I made a mistake in 2005 when I moved back to Alberta and misplaced my terasen gas bill. So they sent it to NCO Financial Services Inc. who got a hold of me and was so rude and mean, I never paid the bill right away. They would start calling me a 6:00 am in the morning and continue until 10:00 PM at night 7 days a week. Finally on Feb.1/06 I decided to make them go away, I called them and made payment arrangements. I paid it that day. It is now Oct. 26/08 and they still have not removed it off my credit file. I have called and asked them... read full review »