ODSP Accesses Credit File

[normanbarrett]

I was the victim of identity theft recently and contacted Equifax to
have a copy of my file sent by mail. Reading it I see ODSP has accessed
my credit report. Any idea why they would do this?

[jbkeh]

They are required to verify your financial qualification - by any and
all means.

[Tony]

Both ODSP and OW can and do access your credit report.
Before I was accepted by ODSP, I was on OW... several months after they
accepted my claim they ran a credit check on me, through Equifax. Then
all hell broke loose:
It seems that there is someone else in Ontario with the same legal name
as me. My name is a rather ordinary, English one. There are probably
others in the province with it. He was not trying to steal my identity
but had 3 lines of credit in his name. OW suspended all benefits and
accused me of lying on my application. I didn't have a clue about
what they were talking about, had never even heard of Equifax before
and explained that what they were stating simply wasn't true.
(Apparently, you are expected to know that Equifax is a credit bureau
without being told...) I didn't know what to do and suggested that
they verify their information using my SIN. I was curtly told,
"it's up to you to do that."
I had to go to an emergency intake worker to get a drug benefit card;
even that was a huge battle. They refused me the card but did cut a
cheque payable to the pharmacy for the exact amount of my monthly
prescriptions, after I got a letter from the pharmacy stating the
amount.
To make a very long story short I had to go to 3 banks, obtain letters
for their senior credit people stating that it wasn't me that had the
lines of credit and have them clear things up with Equifax.
OW did give me retroactive benefits. What I didn't get was
compensation for what they put me through-my situation makes it
difficult for me to deal with running around the way I was forced to
do. It was detrimental to my health.
I know I have gone off-topic but be aware that you may be subject to
the same inhumane, irrational treatment that I was. If you can do
anything to head it off now it would probably be a good idea.
Tony

[Rosie]

Do they not need your permission to do that? I thought that anyone accessing
a credit file needed permission from the person first? I wonder what ODSP
looks for by doing this?

Rosie

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[Dean]

ODSP can access any information they choose if you do not state
specifically, on the "Consent to Release Information" forms they ask you to
sign, what information you are permitting to be released, unfortunately
there are too many of us who believe that, to ensure our allowance is
undisrupted, we must sign over over very being.
I did challenge this, stating specifically, on numerous forms, what
information I would permit to be released, though I admit the one month when
I was denied my allowance without suspension, simply told it was an
administrative error, I was never again questioned about anything, the delay
lasted three days as I sent letters to my MPP (Conservative), my MP
(Conservative), the Minister of Community & Social Services and, a dear
friend, Prime Minister Harper.
ODSP admitted their error, not administrative, and immediately had a cheque
drawn, to everyone I say, this is a democratic society, no matter how much
this Liberal Government (Prov.) tries to adjust otherwise, stand up and be
strong, or let me do it for you, providing you are within the regulations.
Bruce Dean
MPP Candidate, Renfrew-Nipissing-Pembroke, Ontario
Campaign Web Site: www.brucedean.net
Campaign Email: Bruc...@Northcom.net

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[normanbarrett]

They need something in writing to access a credit file and I don't
recall ever giving that to them. Perhaps in the intake, though. I was
kinda out of it that day. I was so excited to be finally getting ODSP I
could hardly think straight!

And what do they do with that info I would like to know? I don't use
credit cards so it can't be a credit thing. By now they realise I don't
have a very high credit rating and I don't like the thoughts of anyone
knowing that. lol.

Keep cool -- this weekend is a real scorcher here in Durham Region. chow

[corrinna]

Would you mind letting me know what I CAN restrict them from?
In terms of credit checks, and other snooping of that nature. Like, do they
really NEED 12 months of bank statements every single time? My own reason
for asking is not that they see my balance, but rather, my statements show
where, what and when I made a purchase, and how much.
Thanks Bruce

Corrinna

[Ugly Person]

----- Original Message -----
From: "corrinna" <corrinna...@gmail.com>
To: <odspfi...@googlegroups.com>
Sent: Friday, July 14, 2006 11:26 PM
Subject: Reply: Re: ODSP Accesses Credit File

>

> Would you mind letting me know what I CAN restrict them from?
> In terms of credit checks, and other snooping of that nature. Like, do
they
> really NEED 12 months of bank statements every single time? My own reason
> for asking is not that they see my balance, but rather, my statements show
> where, what and when I made a purchase, and how much.
> Thanks Bruce

I was told ONE month will do fine (although they still insisted on a year's
worth of hydro bills).
There's not a heck of a lot of ways you can limit them. If you recall when
you joined our little fan club (ODSP I mean) you essentially signed your
life away in all those forms they had you fill out. Oh they have their
limits. If I'm not mistaken, for example, they can't dip into your bank
account to recover an overpayment (nor can they do that with earnings - they
have to dock it from your monthly amount; often in increments. Also I was
glad to learn that they can't put a lien on your home. They can only do
that with the OW crowd but those of us on ODSP are safe from that scare
tactic. Other than that we USUALLY have to play by their rules. BUT if you
feel they are being unfair (not including what I just described) then you
can run it by us, or possibly a lawyer. Maybe even your case worker if you
have a sympathetic one (as opposed to a pathetic one - I've had both). As
I've told my wife when dealing in such difficult situations, read the fine
print and give them what they ask for. NOTHING MORE, since it's none of
their business and it seems wise to keep it that way.

Luckily, they don't SEEM to care much as to what you buy or where you shop -
they want balances. However, for accounts that don't issue statments,
that's a problem. I had to get them mailed to me specifically - for a
service charge. ODSP wouldn't reimburse me for this cost. Luckily my wife
was more successful. She too had an account with those circumstances.
Different bank. They made a new statement for free. But I refuse to bank
there. New Year's Eve 1998 I went there late at night (when I had my account
there) to get some money for New Year's munchies. I was assaulted by a guy
who came up behind me without warning. I fought him off and he fled, never
to be caught. By this I mean I struggled with his headlock (and throwing
punches all the while at my face) until I neared the exit. Suddenly he let
go and fled. I never got a look at him. I felt vulnarable near banks for a
very long time after that and I refuse to have an account there ever again.
They took me by ambulance to the hospital where I was treated and released.
My wife and her friend came to pick me up (as the friend has a car). In all
this he didn't get my money. He did, however, get my glasses. The optician
was very kind in expediting the order for a replacement and even ODSP was
reasonably quick with the paperwork. It's dangerous out there.

-Sean

[Annie]

I have Internet Banking. I just copy and print my account and send
that.. ODSP seems fine with that!

BTW. Happy Birthday Sean, You should have told us sooner!
We could've had a party!!!
Next year say something earlier..
Annie

Ugly Person wrote:
> I was told ONE month will do fine (although they still insisted on a
> year's
> worth of hydro bills).
>

> ----they want balances. However, for accounts that don't issue statments,

[Jeff McKinnon]

Hi Guys:

My office definitel doesn't take the mini-bank statements you get when you
use the bank machine.

I deal with Scotiabank and they keep saying that we can go paperless, but
obviously because we are on ODSP, we aren't allowed to do this!

I think particularly with bank accounts they seem to focus on chequing
accounts and wanting to know what cheques are written for.

On that, my Mom always wants me to write a cheque to pay for what I ay her
for and I keep saying No.

I will be going to Vancouver in just under 2 weeks! I am thinking of a
money order from Western Union for $3.00 to pay back my brother!

witty

----- Original Message -----
From: "Annie" <hug...@cogeco.ca>
To: <odspfi...@googlegroups.com>

Sent: Saturday, July 15, 2006 5:31 AM
Subject: Reply: Re: ODSP Accesses Credit File

>

[mspeppercat]

ok here we go again with the credit card dilemma
I understand your allowed to have a credit card
and at interview time you should reveal how much you owe on it
Angela what are your thoughts on this
is it considered income?

----- Original Message -----
From: "cleverwit" <brend...@sympatico.ca>
To: "ODSP Fireside" <odspfi...@googlegroups.com>

Sent: Monday, July 17, 2006 5:16 PM
Subject: Reply: Re: ODSP Accesses Credit File

> They concider credit to be income and if you don't report it they will
> accuse you of "failing to report income" and suspend you from
> eligibility to receive benefits.

>
>
> >
>
>
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[abrowne]

Brenda,

I never heard of anybody on OW and ODSP being able to afford

anything BUT the necessities of life and many times, not even

having enough for that.

cleverwit <brend...@sympatico.ca> wrote:

It's actually someone's job to track the spending habits of "welfare"
recipients, to ensure we are spending our money on necessities of life

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[Michael Hampson]

----- Original Message -----

From: abrowne

To: odspfi...@googlegroups.com

Sent: Monday, July 17, 2006 10:15 PM

Subject: Reply: Re: ODSP Accesses Credit File

[Andreya]

How can credit be considered income in any universe? It's debt.

[abrowne]

Michael,

Less than 10% of recipients live in RGI housing, so that means

90% live in market housing and pay the same prices for everything

that everybody else does.  Those in market housing tend to spend

a portion of their special needs budget for housing ... thus, the big

rush for the special diet applications last year.

A

Michael Hampson <thinkatw...@sympatico.ca> wrote:

Subject: Reply: Re: ODSP Accesses Credit File

i WONDER IF WE HAVE ACCESS TO THE INFORMATION GATEHRED REGARDING OUR SPENDING HABITS, I FEEL THIS INFORMATION COULD PROVE USEFUL TO US , FOR EXAMPLE IT MAY SHOW HOW MUCH WE SPEND ON RENT ABOVE AND BEYOND THE SHELTER ALLOWANCE....

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[abrowne]

It is just another way to make ODSPers not be like everyone else.

I am working on things one at a time.

A

Andreya <andr...@gmail.com> wrote:

How can credit be considered income in any universe? It's debt.

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Everyone is raving about the all-new Yahoo! Mail Beta.

[Ugly Person]

----- Original Message -----
From: "mspeppercat" <mspep...@cogeco.ca>
To: <odspfi...@googlegroups.com>
Sent: Monday, July 17, 2006 7:38 PM
Subject: Reply: Re: ODSP Accesses Credit File

>

> ok here we go again with the credit card dilemma
> I understand your allowed to have a credit card
> and at interview time you should reveal how much you owe on it
> Angela what are your thoughts on this
> is it considered income?

That's bizarre. If you owe on it, then you obviously don't have that money.
And when you DO get the money to pay it off, then the money STILL isn't
there.

[egm]

Hi Cleverwit:

I do not understand how ODSP can tell if we are "spending our money on
necessities of life"? Do they get a detailed copy of your receipt?
For example, if you shop at Wal-Mart, and pay by debit card, they would
know you shopped there, how much, and when, but how would they know
whether you bought food, clothing, health supplies, or other items?

Also, are we deemed as not being able to determine how to spend OUR
money?

What kind of profile do they do? Just curious.

Thank you.

cleverwit wrote:
> It's actually someone's job to track the spending habits of "welfare"

> recipients, to ensure we are spending our money on necessities of life.

[Karin]

I kept all my Wal-Mart receipts. Including the ones where I bought
both parents' diapers. I told the hospital staff, I am not allowed to
get into debt, I had no access to my father's banking. The social
worker would withdraw some of my father's money and repay me, that got
me in hot water with ODSP. Unfortuanetly if a review should come up,
the Wal-Mart receipts have faded to the point you can't read them.
Whatever health care items I buy for myself now, I photo copy the
receipts. A debt is not a credit, weird ODSP rules.

Karin

egm wrote:
> Hi Cleverwit:
>
> I do not understand how ODSP can tell if we are "spending our money on
> necessities of life"? Do they get a detailed copy of your receipt?
> For example, if you shop at Wal-Mart, and pay by debit card, they would
> know you shopped there, how much, and when, but how would they know
> whether you bought food, clothing, health supplies, or other items?
>

oney on necessities of life.

[mspeppercat]

ya I was wandering the same thing
I just can not see the odsp getting detailed reports of everything we buy
pertaining to credit cards or debit cards
is crazeeeeeee

patty

----- Original Message -----
From: "egm" <evelyngo...@canada.com>
To: "ODSP Fireside" <odspfi...@googlegroups.com>
Sent: Friday, July 21, 2006 12:00 AM
Subject: Reply: Re: ODSP Accesses Credit File

>

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[mspeppercat]

what do u mean you got into hot water
you were just being re inbursed
I do not think the odsp expects us to keep receipts of purchases
I have never been asked for anything like that and I have been on odsp since
1989

----- Original Message -----
From: "Karin" <tauru...@hotmail.com>
To: "ODSP Fireside" <odspfi...@googlegroups.com>
Sent: Friday, July 21, 2006 1:19 PM
Subject: Reply: Re: ODSP Accesses Credit File

>

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[Rosie]

When I called them about this a year ago, they told me that we don't have to
report credit purchases unless it's a "major" purchase, but they didn't
define what they consider to be major purchases - I'm assuming something
like a vehicle, a home, cottage etc.

Rosie

----- Original Message -----
From: "cleverwit" <brend...@sympatico.ca>
To: "ODSP Fireside" <odspfi...@googlegroups.com>
Sent: Monday, July 17, 2006 5:16 PM
Subject: Reply: Re: ODSP Accesses Credit File

> They concider credit to be income and if you don't report it they will
> accuse you of "failing to report income" and suspend you from
> eligibility to receive benefits.
>
>
> >
>

__________________________________________________

[Rosie]

I always treat myself to something every month, I'd go nuts if I didn't. If that means I eat a few more kraft dinner meals, so be it. One cannot live long term with only the "necessities of life" without it affecting one's mental health.

 

Rosie

 

 

----- Original Message -----

From: abrowne

To: odspfi...@googlegroups.com

Sent: Monday, July 17, 2006 10:15 PM

Subject: Reply: Re: ODSP Accesses Credit File

[abrowne]

EGM,

I read with horror in the US, many people esp. those with

mental health issues are expected to have a trustee to

manage their version of disability income for them.  The

day I have to do that would be the day I would die.  I

would probably legally challenge it.

 

As somebody else said here, just living with the "basics"

for a long time is not good for one's mental health ... to

mean they can never go out for a coffee, never take a

course, never rent a movie, etc.  I would go bonkers ..

but unfortunately, I am pretty well in that position right

now.  And then people wonder why I am so depressed.

Angela

egm <evelyngo...@canada.com> wrote:

I do not understand how ODSP can tell if we are "spending our money on

necessities of life"? ...

Also, are we deemed as not being able to determine how to spend OUR
money?

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[abrowne]

Hi Rosie,

I see what you mean.  I blame a lot of my depression now because

I can't even afford a cup of coffee with a friend or to go anywhere.

My region has lots of things to do for people who have money and/or

have a vehicle to get them there, but they have next to nothing for

people who don't have money. 

A

Rosie <msros...@yahoo.ca> wrote:

I always treat myself to something every month, I'd go nuts if I didn't. If that means I eat a few more kraft dinner meals, so be it. One cannot live long term with only the "necessities of life" without it affecting one's mental health.

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[Rosie]

I don't think it's too much to ask for - it's not like we're asking to live in $500,000 homes or anything. Having enough money to see a movie every month, or go to an amusement park or whatever isn't asking for the moon.

 

Rosie

 

 

----- Original Message -----

From: abrowne

To: odspfi...@googlegroups.com

Sent: Saturday, July 22, 2006 1:44 PM

Subject: Reply: Re: ODSP Accesses Credit File

[abrowne]

Rosie,

I agree.  I have absolutely nothing left for anything.  Even

paying necessities takes me over the amount for what

we get on ODSP, so it's digging into my line of credit

just to eat properly.  Financial stress is major for me; I

just went to get groceries and the cab driver started the

meter running right when he started and tried to charge

me until after my husband and kids took the bags out of

his car.  I just can't afford it anymore.  He was very rude

to us when I told him I didn't have the extra two dollars

he was trying to charge us.

 

My mother comes over and wants to take us to various

places and expects me to pay half the costs ... I can't

even do that, so I just tell her to take my kids.  I don't

go ANYWHERE ... literally.  Transportation is at least

$11.50 for a round trip just in the city for husband and

kids, assuming I have my bus pass ...

 

I would love to go swimming with the kids too, but I

can't even afford that ... it's the $11.50 bus fare, plus

at least $10.00 total for our admission fees.  Nothing's

free in this city.  It seems everybody is trying to rob

somebody else of money ... including some of my

clients who just disappeared with about $14,000 of

my money, which could have helped me get through

the winter ... but I may just as well close my office, as

nobody seems to want to pay anymore, yet I am

expected to pay, pay, pay ...

A

Rosie <msros...@yahoo.ca> wrote:

I don't think it's too much to ask for - it's not like we're asking to live in $500,000 homes or anything. Having enough money to see a movie every month, or go to an amusement park or whatever isn't asking for the moon.

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[abrowne]

Charmaine,

Your husband is different.  For the people I was referring to,

they wanted people's parents, or other family members to

do this ... and they assume that people with mental health

problems don't know how to handle money.  I never had

problems in that area.  I simply don't have enough to handle.

A

Charmaine Voisine <charmain...@gmail.com> wrote:

My husband is on my ODSP (as Trustee), but it really does not change things.

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[mspeppercat]

you have to treat yourself to something once in a while

I can get a few bucks discount off at shoppers drug mart to go to a few things in the summer

it helps

we took my neighbours child to waterworks wave pool 

Price per adult is  14.50.

I  paid only 11.90 as shoppers has 2 50 off and also another 60 cents because I have an optimum card

I had an absolute blast but got burned to a  crisp and my suntan lotion had expired.....  It never even occurred to me to check the date on the

lotion bottle

around here in Hamilton there are lots of free festivals which is good... festival of friends coming up in august

there was  the Canada day celebration July 1 weekend

Down at our waterfront you can get  a trolley car ride ( (90 minute ride) 2 dollars per adult I believe and 1 for child

there are things out there..you just have to know where they are

we pack picnics and take them instead of buying lunches.. just make things that we have in the house

hope these are a few tips for some who need to get out

 

patty

 

 

----- Original Message -----

From: abrowne

To: odspfi...@googlegroups.com

Sent: Saturday, July 22, 2006 8:37 PM

Subject: Reply: Re: ODSP Accesses Credit File

[abrowne]

Patti,

That's my point, after I pay for housing, utilities, phone,

household and food, I am $400 - $800 on my line of

credit.  I have NO discretionary income whatsoever.

I can't even afford the $11.50 for me to get into that

park you said you were able to get into one time.  I

simply have NO money.  In Niagara, we have a lot of

activities too, but very few of them are free ... even the

"party" they had for the 1st of July charged money for

things like face painting and pony rides ... plus the

transportation to get my family there and back would

be exorbitant at best ... as buses weren't running and

taxi is at least $15 for each way.  If I am ever lucky

enough to leave this region, I will not go quietly because

this region despite having about the same number of

people as Hamilton has very few services, almost no

inter-city transit and very poor transit in the 3 cities

(out of 12) that has transit at all.  Most young people

attending college or university here leave right after they

graduate because this region has little to offer them ...

it has little to offer me too and I would love to pick up

and move, but I've got no money to do that either.

A

mspeppercat <mspep...@cogeco.ca> wrote:

you have to treat yourself to something once in a while

I can get a few bucks discount off at shoppers drug mart to go to a few things in the summer

it helps

we took my neighbours child to waterworks wave pool 

Price per adult is  14.50.

[mspeppercat]

I hear you Angela

 I am fortunate to have  good friends or I would be housebound tooo

I just wanted to let people know there are some things around here that you can get to and they are free

Also Spencer Smith park in Burlington has festivals that are free  and the Parkdale bus will take you right there

and remember to get a transfer cause the transfer is good for 2 hours

Also a cheap way of getting to Niagara Falls..   cost about 26 bucks or more on the bus return

book  a casino  coach.. it costs you 10 bucks to get on...

 that is if you can swing the 10 bucks

then when you get   to the casino you get the 10 bucks back in chips

you do not have to stay at the casino..  You spend your 10 bucks in chips or  float around a while at the casino then cash the chips  back in

You walk down to the falls.. enjoy the sites... is free to look at the falls  ..and it is not far at all from the Casino

you take a picnic lunch

then return back to the bus when it is time to go back to Hamilton.. I have done that several times in the past few years

Is the best possible way to get to the falls and spend the day and at most it will cost you 10 bucks

 

Patty

 

----- Original Message -----

From: abrowne

To: odspfi...@googlegroups.com

Sent: Sunday, July 23, 2006 1:04 AM

Subject: Reply: Re: ODSP Accesses Credit File

[Karin]

I buy clothing items at value village. Then I go to Winners to buy
something new. My top is 2nd hand, the bottom brand new. For that I
use my VISA. Sometimes I am out of money by the 20th of the month.
St. Lawrence Market sells food cheap after 4 or 5pm on Saturdays.
Scarborough Town Centre sells boxes of sushi half price. I'm lucky to
be able to move about and take advantage of bargains. Once a month I
buy a banana split from the icecream truck. Gotta keep my sanity with
this pittance of an allowance. Then there is free admission to the
ROM, AGO and lots more. I bike, walk if I don't have the bus fare.
Takes me 4 hours to walk to downtown, what else have I got to do?

karin

Rosie wrote:
> I always treat myself to something every month, I'd go nuts if I didn't. If that means I eat a few more kraft dinner meals, so be it. One cannot live long term with only the "necessities of life" without it affecting one's mental health.
>
> Rosie
>
>
> ----- Original Message -----
> From: abrowne
> To: odspfi...@googlegroups.com
> Sent: Monday, July 17, 2006 10:15 PM
> Subject: Reply: Re: ODSP Accesses Credit File
>
>
> Brenda,
> I never heard of anybody on OW and ODSP being able to afford
> anything BUT the necessities of life and many times, not even
> having enough for that.
>
> cleverwit <brend...@sympatico.ca> wrote:
> It's actually someone's job to track the spending habits of "welfare"
> recipients, to ensure we are spending our money on necessities of life
>
>

> --------------------------------------------------------------------------------

[Karin]

For different reasons I am blacklisted at the local ODSP office. They
check everything and anything that I do.

Karin

[Bonnie Briggs]

<SNIP>

book  a casino  coach.. it costs you 10 bucks to get on...

 that is if you can swing the 10 bucks

then when you get   to the casino you get the 10 bucks back in chips

you do not have to stay at the casino..  You spend your 10 bucks in chips or  float around a while at the casino then cash the chips  back in

You walk down to the falls.. enjoy the sites... is free to look at the falls  ..and it is not far at all from the Casino

you take a picnic lunch

then return back to the bus when it is time to go back to Hamilton.. I have done that several times in the past few years

Is the best possible way to get to the falls and spend the day and at most it will cost you 10 bucks

 

Patty

 

 

Hi Patty,

  Is that from Toronto? Wouldn't you have to pay again on the way back, or is that round trip ? That sounds like a great day trip. I don't gamble, so I wouldn't be interested in going to the casino, but I would like to see the falls and some of the sights. Thanks for the suggestion, Patty. Maybe I'll do it next year, right now, my finances are tied up in the two trips I have planned already this year. But it is something to think about for next summer.

Bonnie

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[abrowne]

Hi,

Yes this is one way I believe.  It cost me $30 for a trip to

Toronto, yet for a city in my own region because they don't

have inter-city transit, it cost $60 or more by cab.

That's why 99.9% of the time, unless I am in my office

or grocery shopping I am at home.

A

Bonnie Briggs <rbbrig...@yahoo.ca> wrote:

Is it from Toronto? Wouldn't you have to pay again on the way back, or is that round trip ? That sounds like a great day trip. I don't gamble, so I wouldn't be interested in going to the casino, but I would like to see the falls and some of the sights. Thanks for the suggestion, Patty. Maybe I'll do it next year, right now, my finances are tied up in the two trips I have planned already this year. But it is something to think about for next summer.

---

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[mspeppercat]

hi
yes this is round trip by  Casino Coach for only 10  bucks

you can not beat it

pick up is stoney creek hamilton and burlington

Toronto I believe has a casino bus that goes as well but I do not know the rates for them

sorry

but it is worth looking into

take care patty

stay cool everyone

 

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From: abrowne

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[abrowne]

Patti,

That's nice, but I don't even have the ten bucks for me,

never mind times four for my family to go anywhere.

That's why I am trapped in my own home ...

A

P.S. Patti, I did let this post through, but next time

        you reply to a posted message, please ... clip the

        old text down to ONLY what you are replying to.

        It's much easier on my (aging) eyes ;-)

A

mspeppercat <mspep...@cogeco.ca> wrote:

hi
yes this is round trip by  Casino Coach for only 10  bucks

you can not beat it