You can request a deferral of payment by sending an email to email@example.com, at least 72 business hours before the collection date. A $25.00 fee will apply. However, by paying on time, you will avoid additional costs related to lack of funds.
Collection Procedure and Credit Rating: CreditClick complies with Canadian legal standards. If a particular situation arises during your repayment period, our collection department will establish a repayment agreement with you, taking into account your situation.In the event that the debtor fails to make any of the payments provided in this contract by the due date,the creditor may require the full payment of any outstanding balance, capital, interest and costs. All judicial and extrajudicial costs that are reasonably incurred in connection with defects in this contract shall be claimed from the debtor for any pre-authorized check or payment returned to the creditor.In the event that no payment agreement is possible between the debtor and the creditor, the creditor may assign the file to a collection agency, which may then affect the credit rating of the debtor.