Shellco Credit Systems Ltd University of Western Ontario Unfair, Uncooperative, ignorant, abusive, harrassement Concord, Ontario

I received your threatening letter in the mail today that was dated for July 22nd.

I called in last week on Tuesday the 20th of July, and spoke with another female client personnel who didn't leave me her name. I told her I was making a payment on JULY 29th of $100.  Two days before you wrote this letter. I'm not sure if you received your messages that were suppose to be forwarded to you or not.

I have continually made payments around that much regularly in the past. I do what I can, and I always have funds being transfered to University of Western Ontario from my Bank Account when its available. I know it takes a few days or what not for you to update your records through the banks, the university, and your own recording keeping personnel. This is not my only bill, and I do have living expenses that I have to pay for as well. I don't like owing anyone/company/etc anything, and I thought that I had made it clear that I am trying to clear up my debt with monthly payments that I can afford.

As for the past few months, my payments were less than my usual amount, but were still payments to show good intentions on paying my debts. I'm sorry for that. I lost my job for a few months from April until July. I tried to make the best intentions of paying my debt, and my other creditors, and other living expenses. I have not by any means tried to avoid making payments, or neglecting my responsibility to do so. I just haven't had the funds to make proper payments on the end/beginning periods of every month. 

However, I do make payments and keep recorders of it.

Just please stop with the threatening of court costs, summons, and other legal issues. I'm making payments every month, and this shows I'm making good intentions on paying my debt off. No judge would garnish my wages completely with records to prove I've been doing what I can with what I have. I don't own a car, have a lifes savings, real estate, or any other assets to be seized or repossessed. 

I will be looking into seeking legal advice on how to proceed after this letter though, and would ask that my account be moved to another representative, or to your immediate supervisor.

Please communicate with me by email at this email address, phone calls at ###-###-####, or even communicating with your colleagues who should of kept record of my phone calls when I called. I know you were "on vacation"  recently for some time, but this is ridiculous.