The first step is to try to resolve the complaint with the business directly. If this fails, talk with one of the staff at the Consumer Protection Division toll free at 1-877-880-5550 or, in Regina at 306-787-5550. If the staff recommends that you file a formal complaint, you may use the printable form below.
Please ensure that the entire form is completed and that you include with the form all supporting documentation. You may forward your complaint by fax to 306-787-9779 or mail to:
Consumer Protection Division
Suite 500, 1919 Saskatchewan Dr.
Regina, SK S4P 4H2
Email inquiries will be responded to via email. If the sender does not wish a reply in this fashion, please indicate such in your message.
Collection agency saskatchawan complaint form
The Collection Agents Act controls the practices of collection agents and collectors and requires them to be licensed and bonded. An agency that practises prohibited methods of debt collection can have its licence suspended or canceled, and may have its bond forfeited to pay the people who suffered a loss.
The Act also controls the methods used by collection agents and collectors to collect debts. They cannot:
- collect or try to collect more than is owed;
- demand payment without giving the name of the creditor, the balance owed and the identity and authority of the person making the demand;
- harass the debtor, his or her family and household;
- call before 8 a.m. or after 9 p.m. or on Sundays or holidays;
- telephone with reversed charges;
- give any person false or misleading information that may be detrimental to a debtor or a debtor's family;
- contact a debtor's spouse, relatives, neighbours or friends unless the person contacted has guaranteed to pay the debt and is being contacted in respect of that guarantee;
- contact a debtor's employer, except to verify the debtor's employment or in respect of payments under a wage assignment or a court order; or
send the debtor documents that appear to be court documents.
An Act respecting Collection Agents
This Act may be cited as
The Collection Agents Act
In this Act:
means a person who is authorized to act as the
representative of a collection agent and is named in the licence of the
means a person other than a collector who:
(i) collects debts for others;
(ii) offers or undertakes to collect debts for others;
(iii) solicits accounts for collection;
debts owed to him under a name which differs from that
under which he is the creditor;
(v) mails to debtors or offers or undertakes to mail to debtors, on behalf
of a creditor collection letters;
(vi) for a fee
or other consideration or hope or promise thereof, enters
into an arrangement under the terms of which he agrees or undertakes
to pay to a vendor any amount in respect of goods or services sold or
supplied by the vendor to a person other than the collection agent;
(vii) offers or undertakes to act for a debtor in arrangements or
negotiations with his creditors; or
(viii) receives money periodically from a debtor for distribution to his
and includes a person who takes an assignment of a debt or debts due at the
date of assignment from a specified debtor or debtors;
means a person who on behalf of a collection agent:
(i) does anything referred to in the definition of collection agent; or
(ii) sells or offers for sale any of the services of a collection agent.
(b) two copies of each form or form letter that the collection agent uses or
proposes to use in making demands for the collection of debts; and
(c) a bond of a guarantee company licensed under
(4) The agreement referred to in subsection (3) shall set out particulars of the fees
charged or proposed to be charged by the collection agent.
R.S.S. 1978, c.C-15, s.6.
Address for service
(1) Every applicant for a licence shall state in the application an address for
service in Saskatchewan, and any notice under this Act or the regulations shall for
all purposes be sufficiently served if delivered or sent by registered mail to that
address or to the address for service stated or shown in a notice given pursuant to
(2) Every licensee shall notify the registrar in writing of any change in his
address for service.
R.S.S. 1978, c.C-15, s.7.
Licensing of firm or partnership
(1) In this section, the word
(a) a person who is a sole proprietor of a business and who uses as his
business name a name other than his own or uses his own name with the
addition of some other word or phrase; or
(b) persons who are associated as partners in a business;
and the name in which the firm carries on its business is called the firm name.
(2) A firm may apply for and obtain a licence as a collection agent in the firm
name; and no firm shall carry on business as a collection agent under a name other
than the name shown in its licence.
(3) Every firm shall, in its application for a licence, state the firm name and if a
sole proprietor, the name of the sole proprietor or, if a partnership, the names of the
partners, and designate one partner as the authorized official of the firm.
(4) The licence, if granted to the firm, shall be deemed to be issued in the name of
the sole proprietor, or in the names of the partners, as the person or persons
carrying on business in the firm name, and the licence shall indicate thereon the
authorized official who, in the case of a sole proprietorship, shall be the sole
proprietor and, in the case of a partnership, the partner designated in the
application for the purpose.
(5) Upon the granting of a licence to the firm, the authorized official thereof may
act as a collector on behalf of the firm without a licence but no other person shall so
act unless he is licensed as a collector.
Granting or refusing a licence
The registrar may grant a licence where, in his opinion, the applicant is
suitable to be licensed and the proposed licensing is not for any reason objectionable;
but the registrar may refuse to grant a licence if after investigation he is for any
reason of the opinion that the applicant should not be granted a licence.
R.S.S. 1978, c.C-15, s.14.
Licence may be subject to terms and conditions
(1) The registrar:
(a) may grant a licence; or
(b) may, where a licence is already granted, by notice to the licensee make
subject to such terms, conditions and restrictions as he considers necessary.
(2) Where a licence has been granted, the registrar by notice to the licensee, may
attach terms, conditions and restrictions, or may vary, add to or revoke the terms,
conditions and restrictions, to which the licence shall be subject.
(3) Every licensee shall comply with the terms, conditions and restrictions to
which his licence is subject.
R.S.S. 1978, c.C-15, s.15.
Expiry date of licence
Unless previously cancelled, every licence expires five years from the day on
which it was issued.
R.S.S. 1978 (Supp), c.6, s.2.
Suspension or cancellation of licence
(1) The registrar may suspend or cancel a licence upon any ground on which he
might have refused to grant the licence or where he is satisfied that the licensee:
(a) has violated any provision of this Act or has failed to comply with any of
the terms, conditions or restrictions to which his licence is subject;
(b) has made a material mis-statement in the application for his licence or in
any of the information or material submitted by him to the registrar pursuant
to section 19;
(c) is guilty of misrepresentation, fraud, or dishonesty; or
(d) has demonstrated his incompetency, unfitness, or untrustworthiness to
carry on the business in respect of which his licence was granted.
(2) Where a bond filed under this Act is terminated, the licence of the collection
agent shall automatically be suspended and shall remain so suspended until the
collection agent files with the registrar a new bond in the amount and form
(3) Where the licence of a collection agent is suspended or cancelled, the licences
of all collectors of the collection agent shall be automatically terminated.
R.S.S. 1978, c.C-15, s.17.
Effect of cancellation
A person whose licence is cancelled is not entitled to a new licence until the
expiration of one year after the cancellation.
R.S.S. 1978, c.C-15, s.18.
Requirement of further information
The registrar may at any time require further information or material to be
submitted by an applicant for a licence or by a licensee within a specified time and
may require verification by affidavit or otherwise of any information or material so
submitted or previously submitted.
R.S.S. 1978, c.C-15, s.19.
Request for hearing
(1) An applicant for a licence or a licensee who is dissatisfied with a decision of
the registrar under this Act may within thirty days after the date of the decision
apply in writing to the registrar for a hearing and thereupon the registrar shall fix
a date for the hearing which, unless otherwise agreed, shall be held not later than
seven days after the date of the receipt of the application for the hearing.
(2) The registrar shall in writing within ten days of the conclusion of the hearing
render a decision to the applicant or licensee and he shall in his decision give
(3) The applicant or licensee may in any hearing before the registrar be
represented by counsel.
(4) For the purpose of holding a hearing the registrar:
(a) may require and may take and receive affidavits, statutory declarations
(b) may examine witnesses upon oath and may administer the oath;
(c) has the same power that any court has in civil cases to:
(i) summon persons to attend as witnesses and to give evidence;
(ii) enforce the attendance of witnesses; and
(iii) compel witnesses to produce books, documents and things.
R.S.S. 1978, c.C-15, s.20.
(1) The registrar may require any applicant for a licence or any licensee to
furnish him within a specified time with a bond in such form and amount as he may
(2) Notwithstanding that Her Majesty in right of Saskatchewan has not suffered
any loss or damages, every bond delivered to the registrar under subsection (1)
shall be construed as being a penal bond and where any such bond is forfeited
pursuant to subsection (3), the amount due and owing as a debt to Her Majesty in
right of Saskatchewan by the person bound thereby shall be determined as if Her
Majesty suffered such loss or damages as would entitle Her Majesty to be
indemnified to the maximum amount of liability prescribed by the bond.
(3) Every bond furnished under subsection (1) shall be forfeited where:
(a) the person in respect of whose conduct the bond is conditioned or any
representative or collector of that person has been convicted of an offence:
(i) under this Act or regulation;
(ii) involving fraud or theft or conspiracy to commit an offence
involving fraud or theft under the
and there is no further appeal or the time for all appeals therefrom has
(b) final judgement in respect of a claim arising out of a contract has been
given against the person in respect of whose conduct the bond is conditioned
or against any representative or collector of that person;
(c) the person in respect of whose conduct the bond is conditioned commits
an act of bankruptcy, whether or not proceedings have been taken under the
(d) a decision has been rendered by the registrar in writing stating in effect
that after consideration and investigation of a complaint, he is satisfied that
the person in respect of whose conduct the bond is conditioned or any
representative or collector of that person:
(i) has violated a provision of this Act or has failed to comply with any
of the terms, conditions or restrictions to which his licence is subject or is
in breach of a contract; and
(ii) has departed from Saskatchewan, or being out of Saskatchewan
remains out of Saskatchewan, or departs from his dwelling house or
otherwise absents himself, or in the case of a corporation, the name
thereof has been struck off the register of companies;
and there is no further appeal or the time for all appeals therefrom has
(4) Where a bond secured by the deposit with the registrar of collateral security is
forfeited under subsection (3), the registrar may sell the collateral security at the
current market price.
(5) The registrar may pay any money recovered under a forfeited bond or realized
from the sale of any collateral security to:
(a) the local registrar of the Court of Queen’s Bench in trust for those
persons who may become judgment creditors of the person named in the bond
for claims arising out of contracts on any terms the registrar considers
(b) any trustee, custodian, interim receiver, receiver or liquidator of the
person named in the bond on any terms the registrar considers appropriate;
(c) any person that the registrar considers entitled to the money for a claim
arising out of a contract with the person named in the bond or any
representative or collector of that person.
(6) The registrar shall pay any money not paid pursuant to subsection (5) to the
surety or obligor under the bond after the payment of any expenditures incurred by
the registrar in connection with the forfeiture of the bond and the determination
and settlement of valid claims.
(7) In this section
means an agreement, whether verbal or in writing,
for the doing of anything referred to in the definition of “collection agent”.
R.S.S. 1978, c.C-15, s.21; 2000, c.53, s.2.
Non-application of Act
(1) This Act except subsection (2) of section 29 does not apply to:
(a) any barrister or solicitor or his employee, in the regular practice of
(b) an insurer or agent or employee of an insurer or agent in respect of the
collection of insurance premiums;
(c) a real estate broker or his employee, in respect of the collection of moneys
incidental to his business as a real estate broker;
(d) a person acting as an officer of or under the process or authority of any court;
(e) a person appointed by or under any Act, in respect of the collection of
debts in the due performance of his duty;
(f) any bank to which the
(Canada) applies, or loan corporation or
trust company registered under
The Companies Act
, or to employees thereof
in the regular course of their employment;
(g) any credit union or federation of credit unions registered under
The Credit Union Act, 1998
, or to employees thereof in the regular course of
their employment; or
(h) an isolated collection made by a person whose usual business is not
collecting debts for other persons.
(2) Subsection (1) of section 21 does not apply to a person who engages solely in
collecting debts owed to him within the meaning of subclause (iv) of clause (b) of
R.S.S. 1978, c.C-15, s.22; 1998, c.C-45.2, s.476.
APPEAL FROM REGISTRAR’S DECISION
Appeal to Queen’s Bench
(1) A person who is dissatisfied with a decision of the registrar under this Act
may, instead of applying under section 20 to the registrar for a hearing, within
thirty days from the date of the decision, appeal to a judge of the Court of Queen’s
Bench who may upon hearing the appeal by order do any one or more of the
(a) dismiss the appeal;
(b) allow the appeal;
(c) allow the appeal subject to terms and conditions;
(d) vary the decision appealed against;
(e) refer the matter back to the registrar for further consideration and decision;
(f) award costs of the appeal;
(g) make such other order as to him seems just.
(2) The appeal shall be by notice of motion and a copy thereof shall be served upon the
registrar not less than ten days before the day on which the motion is returnable.
(3) There shall be no further appeal.
R.S.S. 1978, c.C-15, s.23.
FORMS AND RECORDS
Filing of forms and prohibition respecting the use of certain forms
(1) Every collection agent shall file with the registrar:
(a) two copies of each form of agreement that he uses or proposes to use
when entering into agreement with persons for whom he acts;
(b) two copies of each form or form letter that he uses or proposes to use in
making demands for the collection of debts.
(2) No collection agent shall use a form of agreement or other form or form letter
filed under subsection (1) of this section or under subsection (3) of section 6 unless:
(a) a copy of the form has been returned to him bearing an endorsement by
the registrar to the effect that the form has been accepted for filing; and
(b) the form was accepted for filing by the registrar within thirteen months
of the date of its use.
(3) The registrar may refuse to accept for filing any form that he finds to be objectionable.
(4) Where the registrar refuses to accept a form for filing he shall, on being so
requested, specify the reasons therefor.
R.S.S. 1978, c.C-15, s.24.
Records and accounts
(1) Every holder of a collection agent’s licence shall:
(a) keep proper records and books of account showing moneys received and
moneys paid out, including a receipt book, cash book, clients’ ledger, debtors’
ledger, and journal or equivalent machine accounting records satisfactory to
the registrar; and
(b) maintain a trust account in a chartered bank, credit union or trust
company, and shall deposit all moneys received on behalf of a client in the
(2) No money may be drawn from a trust account, except:
(a) money paid to or on behalf of a client from funds which have been
deposited in a trust account to the client’s credit;
(b) money required for payment to the collection agent of his charges
pursuant to an agreement to collect debts or disbursements made on behalf of
a client from money belonging to the client; or
(c) money paid in to the trust account by mistake.
R.S.S. 1978, c.C-15, s.25.
(1) Every licensed collection agent shall appoint one or more auditors,
satisfactory to the registrar.
(2) The auditor or auditors shall have a right of access at all times to all books,
documents, accounts, and vouchers of the collection agent, and are entitled to
receive from the collection agent and from the employees of the collection agent any
information or explanation necessary for the performance of their duties as
auditors, and each of those employees shall at all reasonable times provide such
information or explanations to the auditor or auditors.
(3) The auditor or auditors shall make a report to the collection agent on the
accounts examined by them and on the balance sheet of the business of the
collection agent, and the report shall state:
(a) whether or not they have obtained all the information and explanations
(b) whether in their opinion the balance sheet referred to in the report is
properly drawn up so as to exhibit truly and correctly the state of the affairs of
the business of the collection agent according to the best of their information
and the explanations given to them and as shown by the books of the business
of the collection agent;
(c) in what respect they find the books, documents, accounts, or vouchers
incorrect, or not in accordance with law;
(d) the appropriateness or otherwise of the several forms of account kept by
the collection agent; and
(e) the gross amount of the moneys collected for the preceding twelve months.
(4) The auditor or auditors shall forward to the registrar a copy of every report
made by him or them.
R.S.S. 1978, c.C-15, s.26.
Every licensed collection agent shall in each year cause to be prepared at the
close of his fiscal year, a report on the affairs of the business of the collection agent
for the preceding fiscal year, and a balance sheet of the business of the collection
agent and a statement of profit and loss during the period covered by the report;
and the report, balance sheet and statement of profit and loss shall be signed by the
collection agent, certified by the auditor or auditors and forwarded to the registrar
not later than three months after the close of the fiscal year to which they relate.
R.S.S. 1978, c.C-15, s.27.
Accounting for any payment of money collected
(1) Every collection agent shall, without notice or demand, account for all
moneys collected within thirty days after the end of the calendar month in which
they are collected, and pay them, less his proper charges, to the person entitled
thereto; but where the moneys collected are less than ten dollars, payment shall be
made within sixty days after the end of the calendar month in which they are
(2) Every collection agent shall, upon demand made by a person entitled to an
accounting, or by the registrar, account for all moneys received on behalf of the person
and pay the moneys, less the proper fees of the collection agent, to the person.
(3) Where a collection agent is unable to locate the person entitled to moneys
collected by him within six months after they have been collected, he shall pay the
moneys less his proper charges to the minister with a statement thereof, showing
the full names and last known addresses of the persons entitled thereto, and the
minister shall give to him a receipt therefor, which shall be an effective discharge
R.S.S. 1978, c.C-15, s.28.
(1) No collection agent or collector shall:
(a) collect or attempt to collect for a person for whom he acts any moneys in
addition to the amount owing by the debtor;
(b) make any charge against a person for whom he acts in addition to those
contained in the agreement with that person;
(c) send any telegram or make any telephone call, for which the charges are
payable by the addressee or the person to whom the call is made, to a debtor
for the purpose of demanding payment of a debt;
(d) enter into any agreement with a person for whom the collection agent
acts unless a copy of the form of the agreement is filed with the registrar;
(e) use any form or form of letter to collect or attempt to collect money from
a debtor unless a copy of the form or form of letter is filed with the registrar;
(f) use, without lawful authority, any summons, notice, or demand, or other
document, expressed in language of the general style or purport of any form
used in any court in the province, or printed or written or in the general
appearance or format of any such form.
(g) make telephone calls or personal calls of such nature or with such
frequency as to constitute harassment of the debtor, his spouse or any
member of his family;
(h) make telephone calls or personal calls for the purpose of demanding
payment of a debt:
(i) on a Sunday;
(ii) on a holiday; or
(iii) on any other day except between the hours of eight o’clock in the
forenoon and nine o’clock in the afternoon;
(i) give, by implication, inference or statement, directly or indirectly, any
false information to any person that may be detrimental to a debtor, his
spouse or any member of his family;
(j) give, or threaten to give, by implication, inference or statement, directly
or indirectly, to the person who employs a debtor, his spouse or any member of
his family information that may adversely affect the employment or employment
opportunities of the debtor, his spouse or any member of his family;
(k) make a demand by telephone, by personal call or by writing for payment
of an account without indicating the name of the creditor with whom the
account was incurred, the balance of the account and the identity and
authority of the person making the demand;
(l) make telephone calls or personal calls of such nature or with such
frequency as to constitute harassment of any person in an effort to determine
the present whereabouts of the debtor, his spouse or any member of his
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Debt collectors Information, debt collector is a term for a licensed bill collector and debtor is term for person in debt which is secured or unsecured debt
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