PayDay Loans Canada

Payday Loans

If I include a payday loan with my bankruptcy, can the company still take the money out of my bank account?

Hi,

I’m needing some advice on disputing items on my credit file.

There is one credit collection company that has 2 items on my credit file. They are for 2 payday loan places. I have never been to either of these places. When I called the the agency and gave my information, they confirmed my SIN and DOB however the name is partially my name, and partially not. The last name consists of 2 names, one mine and one not mine.
I had a 3rd company reporting a like item, I requested the contract and it was under the same name (which is not mine) and I successfully disputed the item off my report.
The company that has the other 2 on there, will not send me the original contracts. I requested this both from the collection company, the head office of both of the payday loan places, as well as the direct stores that they loans took place (when I called the head office of the companies they gave me the phone numbers and the addresses of the actual stores). These 2 companies, as well as the collection company do not have the contracts.
I disputed the items with transunion, and they came back as being valid because they are confirming my DOB and SIN. I escalated this with transunion (which was a task in itself) and was advised that there was nothing that they could do.
I’m not understanding how I can be held liable for something that is not in my name. Or where there is no contract for the supposed funds that were ‘borrowed’.
The collection company has now stopped communicating with me (funny how that works) and I seem to be at a stand still with this.

Any suggestions on what my next steps should be?

Thank you

Can you get a payday loan at age 18 in British Columbia?