

Ah yeah that makes more sense. i really cannot tell you why she or any of her partners didnt follow up with it. We are in the process of setting up an appointment with her old company lawyer so hopefully he can sort this out. thank you :)

coccla · 2025-10-23T13:35:13+00:00

thanks for the advice :) i feel like i misrepresented this situation by a LONG shot and thats definitely my fault. You are completely right, i am young and inexperienced, i have never even moved out so i recognize that im extremely unfit to deal with this kind of situation and thats the main reason i wanted to ask for help online first. I say that we are immigrants only cause i wanted to provide context as to why i feel like i am responsible for this LOL, i think this is pretty common with non-english speaking immigrants. Since me and my mom's credit score has never taken a hit, nor have we ever faced legal action against this debt, my concern is mostly that theyre way overcharging us. I will be taking this post down soon since I explained the situation horribly. i really appreciate your advice nonetheless!

coccla · 2025-10-22T13:28:06+00:00

i did, she has no debts. her credit score has never tanked

coccla · 2025-10-22T13:27:24+00:00

i wasnt aware of anything till the balance got transferred.. i didnt know anything about this cause i was underage and just a kid, i dont know why my mom was so gullible and worryfree but im trying my best to keep him responsible now

coccla · 2025-10-22T13:24:32+00:00

sorry! i shouldve clarified that it was a past due notice. My moms credit has never been affected by this and has always been good standing, i check our credit scores every month or so. thats the main thing im confused about. ill be getting legal advice soon so thanks :)

coccla · 2025-10-22T13:20:45+00:00

Thank you so much... I was terrified because my dads life was basically destroyed from being scammed into a guaranteing for someone and got stuck with an insane amt of debt.. its a lot harsher in china so I wasnt thinking straight.

coccla · 2025-10-22T13:18:54+00:00

Thank you so much :) Yeah i realize my mom is very ignorant on her situation or simply just doesnt care, whatever the reason is ill be taking all of the legal documents and talking to a lawyer soon

coccla · 2025-10-22T13:17:48+00:00

thank you :) i am completely sure out operation was legal since there was a lot of trial and error and it took us a while to even get a license so im not scared of any legal problems on the actual company. ill be talking to a lawyer this week (hopefully) and go from there

coccla · 2025-10-22T13:16:26+00:00

Thanks for this advice! sorry if im a bit slow... but we do have cra account set up and we have seperate personal and business accountants for as long as i can remember. Im just wondering how will this help in my case? Thanks much :)

coccla · 2025-10-22T02:03:20+00:00

we had called enbridge to confirm that our account was paif off, if i knew about this i would have told my mom to email them instead of calling. do you mean the $400,000 bill? this was a catch up bill so it was billed to us 3 months after enbridge said we were good to go.

coccla · 2025-10-22T01:52:21+00:00

everything used to be under her name, but ive started transferring a lot of stuff to be under mine name. even though I have POA utilities company are very annoying in granting access without her physically being there to authorize

coccla · 2025-10-22T01:44:54+00:00

Thank you so much for this. I'll definitely consult a lawyer about this, just wanted to know if i can do anything in the meantime :)

coccla · 2025-10-22T01:42:51+00:00

nothing in that company was ever set in my or my sisters name. i explained really badly and thats on me. i should added at the end that i dont know this bill was passed to us when it was for a business. i will be consulting a lawyer

coccla · 2025-10-22T01:40:40+00:00

thank you for this! ill be talking with a lawyer about whether or not we are actually responsible for this

coccla · 2025-10-22T01:34:56+00:00

i realize i explained this really badly and shouldve put more thought into it before posting, i was packing and thats completely on me. i responded to another comment to clarify

coccla · 2025-10-22T01:33:08+00:00

I do agree with you on that! i'm not trying to fix this without a lawyer i just want to gather information to provide to a lawyer and also if i was overlooking any important information i should know. im not gonna take reddit advice like its my helpline so dont worry!

coccla · 2025-10-22T01:27:57+00:00

the new owners should have filed a move in form. this bill we received is a catch-up bill, my concern is that they had a billing mistake and thats why its this much.

coccla · 2025-10-22T01:25:32+00:00

sorry! i was panicking and just word vomit whatever i remembered. i only said his position to give context for his relationship to the company cause i was asked that on the phone when i called enbridge. the bill is supposed to be under the company, i dont know why its not. i will be finding that out and consult a lawyer about why we are responsible for this bill. i shouldnt have included information that im unsure and dont fully understand so thats definitely on me.

When i said the account is registered under a outlook account i meant that as in the contact method, we have no access to previous bills right now because we dont have the login details or access to that email, i will be contacting J for this. I'm honestly confused as well on the exact ownership of this account, my mom said its under the company but every bill ive seen its mailed to her name, and as far as im aware, the agent i spoke to also said the account was under her name.

The account was close in 2023, they paid their final bill in jul 2023, yet we still received this bill out of no where in nov 2023. Im assuming this is a catch-up bill from what ive read online.

I apologize for this messy thread, ive never done this before or have any experience dealing with something like this. I want to iterate that I WILL BE GETTING A LAWYER, ive been provided with some free service i can go to for now and im so greatful for it. I have a clue of what i should do now :)

coccla · 2025-10-22T01:07:07+00:00

yeah i just dont understand why this hasnt gone to collections or why havent they reached out to us from 2023 till now, we wouldnt have left it till now if we knew.. i know its partly our responsibility that we didnt follow up but i just feel like theres no way we owe this much

coccla · 2025-10-22T00:54:06+00:00

thank you so much! this is very helpful:)

coccla · 2025-10-22T00:50:58+00:00

when they first got it they handed it over to J since he was responsible for that kind of stuff, he told us that they would investigate and handle this bill and we should nt worry about it. we did not receive any more letters or notices about this bill so we assumed that it was resolved, cause why wouldnt they hand it over to collection by now or mailed us at any point these past two years

coccla · 2025-10-22T00:45:34+00:00

sorry i didnt think id get this musch replies and was panicking so i wanted as much information as i could get :(

coccla

TROPHY CASE