Is the collection agency in Canada and if so what province is it in please?
How much do they say you owe them?
The company is Duvera Financial in Carlsbad, ca. The amount is $5,296.00 U$. AT a rate of $134.48 U$ per month for 60 months. As I said Vensure International contracted this amount from them. I have not seen a cent, gotten service from them or even a courtsy phone call. They were asked to cancel this contract, but refused to do so. Since they contracted this amount, they can pay it back. I have nothing to show for it and I do not pay for something that I did not receive. If you need more info please do not hesitate to ask.
As the company is in the US I am going to move to the US law list.
I will alert a US expert that it's coming over.
Good Afternoon -
I'm sorry that you have been taken advantage of.
The BBB, in the United States, is a private organization. It really can't do anything if a company isn't a member and hasn't agreed to abide by their rules. In this case, it has rated Vensure as a B-, see, e.g., http://www.bbb.org/utah/business-reviews/computer-software-services/vensure-international-in-west-jordan-ut-22291579
However, since you are dealing with a California corporation that is trying to collect from you, the California Department of Consumer Affairs can help. As a senior citizen, what you are describing would be considered elder abuse, http://www.dca.ca.gov/consumer/seniors/health_welfare.shtml - so follow the instructions for reporting elder abuse.
Also, debt collectors in the United States have to comply with the Fair Debt Collection Practices Act, which is here: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf
That publication has information on how you can report and receive assistance with unfair debt collection practices.
This deposit of 30$ canadian is the only amount that will be taken from my credit card, or is there more money?
I have filed a complaint with the Consumers Department of California.
Good Evening -
I don't have access to your billing arrangement, so I'm going to refer your question to JustAnswer's customer service for a response.
Hope this works out!
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).