Get It On Credit

1995 Dodge neonWell to continue my story, it’s a long process due to the extent of time, and continuous Bullying, then again more of illegal acts of hate, but to make it as short and to the point, it goes something like this…On June 26, 2004 a battle began regarding a vehicle I purchased, the motor failed approximately 3 weeks after I took ownership, after placing a call to the finance company Nelson Financial Group, they requested using my CAA and have the vehicle towed to a dealership in Hamilton, Ontario (Outside The Box Financial) for an engine install, this I found ode but did as they requested, I did not know this dealership and was curious as to why Hamilton considering I purchased it in Woodbridge, Ontario from Westview Auto Broker, I would never see the vehicle or hear anything more about the condition or progress of the repairs, even after all and every inquiry I made, would all be in vain. After 6 weeks of placing calls, leaving messages that would go unanswered, not able to get any updates, having to get rides to work from other staff,1995 Dodge Caravanthe boss also was growing concerned as well because she asked me a few times to go to one of the other facilities to pick up a piece of equipment, not impressed having to ask a technical member of the staff to go because I was not able to without a vehicle, resulting in her eventually saying without a vehicle you are not able to do your job, also saying I would soon have to get a vehicle or she would have to replace me with someone who could do the job. I was really pissed at this point, again making 4 or 5 calls through out that day, again no response, I told the receptionist it was important that I speak to someone immediately telling her my concerns,  but everyone she transferred my call to, was hiding behind voice mail, at this point totally fed up with the run around and with the realization of possibly loosing my job, I just gave up and purchased a 1995 Dodge Caravan for $1500.00 cash, after about 8 month’s Picture 282I would be rear ended at a stop light, RBC Insurance would write the van off and take it, leaving me again without a vehicle. The accident happened the first day of starting my holidays. The next day, not having a vehicle again, and not willing to tolerate being without one, due to the issues currently in litigation I was not able to obtain financing so I went to Enterprise Car Rental, and for the next year I would pay $1000.00 a month for a vehicle and went on with my life until I discovered it a few month’s later in my credit file (Equifax Canada) that would begin a 2 year court battle at the Brampton Small Claims Court. During that 2 year period I would purchase my credit file online from the Equifax website approximately eleven times, one time in particular I purchased the file only to discover, after comparing it with the one 2 days before finding that in the matter of 48 hours the information had been changed, totally different entries then the previous one purchased just 2 days before, concerned I contacted Madame Adrian Mochca’s, the Director for Equifax Canada, she placed the blame on, in her exact words, that’s them doing that, but never took any action in regards to my concerns. I still have these credit files in a safe place, knowing that one day Justice would be requiring those documents.IMG_5641 I did finally finance a vehicle in April of 2006, I purchased a 2002 Chrysler Sebring from Parkway Chrysler, who would in writing confirm the information from RBC in my credit files, was not there in April went I purchased my vehicle, as the entry date said March 2002, which was not there a few month’s before. On June 27, 2006 the judge after granting them numerous adjournments, no shows and at times not having the files they required, he also had enough, he looked at me and stated, Mr. Kinden this is the small claims court, the most you can sue for is $10,000, the balance is now more than $40,000, have you tried to settle this, standing up I stated your honor they have made no effort to settle the matter, and I sued for $10,000 but due to the incompetence of the defendant and their tactics of prolonging the process, images (12)dragging their feet, purposely delaying and wasting your honor’s time is the main reason for the accumulation of interest which has directly affected the balance, increasing it to $40,000 your honor is referring to and not any fault of mine The Judge then stated in a very agitated tone, I am going back to my chambers, I want you both to come to an agreement, once that is complete have the bailiff summons me to return, he then left the court room. As soon as the judge was gone the one guy immediately said your not getting any money, at which time I made the worst mistake I would ever make of my life, responding, I don’t want your dam money, agreeing with him and settling for no money, also saying all I want is for you to honor my request. At this point after two years, the removal of the derogatory information they added to my credit file is all I wanted, because it was there prevented me from securing vehicle financing, so for me it wasn’t about the money, I just wanted what I ask them 2 years before, get out of my credit files.1c992ca02d06f9055cb0919cf835b9ed After all the necessary documentation was completed I put all my belonging together and proceeded to the exit, as I exited the court building main entrance, just outside the doors were two individuals one from Outside the Box and the other from Westview Auto Broker, as I passed one of them said “never feel comfortable at your job” I did’nt ask what it meant, I just kept walking but I would come to find out what they did mean by the statement. Now I realize that there would be no money and financially I was in trouble, due to the 2 years that I wasted, really for nothing, but that would not be the worst of my problems. In July of 2006 RBC who had no claim in the proceedings, assuming for their own reasons and an act of revenge, would make an illegal and derogatory entry in my credit files, basically stating that in 2004 I deposited checks to my account, making withdrawals on funds that were not available, the statement readTransunion Credit file RBC Derogatory Info ” stolen, forged worthless N.S.F checks” all inquiries would be in vain. Just when you are asking yourself what could possibly happen next? about a month later I would receive the message from my brother, at the time it was not clear to me what he was talking about, mostly because he was so angry, yelling then hanging up leaving me scratching my head, wondering what just happened, it would be almost 2 years before I would find out. One day at work in passing a individual, one of the customers contractor’s at SunGard just out of the blue said to me, you are very stupid and an idiot, why would you insult a federal employee, using your own email and in your home town, then just walked away. I did not know what to think but began to put it all together, understanding possibly why the email was deleted, and all attempts of contacting yahoo went unanswered, so assuming it had something to do with the fact that it was the only email that I used to send and receive information during the trail but now realized, that was not the reason at all. Realizing now that this was the next strike against me. Not far behind came the next blow, a message to Canada Revenue Agency, stating that I would not pay Taxes any more, which I would not know about until 2 years later, mean while I have to change banks 4 times, due to missing funds, direct debits returned NSF even though the money was there to cover it, charges to my credit cards that I did not know about or authorize, RBC Insurance cancelled my home and auto insurance even though it was up to date, I contacted my MP after which it was reinstated. All while I am going through major Bullying and Mobbing at work, by the staff, management and all customer’s and on Sept 9, 2009 I was eventually fired and also resulted in Bankruptcy. So the process was to destroy my life stock-vector-mobbing-keyboard-button-with-boss-icon-124290874which is now plain to see the measures they took to do that – First they would make it appear I was a thief, a derogatory entry by RBC in my credit files, stolen forged worthless NSF checks – Next they would turn my family and home town against me, by using my personal email to slander federal officials in my home town – Then sending a message probably the same email to CRA saying I would not pay tax again.Then they would Bully and harass me at work trying to force me to quit, eventually firing me. The final knife in my back would be Bankruptcy, that I tried to avoid with a consumer proposal, then working at TEGA Homes, but the day I was to sign, I got called to the office and to my surprise, they laid me off, causing it to be withdrawn. I would finally after 3 trustee’s declining to file the Bankruptcy, it would be finally filed on Feb 11, 2011, but to this day I have no idea if it was actually filed or I’m thinking that it was just another one of there games. I now see that they made a point of making it impossible for me to ever work, or get help of any kind, ensuring the federal Government would support them, believing nothing  I said or help me and do their dirty work for them, I was also suppose to end up on the street, but that one did not work in their favor, they discredited me, so I had nobody to turn to for help not even my family, it’s why every where I went, I would get no relief or help again.
So Who Are They….Equifax Canada and Transunion credit reporting agencies.
You can view and read the file “Kinden v Richcraft” for more information.