Can I receive refund on car rental damage deductible if it was paid by insurance
Hello,
I am from Toronto, Ontario. I am living under ODSP (disability) in my sister's house.
On March 2017, I rented a car from Dollar/Thrifty in which I did not purchase LDW insurance. The credit card I was using did not have car rental insurance either.
The next day I was involved in a fender bender with another car in a parking lot. It was partially my fault and partially the other cars fault. There was damages on the back bumper of the car rental and no damages on the other car. I took down the info regarding the other car and driver and did a collision report at a nearby collision reporting center (operated by the police). The police estimated the damage repair cost to be around $1000.
I provided this collision report to Dollar/Thrifty when returning the car. They told me the damage repair cost may be a lot higher than estimated on the report. They tried to charge $600 as the deductible for the damage cost on my credit card which declined (due to insufficient credit). I refused to pay and they threatened to send the debt to a collection agency.
Since then, I have been receiving threatening letters from a collection agency to sue me in court if I refuse to pay. I was waiting for the full details regarding the repair costs to rental car, which I have not received to this date. When I requested for these information from the car rental, they simply told me "your file is no longer in our office" and to contact the collection agency.
I believe the repair costs were paid by the other car's insurance policy. Do I have a chance in winning this deductible debt in court if the repair costs were in fact paid by the other car's insurance?
What can collection agency do if I owe debt and under disability?
Hello,
I am from Toronto, Canada living under ODSP (disability) in my sister's house.
I owe large amount of money to a collection agency. I do not care about my credit score. What can possibly happen if I ignore their demands to pay the money, and they take me to court and win?