From:	XXXX
Sent:	February-27-14 11:34 PM
To:	Consumer Code / Code consommateur
Subject:	consultation paper


Greetings, I hope that you are able to see past my contrite contribution and distill some value in it.
 
My Name is XXXX. I am also a current registrant under the Federally regulated Real Estate and Business Brokers Act.

My contribution here will be swift and direct. All consideration presented will be clearly devoted to the idea 
that the financial apparatus itself – As a structural component of a society, must be made to operate as 
an entity that provides an inerrant benefit to society, and not a method of profiteering and usurpation as is 
its current incarnation.  
 
Current faults are associated by:
 
A)      The refusal of banking institutions to accept legal cash tender (the integrity of which is federally 
managed) for credits and debits to accounts as payment in full on the date and time received and not 
POST DATED – or refused.
 
B)       The current absence for debate and transparency with regards to cash-flow from the vaults of the 
C.M.H.C (Canadian Mortgage and Housing Corporation) to the repository of private, corporately 
controlled, banking monopolies which have distinctly separate mandates from that of government.
 
C)       The current environment under which mortgage products are sold by the dominant franchises. 
Principally, mortgage products which contain numerous, less than transparent, detrimental implications. 
And which are primarily dependent on consumer naiveté  - As exampled by: XXXX.
 
D)      The ability for credit card companies to insert services and fees onto a client's credit card, which 
only require the consumer to provide authorization by not responding to the service being surreptitiously 
added. Further to that, the insurance products which are applied with stealth are not managed as true 
insurance products – which require notification of term renewal and the like. (Principally because they are 
not true financial services offered – more accurately represented as "leach billing").
 
E)       The current service offerings that banks enjoy which provides them with the ability to 
circumnavigate the law and any culpability associated with unlawful behavior. Namely, the ability of 
banking institutions to employ Collection Agencies - Who themselves employ unlawful acts of 
harassment, along with active limiting of settlement terms for the consumer.
 
It may be noted here that the above falls under the providence of the Ministry of Consumer Protection, 
and that current regulation is in place to affect the above. This is a myth. The Ministry of Consumer 
Protection has removed from its website the recommendation to consumers dealing with collection 
agencies "get everything in writing" and replaced it with "follow up in writing". The implication for the 
consumer is distinctly adverse – and remains inconsistent with the recommendations provided by the 
Ministry on all other industries.