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https://davidraymondamos3.blogspot.com/2020/11/what-are-parents-going-to-do-nb-renters.html
'What are parents going to do?': N.B. renters face eviction despite COVID-19 surge
New owners of some apartment buildings have ordered everyone out, pandemic or not
· CBC News · Posted: Nov 23, 2020 6:00 AM AT
Tara Cripps shows the letter she received from the National Bank's lawyer demanding she and her partner along with their five children be out of their home of the last seven years two weeks after Christmas. (Robert Jones/CBC)
Ownership changes in New Brunswick apartment complexes that in some cases have been generating eviction notices for tenants in entire buildings is causing anxiety among those displaced.
It has led to calls for the province to delay the practice, at least while COVID-19 is surging.
"We're in the orange zone now," said Tara Cripps, who was told last week by National Bank she, her partner and their five children were being put out of their Saint John home of seven years.
"We can't even say, 'Hey, can we stay at your house?' We're supposed to be all in one family bubble thing again."
She said she's going to need friends to help her pack up.
"And I'm going to need their trucks and their cars and stuff to move. Is somebody going to call the police and be, like, 'There's multiple people going in and out of this house?'"
National Bank recently foreclosed on the Saint John apartment building owned by Cripps's landlord and, on Nov. 12, sent a lawyer's letter to her and her partner ordering them and their children to get out two weeks after Christmas.
On Jack Street in Saint John, tenants of a 24-unit building owned by a New Brunswick numbered company operating out of Ontario were notified in September that they had to be out by Nov. 30. (Roger Cosman/CBC)
"National Bank requires immediate vacant possession of the above noted property," read the notice from its Fredericton lawyer, Paul White. "On behalf of our client we hereby demand vacant possession on or before Wednesday January 6, 2021.
"Should you not vacate … it will be necessary for us to make court application to have you evicted and we will be asking for costs on behalf of [National Bank]."
"I've been here seven years and I've never been late on my rent," said Cripps.
"I've come to the understanding I need to find a new home. OK. But wait until it's a safer time. Wait until we're not in the orange zone. Wait until it's a little bit warmer. I'm hoping someone at the bank has a heart."
The
eviction of tenants unable to pay rent was halted by the Higgs
government in the early days of the pandemic in March but those
restrictions were lifted June 1.
Residents of 45 Jack Street in Saint John were all given eviction notices in September to be out by next week. At least two tenants remain. (Roger Cosman/CBC)
Since then, a new type of eviction has emerged as large numbers of New Brunswick apartment buildings have changed hands with some of the new owners wanting current tenants out.
Ron Blache-Fraser, a local property manager, said out-of-province investors have taken an interest in New Brunswick income properties as attractive real estate investment opportunities.
"There's a lot of interest from out-of-town buyers for all sorts of buildings in Saint John because the prices are lower, the returns are better," he said. "It's pretty straightforward."
In October, two five-unit buildings on Sherbrooke Street in Saint John were purchased by a group of Vancouver-area investors who paid $470,000 for the properties — 35 per cent above their assessed value.
The group then issued eviction notices to tenants in one of the buildings so renovations can be done and rents increased.
All of the tenants at 332 Sherbrooke Street were given eviction notices to be out by the end of January. (Robert Jones/CBC)
Blache-Fraser is managing those buildings and said they were in poor condition and needed significant work. He expects rents, which were between $475 and $650 per month prior to the purchase, will climb to $975 for a two-bedroom unit once renovations are complete.
"We issued notice that we would be doing major renovations and gave tenants three-months notice, which we did not have to do," said Blache-Fraser.
"They need to be out at the end of January. Some are already leaving and we're in the process of renovating because the buildings are in deteriorated condition."
Across the city on Jack Street, a 24-unit building owned by a New Brunswick numbered company operating out of Burlington, Ont., issued eviction notices to tenants in September to be out by Nov. 30.
That deadline is next week. Although most tenants have gone elsewhere, at least one woman remains.
Dave Cormier is her son.
He said she has been in the building for 10 years. He said finding a two-bedroom unit for her for the $750 per month she currently pays has been difficult with vacancy rates falling and rents increasing all over Saint John.
"It's almost impossible unless you've got $1,400, or $1,600 or $2,000 [for rent]," he said.
"Even $1,100 for a two-bedroom apartment is a lot of money for low-income [people]."
Cormier has been speaking with the province about public housing and is hopeful something is happening, but with the eviction deadline just a week away and COVID-19 suddenly spiking in the community, it has been a stressful experience.
"It's scary. You know, COVID-19 is not making this any easier at all. It might be a little bit easier if that wasn't going on, but it is. And because of that, things are difficult."
Last week, a surge in COVID-19 infections across southern New Brunswick caused the province to downgrade communities from Sackville to St. Stephen, including Moncton and Saint John, from the yellow phase to the orange phase of pandemic recovery. That requires the public to limit contacts with people outside of their household bubble.
Premier Blaine Higgs was asked Friday if there are any additional protections for tenants in orange-phase areas who are being put out of their buildings. His answer was no.
"No, not at all," said Higgs. "Not at this time."
That causes worry for tenants like Cripps. Her landlord owns multiple buildings and she said the letter carrier who delivered her eviction notice told her he had several others to hand out.
A spokesperson for National Bank said it was not involved in other evictions and has already contacted Cripps about allowing her family to stay where it is.
"Other cases were with other lenders," said Jean-Francois Cadieux. "Our legal external counsel has contacted the tenants. He presented them solutions and informed them that we will not be asking that they vacate their apartment."
'Kids can't sleep in a car'
But Cripps said the bank's solution involves her making an offer to buy the building. She said she doesn't have a down payment and doubts she could afford the building.
She does not want to uproot her children before Christmas but is worried about what comes after, especially if large numbers of other evicted renters are suddenly in the market at the same time looking for a place to live.
"There are good tenants that are being penalized and now they're being put out," she said.
"All these families now need to find a home. We're all going to be fighting for an apartment. There are going to be people who are probably going to end up homeless. What are parents going to do? Kids can't sleep in a car."
Corrections
- An earlier version of this story said an Ontario company bought a pair of 24-unit buildings on Jack Street this year. In fact, one of the buildings was purchased this year and one in 2015.Nov 23, 2020 10:27 AM AT
About the Author
If you're a person renting from one of these businesses worry because Higgs has their backs.
You've just seen what your votes got you when you elected the Empire's man.
"What are parents going to do?' Methinks Higgy et al should agree that they should talk to me N'esy Pas Mr Prime Minister Trudeau the Younger whose friend the Governor General used to to be a director of this dubious Bank?"
Methinks its best that you tell your RCMP puppet masters what you are up to as well because you know as well as I that I already notified them AGAIN N'esy Pas?
https://coxandpalmerlaw.com/people/paul-j-white/
- Phone:(506) 453-9671
- Fax:(506) 453-9600
- Email pwhite@coxandpalmer.com
Paul is a partner in the Fredericton office of Cox & Palmer. Originally from Thunder Bay, Ontario, He was called to the New Brunswick Bar in 2003 after completing his education at the University of New Brunswick in 2002. He practices primarily in the areas of corporate and commercial, real estate law and financial services and banking.
Prior to his career in law, Paul received his Bachelor of Science degree from Jacksonville University, Florida in 1986, then competed as a professional triathlete for 13 years.
https://www.canadianlawlist.com/listingdetail/company/national-bank-of-canada-681849/
National Bank of Canada
https://www.nbc.ca/en/about-us/news/news-room/centre-media-banque-nationale.html
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Our Media Centre is a gateway that allows National Bank experts to appear on various television networks on a regular basis. Created in 2005, the studio enables us to react to news quickly by way of live interviews with our specialists.
If you are seeking an experts opinion on:
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Media inquiries:
- Jean-François Cadieux, Senior Manager, Public Affairs and Corporate Social Responsibility, by telephone at 514-394-6500, or by e-mail at jean-francois.cadieux@nbc.ca
- Marie-Pierre Jodoin, Senior Manager, Public Affairs and Corporate Social Responsibility, by telephone at 514-394-4209, or by e-mail at mariepierre.jodoin@nbc.ca
---------- Original message ----------
From: "Higgs, Premier Blaine (PO/CPM)" <Blaine.Higgs@gnb.ca>
Date: Mon, 23 Nov 2020 21:00:55 +0000
Subject: Automatic reply: What are parents going to do?' Methinks
Higgy et al should agree that they should talk to me N'esy Pas Mr
Prime Minister Trudeau the Younger whose friend the Governor General
used to to be a director of this dubious Bank?
To: David Amos <david.raymond.amos333@gmail.
Thank you for taking the time to write to us.
Due to the high volume of emails that we receive daily, please note
that there may be a delay in our response. Thank you for your
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If you are looking for current information on Coronavirus, please
visit www.gnb.ca/coronavirus<http://
If this is a Media Request, please contact the Premier’s office at
(506) 453-2144.
Thank you.
Bonjour,
Nous vous remercions d’avoir pris le temps de nous écrire.
Tenant compte du volume élevé de courriels que nous recevons
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Merci.
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---------- Original message ----------
From: David Amos <david.raymond.amos333@gmail.
Date: Mon, 23 Nov 2020 17:00:51 -0400
Subject: What are parents going to do?' Methinks Higgy et al should
agree that they should talk to me N'esy Pas Mr Prime Minister Trudeau
the Younger whose friend the Governor General used to to be a director
of this dubious Bank?
To: jean-francois.cadieux@nbc.ca, "blaine.higgs"
<blaine.higgs@gnb.ca>, premier <premier@gnb.ca>, pm <pm@pm.gc.ca>,
"Katie.Telford" <Katie.Telford@pmo-cpm.gc.ca>, "Robert. Jones"
<Robert.Jones@cbc.ca>
Cc: motomaniac333 <motomaniac333@gmail.com>,
mariepierre.jodoin@nbc.ca, pwhite@coxandpalmer.com, "greg.byrne"
<greg.byrne@gnb.ca>
'What are parents going to do?': N.B. renters face eviction despite
COVID-19 surge
New owners of some apartment buildings have ordered everyone out,
pandemic or not
Robert Jones · CBC News · Posted: Nov 23, 2020 6:00 AM AT
"Premier Blaine Higgs was asked Friday if there are any additional
protections for tenants in orange-phase areas who are being put out of
their buildings. His answer was no.
"No, not at all," said Higgs. "Not at this time."
That causes worry for tenants like Cripps. Her landlord owns multiple
buildings and she said the letter carrier who delivered her eviction
notice told her he had several others to hand out.
A spokesperson for National Bank said it was not involved in other
evictions and has already contacted Cripps about allowing her family
to stay where it is.
"Other cases were with other lenders," said Jean-Francois Cadieux.
"Our legal external counsel has contacted the tenants. He presented
them solutions and informed them that we will not be asking that they
vacate their apartment."
'Kids can't sleep in a car'
But Cripps said the bank's solution involves her making an offer to
buy the building. She said she doesn't have a down payment and doubts
she could afford the building.
She does not want to uproot her children before Christmas but is
worried about what comes after, especially if large numbers of other
evicted renters are suddenly in the market at the same time looking
for a place to live.
"There are good tenants that are being penalized and now they're being
put out," she said."
---------- Forwarded message ----------
From: David Amos <david.raymond.amos333@gmail.
Date: Tue, 13 Nov 2018 16:57:56 -0400
Subject: Fwd: I called many of you Banksters and tried to explain this
email Correct?
To: denis.brindamour@bnc.ca
Cc: "David.Raymond.Amos" <David.Raymond.Amos@gmail.com>
Denis Brind'Amour
Called to the bar: 2007 (QC)
National Bank of Canada
130 King St. W.
Toronto, Ontario M5X 1J9
Phone: 416-507-9885
Email: denis.brindamour@bnc.ca
---------- Forwarded message ----------
From: "Paradis, Dominic (Affaires juridiques)" <Dominic.Paradis@bnc.ca>
Date: Tue, 13 Nov 2018 20:52:55 +0000
Subject: Réponse automatique : I called many of you Banksters and
tried to explain this email Correct?
To: David Amos <david.raymond.amos333@gmail.
Veuillez prendre note que je serai de retour mercredi le 22 novembre.
Kindly take note that I will be back on Wednesday, November 22.
Pour toute urgence, prière de contacter / In case of emergency, please contact :
Denis Brindamour
647 225 1521
denis.brindamour@bnc.ca
Merci
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---------- Forwarded message ----------
From: David Amos <david.raymond.amos333@gmail.
Date: Tue, 13 Nov 2018 16:52:39 -0400
Subject: I called many of you Banksters and tried to explain this email Correct?
To: ellen.patterson@td.com, stephanie.robinson@bmo.com,
Jane.percival@bmo.com, francois1.morin@bmo.com,
patrick.o'herlihy@harrisbank.
motomaniac333 <motomaniac333@gmail.com>,
Diane.Flanagan@scotiabank.com, petere.scott@bmo.com,
corporate.secretary@cibc.com, Stephen.Scholtz@cibc.com,
Michael.Capatides@cibc.com, kathrine.smirle@rbc.com,
miguel.mendes@bmo.com, diane.winters@justice.gc.ca,
"Diane.Lebouthillier" <Diane.Lebouthillier@cra-arc.
kplunkett@airdberlis.com, dominic.paradis@bnc.ca, lilac.bosma@hsbc.ca
Cc: "David.Raymond.Amos" <David.Raymond.Amos@gmail.com>
http://davidamos.blogspot.com/
DEPARTMENT OF JUSTICE
Counsel for the Canada Revenue Agency
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Diane Winters
Tel: 416-973-3172
Fax: 416-973-0810
Email: diane.winters@justice.gc.ca
Ellen Patterson
Group Head and General Counsel
TD Bank Group
Ellen Patterson is Group Head and General Counsel, TD Bank Group, and
is responsible for leading the bank's Legal, Compliance, and
Anti-Money Laundering teams. Ellen also oversees TD's corporate
secretarial function.
Ellen joined TD in 2012 as General Counsel of the bank's U.S. banking
operations. Most recently, she managed legal risk for TD on an
enterprise basis, and led the U.S. Compliance, AML, and Financial
Crimes & Fraud Management groups.
Ellen is a passionate supporter of programs aimed at developing future
leaders, and is Executive Sponsor of TD's Women in Leadership program
across the United States. In 2016 and 2017, Ellen was recognized as
one of 25 "Women to Watch" by American Banker.
Prior to joining TD, Ellen was a partner with the law firm of Simpson
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Ellen is a graduate of Columbia Law School and received her
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Ian Arellano to become Executive Vice President and General Counsel at
TORONTO, May 31, 2017 /CNW/ - Scotiabank (TSX: BNS) (NYSE: BNS) today
announced that Ian Arellano will become Executive Vice President and
General Counsel on January 2, 2018.
"Ian is a highly-talented legal expert and a seasoned global business
advisor," said Brian Porter, President and CEO at Scotiabank. "He has
worked closely with Scotiabank on many important transactions over the
years, and brings a great familiarity with our global business model
and key international markets. His experience and judgment make him an
ideal fit to lead Scotiabank's legal team and we are delighted to
welcome him to our Executive team."
Ian joins Scotiabank from Torys LLP, where he is Co-head of the firm's
International Initiative and a senior partner in its corporate
transactions practice. Ian will join Scotiabank as Executive Vice
President, Legal, on September 5, 2017 and work with Deborah
Alexander, who has led Scotiabank's legal team as Executive Vice
President and General Counsel for 15 years, until her planned
retirement at the end of 2017.
"Debbie is one of Canada's most highly-regarded securities lawyers,
and her strategic guidance and counsel have been invaluable to
Scotiabank during a period of monumental change in the banking
industry," said Mr. Porter. "We are grateful that she has agreed to
stay on at Scotiabank and to assist in this important transition."
As Executive Vice President and General Counsel, Ian will report
directly to Brian Porter and lead Scotiabank's global legal affairs,
corporate secretary and corporate governance office functions. He will
serve as a member of the Bank's Operating Committee, and will chair
the Bank's Reputational Risk and Disclosure Committees.
About Ian Arellano:
Ian Arellano graduated with an LLB from the University of Toronto and
was called to the Bar in 1986. Over thirty years of practice, he has
held increasingly senior roles and developed extensive experience
across the mining and financial services sectors in M&A, joint
ventures and strategic alliances, licensing and other contractual
matters. At Torys LLP, Mr. Arellano is Co-head of the firm's
International Initiative and a senior partner in the corporate
transactions practice. Mr. Arellano has advised Scotiabank on many
transactions, including acquisition of a 51% stake in Banco Colpatria
in Colombia, the acquisition of Citigroup's retail and commercial
banking assets in Panama and Costa Rica, and of our 51% stake in
Cencosud's S.A.'s financial services business in Chile. Mr. Arellano
has been recognized by numerous organizations for his work including
being named a Leading Lawyer in Corporate Law by Best Lawyers in
Canada (2013-2017).
About Scotiabank
Scotiabank is Canada's international bank and a leading financial
services provider in North America, Latin America, the Caribbean and
Central America, and Asia-Pacific. We are dedicated to helping our 23
million customers become better off through a broad range of advice,
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follow us on Twitter @ScotiabankViews.
SOURCE Scotiabank
For further information: For media enquiries only: Diane Flanagan,
Public and Corporate Affairs, Scotiabank, (416) 933-2176,
Diane.Flanagan@scotiabank.com
Michael G. Capatides
Senior Executive Vice-President, Chief Administrative Officer and
General Counsel
View high res photo
Michael Capatides leads CIBC's Administration Division and has overall
responsibility for the Legal, Privacy, Ombudsman, Corporate Secretary,
Global Regulatory Affairs, and Government Relations groups. He also
leads CIBC FirstCaribbean International Bank and CIBC's Strategy and
Corporate Development function. Mr. Capatides is headquartered in New
York and Toronto.
Mr. Capatides joined CIBC in 1996 as General Counsel and Managing
Director of CIBC World Markets, with responsibility for legal and
compliance matters for CIBC World Markets globally. He was appointed
Executive Vice-President and CIBC's General Counsel in 1999 and Senior
Executive Vice-President and General Counsel in 2007. Mr. Capatides
was appointed Senior Executive Vice-President, Chief Administrative
Officer and General Counsel in 2008 and assumed leadership for
Strategy and Corporate Development in September 2014.
Prior to joining CIBC, Mr. Capatides was a partner with Mayer, Brown &
Platt from 1988. He previously served as a vice-president in the legal
departments for Citibank and Chemical Bank, and began his career as an
associate at Shearman & Sterling in 1980.
Mr. Capatides received his A.B. degree from Rutgers College in 1977
and his J.D. degree from the Columbia University School of Law in
1980.
---------- Forwarded message ----------
From: "MinFinance / FinanceMin (FIN)" <fin.minfinance-financemin.
Date: Tue, 13 Nov 2018 18:05:38 +0000
Subject: RE: Dr. Mohamed LACHEMI I just called
To: David Amos <david.raymond.amos333@gmail.
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.
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