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a A a i a Asned AS AGA ba RA in tial SL owt FARRER I § RRS ROW IRS Qi | _ PORT PERRY STAR -- Tuesday, July 23, 1985 -- 29 Honesty key to handling agencies Consumers often feel intimidated by collection agencies, but avoiding their calls can land deb- tors in court. If financial trouble strikes, remember col- lectors are more likely to be reasonable when treated openly and honestly - "These agencies are hired by companies to collect overdue debts from customers,' says Bill Stoddart of the On-, tario Ministry of Con- sumer and Commercial Relations (MCCR). "*All professional collectors should realize harassing consumers is not only il- legal, it's not going to get them anywhere. But con- sumers should be aware that hiding from the col- lectors will only make matters worse." Refusal to pay can result in court action, leading to seizure of assets or assignment (garnishee) of wages. Agencies are required by law to notify debtors in writing that an over- due account has been turned over to them. If you receive such a notice, but can't pay off the debt right away, write to the agency, ex- plaining your situation and suggest a way to set- tle the account. Perhaps you can pay the bill in full next month or in regular in- stalments. Whenever possible, include at least a partial payment to show good faith. Never send cash in the mail. "Once you've agreed on a payment plan, stick to it," Stoddart advises. "Bouncing cheques or missing payments will only aggravate the situa- tion. If, for some reason, you can't meet the plann- ed payments, write to the agency again to explain your changed cir- cumstances. Com- munication is the key." Consumers should also know their legal rights when dealing with collec- tion agencies. Debt collectors operating in Ontario are required to register with MCCR and follow a uniform code of ethics Regulations passed in 1983 prohibit collectors from: Starting legal action on the collection of a debt without first notifying the debtor and obtaining the creditor's written permission Making telephone or personal calls of such a nature or frequency to constitute harassment of the debtor or debtor's family Calling to collect a debt on Sunday. statutory hohday, or any day before 7a m or after 9pm Giving out false or misleading information either directly or by implication that could damage the debtor or debtor's family Demanding payment of a debt without ident fying the name of the creditor, the collector and the balance of the money owed -- Continuing to demand payment of a debt from a person who claims not be the debtor, without taking all reasonable steps to confirm the per- son's identity. If you feel a collector has breached any of these regulations, notify the agency of your com- plaint and contact the nearest consumer ser- vices bureau of MCCR. Information on outstanding bills and the involvement of collection agencies usually appears on the debtor's credit record. To ensure the in- No service at Epsom-Utica Utica and Area News by Vera Brown As the summer church schedule continues please be reminded that there will not be a ser- vice at Epsom-Utica. Service for the charge will be held in Goodwood at 9:30 a.m. with Marion Wells as the speaker. Euchre winners on Friday were Ladies 1st Bernice Wells, 2nd Velma Ross and Irene Fielding was low. Men's 1st Percy Griffin, 2nd Iva Yake and Rob Harrison was low. Freeze-out win- ners were Eva Pegg and Blanche Rose, 2nd were Hardy Noble and Ken Whittington. There will be another euchre this SMITH-CORONA TYPEWRITERS Manual or Electric PORT PERRY STAR 235 Queen Street 985-7383 PICK YOUR OWN 1.50 pun RASPBERRIES / 5 ¢ PINT READY PICKED RASPBERRIES 15.00 FLAT (12 PINTS) PHONE ORDERS ACCEPTED WHITARER'S Shirley Road (R.R. 2) Port Perry - 985-3170 Friday at 8 p.m. Lorne and Eileen Slute enjoyed a trip on the Polar Bear Express to Moosonee recently. Dennis and Dorothy Gerrow and children were Sunday luncheon guests with her parents, Bill and Vera Brown. Mrs. Laura Tucker of Peterborough spent a few days last week with her sister, Mrs. Hilda Bailey and Allan. Miss Carrie Fielding of Port Perry is spending a few days with her grand- parents, Earl. and Irene Fielding. Sunday supper guests with the Fieldings were Frank, Linda and Tanya Fielding. The Eric Carre family spent the weekend with her parents at the cot- tage at Thornbury. Happy Birthday to a little neighbour Miss Dana Harper who will be 4 years old on the weekend. sf z tS) he AN bs) {| Vv < @ y Shirley Road 0 » > » v SHORT TERM CERTIFICATES 60 - 364 Days 84% (Min. $5,000) 30 89 Days 9.15% (Min $100. 000 ) GUARANTEED INVESTMENT CERTIFICATES 2ates suber Telephone ( har STANDARD TRUST 16% Queen Street PO) Box 1VIR Port Perry Ontanno 10OB INO ORS-R41S Annual Interest 9% Minimum $500) ge w trout Notice formation 1s correct, make an appointment to 1 eview your file with the nearest credit bureau. Consumers in serious financial difficulties can get free advice from a Credit Counselling Ser- vices office. Numbers for counsell- ing offices and credit bureaus are hsted in the phone book. Brochures on collec- tion agencies and credit in general are available from MCCR. For copies contact the Consumer In- formation Centre, 555 Yonge Street, Toronto, Ferne and Earl Yeomanson of Port Perry are pleased to an- nounce the forth- coming marriage of their son, Roy Joseph to Beth Linda, daughter of Karl and Alice White of Hamp- ton, Ontario. ing at the church. FORTHCOMING MARRIAGE The wedding will take place on August 30, 1985 at Port Perry Baptist Church, at 5:30 p.m. Reception immediately follow- Port team wins Oatway Trophy On Sat. July 13th, the Oshawa Lawn Bowling Club held a mixed trebles tournament for the Oatway Trophy. 32 teams competed in the competition. The Port Perry team consisting of Mel Meulemeester skip, Lillian Midgley vice, and Bertha Meulemeester lead, were successful in winning the trophy and the 1st prize money. ontario 416-963-1111 or toll free M7A 2H6. 1-800-268-1142. Ontario CIC collect. Emmanuel Pentecostal Church QUEEN & ROSA STREETS - PORT PERRY Pastor R. Hilsden - 985-9222, 985-3770 Welcome to VACATION BIBLE SCHOOL PLACE: Emmanuel Church, Port Perry DATE August 6th to 16th (Weekdays) TIME 930am tol11:30a.m Stories - Lessons - Crafts THEME: "In the Footsteps of Jesus' FOR PRE-REGISTRATION 985-7181 or 985-9222 'COME BRING THE CHILDREN" SUNDAY SCHOOL & SERVICES JULY 28 945 AM 11:00AM - 7.00 PM. Children's Church, Nursery School, Music residents with an 807 area code may call the Thinking Of Buying or Sellimg Don't Forget To Check The Real Estate Pages Of The Port Perry Star ® ft CONOMY ® COMPACT ® STANDARD FULL SIZE Fe RENT A NEW PONTIAC a PLILE PONTIAC BUICK LIMITED TYANEOWARD DRIVE PORT PERRY S85 BAM OPEN Weekdays 10 9PM Frdayto h PM Saturday ® | OW RATES ® [ONG TERM LEASING ® TRUCK RENTALS RY 5 Year Annual Interest Trust Company "DON FORDER INSURANCE BROKERS LTD. JAH JOWATER 57 . POR PERRY 985 cid COMMUNITY CHURCH Rev. Dr. W.H. Crawford To The Country Church ST. JOHN'S UNITED CHURCH ANGLICAN CHURCH OF CANADA Rev. Glenn C. Jackson BLACKSTOCK M.A., B.D. SUNDAY JULY 28 SUNDAY JULY 28 9:30 a.m. Rev. Donald Tansley Morning Prayer Pastoral Associate 10 a.m. Morning Worship (Nursery and Childcare Provided) CHURCH OF ASCENSION PORT PERRY SUNDAY JULY 28 11:15 a.m. BLACKSTOCK Morning Prayer PASTORAL CHARGE Rev. Dale Davis Blackstock and Nestleton Resume Worship Services Snnday August 18 SCUGOG PASTORAL CHARGE Rev. Brian Robinson B.A., M. Div. Scugog - 9:45 a.m. Manchester - 11:15 a.m PRESBYTERIAN St. John's 985-3881, 985-3409 9:55 a.m. Family Worship Nursery and Church School During Worship A Cordial Welcome To all BURNS CHURCH ASHBURN 10:00 a.m. Church School 11:15 a.m. FFamily Worship Nursery and Junior Church A Cordial Welcome to All PORT PERRY BAPTIST CHURCH WELCOMES YOU Hwy 7A just east of Port Perry Rev GF Ted Barton M A Mth Assoc Pastor T Kartzmark EMMANUEL FULL GOSPEL FELLOWSHIP Durham Rd 23 and 7th Conc. Rev. G.B. Parks 852-5871 9:45 Sunday School Sunday 11 am and 6 pm Wed. 7:30 p.m. Bible Study Thurs 9:30 a.m Ladies Fellowship Friday 7 pm Young People Special Welcome to the Handicapped Bible School 9:45am Praise and Worship Service Il am and 6.30 pm Nursery Provided Ladies Coffee Hour Tuesday 9:45 am Family Prayer and Bible Study Wed 7 30 pm Pioneer Girls mn! Boys CSB Thursday 7 00 pn Youth Activities (for details phone 985 8681) HOPE CHRISTIAN REFORMED CHURCH OF PORT PERRY "166 Simcoe StS) Prince Albert Watch our Church Program Faith 20 on Global TV F.very Sunday Morning at 9 30 am Service 10:00 am and 7:00 pm Ladies Coffee Break very Thursday 930 am Nursery and Story Hour Provided "Everyone Welcome" CAESAREA SUNDAY JULY 28 Speaker Bob Heayn at 11. 00am We Welcome You 985-5526 CHURCH IN CANADA Rev. Stuart McEntyre | '