---------- Original message ----------
From: "MinFinance / FinanceMin (FIN)" fin.minfinance-financemin.fin@canada.ca
Date: Tue, 10 Oct 2017 20:41:17 +0000
Subject: RE: Attn Josée Thibodeau as i told the young lady on the phone I have already been there and done that Ask the banksters or the RCMP
To: David Amos motomaniac333@gmail.com
The Department of Finance acknowledges receipt of your electronic correspondence. Please be assured that we appreciate receiving your comments.
Le ministère des Finances accuse réception de votre correspondance électronique. Soyez assuré(e) que nous apprécions recevoir vos commentaires.
---------- Original message ----------
From: Contact Bankingombuds contact@bankingombuds.ca
Date: Tue, 10 Oct 2017 15:17:20 -0400
Subject: Re: Methinks I should call this Round Two about my indignation towards CBC's big revelations about banksters etc today EH Dean Buzza?
To: David Amos motomaniac333@gmail.com
Dear Sir,
The ADR Chambers Banking Ombuds Office (ADRBO) acknowledges receipt of your email noted below.
Our mandate is limited to investigating complaints and recommending compensation in cases involving an act or omission by the bank in the provision of a financial service to a customer that results in a a loss, damage or harm by either DirectCash Bank (DCB), TD Bank Group (TD) and/or the Royal Bank of Canada and/or one of its subsidiaries (RBC). A copy of our Terms of Reference is attached for your review.
ADRBO cannot entertain complaints until the internal bank complaint process, which includes the Ombudsman, has been exhausted or if it has been 90 days since your concerns were brought to the attention of Senior Management at the bank and you receive a letter indicating this and presenting the option to escalate to our office from the bank Ombudsman.
Has the bank Ombudsman reviewed your complaint and provided you their final written response?
If yes, our office may proceed with the intake of your complaint. Please confirm which bank your complaint pertains to and our office will forward you intake documents for your review and completion.
If not, please escalate your complaint to the bank Ombudsman for their review. Depending on which financial institution your request is regarding to, the bank Ombudsman can be reached at:
DirectCash Bank
Bay 6, 1420 - 28th Street NE
Calgary, Alberta
T2A 7W6
Phone: 1-888-466-4043
Email: customersupport@directcashbank.com
or
RBC Office of the Ombudsman
PO Box 1, Royal Bank Plaza
Toronto, Ontario
M5J 2J5
Toll Free: 1-800-769-2542
Fax: 416-974-6922
Email: ombudsman@rbc.com
https://ombudsman.rbc.com/i-sight/rbcexternal.nsf/CaptureExtAlt?openform
or
TD Bank Group
Office of the Ombudsman
PO Box 1
Toronto-Dominion Centre
Toronto, ON
M5K 1A2
Toll-Free: 1-888-361-0319 or 416-982-4884
Fax: 1-866-891-2410 or 416-983-3460
Email: td.ombudsman@td.com
Should you not agree with the bank Ombudsman's final written response once received, and/or once it has been over 90 days without a response from their Senior Management and you receive a letter indicating this and presenting the option to escalate to our office from the bank Ombudsman, you may at that time, escalate your complaint to our office.
Please note your Complaint Reference Number, OMB-7248-1017, in all future communications with us.
Yours truly,
Josée Thibodeau
ADR Chambers Banking Ombuds Office (ADRBO)
P.O. Box 1006
31 Adelaide Street East
Toronto, ON
M5C 2K4
Toll-Free Telephone: 1-800-941-3655
Toll-Free Fax: 1-877-803-5127
Website: www.bankingombuds.ca
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---------- Original message ----------
From: "MinFinance / FinanceMin (FIN)"
fin.minfinance-financemin.fin@canada.ca
Date: Tue, 10 Oct 2017 19:03:51 +0000
Subject: RE: Methinks I should call this Round Two about my indignation towards CBC's big revelations about banksters etc today EH Dean Buzza?
To: David Amos motomaniac333@gmail.com
The Department of Finance acknowledges receipt of your electronic correspondence. Please be assured that we appreciate receiving your comments.
Le ministère des Finances accuse réception de votre correspondance électronique. Soyez assuré(e) que nous apprécions recevoir vos commentaires.
---------- Original message ----------
From: David Amos motomaniac333@gmail.com
Date: Tue, 10 Oct 2017 15:03:44 -0400
Subject: Methinks I should call this Round Two about my indignation towards CBC's big revelations about banksters etc today EH Dean Buzza?
To: hgeller@mbclaw.ca, mcu@justice.gc.ca, jan.jensen@justice.gc.ca, gopublic@cbc.ca, dean.buzza@rcmp-grc.gc.ca, Bill.Morneau@canada.ca, Diane.Lebouthillier@cra-arc.gc.ca, hon.ralph.goodale@canada.ca, Larry.Tremblay@rcmp-grc.gc.ca, Erica.Johnson@cbc.ca, harvey.cashore@cbc.ca>, dcumming@schulich.yorku.ca,
rick.hancox@nbsc-cvmnb.ca, denis.landry2@gnb.ca, contact@bankingombuds.ca, td.ombudsman@td.com, ombudsman@rbc.com, citicanadaombudsman@citigroup.com, ombudsman@scotiabank.com, ombudsman@cibc.com, ombudsman@obsi.ca, alan.sinclair@ubs.com, washington.field@ic.fbi.gov, Boston.Mail@ic.fbi.gov, Jacques.Poitras@cbc.ca, darrow.macintyre@cbc.ca martine.turcotte@bell.ca>, mirko.bibic@bell.ca, steve.murphy@ctv.ca, nmoore@bellmedia.ca, David.Akin@globalnews.ca, newsroom@globeandmail.ca, acotroneo@cba.ca, Dominic.Cardy@gnb.ca, blaine.higgs@gnb.ca, briangallant10@gmail.com, greg.byrne@gnb.ca, Jack.Keir@gnb.ca, rick.doucet@gnb.ca, David.Coon@gnb.ca, david@lutz.nb.ca, curtis curtis@marinerpartners.com
Cc: david.raymond.amos@gmail.com, adaimsis@uottawa.ca, Christopher.Montague@td.com, Frank.McKenna@td.com, david.braunstein@td.com
As I read the statements below I could not help think fancy banksters
and political people I crossed paths with over the years such of
Stevey Boy Harper, Mark Carney Frank MacKenna, Alan Rock and of course
the CBC and TD Ombudsmen et al.
http://www.cbc.ca/news/canada/british-columbia/td-customer-fraud-unhappy-1.4341899
TD Bank customer frustrated with fraud investigation leaving him owing thousands
Bank refunds 2 customers after CBC inquiries about fraud charges on
debit and credit cards
By Bal Brach, CBC News Posted: Oct 10, 2017 5:00 AM PT
"TD Canada Trust, and subsequently the bank's ombudsman, denied
McFarlane's fraud claim. They said there was no PIN mismatch at the
ATM, therefore leaving the customer responsible for the transactions.
"They say there was no way the pin was mismatched, but then when I was
on the phone with the woman she said there's been eight other
mismatches on the pin," said McFarlane.
"So in their own letter they say that didn't happen, but in their own
transcript of the conversation, that doesn't jive. It's a direct
contradiction."
"McFarlane's story is similar to others reported by CBC in the past. a
legal expert who specializes in contract law says the cardholder
agreement heavily favours banks in cases of fraud.
"The justification that banks have used is that PIN technology is very
secure, so to the extent that your PIN has been compromised, you need
a very good reason why we should reimburse you," said lawyer and
University of Ottawa law professor Anthony Daimsis.
"But I think that kind of thinking is 10 or 15 years old. We're seeing
more and more that PIN technology is not as secure as we'd hoped."
aNTHONY
Legal expert Anthony Daimsis says consumer protection laws need to be
updated to reflect technological advances when it comes to bank fraud.
(CBC News)
Daimsis says banks have a lot of power to decide whether or not to
support their customers.
He believes consumer protection laws need to be changed to give
cardholders more recourse if they feel their claim is unfairly
handled.
"I wouldn't wait for the banks to change anything because they have no
incentive to change it. There's no competition for them," he said.
"So this for me is really for the provinces to fix their laws to
better protect their consumers."
Daimsis, Anthony
Anthony Daimsis
Professor
Faculty of Law, Common Law Section
Common Law
Contact Information:
Office: 613-562-5800 (3211)
E-mail: adaimsis@uOttawa.ca
---------- Forwarded message ----------
From: David Amos david.raymond.amos@gmail.com
Date: Wed, 14 Jan 2009 19:38:08 -0400
Subject: I am certain that all the liberal lawyers such as Allan Rock,
Stephen Owen and Stephen Toope remember me EH Stockwell Day?
To: day.s@parl.gc.ca, stoffp1@parl.gc.ca
Cc: radamson@sfu.ca, stephen.owen@ubc.ca, president@uottawa.ca,
patricia.stevens@ubc.ca, peter.dauvergne@ubc.ca, basil.waugh@ubc.ca,
.bmiazga@uottawa.ca
Clearly some students and their teachers know where to look to get a
hell of an education.about the economy from a dumb Maritimer EH?
Just Dave
By Location Visit Detail
Visit 6,698
Domain Name uottawa.ca ? (Canada)
IP Address 137.122.97.# (University of Ottawa)
ISP University of Ottawa
Location Continent : North America
Country : Canada (Facts)
State/Region : Ontario
City : Ottawa
Lat/Long : 45.4167, -75.7 (Map)
Language English (U.S.) en-us
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Visit Number 6,698
---------- Forwarded message ----------
From: "Montague, Chris" Christopher.Montague@td.com
Date: Sun, 4 Nov 2012 01:03:38 -0500
Subject: Out of Office: The CBC, DND, RCMP, INTERPOL Romney and many
evil lawyers such as Mr Spitzer and Mr Bauer dare not deny why Obama,
Bloomberg and Christie became the best of friends BEFORE a "Perfect
Storm" hit the Jersey Shore and made for great surfing in
To: David Amos motomaniac333@gmail.com
I am out of the office and will be returning on Tuesday, November 6, 2012.
NOTICE: Confidential message which may be privileged. Unauthorized
use/disclosure prohibited. If received in error, please go to
www.td.com/legal for instructions.
AVIS : Message confidentiel dont le contenu peut être privilégié.
Utilisation/divulgation interdites sans permission. Si reçu par
erreur, prière d'aller au www.td.com/francais/avis_juridique pour des
instructions.
David Braunstein
Senior Managing Counsel:
Called to the bar: 1999 (ON)
TD Bank Group
12th Flr., TD Tower, TD Centre
PO Box 1, Stn. Toronto Dom.
Toronto, Ontario M5K 1A2
Phone: 416-944-5758
Fax: 416-982-6166
Email: david.braunstein@td.com
---------- Forwarded message ----------
From: David Amos david.raymond.amos@gmail.com
Date: Mon, 9 Mar 2009 17:34:50 -0300
Subject: Perhaps somebody will call me back now EH Ms. Clark? 506 756 8687
To: cfibpolicy@ns.sympatico.ca, consulate@ottawa.polemb.net,
palmetpr@gov.ns, Leanne.Hachey@cfib.ca, pugwashdc@aol.com,
nlanger@stimson.org, joliver@stimson.org, bblechman@stimson.org,
aboucher@stimson.org, wdurch@stimson.org, pugwash.GE@gcsp.ch,
pugwash@mac.com, linda@imaginecreativity.com, nclark@cba.ca,
ombudsman@obsi.ca, buckley@rogers.com, Peter.Jones@uottawa.ca,
Robert.Asselin@uottawa.ca, ljuillet@uottawa.ca, president@uottawa.ca
Cc: webo@xplornet.com
I just talked to the man in the Banker's Umbudsman's office who has
had my file since 2005. Lets just say that I was greatly offended.
http://www.cba.ca/en/ViewDocument.asp?fl=176&sl=178&tl=&docid=262
http://www.cba.ca/en/toolbar/contact.asp
Nathalie Clark
General Counsel and
Corporate Secretary
Tel: (416) 362-6093, ext. 214
E-mail: nclark@cba.ca
As I am trying to contact the Pugwash people once again I cross paths
with more nasty Yankees trying hard to play dumb?
Need I say that Non Profit corps such as this offend me greatly?
http://www.stimson.org/about/?SN=AB200111059
Veritas Vincit
David Raymond Amos
---------- Forwarded message ----------
From: David Amos david.raymond.amos@gmail.com
Date: Fri, 6 Mar 2009 13:57:48 -0400
Subject: Trust that whatever covert deal that Bernie Madoff and KPMG
etc may make with the Feds they are not fooling mean old me
To: horwitzd@dicksteinshapiro.com, Robert.Nardoza@usdoj.gov,
usama.media@usdoj.gov, Wendy.Olsen@usdoj.gov
Cc: oig@sec.gov
horwitzd@dicksteinshapiro.com
---------- Forwarded message ----------
From: "Sartory, Thomas J." TSartory@goulstonstorrs.com
Date: Fri, 6 Mar 2009 07:41:20 -0500
Subject: RE: I did talk the lawyers Golub and Flumenbaum tried to
discuss Bernie Madoff and KPMG etc before sending these emails
To: david.raymond.amos@gmail.com
Dear Mr. Amos,
I am General Counsel at Goulston & Storrs. Your email below to
Messers. Rosensweig and Reisch has been forwarded to me for response.
While it's not clear what type of assistance, if any, you seek from
Goulston % Storrs, please be advised that we are not in a position to
help you. Please do not send further communications to any of our
attorneys. We will not be able to respond, and your communications
will not be protected by the attorney-client privilege.
We wish you well in the pursuit of your concerns.
Sincerely,
Thomas J. Sartory
---------- Forwarded message ----------
From: David Amos motomaniac333@gmail.com
Date: Wed, 17 Apr 2013 21:51:50 -0300
Subject: All the people crying about their pensions need to have
Franky McKenna explain what I said about Victor Boudreau's budget in
2009 EH Mr Sinclair?
To: td.ombudsman@td.com, citicanadaombudsman@citigroup.com,
ombudsman@scotiabank.com, ombudsman@rbc.com, ombudsman@cibc.com,
ombudsman@obsi.ca, alan.sinclair@ubs.com, rick.hancox@nbsc-cvmnb.ca,
oldmaison@yahoo.com, leader@greenparty.ca, evelyngreene@live.ca,
thepurplevioletpress@gmail.com, wearefredup@gmail.com, acampbell@ctv.ca
Cc: david.raymond.amos@gmail.com
---------- Forwarded message ----------
From: David Amos motomaniac333@gmail.com
Date: Wed, 17 Apr 2013 21:47:08 -0300
Subject: All the people crying about their pensions need to have
Franky McKenna explain what I said about Victor Boudreau's budget in
2009 EH Mr Sinclair?
To: td.ombudsman@td.com, Frank.McKenna@td.com,
blaine.higgs@gnb.ca, victor.boudreau@gnb.ca, John.Sinclair@nbimc.com,
Gilles.Moreau@rcmp-grc.gc.ca, Gilles.Blinn@rcmp-grc.gc.ca, Wayne.Lang@rcmp-grc.gc.ca, briangallant10@gmail.com, execdirgen@nbliberal.ca, john.green@gnb.ca
Cc: david.raymond.amos@gmail.com, police@fredericton.ca, brent.blackmore@fredericton.ca, oldmaison@yahoo.com, andre@jafaust.com, Robert.Jones@cbc.ca
http://www.cbc.ca/news/canada/new-brunswick/story/2013/04/17/nb-pension-meeting-saint-john.html
From: Elizabeth May leader@greenparty.ca
Subject: Thank you for your message / Merci pour votre courriel Re:
Pre budget heres a little Deja Vu for Franky Boy McKenna Mikey Baby
Archibald Chucky Leblanc's biggest blogger butt buddy
To: David Anos
Date: Sunday, June 17, 2012, 7:34 PM
Thank you for your email. We will work to ensure that a response is
sent to you as soon as possible.
Nous vous remercions d’avoir pris le temps de nous écrire. Nous ne
ménagerons aucun effort pour vous transmettre notre réponse dans les
meilleurs délais.
Leader's Office Correspondence Team
Équipe de correspondance du Bureau de la chef
--
Green Party of Canada
Parti vert du Canada
1-866-868-3447
www.greenparty.ca
From: David Amos
Subject: Pre budget heres a little Deja Vu for Franky Boy McKenna
Mikey Baby Archibald Chucky Leblanc's biggest blogger butt buddy
To: oldmaison@yahoo.com, leader@greenparty.ca, Frank.McKenna@td.com,
thepurplevioletpress@gmail.com, evelyngreene@live.ca,
wearefredup@gmail.com, acampbell@ctv.ca
Cc: td.ombudsman@td.com, citicanadaombudsman@citigroup.com,
ombudsman@scotiabank.com, ombudsman@rbc.com, ombudsman@cibc.com,
ombudsman@obsi.ca, alan.sinclair@ubs.com, rick.hancox@nbsc-cvmnb.ca
Date: Sunday, June 17, 2012, 7:34 PM
Mike Archibald
122 Foxhunt Rd
Waterloo, ON N2K 3N1
(519) 747-3984
http://davidamos.blogspot.ca/2006/05/harper-and-bankers.html
On 11/4/08, Ombudsman, Td td.ombudsman@td.com wrote:
November 4, 2008
David Amos
P.O. Box 234
Apohaqui, NB
E5P 3G2
----------------------
Dear Mr. Amos:
We acknowledge receipt of your e-mails dated November 3, 2008, which
we received in our office on November 4, 2008.
We would like to thank you for providing our office with your feedback
surrounding the various issues. We have reviewed the numerous pieces
of correspondence that you e-mailed to us. It is our understanding
that you have a number of concerns surrounding politics and the
actions of the government within North America.
We appreciate the effort you have taken to express your views
surrounding these issues, however we do not believe we can be of any
assistance as this falls outside the mandate of this office.
Thank you for taking the time to bring your concerns to our attention.
Yours truly,
Paul W. Huyer
Ombudsman
********************
NOTICE OF CONFIDENTIALITY
This communication including any information transmitted with it is
intended only for the use of the addressees and is confidential.
If you are not an intended recipient or responsible for delivering the
message to an intended recipient, any review, disclosure, conversion
to hard copy, dissemination, reproduction or other use of any part of
this
communication is strictly prohibited, as is the taking or omitting of
any action in reliance upon this communication. If you receive this
communication in error or without authorization
please notify us immediately by return e-mail or otherwise and
permanently delete the entire communication from any computer, disk
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If the above disclaimer is not properly readable, it can be found at
www.td.com/legal
AVERTISSEMENT DE CONFIDENTIALITE
Ce courriel, ainsi que tout renseignement ci-inclus, destiné
uniquement aux destinataires susmentionnés, est confidentiel. Si vous
n'êtes pas le destinataire prévu ou un agent responsable de la
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cette communication entière de tout système électronique.
Si l'avis de non-responsabilité ci-dessus n'est pas lisible, vous
pouvez le consulter à www.td.com/francais/legale
---------- Forwarded message ----------
From: David Amos david.raymond.amos@gmail.com
Date: Mon, 16 Mar 2009 19:13:32 -0300
Subject: Lets see Mark Carney and Warren Buffet deny knowing about my
concerns now EH Jimmy Flaherty?
To: MCarney
jharrison@bankofcanada.ca, dalexander@bankofcanada.ca,
cadamirault@bankofcanada.ca, louise.leger@rci.rogers.com,
marc@dominion.ca, staff@dominion.ca, nburns@gov.pe.ca,
alan.chan@abu.nb.ca, jsclark@auracom.com, brianfer@uoguelph.ca,
mcdonough-l@rmc.ca, bmorriso@wlu.ca, louise.lemon@gnb.ca,
dmay@morgan.usc.ca, dslade@acoa-apeca.gc.ca, jtuffour@stfx.ca,
elizabeth.beale@apec-econ.ca
Cc: "flaherty.j@parl.gc.ca"
---------- Forwarded message ----------
From: Jeremy Harrison Jharrison@bank-banque-canada.ca
Date: Mon, 16 Mar 2009 17:54:45 -0400
Subject: Out of Office AutoReply: Small wonder the Wall Street Jounal
now blocks my comments EH Petey Baby Stoffer and Tommy boy Young
To: David Amos david.raymond.amos@gmail.com
I am currently away from the office. Je ne suis pas disponible.
If the matter is urgent, please contact Dale Alexander at 782-8782. Si
c'est urgent, veuillez composer 782-8782.
====================================================================================
La version française suit le texte anglais.
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---------- Forwarded message ----------
From: Ombudsman de Radio-Canada Ombudsma@radio-canada.ca
Date: Fri, 17 Apr 2009 09:24:41 -0400
Subject: Faire suivre : Fwd: I tried to call you all The pdf files
hereto attached prove that I am no liar and the mp3 and te wav files
in the next two emails speak volumes
To: david.raymond.amos@gmail.com
Dear David Amos:
I acknowledge receipt of you three e-mails attached.
The Radio-Canada Ombudsman has a mandate to determine whether
information programs of Radio-Canada has broadcast fully respect
CBC/Radio-Canada*s journalism policy. Radio-Canada's Office of the
Ombudsman is completely independent of Radio-Canada program management
and thus does not intervene in the editorial process prior to the
broadcast of information programs. You can read the mandate of the
Ombudsmans web sites: http://www.radio-canada.ca/apropos/ombudsman/
and http://www.cbc.ca/ombudsman/
Best regards,
Julie Miville-Dechêne
Ombudsman, Services français
Société Radio-Canada
www.radio-canada.ca/Ombudsman
Perhaps CBC should Google "Harper and Bankers" to review something
from long ago.
Here is some shortcuts for Billy Morneau's many minions to check out
http://davidamos.blogspot.ca/2006/05/harper-and-bankers.html
https://www.scribd.com/doc/2619653/harper-and-bankers
Just Dave
By Location Visit Detail
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http://www.cbc.ca/news/canada/british-columbia/td-customer-fraud-unhappy-1.4341899
TD Bank customer frustrated with fraud investigation leaving him owing thousands
Bank refunds 2 customers after CBC inquiries about fraud charges on debit and credit cards
By Bal Brach, CBC News Posted: Oct 10, 2017 5:00 AM PT
Scott McFarlane has been dealing with TD Bank's fraud
department for more than a year, after his wallet was stolen and the
bank denied his claim. (CBC News)
"They try to make me feel like I'm the criminal here," said lifelong TD Canada Trust customer Scott McFarlane, who has been dealing with the bank's fraud department and ombudsman for more than a year.
Last June, McFarlane reported his wallet stolen while out at a concert with friends in Vancouver.
He said he called the bank right away when he noticed it was missing.
"As I'm on the phone with them, [the bank's service agent] said, 'They're taking your money out right now,' so I said put a stop to that, and so they shut down my account."
McFarlane said he then reported the incident to Vancouver police and filed a fraud claim with the bank.
TD Canada Trust customer Scott McFarlane is
challenging the bank's decision to deny his fraud claim after his wallet
was stolen. (CBC News)
Before the account was frozen, the alleged fraudster was able to access approximately $5,500 from McFarlane's account.
TD Canada Trust, and subsequently the bank's ombudsman, denied McFarlane's fraud claim. They said there was no PIN mismatch at the ATM, therefore leaving the customer responsible for the transactions.
"They say there was no way the pin was mismatched, but then when I was on the phone with the woman she said there's been eight other mismatches on the pin," said McFarlane.
"So in their own letter they say that didn't happen, but in their own transcript of the conversation, that doesn't jive. It's a direct contradiction."
PIN technology has been criticized in the past as no longer being secure enough.
Steven Murdoch, a researcher with the computer laboratory at Britain's Cambridge University, has said that "chip and PIN" security isn't impenetrable. "It's actually quite an old technology — between 15 and 20 years old," he told CBC in a previous case involving CIBC in 2014.
One technology allows criminals to use a bit of hardware to fool a card into accepting any random PIN entered on a merchant's card terminal, Murdoch said.
McFarlane tried over the next several months to get more information about his claim denial through TD Canada Trust's fraud department and its ombudsman.
Through the Office of Information and Privacy Commissioner for B.C., McFarlane requested transcripts of his phone calls with the bank.
TD Canada Trust offered McFarlane a
"one-time goodwill" gesture in the form of $2,569.68 but McFarlane
declined, arguing that more than $5,000 went missing from his account.
(CBC News)
Customers responsible for card: bank
The bank refused an interview with CBC News, but in a statement said "TD's fraud investigations team thoroughly reviews all reported customer fraud claims in a fair, equitable and transparent manner."The bank said customers are responsible for their access codes and PIN and must take "every reasonable precaution to maintain them safely."
TD Canada Trust offered McFarlane a "one-time goodwill" gesture in the amount of $2,569.68, but he declined.
"They did the minimum criteria that they had to prove to not pay me the claim and then just walked away," McFarlane said.
"I think it's a little insulting to get that offer, to be honest."
Other claims reversed after CBC inquiry
Since last October, two other TD Canada Trust bank customers have come forward to CBC News with similar allegations.
One customer was told she was responsible for nearly $5,000 worth of fraudulent transactions on her TD Visa card.
When CBC News inquired directly about her situation, the bank said the case was still open. Within a few days, the bank said it "fully reimbursed the customer and issued a new credit card."
TD Canada Trust customers who have fraud
claims denied say the bank needs to do more to ensure investigations are
thorough. (Aaron Harris/Reuters)
When CBC News inquired about this case, the customer was contacted by the bank within days and was told she would not be responsible for the charges if she agreed to a settlement which included not discussing her case publicly.
'I wouldn't wait for the banks'
McFarlane's story is similar to others reported by CBC in the past. a legal expert who specializes in contract law says the cardholder agreement heavily favours banks in cases of fraud.
"The justification that banks have used is that PIN technology is very secure, so to the extent that your PIN has been compromised, you need a very good reason why we should reimburse you," said lawyer and University of Ottawa law professor Anthony Daimsis.
"But I think that kind of thinking is 10 or 15 years old. We're seeing more and more that PIN technology is not as secure as we'd hoped."
Legal expert Anthony Daimsis says consumer
protection laws need to be updated to reflect technological advances
when it comes to bank fraud. (CBC News)
He believes consumer protection laws need to be changed to give cardholders more recourse if they feel their claim is unfairly handled.
"I wouldn't wait for the banks to change anything because they have no incentive to change it. There's no competition for them," he said.
"So this for me is really for the provinces to fix their laws to better protect their consumers."
If you have any information about this story, email Bal.Brach@cbc.ca
---------- Original message ----------
From: "MinFinance / FinanceMin (FIN)"
fin.minfinance-financemin.fin@canada.ca
Date: Tue, 10 Oct 2017 17:49:13 +0000
Subject: RE: So says Mr Geller So say you all?
To: David Amos motomaniac333@gmail.com
The Department of Finance acknowledges receipt of your electronic correspondence. Please be assured that we appreciate receiving your comments.
Le ministère des Finances accuse réception de votre correspondance électronique. Soyez assuré(e) que nous apprécions recevoir vos commentaires.
---------- Original message ----------
From: David Amos motomaniac333@gmail.com
Date: Tue, 10 Oct 2017 13:49:03 -0400
Subject: So says Mr Geller So say you all?
To: hgeller@mbclaw.ca, mcu@justice.gc.ca, jan.jensen@justice.gc.ca, gopublic@cbc.ca, dean.buzza@rcmp-grc.gc.ca, Bill.Morneau@canada.ca, Diane.Lebouthillier@cra-arc.gc.ca, hon.ralph.goodale@canada.ca, Larry.Tremblay@rcmp-grc.gc.ca, Erica.Johnson@cbc.ca, harvey.cashore@cbc.ca, dcumming@schulich.yorku.ca, rick.hancox@nbsc-cvmnb.ca, denis.landry2@gnb.ca
Cc: david.raymond.amos@gmail.com, washington.field@ic.fbi.gov, Boston.Mail@ic.fbi.gov, Jacques.Poitras@cbc.ca, darrow.macintyre@cbc.ca, martine.turcotte@bell.ca, mirko.bibic@bell.ca, steve.murphy@ctv.ca, nmoore@bellmedia.ca>, David.Akin@globalnews.ca, newsroom@globeandmail.ca
---------- Forwarded message ----------
From: Harold Geller hgeller@mbclaw.ca
Date: Tue, 10 Oct 2017 17:36:20 +0000
Subject: Re: Mr Geller I hung up the phone the instant you started
bullshitting me but not before I told you to take up my concerns with
Attorney General Correct?
To: David Amos motomaniac333@gmail.com
Not correct, but I won't debate. Have a good day.
Harold Geller
MBC Law
Sent from cellphone, please excuse typos
---------- Original message ----------
From: "MinFinance / FinanceMin (FIN)"
fin.minfinance-financemin.fin@canada.ca
Date: Tue, 10 Oct 2017 15:32:26 +0000
Subject: RE: Mr Geller I hung up the phone the instant you started bullshitting me but not before I told you to take up my concerns with Attorney General Correct?
To: David Amos motomaniac333@gmail.com
The Department of Finance acknowledges receipt of your electronic correspondence. Please be assured that we appreciate receiving your comments.
Le ministère des Finances accuse réception de votre correspondance électronique. Soyez assuré(e) que nous apprécions recevoir vos commentaires.
---------- Forwarded message ----------
From: David Amos motomaniac333@gmail.com
Date: Tue, 10 Oct 2017 11:32:15 -0400
Subject: Mr Geller I hung up the phone the instant you started bullshitting me but not before I told you to take up my concerns with Attorney General Correct?
To: hgeller@mbclaw.ca, mcu@justice.gc.ca, jan.jensen@justice.gc.ca, gopublic@cbc.ca, dean.buzza@rcmp-grc.gc.ca, Bill.Morneau@canada.ca>, Diane.Lebouthillier@cra-arc.gc.ca, hon.ralph.goodale@canada.ca, Larry.Tremblay@rcmp-grc.gc.ca, Erica.Johnson@cbc.ca, harvey.cashore@cbc.ca, dcumming@schulich.yorku.ca, rick.hancox@nbsc-cvmnb.ca, denis.landry2@gnb.ca
Cc: david.raymond.amos@gmail.com, washington.field@ic.fbi.gov, Boston.Mail@ic.fbi.gov, Jacques.Poitras@cbc.ca, darrow.macintyre@cbc.ca, martine.turcotte@bell.ca, mirko.bibic@bell.ca, steve.murphy@ctv.ca, nmoore@bellmedia.ca, David.Akin@globalnews.ca, newsroom@globeandmail.ca
---------- Original message ----------
From: Harold Geller hgeller@mbclaw.ca
Date: Tue, 10 Oct 2017 15:15:47 +0000
Subject: RE: Perhaps Billy Morneau or the RCMP or the FBI will explain
to the CBC and many lawyers whats been going on in Federal Court for
over two years
To: David Amos motomaniac333@gmail.com
Mr. Amos,
As you choose to end our call abruptly by hanging up, I will not
consider acting as your lawyer. I respect you choice. Please remove
me from your emails. Thank you.
Yours truly,
Harold Geller
MBC Law Professional Corporation
265 Carling Avenue, Suite 500
Ottawa, ON K1S 2E1
T: 613.564-3009 (direct line)
F: 613.233.8868
Toll Free: 1.888.288.2033
---------- Original message ----------
From: David Amos motomaniac333@gmail.com
Date: Tue, 10 Oct 2017 11:02:58 -0400
Subject: Attn Kin Lo
To: kin.lo@sauder.ubc.ca
Cc: David Amos david.raymond.amos@gmail.com
Kin Lo
BCom (Calgary), MS (Northwestern), PhD (Northwestern)
Senior Associate Dean, Students
CA Professor in Accounting
Faculty Member
Associate Professor, Accounting and Information Systems Division
Contact Information
Office Henry Angus 777
Tel (604) 822-8430
Email kin.lo@sauder.ubc.ca
http://davidraymondamos3.blogspot.ca/2017/10/do-ya-think-billy-morneau-has-figured.html
---------- Original message ----------
From: Newsroom newsroom@globeandmail.com
Date: Tue, 10 Oct 2017 14:34:25 +0000
Subject: Automatic reply: Perhaps Billy Morneau or the RCMP or the FBI will explain to the CBC and many lawyers whats been going on in Federal Court for over two years
To: David Amos motomaniac333@gmail.com
Thank you for contacting The Globe and Mail.
If your matter pertains to newspaper delivery or you require technical support, please contact our Customer Service department at 1-800-387-5400 or send an email to customerservice@globeandmail.com
If you are reporting a factual error please forward your email to publiceditor@globeandmail.com mailto:publiceditor@globeandmail.com
Letters to the Editor can be sent to letters@globeandmail.com
This is the correct email address for requests for news coverage and press releases.
---------- Original message ----------
From: "MinFinance / FinanceMin (FIN)"
fin.minfinance-financemin.fin@canada.ca
Date: Tue, 10 Oct 2017 14:34:26 +0000
Subject: RE: Perhaps Billy Morneau or the RCMP or the FBI will explain to the CBC and many lawyers whats been going on in Federal Court for over two years
To: David Amos motomaniac333@gmail.com
The Department of Finance acknowledges receipt of your electronic correspondence. Please be assured that we appreciate receiving your comments.
Le ministère des Finances accuse réception de votre correspondance électronique. Soyez assuré(e) que nous apprécions recevoir vos commentaires.
---------- Original message ----------
From: David Amos motomaniac333@gmail.com
Date: Tue, 10 Oct 2017 10:34:17 -0400
Subject: Perhaps Billy Morneau or the RCMP or the FBI will explain to the CBC and many lawyers whats been going on in Federal Court for over two years
To: gopublic@cbc.ca, dean.buzza@rcmp-grc.gc.ca, Bill.Morneau@canada.ca, Diane.Lebouthillier@cra-arc.gc.ca, hon.ralph.goodale@canada.ca, Larry.Tremblay@rcmp-grc.gc.ca, Erica.Johnson@cbc.ca, harvey.cashore@cbc.ca, dcumming@schulich.yorku.ca, hgeller@mbclaw.ca, rick.hancox@nbsc-cvmnb.ca, denis.landry2@gnb.ca
Cc: david.raymond.amos@gmail.com, washington field washington.field@ic.fbi.gov, Boston.Mail@ic.fbi.gov, Jacques.Poitras@cbc.ca, darrow.macintyre@cbc.ca, martine.turcotte@bell.ca, mirko.bibic@bell.ca, steve.murphy@ctv.ca, nmoore@bellmedia.ca, David.Akin@globalnews.ca, newsroom@globeandmail.ca
---------- Original message ----------
From: "MinFinance / FinanceMin (FIN)" fin.minfinance-financemin.fin@canada.ca
Date: Tue, 10 Oct 2017 12:12:53 +0000
Subject: RE: Re CBC purported concerns about the Investment Industry
and Professor Douglas Cumming's claim "That's how the world works."
To: David Amos motomaniac333@gmail.com
The Department of Finance acknowledges receipt of your electronic
correspondence. Please be assured that we appreciate receiving your
comments.
Le ministère des Finances accuse réception de votre correspondance
électronique. Soyez assuré(e) que nous apprécions recevoir vos
commentaires.
> --------- Forwarded message ----------
> From: "Gallant, Premier Brian (PO/CPM)" Brian.Gallant@gnb.ca
> Date: Sun, 14 May 2017 18:34:10 +0000
> Subject: RE: Attn Michael Comeau Federal Court File No T-1557-15
> Please see attached file for you to review before May 24th
> To: David Amos motomaniac333@gmail.com
>
> Thank you for writing to the Premier of New Brunswick. Please be
> assured that your email will be reviewed.
>
> If this is a media request, please forward your email to
> media-medias@gnb.ca mailto:media-medias@gnb.ca. Thank you!
>
> *************************************
>
> Nous vous remercions d’avoir communiqué avec le premier ministre du
> Nouveau-Brunswick. Soyez assuré(e) que votre courriel sera examiné.
>
> Si ceci est une demande médiatique, prière de la transmettre à
> media-medias@gnb.ca mailto:media-medias@gnb.ca. Merci!
>
>
> ---------- Forwarded message ----------
> From: David Amos motomaniac333@gmail.com
> Date: Thu, 25 May 2017 13:58:50 -0400
> Subject: Fwd: Here ya go folks please enjoy the hearing today in
> Federal Court and the notes I read from as I argued the Queen's sneaky
> little minions who think they are above the law and the rest of us as
> well
> To: "blaine.higgs" blaine.higgs@gnb.ca, "Dominic.Cardy"
> Dominic.Cardy@gnb.ca, "bruce.northrup" bruce.northrup@gnb.ca,
> "hugh.flemming" hugh.flemming@gnb.ca, BrianThomasMacdonald
> BrianThomasMacdonald@gmail.com, "carl. davies" carl.davies@gnb.ca,
> "carl.urquhart" carl.urquhart@gnb.ca, "Jacques.Poitras"
> Jacques.Poitras@cbc.ca, "Paul.Lynch" Paul.Lynch@edmontonpolice.ca,
> "Paul.Collister" Paul.Collister@rcmp-grc.gc.ca, "Paul.Harpelle"
> Paul.Harpelle@gnb.ca, "peacock.kurt"
> peacock.kurt@telegraphjournal.com, news news@kingscorecord.com,
> sfine sfine@globeandmail.com, newsroom newsroom@globeandmail.ca,
> "nick.brown" nick.brown@gnb.ca, "nick.moore"
> nick.moore@bellmedia.ca, "dan. bussieres" dan.bussieres@gnb.ca,
> "Tim.RICHARDSON" Tim.RICHARDSON@gnb.ca, "randy.mckeen"
> randy.mckeen@gnb.ca, premier premier@gnb.ca, "brian.gallant"
> brian.gallant@gnb.ca, PREMIER PREMIER@gov.ns.ca, premier
> premier@gov.ab.ca, "brian.hodgson"
> premier
> serge.rousselle@gnb.ca, "david.eidt" david.eidt@gnb.ca, Brian Ruhe
> brian@brianruhe.ca, paul paul@paulfromm.com, sunrayzulu
> sunrayzulu@shaw.ca, patrick_doran1 patrick_doran1@hotmail.com, cps
> cps@calgarypolice.ca, "theresa.may.mp"
> theresa.may.mp@parliament.uk, themayor themayor@calgary.ca,
> "sylvie.gadoury" sylvie.gadoury@radio-canada.ca, "ht.lacroix"
>
> don.iveson@edmonton.ca
> Cc: David Amos david.raymond.amos@gmail.com, brian
> brian@murphygroup.ca, david david@lutz.nb.ca, "michael.comeau"
> michael.comeau@gnb.ca
>
> May 24th
>
> https://archive.org/details/May24thHoedown
>
> April 3rd
>
> https://archive.org/details/April32017JusticeLeblancHearing
>
> ---------- Original message ----------
> From: NATALIA OLIVEIRA JOHNSTON natalia.johnston@cbc.ca
> Date: Wed, 24 May 2017 17:13:10 -0700
> Subject: Out of office Re: Here ya go folks please enjoy the hearing
> today in Federal Court and the notes I read from as I argued the
> Queen's sneaky little minions who think they are above the law and the
> rest of us as well
> To: motomaniac333@gmail.com
>
> Please note that I'm on annual leave and will return on May 29.
>
> If your matter is urgent, please contact the reception line at
> 416-205-3216.
>
> --
> *Natalia Johnston*
> Legal Assistant
> to Dustin Milligan, Katarina Germani and Azim Remani
>
> Tel. (416) 205-2306
> Fax (416) 205-2723
>
>
> ---------- Original message ----------
> From: "MinFinance / FinanceMin (FIN)"
> fin.minfinance-financemin.fin@canada.ca
> Date: Thu, 25 May 2017 00:14:35 +000
> Subject: RE: Here ya go folks please enjoy the hearing today in
> Federal Court and the notes I read from as I argued the Queen's sneaky
> little minions who think they are above the law and the rest of us as
> well
> To: David Amos motomaniac333@gmail.com
>
> The Department of Finance acknowledges receipt of your electronic
> correspondence. Please be assured that we appreciate receiving your
> comments.
>
> Le ministère des Finances accuse réception de votre correspondance
> électronique. Soyez assuré(e) que nous apprécions recevoir vos
> commentaires.
>
>
>
> ---------- Original message ----------
> From: Póstur FOR postur@for.is
> Date: Thu, 25 May 2017 00:15:21 +0000
> Subject: Re: Here ya go folks please enjoy the hearing today in
> Federal Court and the notes I read from as I argued the Queen's sneaky
> little minions who think they are above the law and the rest of us as
> well
> To: David Amos motomaniac333@gmail.com
>
> Erindi þitt hefur verið móttekið / Your request has been received
>
> Kveðja / Best regards
> Forsætisráðuneytið / Prime Minister's Office
>
>
>
> ---------- Forwarded message ----------
> From: David Amos motomaniac333@gmail.com
> Date: Mon, 12 Jun 2017 09:32:09 -0400
> Subject: Attn Integrity Commissioner Alexandre Deschênes, Q.C.,
> To: coi@gnb.ca
> Cc: david.raymond.amos@gmail.com
>
> Good Day Sir
>
> After I heard you speak on CBC I called your office again and managed
> to speak to one of your staff for the first time
>
> Please find attached the documents I promised to send to the lady who
> answered the phone this morning. Please notice that not after the Sgt
> at Arms took the documents destined to your office his pal Tanker
> Malley barred me in writing with an "English" only document.
>
> These are the hearings and the dockets in Federal Court that I
> suggested that you study closely.
>
> This is the docket in Federal Court
>
> http://cas-cdc-www02.cas-satj.gc.ca/IndexingQueries/infp_RE_info_e.php?court_no=T-1557-15&select_court=T
>
> These are digital recordings of the last three hearings
>
> Dec 14th https://archive.org/details/BahHumbug
>
> January 11th, 2016 https://archive.org/details/Jan11th2015
>
> April 3rd, 2017
>
> https://archive.org/details/April32017JusticeLeblancHearing
>
>
> This is the docket in the Federal Court of Appeal
>
> http://cas-cdc-www02.cas-satj.gc.ca/IndexingQueries/infp_RE_info_e.php?court_no=A-48-16&select_court=All
>
>
> The only hearing thus far
>
> May 24th, 2017
>
> https://archive.org/details/May24thHoedown
>
>
> This Judge understnds the meaning of the word Integrity
>
> Date: 20151223
>
> Docket: T-1557-15
>
> Fredericton, New Brunswick, December 23, 2015
>
> PRESENT: The Honourable Mr. Justice Bell
>
> BETWEEN:
>
> DAVID RAYMOND AMOS
>
> Plaintiff
>
> and
>
> HER MAJESTY THE QUEEN
>
> Defendant
>
> ORDER
>
> (Delivered orally from the Bench in Fredericton, New Brunswick, on
> December 14, 2015)
>
> The Plaintiff seeks an appeal de novo, by way of motion pursuant to
> the Federal Courts Rules (SOR/98-106), from an Order made on November
> 12, 2015, in which Prothonotary Morneau struck the Statement of Claim
> in its entirety.
>
> At the outset of the hearing, the Plaintiff brought to my attention a
> letter dated September 10, 2004, which he sent to me, in my then
> capacity as Past President of the New Brunswick Branch of the Canadian
> Bar Association, and the then President of the Branch, Kathleen Quigg,
> (now a Justice of the New Brunswick Court of Appeal). In that letter
> he stated:
>
> As for your past President, Mr. Bell, may I suggest that you check the
> work of Frank McKenna before I sue your entire law firm including you.
> You are your brother’s keeper.
>
> Frank McKenna is the former Premier of New Brunswick and a former
> colleague of mine at the law firm of McInnes Cooper. In addition to
> expressing an intention to sue me, the Plaintiff refers to a number of
> people in his Motion Record who he appears to contend may be witnesses
> or potential parties to be added. Those individuals who are known to
> me personally, include, but are not limited to the former Prime
> Minister of Canada, The Right Honourable Stephen Harper; former
> Attorney General of Canada and now a Justice of the Manitoba Court of
> Queen’s Bench, Vic Toews; former member of Parliament Rob Moore;
> former Director of Policing Services, the late Grant Garneau; former
> Chief of the Fredericton Police Force, Barry McKnight; former Staff
> Sergeant Danny Copp; my former colleagues on the New Brunswick Court
> of Appeal, Justices Bradley V. Green and Kathleen Quigg, and, retired
> Assistant Commissioner Wayne Lang of the Royal Canadian Mounted
> Police.
>
> In the circumstances, given the threat in 2004 to sue me in my
> personal capacity and my past and present relationship with many
> potential witnesses and/or potential parties to the litigation, I am
> of the view there would be a reasonable apprehension of bias should I
> hear this motion. See Justice de Grandpré’s dissenting judgment in
> Committee for Justice and Liberty et al v National Energy Board et al,
> [1978] 1 SCR 369 at p 394 for the applicable test regarding
> allegations of bias. In the circumstances, although neither party has
> requested I recuse myself, I consider it appropriate that I do so.
>
>
> AS A RESULT OF MY RECUSAL, THIS COURT ORDERS that the Administrator of
> the Court schedule another date for the hearing of the motion. There
> is no order as to costs.
>
> “B. Richard Bell”
> Judge
>
>
> Below after the CBC article about your concerns (I made one comment
> already) you will find the text of just two of many emails I had sent
> to your office over the years since I first visited it in 2006.
>
> I noticed that on July 30, 2009, he was appointed to the the Court
> Martial Appeal Court of Canada Perhaps you should scroll to the
> bottom of this email ASAP and read the entire Paragraph 83 of my
> lawsuit now before the Federal Court of Canada?
>
> "FYI This is the text of the lawsuit that should interest Trudeau the most
>
> http://davidraymondamos3.blogspot.ca/2015/09/v-behaviorurldefaultvmlo.html
>
> 83 The Plaintiff states that now that Canada is involved in more war
> in Iraq again it did not serve Canadian interests and reputation to
> allow Barry Winters to publish the following words three times over
> five years after he began his bragging:
>
> January 13, 2015
> This Is Just AS Relevant Now As When I wrote It During The Debate
>
> December 8, 2014
> Why Canada Stood Tall!
>
> Friday, October 3, 2014
> Little David Amos’ “True History Of War” Canadian Airstrikes And
> Stupid Justin Trudeau?
>
>
> Vertias Vincit
> David Raymond Amos
> 902 800 0369
>
>
> ---------- Forwarded message ----------
> From: "Kulik, John" john.kulik@mcinnescooper.com
> Date: Thu, 18 May 2017 17:37:49 +0000
> Subject: McInnes Cooper
> To: "motomaniac333@gmail.com" motomaniac333@gmail.com,
> "david.raymond.amos@gmail.com" david.raymond.amos@gmail.com
>
> Dear Mr. Amos:
>
> I am General Counsel for McInnes Cooper. If you need to communicate
> with our firm, please do so through me.
>
> Thank you.
>
> John Kulik
> [McInnes Cooper]
>
> John Kulik Q.C.
> Partner & General Counsel
> McInnes Cooper
>
> tel +1 (902) 444 8571 | fax +1 (902) 425 6350
>
> 1969 Upper Water Street
> Suite 1300
> Purdy's Wharf Tower II Halifax, NS, B3J 2V1
>
> asst Cathy Ohlhausen | +1 (902) 455 8215
>
>
>
> Notice This communication, including any attachments, is confidential
> and may be protected by solicitor/client privilege. It is intended
> only for the person or persons to whom it is addressed. If you have
> received this e-mail in error, please notify the sender by e-mail or
> telephone at McInnes Cooper's expense. Avis Les informations contenues
> dans ce courriel, y compris toute(s) pièce(s) jointe(s), sont
> confidentielles et peuvent faire l'objet d'un privilège avocat-client.
> Les informations sont dirigées au(x) destinataire(s) seulement. Si
> vous avez reçu ce courriel par erreur, veuillez en aviser l'expéditeur
> par courriel ou par téléphone, aux frais de McInnes Cooper.
>
>
> On Mar 1, 2017, at 12:30, David Amos motomaniac333@gmail.com wrote:
>
> Wow one honest shrink and bunch a Fed computers acting ethicaly all at
> the same point in time a sneaky greedy lawyer shows me his nasty arse.
> Can you imagine that? You can bet dimes to dollars I called each of
> the new cops I became aware of. Who knows one of them may be honest as
> well. I doubt it though. Methinks that they are either afraid of the
> boss Bobby Baby or they love their wages and pensions far too much to
> care about the citizens they purportedly serve or even remotely
> upholding the law of the land.
>
> "gpassey" gpassey@telus.net,
> Phone 604 290 8482
>
> ---------- Forwarded message ----------
> From: Dr DG Passey Inc a5a28575@telus.net
> Date: Wed, 1 Mar 2017 10:55:23 -0800
> Subject: Re: Attn Dr Passey we just talked briefly Please enjoy and
> say Hey to Bobby and all the corrupt cops and lawyers for me will ya?
> To: David Amos motomaniac333@gmail.com
>
> Hi David,
> Thanks for forwarding this information. Sorry I could not continue the
> conversation but I am booked solid with patients and you caught me at
> a very brief break.
> Best of luck with your endeavours.
> Dr Greg Passey
>
>
>
> ---------- Forwarded message ----------
> From: Urbano Ciccarelli urbano.ciccarelli@rcmp-grc.gc.ca
> Date: Wed, 01 Mar 2017 15:12:57 -0500
> Subject: Re: Fwd: Automatic reply: Federal Court File T-1557-15 ATTN
> Lilian Moreno I was not asking you to However I am demanding that the
> Duggan lawyers act with some semblance of ethics ASAP (Away on
> Training)
> To: David Amos motomaniac333@gmail.com
>
> I will be on training in Ottawa between 2017-02-27 and 2017-03-03. If
> you need to reach me I will have my BlackBerry with me at all times.
>
> Cheers
>
> Urbano
>
>
> ---------- Forwarded message ----------
> From: David Amos motomaniac333@gmail.com
> Date: Wed, 1 Mar 2017 16:12:51 -0400
> Subject: Fwd: Automatic reply: Federal Court File T-1557-15 ATTN
> Lilian Moreno I was not asking you to However I am demanding that the
> Duggan lawyers act with some semblance of ethics ASAP
> To: Rafael.Alvaredo@rcmp-grc.gc.ca, Urbano.Ciccarelli@rcmp-grc.gc.ca,
> Rejean.Richard@rcmp-grc.gc.ca, "hon.ralph.goodale"
> hon.ralph.goodale@canada.ca, "Hon.Dominic.LeBlanc"
> Hon.Dominic.LeBlanc@canada.ca, "Charmaine.Bulger"
> Charmaine.Bulger@rcmp-grc.gc.ca, "Paul.Collister"
> Paul.Collister@rcmp-grc.gc.ca, radical radical@radicalpress.com
> Cc: David Amos david.raymond.amos@gmail.com, "natalie.clancy"
> natalie.clancy@cbc.ca, cbcinvestigates cbcinvestigates@cbc.ca
>
> ---------- Forwarded message ----------
> From: Ministerial Correspondence Unit - Justice Canada mcu@justice.gc.ca
> Date: Wed, 1 Mar 2017 19:48:55 +0000
> Subject: Automatic reply: Federal Court File T-1557-15 ATTN Lilian
> Moreno I was not asking you to However I am demanding that the Duggan
> lawyers act with some semblance of ethics ASAP
> To: David Amos motomaniac333@gmail.com
>
> Thank you for writing to the Honourable Jody Wilson-Raybould, Minister
> of Justice and Attorney General of Canada.
>
> Due to the significant increase in the volume of correspondence
> addressed to the Minister, please note that there may be a delay in
> processing your email. Rest assured that your message will be
> carefully reviewed.
>
> -------------------
>
> Merci d'avoir écrit à l'honourable Jody Wilson-Raybould, ministre de
> la justice et procureur général du Canada.
>
> En raison d'une augmentation importante du volume de la correspondance
> adressée à la ministre, veuillez prendre note qu'il pourrait y avoir
> un retard dans le traitement de votre courriel. Nous tenons à vous
> assurer que votre message sera lu avec soin.
>
>
> ---------- Forwarded message ----------
> From: Serge Bilodeau serge.bilodeau@rcmp-grc.gc.ca
> Date: Wed, 01 Mar 2017 14:49:03 -0500
> Subject: Rép. : Re: Federal Court File T-1557-15 ATTN Lilian Moreno I
> was not asking you to However I am demanding that the Duggan lawyers
> act with some semblance of ethics ASAP (Absence du bureau)
> To: David Amos motomaniac333@gmail.com
>
> Je serai absent du bureau du 24 février au 3 mars 2017. Pour assistance
> immédiate, veuillez communiquer au 514-939-8310 ou avec le caporal
> Réjean Richard au 514-939-8400 poste 2664.
>
> I will be away of the office from February, 24th to March, 3rd 2017.
> For immediate assistance, please call 514-939-8310 or corporal Réjean
> Richard 514-939-8400 ext. 2664.
>
> Merci / Thank you
> Serge Bilodeau
> gendarme/constable
> GRC/RCMP
> Section du renseignement criminel/Criminal Intelligence Section -
> Montréal
> Téléphone/Phone: 514-939-8400 poste 2080
> Cellulaire/Cellular: 514-821-2036
> Télécopieur/Fax: 514-939-8633
> serge.bilodeau@rcmp-grc.gc.ca
>
>
> ---------- Forwarded message ----------
> From: Charles Mancer Charles.Mancer@rcmp-grc.gc.ca
> Date: Wed, 01 Mar 2017 14:49:03 -0500
> Subject: Rép. : Re: Federal Court File T-1557-15 ATTN Lilian Moreno I
> was not asking you to However I am demanding that the Duggan lawyers
> act with some semblance of ethics ASAP (absence)
> To: David Amos motomaniac333@gmail.com
>
> Bonjour
>
> Je suis absent jusqu'au 6 mars 2017. En cas d'urgence, veuillez
> contacter le Sem Rafael Alvaredo au 613-843-3611 ou le caporal Urbano
> Ciccarelli au 905 251-0109 (ou par courriel sur Groupwise).
>
> I am away on vacation until march 6th 2017. Please for any urgent
> assistance call Staff/sgt Rafael Alvaredo at 613-843-3611 or corporal
> Urbano Ciccarelli at 905-251-0109 ( or by email on groupwise).
>
>>>> David Amos motomaniac333@gmail.com 03/01/17 14:48 >>>
>
> ---------- Original message ----------
> From: David Amos motomaniac333@gmail.com
> Date: Wed, 1 Mar 2017 15:48:54 -0400
> Subject: Re: Federal Court File T-1557-15 ATTN Lilian Moreno I was not
> asking you to However I am demanding that the Duggan lawyers act with
> some semblance of ethics ASAP
> To: "bob.paulson" bob.paulson@rcmp-grc.gc.ca,
> james@dugganavocats.ca, wjk@kimorr.ca, info@callkleinlawyers.com,
> "Mark.Blakely" Mark.Blakely@rcmp-grc.gc.ca, "Gilles.Blinn"
> Gilles.Blinn@rcmp-grc.gc.ca, "Gilles.Moreau"
> Gilles.Moreau@forces.gc.ca, "Dale.Morgan"
> Dale.Morgan@rcmp-grc.gc.ca, "dale.drummond"
> dale.drummond@rcmp-grc.gc.ca, "craig.callens"
> craig.callens@rcmp-grc.gc.ca, "Marianne.Ryan"
> Marianne.Ryan@rcmp-grc.gc.ca, lilian@dugganavocats.ca,
> mcu@justice.gc.ca, assoc.mpmq@gmail.com, fsimedia@videotron.ca,
> charles.mancer@rcmp-grc.gc.ca, Serge.Bilodeau@rcmp-grc.gc.ca
> Cc: David Amos
> akemp@andrewkemp.ca, "victor.boudreau" victor.boudreau@gnb.ca,
> Stephen.Horsman@gnb.ca
>
> ---------- Original message ----------
> From: Duggan Avocats info@dugganavocats.ca
> Date: Wed, 1 Mar 2017 14:36:38 -0500
> Subject: Federal Court File T-1557-15
> To: motomaniac333@gmail.com
> Cc: david.raymond.amos@gmail.com
>
> Mr. Amos,
>
> Me Duggan has seen your emails and I would like to inform you that our
> office will not represent you.
>
> Best regards,
>
> *Lilian Moreno*
>
> *Adjointe Juridique - Legal Assistant*
> *Duggan, Avocats - Lawyers*
> Tel: 514-879-1459
> Fax: 514-879-5648
>
> lilian@dugganavocats.ca
>
> Gare Windsor
> 1100 Avenue des Canadiens-de-Montréal (Ouest)
> Bureau 900
> Montréal, QC, H3B 2S2
> Windsor Station
> 1100 Avenue des Canadiens-de-Montreal (West)
> Suite 900
> Montreal, QC, H3B 2S2
>
> *Avis de confidentialité* : Ce courriel est destiné exclusivement au(x)
> destinataire(s) mentionné(s) ci-dessus et peut contenir de l'information
> privilégiée, confidentielle et/ou dispensée de divulgation aux termes des
> lois applicables. Si vous avez reçu ce message par erreur, ou s'il ne vous
> est pas destiné, veuillez le mentionner immédiatement à l'expéditeur et
> effacer ce courriel. Merci de votre collaboration.
>
> *Confidentiality notice*: This e-mail message is intended only for the
> named recipient(s) above and may contain information that is privileged,
> confidential and/or exempt from disclosure under applicable law. If you
> have received this message in error, or are not the named recipient(s),
> please immediately notify the sender and delete this e-mail message. Thank
> you for your collaboration.
>
>
>
> ---------- Forwarded message ----------
> From: David Amos motomaniac333@gmail.com
> Date: Wed, 15 Feb 2017 08:00:47 -0400
> Subject: Re Federal Court File No. T-1557-15 and the QMPMA application
> for a class action lawsuit against the RCMP byway of the CROWN
> To: assoc.mpmq@gmail.com, fsimedia@videotron.ca,
> charles.mancer@rcmp-grc.gc.ca, james@dugganavocats.ca,
> Serge.Bilodeau@rcmp-grc.gc.ca
> Cc: David Amos david.raymond.amos@gmail.com, "Mark.Blakely"
> Mark.Blakely@rcmp-grc.gc.ca, "Gilles.Blinn"
> Gilles.Blinn@rcmp-grc.gc.ca, "dale.drummond"
> dale.drummond@rcmp-grc.gc.ca, "bernadine.chapman"
> bernadine.chapman@rcmp-grc.gc.ca, "Paulette.Delaney-Smith"
> Paulette.Delaney-Smith@rcmp-grc.gc.ca, "Dale.Morgan"
> Dale.Morgan@rcmp-grc.gc.ca
>
> Perhaps we should talk ASAP?
>
> Veritas Vincit
> David Raymond Amos
> 902 800 0369
>
> https://ampmq.ca/class-action-harassment-suit-on-behalf-of-canadas-22000-rcmp-members-is-gaining-momentum/
>
> https://mancer.rcmpclassaction.ca/application/
>
> The Application for certification of a class action on behalf of all
> members of the RCMP (past and present) arose from the many members
> coming forward with their long-standing stories of harassment, abuse
> and discrimination experienced while working in the RCMP. These are
> stories that span many decades and point to a culture of bullying,
> harassment and discrimination in the RCMP.
>
> https://mancer.rcmpclassaction.ca/wp-content/uploads/2016/11/Application-for-Certification.pdf
>
> https://ampmq.ca/en/
>
> President Serge Bilodeau
> Vice-President Charles Mancer
> Quebec Mounted Police Members’ Association (QMPMA)
> Post Office Box 154
> Westmount, Quebec, Canada
> H3Z 2T2
> Phone: (450) 291-4458
> assoc.mpmq@gmail.com
>
> 1699 Rue Principale,
> Saint-Blaise-sur-Richelieu,
> Quebec, J0J 1W0
>
> Media relations
>
> Frederic Serre
> Media relations officer
> Phone: (438) 875-4217
> fsimedia@videotron.ca
>
>
> http://www.dugganavocats.ca/home.php?lang=en#!contact
> James Duggan:
> Windsor Station
> 1100 Avenue des Canadiens-de-Montreal (West)
> Suite 900
> Montreal, QC, Canada, H3B 2S2
> Phone: (514) 879-1459
> Fax: (514) 879-5648
> Email james@dugganavocats.ca
>
>
> ---------- Forwarded message ----------
> From: David Amos motomaniac333@gmail.com
> Date: Fri, 15 Jul 2016 13:24:50 -0400
> Subject: Re: The FSB, Federal Court file no T-1557-15 ,secret oaths to
> the British Queen and the evil Feds etc FYI I did call Moody's lawyer
> Goggins When he did not pick up I contacted Michael Adler an he did
> not return my call.
> To: michael.adler@moodys.com, sallilyn.schwartz@moodys.com,
> ir@moodys.com, Richard.Cantor@moodys.com, John.Goggins@moodys.com,
> caitlin.workman@canada.ca, press@bankofengland.co.uk,
> Joe.Perry@fsb.org, embassy.ottawa@mfa.ee, "Dale.Morgan"
> Dale.Morgan@rcmp-grc.gc.ca, "john.warr" john.warr@rcmp-grc.gc.ca,
> "Wayne.Gallant" Wayne.Gallant@rcmp-grc.gc.ca, "Marc.Litt"
> Marc.Litt@bakermckenzie.com, Robert_Glauber@harvard.edu,
> "PETER.MACKAY" PETER.MACKAY@bakermckenzie.com, sunrayzulu
> sunrayzulu@shaw.ca, mcu@justice.gc.ca, "bill.pentney"
> bill.pentney@justice.gc.ca, washington field
> washington.field@ic.fbi.gov, "Boston.Mail" Boston.Mail@ic.fbi.gov>,
> "Paul.Lynch" Paul.Lynch@edmontonpolice.ca, pol7163
> pol7163@calgarypolice.ca, patrick_doran1
> patrick_doran1@hotmail.com, "rod.knecht"
> rod.knecht@edmontonpolice.ca, cps cps@calgarypolice.ca, eps
> eps@edmontonpolice.ca
> Cc: David Amos david.raymond.amos@gmail.com,
> b.spurlock@octafinance.com, s.holbrook@octafinance.com, NBInvestigates
> NBInvestigates@cbc.ca, "Bill.Morneau" Bill.Morneau@canada.ca,
> bostncs bostncs@international.gc.ca
>
> So before I leave for a little vacation and not be available for
> awhile. I will leave you all with some very serious stuff to consider.
>
> Sometimes less is more so this email should prove to the RCMP who will
> no doubt wish to harass me some more and all your lawyers that I am
> not joking when acting in defense of my Clan. If you don't believe me
> ask the Wilson-Raybould and her many minions about my lititigation ask
> the Queen of England and I bet ya they will all play as dumb as post
> as per their oath to the Queen's Privy Council or the BAR.
>
> Need I say you snobby Yankee lawyers who take the liberty to assume
> the title of "Esquire" a joke to mean old me?
>
> I would lay odds that my long dead Loyalist ancesters are rolling in
> the their graves in Fundy Royal and laughing at a very simple but oh
> so true statement made by a wild child of theirs. FYI your Yankee
> Constitution does not recognize titles so you and lord over your
> fellow men. Who the Hell are you to call yourselves sons of Lords?
>
> To be fair to the nasy Yankees Politicians who call themselves
> Honourable are the biggest jokes of all
>
> Honourable Jody Wilson-Raybould, P.C., M.P.
> Minister of Justice and Attorney General of Canada
>
> Parliament Hill:
> Telephone: 613-992-1416
> Fax: 613-992-1460
>
> Department:
> Justice
> 284 Wellington Street
> Ottawa, Ontario
> K1A 0H8
> Telephone: 613-992-4621
> TTY: 613-992-4556
> Fax: 613-954-0811
> E-Mail: mcu@justice.gc.ca
>
> First things first have a Look at the 3 documents hereto attached (Not
> a big read)
>
> Listen to these old voicemails from interesting FEDS at about the
> same point in time (Won't take long)
>
> http://www.archive.org/details/FedsUsTreasuryDeptRcmpEtc
>
> then ask youselves or the lawyers Senator Shelby or Spizter or Cutler
> or Bernie madoff's old buddy Robert Glauber where the webcast and
> transcript went for a very important hearing held in late 2003 by the
> United States Senate Committee on Banking, Housing, and Urban Affairs.
>
> http://www.banking.senate.gov/public/index.cfm/hearings?ID=90F8E691-9065-4F8C-A465-72722B47E7F2
>
> Review of Current Investigations and Regulatory Actions Regarding the
> Mutual Fund Industry
>
> November 20, 2003 02:00 PM
> The Committee will meet in OPEN SESSION to conduct the second in a
> series of hearings on the “Review of Current Investigations and
> Regulatory Actions Regarding the Mutual Fund Industry.”
>
> Archived Webcast
>
> Witness Panel 1
>
> Mr. Stephen M. Cutler
> Director - Division of Enforcement
> Securities and Exchange Commission
> cutler.pdf (175.5 KBs)
>
> Mr. Robert Glauber
> Chairman and CEO
> National Association of Securities Dealers
> glauber.pdf (171.1 KBs)
>
> Eliot Spitzer
> Attorney General
> State of New York
> spitzer.pdf (68.2 KBs)
>
> Permalink:
> http://www.banking.senate.gov/public/index.cfm/2003/11/review-of-current-investigations-and-regulatory-actions-regarding-the-mutual-fund-industry
>
>
> Trust that the evil women and men that PM Trudeau "The Younger"
> appointed to to his cabinet will continue to play dumb because of
> their oath to The Privy Council. However it does not follow that
> everybody who works for them are dumb and they have no such oath to
> uphold N'esy Pas?.
>
> Veritas Vincit
> David Raymond Amos
> 902 800 0369
>
>
> PS Perhaps you all should scroll down and read some more EH Robert Glauber?
>
> https://www.sec.gov/rules/sro/nasd/nasd2003201/srnasd2003201-9.pdf
>
> http://mapper.nndb.com/maps/417/000011384/
>
> You dudes forgot somebody EH? Well the FEDS never did EH Mindless
> Marcy Litt and Petey Baby MacKay?.
>
> http://qslspolitics.blogspot.ca/2009/03/david-amos-to-wendy-olsen-on.html
>
>
> http://thedavidamosrant.blogspot.ca/2013/06/re-rcmp-just-exactly-how-dumb-are.html
>
> If want something very serious to download and laugh at as well Please
> Enjoy and share real wiretap tapes of the mob
>
> http://thedavidamosrant.blogspot.ca/2013/10/re-glen-greenwald-and-braz
> ilian.html
>
>> http://www.cbc.ca/news/world/story/2013/06/09/nsa-leak-guardian.html
>>
>> As the CBC etc yap about Yankee wiretaps and whistleblowers I must
>> ask them the obvious question AIN'T THEY FORGETTING SOMETHING????
>>
>> http://www.youtube.com/watch?v=vugUalUO8YY
>>
>> What the hell does the media think my Yankee lawyer served upon the
>> USDOJ right after I ran for and seat in the 39th Parliament baseball cards?
>>
>> http://archive.org/details/ITriedToExplainItToAllMaritimersInEarly2006
>>
>> http://davidamos.blogspot.ca/2006/05/wiretap-tapes-impeach-bush.html
>>
>> http://www.archive.org/details/PoliceSurveilanceWiretapTape139
>>
>> http://archive.org/details/Part1WiretapTape143
>>
>> FEDERAL EXPRES February 7, 2006
>> Senator Arlen Specter
>> United States Senate
>> Committee on the Judiciary
>> 224 Dirksen Senate Office Building
>> Washington, DC 20510
>>
>> Dear Mr. Specter:
>>
>> I have been asked to forward the enclosed tapes to you from a man
>> named, David Amos, a Canadian citizen, in connection with the matters
>> raised in the attached letter.
>>
>> Mr. Amos has represented to me that these are illegal FBI wire tap tapes.
>>
>> I believe Mr. Amos has been in contact with you about this previously.
>>
>> Very truly yours,
>> Barry A. Bachrach
>> Direct telephone: (508) 926-3403
>> Direct facsimile: (508) 929-3003
>> Email: bbachrach@bowditch.com
>>
---------- Original message ----------
From: "MinFinance / FinanceMin (FIN)" fin.minfinance-financemin.fin@canada.ca
Date: Tue, 10 Oct 2017 12:12:53 +0000
Subject: RE: Re CBC purported concerns about the Investment Industry and Professor Douglas Cumming's claim "That's how the world works."
To: David Amos motomaniac333@gmail.com
The Department of Finance acknowledges receipt of your electronic correspondence. Please be assured that we appreciate receiving your comments.
Le ministère des Finances accuse réception de votre correspondance électronique. Soyez assuré(e) que nous apprécions recevoir vos commentaires.
---------- Original message ----------
From: David Amos motomaniac333@gmail.com
Date: Tue, 10 Oct 2017 08:12:48 -0400
Subject: Re CBC purported concerns about the Investment Industry and Professor Douglas Cumming's claim "That's how the world works."
To: gopublic@cbc.ca, dean.buzza@rcmp-grc.gc.ca, Bill.Morneau@canada.ca, Diane.Lebouthillier@cra-arc.gc.ca, hon.ralph.goodale@canada.ca, Larry.Tremblay@rcmp-grc.gc.ca, Erica.Johnson@cbc.ca, harvey.cashore@cbc.ca, dcumming@schulich.yorku.ca, hgeller@mbclaw.ca, rick.hancox@nbsc-cvmnb.ca, denis.landry2@gnb.ca
Cc: david.raymond.amos@gmail.com, washington.field@ic.fbi.gov, Boston.Mail@ic.fbi.gov, Jacques.Poitras@cbc.ca, darrow.macintyre@cbc.ca, martine.turcotte@bell.ca, mirko.bibic@bell.ca, steve.murphy@ctv.ca, nmoore@bellmedia.ca, David.Akin@globalnews.ca, newsroom@globeandmail.ca
http://www.cbc.ca/news/canada/british-columbia/financial-advisor-earns-quarter-million-in-commissions-1.4328616
'I trusted him with my money': Woman says broker 'churns' her account,
rakes in over $250,000
Financial adviser claims client consented to hundreds of transactions
that earned him commission
By Erica Johnson, CBC News Posted: Oct 10, 2017 2:00 AM P
The investment firm also states that it is not responsible for the
alleged actions of its broker, and described Field as "a sophisticated
investor with extensive investment experience and knowledge" who
"actively participated in the ... decision-making relating to the
accounts."
'A known problem within the industry'
That defence makes lawyer Harold Geller bristle.
The financial loss litigator and his Ottawa firm have handled more
than 1,500 cases over the past decade, and Geller says more often than
not, investment firms try to blame their clients for mismanagement of
accounts.
Harold Geller
Lawyer Harold Geller says commissions that benefit advisers ahead of
their clients should be eliminated. (Don Somers/CBC)
"Almost every case I deal with, the consumer is told absolutely
ludicrous things like, 'You're sophisticated. You should have known.
You made the decisions,'" says Geller.
"Commissions put a financial adviser in a conflict between doing
what's right for the client and selling as much as they can," he says.
"It's a known problem within the industry."
'The results are unambiguous'
Whether commissions encourage financial advisers to make poor
investment choices for their clients was long debated, until the
Canadian Securities Administrators commissioned a team of academics in
2015 to conduct the largest study ever done in Canada on what's called
"embedded commissions" — commissions paid to a financial adviser by a
mutual fund company, rather than directly by the investor.
Douglas Cumming, a professor of finance at York University's Schulich
School of Business in Toronto, led the research, examining over 1.5
million pieces of data from mutual funds across the country.
"The results are unambiguous," says Cumming. "Advisers recommend the
funds that have the best kickbacks."
Douglas Cumming
Finance professor Douglas Cumming says 'people either love me or hate
me' after he published his findings which revealed investment
decisions by financial advisers are influenced by commissions. (Gary
Morton/CBC)
He also found that even when mutual funds start to perform poorly,
advisers are more likely to leave their clients' money in them, rather
than move the investment to a fund paying lower commissions.
"People have an incentive to behave in a very self-interested way,"
says Cumming. "That's how the world works."
Anyone recall my concerns about the missing records of this hearing?
https://www.banking.senate.gov/public/index.cfm/hearings?MonthDisplay=11&YearDisplay=2003
Review of Current Investigations and Regulatory Actions Regarding the
Mutual Fund Industry
November 20, 2003 02:00 PM
The Committee will meet in OPEN SESSION to conduct the second in a
series of hearings on the “Review of Current Investigations and
Regulatory Actions Regarding the Mutual Fund Industry.”
Archived Webcast
Witness Panel 1
Mr. Stephen M. Cutler
Director - Division of Enforcement
Securities and Exchange Commission
Mr. Robert Glauber
Chairman and CEO
National Association of Securities Dealers
Eliot Spitzer
Attorney General
State of New York
Check the dates on pages 1, 2 and 13
https://www.scribd.com/doc/2718120/integrity-yea-right
Listen to these old voicemails from interesting FEDS a couple years
later (Won't take long)
http://www.archive.org/details/FedsUsTreasuryDeptRcmpEtc
http://www.cbc.ca/news/canada/british-columbia/financial-advisor-earns-quarter-million-in-commissions-1.4328616
GO PUBLIC
'I trusted him with my money': Woman says broker 'churns' her account, rakes in over $250,000
Financial adviser claims client consented to hundreds of transactions that earned him commission
By Erica Johnson, CBC News Posted: Oct 10, 2017 2:00 AM PT
Louise Field is taking her former financial adviser and
the firm he worked for to court alleging he 'churned' her account,
earning over a quarter of a million dollars in commissions over four
years. (Erica Johnson/CBC)
A Vancouver senior is suing her former financial adviser and his investment firm, claiming her retirement nest egg was decimated largely by excessive commissions her broker earned by purchasing risky investments she didn't authorize.
"I trusted him," says 70-year-old Louise Field softly, her speech slow and slurred — the result of 40 years of dealing with multiple sclerosis. "I had no reason not to."
Go Public reporter Erica Johnson reviews
Louise Field's statements, showing hundreds of transactions that earned
her former financial adviser a quarter of a million dollars in
commissions. (Ken Leedham/CBC)
She gave the broker at Mackie Research Capital over a million dollars — largely an inheritance — and filled out a new client application form stating she wanted him to keep most of her money in low and medium-risk investments.
Over the next nine years, she withdrew money for a $500,000 condo and some living expenses. But after Jaques told Field and her husband that they were almost out of money because they were spending too much and lost money in the market downturn of 2008, the couple took a closer look at the investments.
They were stunned to see how the account had dwindled to just $45,000 in 2011.
- Been wronged? Contact Erica and the Go Public team
"I remember feeling, 'How could this have happened?'" says Jonathon Haddon. "It just seemed impossible that this had taken place."
In hindsight, Haddon wishes that he and his wife had noted the abundance of activity on her account, and checked the financial statements he describes as "confusing" more closely.
"The few statements I saw, I had trouble understanding," he says.
"I remember feeling, 'How could this have happened?'' - Jonathon Haddon
Field filed a lawsuit in 2015, alleging in her statement of claim that — among other things — her broker churned her accounts "in order to earn unwarranted commissions."
None of the allegations have been proven in court.
Commissions were 'eye-opening'
Go Public took Field's financial statements from Mackie Research Capital to a professor of accounting at University of B.C.'s Sauder School of Business, for analysis.
"The amount of commissions I saw was eye-opening," says Kin Lo, who tallied them up over a four-year period from 2003-06, during which most of the activity on the account occurred.
"It was more than $253,000. I was quite surprised to see the total."
'There is some degree of churning.' - Kin Lo, UBC accounting professor
Lo noted numerous instances where Jaques bought and sold stock in a particular company, and then bought and sold it again — sometimes on the same day.
"There is some degree of churning," says Lo, describing an illegal and unethical practice of buying and selling of securities solely to generate commissions.
UBC professor of accounting Kin Lo says there
is 'no guarantee that every broker will act in the best interest of
their clients.' (Sia Desvareh/CBC)
Risky investments
Her adviser made a high number of trades — hundreds over the four-year period — and many of them were in high-risk investments, says Lo.
"I was surprised to see that there were also quite a number of trades involving the more speculative penny stocks," he notes.
In general, the higher a stock's risk, the bigger the commission paid to the broker and investment firm.
"I feel really betrayed by [Jaques]," says Haddon. "He was using the account as his private piggy bank."
Financial adviser disciplined
In 2014, the Investment Industry Regulatory Organization of Canada (IIROC) fined Jaques $80,000 for failing to ensure that investments he made for Field were suitable for her, and for failing to co-operate with its investigation.
He was also permanently banned from being a registered adviser and ordered to pay $20,000 in costs.
To date, Jaques has not paid any of the fines. Unlike in Ontario, P.E.I., Alberta and Quebec, IIROC does not have the power in B.C. to use the courts to collect fines.
Broker says he had consent for all transactions
Jaques could not be reached for comment and his lawyer was unavailable for an interview.
In his statement of defence in the lawsuit, Jaques says Field consented to all transactions, relied upon her own, independent research and judgment, and that the account suffered because Field relied on advice from others, including Haddon. There was also a change in market conditions and Field herself removed funds, the court document says.
Go Public requested an interview with a representative from Mackie Research Capital, but the firm's lawyers said no one could comment because the matter is before the courts.
In its statement of defence, Mackie Research Capital denies that it failed to supervise its financial adviser, or that Field suffered any damages.
Louise Haddon holds financial statements from
Mackie Research Capital, revealing repeated commissions earned for the
firm and its broker, Simon Jaques. (Ken Leedham/CBC)
'A known problem within the industry'
That defence makes lawyer Harold Geller bristle.
The financial loss litigator and his Ottawa firm have handled more than 1,500 cases over the past decade, and Geller says more often than not, investment firms try to blame their clients for mismanagement of accounts.
Lawyer Harold Geller says commissions that benefit advisers ahead of their clients should be eliminated. (Don Somers/CBC)
"Commissions put a financial adviser in a conflict between doing what's right for the client and selling as much as they can," he says. "It's a known problem within the industry."
'The results are unambiguous'
Whether commissions encourage financial advisers to make poor investment choices for their clients was long debated, until the Canadian Securities Administrators commissioned a team of academics in 2015 to conduct the largest study ever done in Canada on what's called "embedded commissions" — commissions paid to a financial adviser by a mutual fund company, rather than directly by the investor.
Douglas Cumming, a professor of finance at York University's Schulich School of Business in Toronto, led the research, examining over 1.5 million pieces of data from mutual funds across the country.
"The results are unambiguous," says Cumming. "Advisers recommend the funds that have the best kickbacks."
Finance professor Douglas Cumming says
'people either love me or hate me' after he published his findings which
revealed investment decisions by financial advisers are influenced by
commissions. (Gary Morton/CBC)
"People have an incentive to behave in a very self-interested way," says Cumming. "That's how the world works."
'Status quo is not an option'
The Ontario Securities Commission recently convened a roundtable aimed at discussing the end of the little known commissions for financial advisers.
"The status quo is not an option," OSC chair Maureen Jensen told a packed room of players from the investment industry. "We can't ignore the evidence that the current model does not work for investors."
The OSC aims to present its policy recommendations in the spring of 2018. Regulators in British Columbia and Quebec are also discussing the option of banning embedded commissions.
Places like England, continental Europe and Australia banned embedded commissions several years ago.
'I just want what's right'
Meanwhile, financial worries have meant Field's husband has had to delay retirement from his job as a mental health worker. Field's disease has prevented her from being able to work for three decades.
The court case has been adjourned because of Field's deteriorating health, and no future date has been set.
"I'm not vindictive," says Field. "I just want what's right."
Submit your story ideas
Go Public is an investigative news segment on CBC-TV, radio and the web.
We tell your stories and hold the powers that be accountable.
We want to hear from people across the country with stories they want to make public.
Submit your story ideas at Go Public.
Follow @CBCGoPublic on Twitter.
Go Public is an investigative news segment on CBC-TV, radio and the web.
We tell your stories and hold the powers that be accountable.
We want to hear from people across the country with stories they want to make public.
Submit your story ideas at Go Public.
Follow @CBCGoPublic on Twitter.
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