The FRO Solution Blog
Thursday, January 04, 2007
Happy New Year
Just back from Xmas vacation down I-75 to Florida and can't help but notice all those Ontario truckers working non-stop !! back at the office the phone keeps ringing with FRO problems - a trucker who was paying regularly and had reduced his arrears from 15k to $1,500 got a " First Notice of Intention to Suspend Driver's Licence" in Sept/06. The Notice gives the payor 3 options to avoid the suspension by a specified date within 30 days. The Notice was received by ordinary mail and is a computer generated form. Option #1-pay all the arrears; Option # 2 - enter into a repayment plan acceptable to FRO. Detailed Financial Information is required and a proposal form is included. It is noted that if the payment plan is not agreed to within the required ( 30 day ) time period the licence will be suspended. Option #3 - go to Court and obtain a Refraining order preventing the FRO from suspending the licence ( this is not so simple-more in a later blog ) . This trucker sent in repayment plan form ( but none of the other financial documentation ) He made all of his payments as proposed and heard nothing back from the FRO, so he ASSUMED that the payment plan had been accepted. WRONG. On the Thursday before Xmas he received a letter from the MTO confirming that his licence was suspended. Never did get anything from the FRO. After numerous calls and being on hold with the FRO and paying off the balance by telebanking last week he still hasn't got his licence reinstated as of today. The convenient bureaucratic answer would probably be that the First Notice clearly states that unless the proposal is agreed to by FRO then the licence will be suspended. Since they never told him they agreed with the proposal then he shouldn't have assumed that the licence wouldn't be suspended. Right. He's making the payments and sent in the form. They are taking steps which could deprive someone of a livelihood &/or insurance coverage with untold consequences. Holding off the suspension pending receipt of additional documents would be reasonable. At least telling the payor that the proposal was unacceptable or deficient in some way would be reasonable. A counter-offer would be reasonable. But to go ahead and suspend without any reply at all is unconscionable. This trucker was probably driving without a licence for at least a week without knowing it ! All the while he had reasonablly thought that he had resolved the issue. ASSUME NOTHING !!
# posted by Michael J. Marra @ 12:11 PM
Comments:
FRO has too many powers. I used to be in arrears and they posted that on my credit report, but they posted the wrong amount ($1,000.00 too much) When I informed them the agent said "what's the difference?" well my creditors know the difference. I have paid it all, but on the credit report it has my first payment as my LAST payment. So when creditors look at my report it looks like I haven't paid in years. When I attempted to get equifax to fix the problem because it was the wrong information, they told me that there was nothing they could do because FRO was a government agency!!! This is on my credit report for 7 years!!!! Even though it is paid. I can understand this if it was something that I purchased and defaulted on, but no one tells payors that if they lose their job they have to vary their Order. FRO told me not to worry and to just let them know when I was working again, so imagine my surprise when I found out I was in arrears. DO NOT TRUST FRO! In my experience, the people they hire are just there to pick up a pay cheque. They don't care! If I was still together with the X and one of us lost our jobs then we would have to cut back and sacrafice, it's not the same when you're split up and dealing with FRO. PAYORS BEWARE!!!!
# posted by
NotaFROfan : 1:25 PM
I have heard many similar stories. The Court's can't de-list a negative credit report. The best prevention is to go back to court ASAP to vary your order when you lose your job.
# posted by Michael J. Marra : 2:18 PM
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Comments:
FRO has too many powers. I used to be in arrears and they posted that on my credit report, but they posted the wrong amount ($1,000.00 too much) When I informed them the agent said "what's the difference?" well my creditors know the difference. I have paid it all, but on the credit report it has my first payment as my LAST payment. So when creditors look at my report it looks like I haven't paid in years. When I attempted to get equifax to fix the problem because it was the wrong information, they told me that there was nothing they could do because FRO was a government agency!!! This is on my credit report for 7 years!!!! Even though it is paid. I can understand this if it was something that I purchased and defaulted on, but no one tells payors that if they lose their job they have to vary their Order. FRO told me not to worry and to just let them know when I was working again, so imagine my surprise when I found out I was in arrears. DO NOT TRUST FRO! In my experience, the people they hire are just there to pick up a pay cheque. They don't care! If I was still together with the X and one of us lost our jobs then we would have to cut back and sacrafice, it's not the same when you're split up and dealing with FRO. PAYORS BEWARE!!!!# posted by
NotaFROfan : 1:25 PM
I have heard many similar stories. The Court's can't de-list a negative credit report. The best prevention is to go back to court ASAP to vary your order when you lose your job.# posted by
Michael J. Marra : 2:18 PM
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