Long story short... I provided my bank info and written authorization to withdraw any payment(s) I owed to a company in May for 2011.

They never processed it. I still have my my copy of the original email and follow-up email I sent them.

I live in Ontario and I need to know the following:

- the law / legislation / statute (and I hope one actually exists) as to when a 'debt' is considered 'past due' and that a company is legally required to notify you in writing of the exact amount and how they came to that figure.
(I ask because I have yet to receive any past due notice from the company itself and I just received a call from a Collection Agency on Saturday)

- the law / legislation / statute that says they MUST provide to me a copy of all written authorizations that I have submitted to their company since I signed the contract.

- the law / legislation / statute that says they are legally obligated to act promptly when given payment information and not wait in order to create a 'default payment' situation.

Any references you can provide would be greatly appreciated.

First - what does the CONTRACT that controls the debt say?