Lloyds Bank
Reviews and Complaints

Sirs/s, I have a customer who wishes to purchase goods offering a SBLC to be issued by your good bank. However, the Lloyds bank officer business card, made me confused, as the email domain is different than the usual.

That is "martin.[protected]@global.lloydsbank.com".

I wanted to verify if this address is correct, to avoid problems in future.

Your reply will be helpful and much appreciated.

My email ID: [protected]@gmail.com

Thanks in advance and regards.

Mano Seraderian

Lloyds Bank Customer Care

Please pass on my thanks to Monique for her help and diligence in solving both the hiccups in Lloyds debit card / PIN number system and the current difficulties with my accounts.

At a particularly sensitive and stressful period for me, Monique's financial advice and expertise along with the support of the branch manager, were invaluable.

Much appreciation for the effort and professionalism but also personal service provided.

Kind regards

DJ Roslyn

Having experienced iPhone problems recently despite assistance from the local iPhone Store I was unable to access my LLoyds account via the App despite never having had a moment's problem previously in the years of my using it. On 23 April 2025 I emailed mobileapps@lloydsbanking.com to explain my issue but have not yet received a response.
I have been forced to contact 00441733232030 on multiple occasions (today several times) but despite my having answered all the security questions and changing my logon details ad nauseam I am still unable to use the App despite being told that everything has now been resolved!
In the rare moments of hope when I could speak to a live agent the advice was excellent but, invariably my call was terminated, with zero hope of my receiving a call back. To make matters worse, occasionally I am asked to request an automated phone call to enter a 4-digit code but the call never materialises. Another pop up annoyingly says that I have tried to log on too many times; ergo I must restart the cycle.
I even took a picture of my UK passport and a selfie which were accepted but the problem with the App still persists.
What am I now supposed to do please? Help!

This is the text of an email sent to your worldwideservice on Tuesday, March 18 at 18.46

Dear Sirs,

I am unhappy with the internal switch arrangement that you provide. I have banked with you for over 60 years and expected much better service. Let me explain.

Today I called your customer service to try to arrange a complete switch from my Gold account to my Classic account. I was told that I would have to make all the arrangements with the 11 businesses where I have a DD, as well as making the arrangements with various bodies which provide my pensions and share dividends. I could hardly believe what I was hearing.
Later today, I called again - same answer but I persuaded your adviser to check whether an internal swicth was indeed possible. Eventually, she came back to tell me that it was. However, it couldn't be done online, I would have to go to my local branch and the process would take at least 28 days ( yet if I was switching from another bank, you say it only takes 7 working days!)

After over 60 years as a loyal customer, I am very tempted to switch to another bank, as the process is relatively fast (7 days) and on top I would be offered a one-off payment roughly equalling what the Gold account costs me!

The reason I want to switch internally is that I rapidly approaching my 80th birthday and the medical cover provided by AXA will not apply, I already have a car breakdown plan and my mobile phone is covered by my household contents policy. The Classic current account will suit my circumstances better.

I look forward to hearing from you soon.

Yours faithfully,

David Bell

DFT Bell
56 Brooke Avenue
Harrow
HA20NF

1. I have called your help line 3 times and each time they say they have fixed the problem. They removed one of my optional numbers, namely my Portuguese one which I use outside the UK and despite putting credit on my phone, it still doesn't work.

2. Unable to look at my account apart from when you connected me, I noticed £8.99 is being taken from my account from Amazon, when I have never set up such a payment

My email address is [protected]@gmail.com. Allan Byrne

My call was disconnected 4 times during transfer from automated speel to an actual person. I then went to my local bank and now found it shuts on Monday. What I want to know is why my call was disconnected. I have been with you for over45 years. Your service is getting worse. I cannot even open a new savings account at my local bank. I am now considering closing all my accounts with you. Name Lynne Spillett from Blackwood Caerphilly. Please reply with an explanation. Thank you

Dear Sir /Madam,

I'm writing to you from Greece, in order to get some help and advice related to a potential scam that might I'm dealing with.

Long story short : I posted an ad on facebook marketplace about a graphics card (private sale of my own hardware, I'm not a professional seller). A person from England with a regular FB account wanted to buy the card for his cousin here in Greece (Athens), as he claims. We had an agreement. He wanted to also include some steam game cards and I agreed. Then he asked for some personal information (bank account, email etc.) and sent me a proof of wire transfer from Lloyds phone application, as he claims. But after that I'm receiving several claims asking to transfer extra money to some suspicious accounts via paypal (as I have a paypal and not a Steam account) in order to finalize the transaction for the graphics processor unit and steam gift cards. transfer to my greek account is holded and I received nothing. I didn;t ship the items by the way.

I'm receiving suspicious emails asking for money from:

[protected]@gmail.com

Is that a regular Lloyds email or not? This might be a scam or something?

[Unfortunately I already sent € 50.00 via Paypal (family - friends transfer...!) yesterday according to instarcations from this specific email. today they wanted extra money but I searched about it and found this:

https://www.scamwarners.com/forum/viewtopic.php?f=6&t=189394]

I'll try to contact facebook and PayPal about a potential scam that I'm afraid is happening.

I would sincerely appreciate it if you send me some feedback about this specific mail address.

Kind regards

Ioannis Petrocheilos

[[protected]@gmail.com]

I find it deplorable that Lloyds Bank continues to close rural branches. This puts pressure on rural Post Offices who are doing a lot of their job for them. I also resent the amount of money spent continually by Lloyds Bank on advertising especially featuring Black Horses who now seem to cross rivers. The training of the these horses must cost thousands of pounds in addition to cost of placing these adverts on television or the cinema. This money needs to be spend on re reopening branches and not closing them.

Once again I have tried transferring money. I spent hours at the weekend. When you go thru' the internet banking at the very end it tells you you have to phone a certain number. If that is the case why are you wasting customers time. Even after speaking with someone and telling them what I had for breakfast. I get a text to day to contact you. I then give up as its been 30 minuets and I have once again been left on hold. You have now also locked me out of online banking. The last time this happened it took well over a week for the transfer to go thru,

I had to go to a branch twice and even then they told me I had to do it on line or phone. A message told me to contact the fraud department. This was late afternoon and told the wait was two hours. I declined. And for all the time and trouble I went thru' you gave me £20 Compensation. I have said many many time's I am leaving Lloyds. This time I mean it. Lloyds are a disgrace. You do not value my business. I have not even received a new card for the saving account. it ran out in 2020. So one assumes the transaction of £3,929.68 will take another week Account [protected] 30.80.42 [protected] 77.01.11. So I now have to explain to the person why I have not paid the.

Matthew Henthorn

i am quite confused since I have dementia and can't seem to remember my id and password I have everything else written down: Matthew Henthorn

Sort code -777751

Account number-[protected]

But I seem to not have my password I also made a new email and forgot to update please respond back with my email

[protected]@proton.me

Your sincerely Matthew

Dear Lloyds Bank Company Group,

I am writing to you with regards to the recent inconveniences that I have been experiencing over the past few weeks. Firstly, my bank account was hacked which caused a significant amount of stress and anxiety. Secondly, I have noticed a constant decline in transactional services which has made it uncomfortable and frustrating to use your services.

As a loyal customer, I am disappointed with the level of service that I have been receiving from your company. These issues have caused me to incur additional costs and have significantly impacted my ability to manage my finances. I believe that I am entitled to compensation for these inconveniences and hope that you will take immediate action to resolve any disputes that may arise from these incidents.

Therefore, I request that you provide me with a suitable compensation package for the inconvenience that I have been caused. I would appreciate it if you could respond to my request as soon as possible so that I can continue to use your services with confidence and trust.

I look forward to hearing from you soon.

Yours sincerely,

Simon Ibrahim watila

DD/MM/YYYY-04/08/2005

Account number- [protected]

Sort code- 30-94-44

Some time ago at the beginning of October I had to (try) to contact Lloyds Bank regarding an account that the not for profit organisation that I am Chair of - namely, CORKY's GROVE - had had a drastic loss of officers and our (then) new Treasurer and one other signatory to our account had left. This left just me as the only remaining signatory. I had been unable to access our account online so tried on numerous occasions to speak on the phone to staff for help. I found different staff suggested or instructed different things and in the end I was directed to download, complete and return certain forms in the post. This I did, and additionally, I included evidence of my own identity for good measure.

After a number of such calls I had hoped my envelope of documents would enable Lloyds to identify me, authorise me and help me get onto the account so that its balance can be ascertained and checked as we fear the removal of monies.

To date, I have had no reply or other contact in any form from Lloyds and our group is no nearer being able to access its account, the balance should be circa £329.

Been lied to on many occasions, need phone recording’s to prove this but apparently technical problems. Want to borrow on my mortgage spent well over a month trying. Have lost overtime to talk. I’ve lost a lot of money and still no one has contacted me. Tomorrow I will ring again about my complaints and borrowing on mortgage as no one has contacted me. I’ve had enough now

I have been with lloyds bank since January 1974. They have always been extremely helpful and understanding especially during the miners strike.

Because of the change in bank holiday etc I have found myself in a position whereby I need an overdraft of £200 for ONE DAY. However I have been declined because the computer says NO. Whilst I accept that staff have to abide by what the computer says, surely there must be some flexibility. Sadly LLOYDS may have lost someone who has been a loyal customer since she started work.

Susan Lowther

Mohammed Abdul Raquib Farooqui, OBO

Pickering, Ontario L1X0E1

[protected]

March 3rd, 2022

Asima Zahid

Director of Market Development Lloyd's of London

200 Bay Street, Suite 2930 PO Box 51 Toronto, Ontario M5J2J2 [protected] Asima. [protected]@Lloyds.com

Dear Mrs. Zahid,

I regret to inform you that a massive fire broke out in the first home that I purchased in Canada (Date of Closing 11-22-2021) located at 293 Louis Ave Windsor, ON N9A 1W1, at about 12:06 a. m on Tuesday, December 7, 2021.

The fire was reported in the Windsor Star article shared to me by Eric Jones, H.B. Comm., Area Practice Manager of J.S. Held ULC. The article is stating that the Windsor police are investigating the matter after a vacant home caught fire shortly after midnight Tuesday. Windsor Fire and Rescue Services responded to the reported blaze in the 200 block of Louis Avenue at around 12:06 a.m. The home was unoccupied and no one was injured. Crews had the fire extinguished around 1 a.m. Fire officials estimated the fire caused about $125,000 in damage and said Windsor police will be taking over the investigation into how the fire began.

The subject of the matter being presented is in relation to an insurance claim for fire, theft, trespass and vandalism damages against policy number CS602459.

I contacted the listing brokerage known as LC Platinum Realty Inc. Brokerage in regards to their listing MLS®#: [protected] on Sunday, October 31, 2021. At 6:23 PM I received an email from the brokerage agent Muhammad Naveed with the broker full MLS.

Further contract negotiations began with LC Platinum Realty Inc. Brokerage agents Muhammad Naveed and Asif Muzaffar that were representing Hamilton Express Builders Inc., in selling a residential zoned freehold. An offer was sent contingent to standard clauses OREA 100 and a broom swept clean clause that was accepted Sunday, October 31, 2021, at 11:38 PM via email. The email Muhammad Naveed said, “congratulations and thanks for your offer. Please acknowledge the receipt of this email and please sign the disclosure form from the Seller. I will send you deposit instructions shortly. Thanks Again!”

This home stood out to me because it was right next to Riverside Drive where homes sell for more than 1.5 million dollars on average depending on the grade of finishes. The property I bought was underway to be finished identical to the $3,980,000 custom luxury home located just 8 mins away, at 6425 Riverside Drive East Windsor, Ontario N8S1C1 with MLS® Number: [protected].

Starting from the very beginning, I entered into the purchase and sale agreement on October 31st, 2021 with schedule A clauses in written correspondence conditions as listed below firm binding:

● 1. Seller warrants that all the chattels and fixtures included in this Agreement shall be in normal working order on the date of closing of this transaction.

● 2. Seller agrees to leave the property on the completion date in a clean and broom swept the condition having removed all personal property and debris from the property.

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● 3. The Seller represents and warrants that during the time the Seller has owned the property, the use of the property and the buildings and structures thereon has not been for the sale, distribution, cultivation, propagation or harvesting of any cannabis or cannabis plants or any illegal substances and that to the best of the Seller's knowledge and belief, the use of the property and the buildings and structures thereon has never been for the cultivation, propagation or harvesting of any cannabis plants or any other illegal substances or activities. This warranty shall survive and not merge on the completion of this transaction.

● 4. To satisfy Buyer that there are no outstanding work orders or deficiency notices affecting the property, and that its present use (RESIDENTIAL FAMILY HOME) may be lawfully continued and that the principal building may be insured against the risk of fire. Seller hereby consents to the municipality or other governmental agencies releasing to Buyer details of all outstanding work orders and deficiency notices affecting the property, and Seller agrees to execute and deliver such further authorizations in this regard as Buyer may reasonably require.

The following day an appraiser for the lender appraised the property and accompanied me to the showing scheduled for 11/1/21, 2:45 PM. I drove from Pickering to Windsor for the showing and went back on the same day.

I realized on my drive back that I would need more time to arrange the project for a luxurious remodel withdrawn from my investment accounts, so I proposed the amendment to extend the closing timeline. The dates from the scheduled Title search: November 2, 2021, & Closing date: November 5, 2021, to an amended; Title search: November 11, 2021, & Closing date: November 15, 2021. The document had been completed the same day 11/1/21 22:54:39 UTC.

At this time I was not disclosed of the material facts pertaining to the property, such as being under a heritage designation (1859 build of a Vernacular Cottage in the downtown Core) and not a Residential Family Home.

The contract was then, the same evening at 11/1/2021, 10:48 PM, satisfied with the deposit debited $5,020 via Domestic Wire Payment - Confirmation Reference Number: 3OB033052247550N.

My broker, Mr. Clare Fulton signed the registrant's disclosure of interest binding the transaction. He completed this on Monday, Nov 1, 2021, at 11:24 PM.

The appraiser was hesitant on her evaluation experience and did not want to waste time if the listing agent would not accompany her.

She wrote to me via text message, “ I also can only provide an as is value. Unless you can indicate what work is planned in order to determine a value as if complete.” We agreed thereafter she scheduled an appointment for 2pm on November 2, 2021. That was confirmed via text message, “the listing agent will be meeting me there. The fee is $350 plus hst for an as is value. Payment is required before inspection time.” She then asked me, “should the office send an invoice with e-transfer instructions to Mo. [protected]@Century21. ca?” In which the response was “yes”, for further instructions on how the lender will pay for the appraisal. However, I ended up being the one to make payment as I wanted the report to be made in as-if complete form with an evaluation of $2,500,000 CAD upon completion as I had already expedited the building and planning documents for the project in calculation of that market output. The custom home would have Italian marble, engineered hardwood and glass staircases etc. etc.

The payment was sent to E.S. Gorski Realty Ltd. for the amount of $455.00 (CAD) on Tue, Nov 2, 2021, at 3:39 PM for the lender’s required appraisal of the residential family home purchased with a turn around of $2,500,000 CAD. It was made by INTERAC e-Transfer and verified. This email was sent to me by Interac Corp., the owner of the INTERAC e-Transfer® service, on behalf of RBC Royal Bank.

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With a firm binding agreement on the purchase of a Residential Family Home, I was working with a specialist, Mani Reddy a Mortgage Agent for CYR Funding Inc. holding License# M17001119 and Brokerage License# 11681 for my financing needs.

In a real estate transaction a title search is conducted by the buyer's lawyer unless otherwise signed, so it is fair to mention that a Title Search was conducted on November 11, 2021 by The Law office of Snober Naz. In accordance with the Purchase and Sale Agreement Orea 100 and Amendment to Purchase and Sale Agreement Orea 120 signed on November 1st 2021.

Upon receiving my first signed commitment Sun, Nov 14, 2021, 2:13 PM I was working with the lender for a better rate. This commitment highlighted that a fire insurance policy for full replacement value is a requirement, failure to do such is/will be considered a default. During this point in time (11/1/21–11/14/21), I was shopping for insurance and was unable to secure such as per lenders' criteria.

On the first business day of the week, Monday, Nov 15, 2021, at 9:30 AM payment was sent to the lender’s appointed lawyer, for retainment. Retainment was made by INTERAC e-Transfer and verified. This email was sent to me by Interac Corp., the owner of the INTERAC e-Transfer® service, on behalf of RBC Royal Bank.

On Tuesday, November 16, 2021, at 1:57 PM, Cindy Berrafati from the sellers' law firm was contacting Snober Naz, Barrister & Solicitor at Law Office of Snober Naz informing the buying parties’, myself, that their client will not be agreeing to any amendment and/or the mutual release. That their client, “the sellers, are ready, willing and able to close and your client, the buyer is in breach”. Further, she wrote, “it appears we have no choice but to relist the property in order to mitigate damages and will be exploring all legal remedies available. Please advise if you will accept service on behalf of your client.”

With the receipt of this email at the lawyers' office, it can be concluded that the vendors, their lawyers and listing brokerage have all met their obligations outlined in the standard OREA 100 clauses and written schedule A clauses.

The vendor's lawyer sent this message due to the fact I was not able to at the time insure the property to meet the lender's criteria. I requested my council to pay for the additional time and to have the vendors’ lawyer provide a means of contact for adequate insurance. Cindy sent on November 17, 2021, 4:42 PM to Snober Naz contact information for Amanpreet Dhadda RIB (Ont.) Account Executive for Tangri-BMT Insurance Brokers means of contact by phone:[protected].

On Thursday, Nov 18, 2021, at 11:16 AM I got the email forwarded to me from Snober Naz and proceeded as such. With the home insurance binder, this was our first priority as funding could not be released until the fire/property insurance binder be issued and forwarded to the private lender. The lawyer also received the 12-post-dated cheques for the lender and was awaiting the binder for an insurance review.

Snober Naz, sent on Friday, November 19, 2021, at 2:49 PM to Cindy Berrafati, subject: RE: 293 Louis Ave, Windsor, ON, N9A1W1 - Chin loan to Farooqui File 2021-888. “Thank you. We are in pursuance of the fire insurance from our client as required by the lender before he releases the funds. As soon as we hear, we will get back to you.”

That same Friday, I was in contact, signing and successful full payment deposit with Amanpreet. I instructed her to contact both the mortgage agent, lenders lawyer and my lawyer for submission and verification of the authenticity of adequate underwritten policy.

A DocuSign was completed on Nov 19, 2021, at 2:58 PM with the payment e-transfer sent to Amanpreet Dhadda of BMTInsurance for the amount of $1,368.36 (CAD) accepted. Amanpreet Dhadda's message to the payment e-transfer was: “Thanks for the payment Dominique”, all done using the INTERAC e-Transfer® Service. At this time I would like to highlight that the mortgage broker, lender's lawyers, my lawyer and the

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vendors’ lawyers are all contacting and receiving the underwritten policy to verify and authenticate directly from Amanpreet.

To clarify, on Friday, Nov 19, 2021, at 3:36 PM the money transfer I sent to Amanpreet Dhadda of BMTInsurance for the amount of $1,368.36 (CAD) was accepted in contingency of the lender's criteria verification by the lawyers of full coverage. Payment was made by INTERAC e-Transfer and verified. This email was sent to me by Interac Corp., the owner of the INTERAC e-Transfer® service, on behalf of RBC Royal Bank. With a response return message from Amanpreet.

The three parties verified and proceeded to close the transaction firm and bound with all conditions met. Except for the condition of the listing brokerage paying the co-operating brokerage on the day of closing not later.

On, November 19, 2021: The Government of Canada announced adjustments to Canada’s border measures

That following weekend, on Sunday, Nov 21, 2021, at 7:39 PM a money transfer I sent to the Law Office of SNOBER NAZ for the amount of $340.54 (CAD) was accepted. Payment was made by INTERAC e-Transfer and verified. This email was sent to me by Interac Corp., the owner of the INTERAC e-Transfer® service, on behalf of RBC Royal Bank.

On November 26, 2021: The Government of Canada has introduced additional measures to address COVID-19 Omicron variant of concern.

November 27, 1998, being my date of birth, I had a small gathering with my family as I was preparing, scheduling and funding my Windsor Project. I had been reaching out to the city of Windsor’s planning and building department since Nov 10, 2021, 10:41 PM regarding the scope of land and permit approvals. I also contacted Enbridge Gas Inc. operating as Union Gas regarding a natural gas inquiry and later followed up with reference being #79045.

On November 28, Ontario reported 2 cases of the new SARS-CoV-2 Omicron variant, confirming the arrival of the variant into Canada.

After 10 days, I received the insurance agent's email on November 29, 2021, at 3:13 PM with the heading, FW: CS602459-Farooqui, Mohammad Abdul Raquib - New Policy. With no hard copy mailed, she wrote in the email, “attached a copy of your New Policy documents, for the above-noted risk.” In correlation to the lawyers' reviews, this copy was mine to keep after validation. However, my first name is spelt incorrectly, Mohammad instead of Mohammed. Secondly, the wording of “new policy documents” for a first-time home buyer should not be written in the same sentence with “noted risk” at the end.

What was deemed to have been satisfied by the lender was correlated to the buyer incorrectly with mistakes not only ending the grammar of the email but further in-depth to the policy. The policy that I received for the first time, contained errors that I will highlight in bullet point form that I became aware of during the claims process:

1. Incorrect spelling of first name: Mohammad instead of Mohammed

2. Payment of policy premium and Cansure fee totalling $1,267.00 instead of the

$1,368.36 sent.

3. The property address is mentioned as 293 Louis Dr. Mississauga Ontario L5B

1Z2 instead of the required 293 Louis Ave Windsor, ON N9A 1W1

4. $220,000 as of the limit of insurance for the building instead of the purchased

price of $265,000

5. The limit of insurance is $250,000 for Tenants' Legal Liability instead of the

requested $2,000,000

6. The limit of insurance for Medical Expense Limit $25,000 Included $5,000 per

person / $25,000 per occurrence instead of $2,000,0000 signed for.

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7. The limit of insurance is $1,000,000 for Non-Owned Automobile Policy - S.P. F. No. 6 instead of the $2,000,000 signed for.

8. Additional insurers of TOTAL PREMIUM $1,092 instead of the $1,368.36 sent.

a. Certain Underwriters at Lloyd's under contract B1306C500352100 as

arranged by Cansure sec:1 50% insured $396 premium.

b. Everest Insurance Company of Canada, as arranged by Cansure sec:1

50% insured $396 premium.

c. Certain Underwriters at Lloyd's under contract B0572NA21BE10 as arranged by Cansure sec:3 100% insured $300 premium

9. LOSS PAYEE / MORTGAGEE SCHEDULE contains an unmentioned address and two unknown payees;

a.b.

c.

Loc#:1 - 293 Louis Dr. Mississauga ON L5B 1Z2

Virinder Singh Dhalwal - 62 Sherwood Park Dr. Stoney Creek ON L8G 2C1

i. Subject to Standard Mortgage Clause

Preetinder Kaur Thind - 986 Barton St Stoney Creek ON L8E 5H3

i. Subject to Standard Mortgage Clause

10. An invalid signing on page 5/12 as in schedule 4.

11. Several coverages were deleted or amended without any consent or premium

decrease. Some were deleted in their entirety, with it not being thereby understood and agreed upon, pending lender lawyer and my lawyer review as instructed.

To conclude this document on purpose was not the new policy I just purchased and prepaid for. Rather an endorsement of the policies that my lender's lawyer and my lawyer reviewed, granting close. Endorsement being “previous declarations, limits of insurance and coverages are now canceled and replaced or amended as shown herein. Any coverage wordings, riders or endorsements attached hereto will replace the corresponding previous wordings. “

On Tuesday, November 30th, 2021 on my Facebook profile, I promoted a listing the team had listed in Windsor (MLS#:X5444384). Marking our second transaction that week in our Provincial Real Estate Development Plan. The home located at 2333 Louis Ave Windsor Ontario N8X4C5 was fully renovated with top dollars spent and it came with a hot water tank that was a rental. The property was listed with COVID protocols in place. The residential family home is located on the same street, a couple blocks down and wasn’t in as premium a location as the property purchased at 293 Louis Ave Windsor, ON N9A 1W1. However, the listed property (2333 Louis) is a Residential Family Home clearly listed on MLS as opposed to the purchased property (293 Louis) from a misappropriated listing.

The MLS®#: [protected], listing did not contain material facts or heritage information about the 1859 built Vernacular Cottage in the downtown Core nor did the title search highlight such information. The information was also not mentioned in the appraisal that was conducted on the property.

On Tuesday, November 30th, 2021 I posted on multiple hiring pages and my very own personal Facebook, a notification for assistance in modernization at our new market territory of Windsor Ontario. At the time unaware of the break-ins, trespassing, loitering and vandalism going on in my first home. I was also having professional contractors come by to inspect the property for the material and equipment needed to complete the project upgrades. They would enter for a brief moment to appraise, lock and leave. Since it was their first time entering the home they were not aware of the crimes that were taking place after they would leave or what the place looked like at the time of close. These companies are GTA-based and would go there specifically for me as we are known for multiple projects in the Durham Region.

These parties are one of the many charging me damages for the services and materials involved in the second stage of freehold development-pending permit approvals. In consideration of the project orders completed, delivered, stored and most of the off-site construction completed. They are in process of litigation against me for breaching the contractual agreements with my deposits on the line and interest penalties piling up.

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As a reminder, the Co-operating brokerage did not receive the commission at the time of close as written down, so I was already behind on obligations of payment. However, I managed to settle them down for more time with the agreement of payments expected as per my approval in the permit. That is also considered under Ontario Law a breach of contract.

On November 30, 2021: The Government of Canada has introduced additional measures to address the COVID-19 Omicron variant of concern. By November 30th, 2021 Ontario's death toll reached the 10,000 mark.

On December 2, one new case of the Omicron variant was reported in the Durham Region.

On December 06 2021, the property we, the team acquired for listing a couple blocks down at 2333 Louis Ave Windsor Ontario N8X4C5 was sold by another member of the team. The property was sold at a firm $505,000 CAD which was above the listing price. From Monday, 22 November 2021 to Monday, 6 December 2021, there are 14 days, and in those 14 days the team transacted three deals. An accomplishment we were celebrating at the brokerage. Marking our Provincial Real Estate Development Plan a success in the making. The fourth transaction was to list 293 Louis, a custom luxurious Residential Family Home upon regulatory approval.

On December 8th, 2021 at 10:33 am, I got a voicemail from David St. Louis who informed me that there was some sort of fire. He was returning my call from days prior to. The voicemail is quoted below as such;

“Good morning Mo, this is David St. Louis from the city Windsor building department returning your call regarding 293 Louis Ave. I do see that there has been a fire at that location. Give me a call I can advise you as to what would be required in order to require a building permit thank you...”

I immediately informed lawyer Snober Naz of the voicemail whom I was in continuous contact with regarding the delayed commission payment to the co-operating brokerage as they did not receive their commission on the date of closing thus marking a failed condition. She was instructed to follow up on both matters. The matter at this point in time is that I should have received contact from the police department and fire department, directly to me, the owner. I stressed to the lawyer, but with reassurance from the lawyer that it might have been a mistake as they were not responsive to the emails I sent for review.

On December 13, 2021, at 4:18 PM, I got an email from the co-operating brokerage that the cheque had been issued dated Dec 13, 2021, instead of the agreed and signed per the confirmation of co-operation and representation agreement outlining very clearly “at the time of closing”. The date of closing for clarification after all the delays mentioned above was not the day the insurance binder was issued to the lawyers for review being November 19, 2021. Rather as per LRO # 12 Transfer was Receipted as CE1046151 on November 22, 2021, at 12:16. “The applicant(s) thereby applied to the Land Registrar and deeded as an Interest/Estate Fee Simple.” Marking the completion date of November 22, 2021, just five days before my birthday.

On December 15, 2021: The Government of Canada has announced additional measures to address the COVID-19 Omicron variant of concern. Premier Doug Ford announced that the province will re-enter a version of its 3 step reopening plan effective Saturday, December 18, 2021, including the return of capacity limits in high-risk settings.

A few days later, December 17, 2021: The Minister of Health announced further adjustments to travel and border measures in response to the risks and uncertainties presented by the spread of the Omicron variant in Canada and globally. On December 17, Premier Doug Ford announced that the province will move into step 3.5 including the lowering of capacity limits in more non-essential businesses and the lowering the gathering sizes to 10 indoors and 25 outdoors.

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I never received a response via email or call from the City Departments later on until Dec 23, 2021, 2:09 PM, when Kareem Kurdi a zoning coordinator of the Planning Department responded with, ”Hello Mo, Apologies for the delayed response. The subject property is zoned RD2.2 which permits the following uses: (image attachment) The property is also listed on the Heritage Register so please contact our heritage planner Kristina Tang [protected]@citywindsor. ca for any other requirements for development.”

43 days later from my initial outreach date, (Nov 10, 2021, at 10:41 PM until Dec 23, 2021, 2:09 PM) I became aware of the heritage aspect that went unmentioned in the appraisal and title search closing. That material fact was also not mentioned on the MLS listing or disclosed by the listing brokerage party and vendors' lawyer.

Nonetheless, I responded back to Kareem and reached out to Kristina seeking permit approval before the start of the new year as I scheduled three months of property enhancement with appropriate time in the slot for delays in material/supplies with two months remaining on the insurance policy.

On December 23, Ontario broke its single-day record for new daily cases for two consecutive days with 5790 new cases, followed by 9571 new cases.

On the date of December 29, 2021, at 3:05:25 PM EST I just got off the phone with Keith Smith, the Builder Attachment Clerk for ENBRIDGE GAS INC. - OPERATING AS UNION GAS who informed me that, “the meter was removed on 04DEC21 due to safety concerns. An apparent break-in to the premise had occurred at some point and there was piping that had been removed that prompted the emergency call to the Police for access to the house and the Fire Department to ventilate the house.” This was the first time I became aware of the situation in its entirety.

In all my tears and heartbreak agony, I informed my clients of my early absence and went to Windsor to inspect what actually happened. I just couldn't believe it. On new years eve, I drove to Windsor and could not believe my eyes. I was in shambles on new years eve. I returned the next day in the morning to photograph and ask neighbors questions. I put my lawn sign up in the front to mark the correct point of contact. The neighbor informed me that she is part of the neighborhood watch community and will remember my contact info. I informed the insurance company on January 1st, 2022 of what had come. They further referred me to Anthony Edwards, C.I. P. of TC Insurance Adjusters Ltd. who also emailed me on Jan 1, 2022, 4:47 PM with regards to the visitation of the site.

With my bedding lost, I drove back to Pickering to strategize and mitigate losses during this crisis. I contracted a crisis management task force to further mitigate all losses. I immediately contacted the insurance company, Windsor Police Department and Windsor Fire Department as per standard protocol.

Kristina replied on Jan 5, 2022, 8:59 AM, that the property located at 293 Louis Ave was built in c1859 as a Vernacular Cottage in the downtown Core. Further, she confirmed in its entirety, the property at 293 Louis Avenue is listed on the Windsor Municipal Heritage Register. She concluded that email by asking, ” Is any of the work going to involve partial/complete demolition/removals? What is the work being planned at the property?” With further instructions being, “ we will need to see the drawings too when they come through as I expect the Building Department would also require sets of drawings based on the scope of work.”

To my astonishment I informed Katrina that was just returning to the office in the new year of the fire and various events. She responded to me with a direct quote being, “OK I was not catching up about the fire. Sorry to hear about it. I do now see part of the Building Department’s Order to Repair. I noticed that it was issued to someone else as it appears it was under previous ownership.” She asked me, “as the current owner, have you been able to follow through with the Order?” There are more details outlined in the aftermath of damages that she mentioned; “as per the Order, I would first

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like to see a copy of the stamped building report by the professional engineer if that has already been prepared. If not, Heritage Planning would recommend and encourage the Heritage Standards to be kept in mind in the proposal where possible and consider the heritage resources. The components of any proposed partial demolition/removal can be discussed from the heritage aspect after. Please let me know.”

On January 3, the Ontario Government announced that Ontario would be moving into modified Step 2 from 5 January for a period of at least 21 days (26 January) (this may be extended based on public health trends); closing indoor dining, gyms, movie theaters and schools.

While Anthony was helping me with the claim I was involuntarily disconnected from him and transferred over to Connor Higgins, Senior Claims Adjuster for Claims Services Int. The slogan of “the calm after the storm”, very well went counterintuitive. He called me on my cell to schedule a meeting. Unaware of the entire process, I was cooperative and was seeking help from Snober Naz. At this point in time, I received from Naz, the insurance binder that the insurance agent signed, the email was dated Jan 4, 2022, 7:42 PM. A meeting was finally set with Connor which mandated a waiver from his company be signed, the meeting took place after the email discussion for January 13, 2022, at 4 pm. On January 15th, 2022 the trucker vaccine mandate came into force that required all travelers to be fully vaccinated before crossing the Canada-U.S. border, The Ambassador Bridge, linking Detroit and Windsor.

During the first few seconds of the meeting that I was setting up the zoom for Snober Naz’s attendance, I felt very awkward in my full office and Connor was coming off as very unwelcoming. I answered all his questions with little to no hesitation nonetheless in hopes for a fair judgment. He emailed us all after the meeting, as a reminder that the documents are required for police and fire records being ordered. Along with consent to an investigation from Connor, a claims adjuster, “on a ‘Without Prejudice’ basis (Non-Waiver Agreement).”

Working through numerous mental health breakdowns I added on to my pre-established contract with the marketing company involved in helping me promote all my real estate projects since 2017 for crisis management. I was and still am completely unhinged after suffering losses totalling more than twenty-five million Canadian dollars.

On Wednesday, January 12th, 2022, at 3:53 PM I received a very disturbing email from Amanpreet. She wrote “due to the fire loss on Dec. 6, 2021, we will lapse the above policy at the expiry date, Feb 19, 2022. So there is no coverage after Feb 19, 2022. In the email subject line, she once again misrepresented me by misspelling my name, Mohammad instead of Mohammed. She also didn't inform Jonas of the information as she was instructed to professionally. Possibly in denial of her negligence as a result of her conduct to a customer/client.

Connor provided me little to no reassurance with helping me as a first-time homebuyer with such substantial loss that I was/am undergoing and struggling to meditate. On January 20th, 2022, he emailed me that he had a conversation with CanSure last night on my file. He also confirmed that they continue to review everything with the subscribing insurers. However, he needed something further from me. As was never discussed with me, he told me that I must prove compliance with the warranty conditions listed in my policy. One of these conditions is that I must have a working smoke detector on every level of your home. Thankfully I did, from my property management. He instructed me, “please arrange for yourself or someone to enter the home and photograph smoke detectors on each level of the home. Once completed, you can send the photographs to me. This is a requirement of your policy.”

Later on that same day of January 20th, 2022, Connor sent me photographs taken January 2nd, 2022 by Anthony Edwards (TC Insurance Adjusters Ltd). He also commanded that “I need to verify that I’ve met the warranty conditions as put forth in my insurance policy. A coverage decision cannot be rendered until my obligations have been met.” To my first time hearing warranty conditions, in regards to obligations, I was

8

shocked to hear that especially in the tone Connor Higgins was contacting me on my phone with unknown numbers.

My mitigation team got in contact with Bell Business Services on January 20th, 2022 about the property and they informed me with REF# 3-F6IBHSB that for the Products to workyouneed aninternetconnectionandsomeformofelectricityforthecontrolpanel and the camera system. Thus, due to the extent of the damage of the property for security reasons no reinstallation/installation would be possible. This was via Email received on Jan 20, 2022, 5:28 PM in the conveyance of further quotation.

I was worried about the safety of the structure associated with the Fire Damage inspected upfront on New Year's Day and New Year's Eve. I deemed the property after the fire as unsafe and hazardous considering the lack of structure remaining.

During all my due diligence I got the required information confirmed and sent it to Connor who had constantly neglected my emotions and devalued my hard-earned money being spent mitigating the losses. I was in no position to further undergo expenditure. I had deposits secured, work scheduled and plans drafted. With the uprising of costs associated with this claim mitigation nonetheless, I sought out crisis management, a task force of professionals for assistance in crisis management.

I received a message regarding the Cloud Permit application for 293 LOUIS AVE in Windsor. Dave St. Louis wrote on 01/26/22 at 14:24: “1. As per Violation VY [protected] an Engineer's Report is required to identify the extent of Fire Damage to dwelling. The report must include a process to repair including drawing details. 2. Qualified drawings from a BCIN Designer, Architect or Engineer are required for submission. 3. The dwelling is circa 1859, and requires consultation with Kristina Tang, Heritage Planner regarding any renovations. 4. The property size will permit a Single family Dwelling only. Any other proposal will require a Variance from the Planning Department. 5. The application has been sent to DRAFT as you are not in a position to apply for a Permit until the items above have been resolved.”

After sharing all the information with Connor very clearly, he also requested assistance in the matter. He appointed Eric Jones, H.B. Comm., Area Practice Manager of J.S. Held ULC in performing a damage assessment on the property. Connor mentions in the email, “ insurer has retained Mr. Eric Jones from JS Held quantifiers. He is a fire damage appraiser who will be attending the property to create a detailed replacement cost estimate for fire damage as a result of this loss.” This email was received on Jan 28, 2022, at 8:54 AM, caused me a sense of hope in the matter as it concluded with the following line, “This fire damage appraisal is being done a ‘Without Prejudice’ basis so all parties with interest in the property (mortgagees, yourself and the insuring market) can know the exact amount of damage sustained. I will keep you apprised.”

Eric contacted me later on via email received on Jan 28, 2022, at 12:04 PM, I responded with PDF documents containing a reasonable amount of information highlighting my situation till date. Protecting my clients, contractors and liabilities by maintaining their privacy in the matter. Eric was also the first and only one that highlighted the online mass publications.

The material fact and stigma propagandized by CTV Windsor journalist Melanie Borrelli, and the Windsor Star journalists Dan Janisse & Taylor Campbell. The tarnishment further continued on to Twitter by user @WindsorFire1 with tweets about my investment being on fire. This completely unraveled me in tears and I could not continue work. As much as I had been trying so hard to keep it together, I was falling apart.

The demonstrators of the convoy set up the blockade on multiple streets in Windsor, such as Huron Church Road on Monday, Feb. 7, 2022, as they were protesting COVID-19 mandates.

On February 11th, 2022, the premier of Ontario responded to the Convoy madness happening across the province, especially in Windsor and Ottawa, Doug Ford declared a state of emergency.

9

According to The Canadian Press journalist, Nathan Denette reported, “police walk the line to remove all truckers and supporters after a court injunction gave police the power to enforce the law after protesters blocked the access leading from the Ambassador Bridge, linking Detroit and Windsor, as truckers and their supporters continue to protest against COVID-19 vaccine mandates and restrictions, in Windsor, Ont., Sunday, Feb. 13, 2022. On February 14, 2022, the Government of Canada declared a public order emergency. These illegal blockades were doing great damage to our economy, to our democratic institutions, and to Canada’s international standing. Since the blockades began at the Ambassador Bridge, over $390 million in trade each day with Canada’s most important trading partner, the United States, had been affected. This bridge supports 30 percent of all trade by road between Canada and the United States.

On Feb 14, 2022, 9:15 AM, Connor responded to me with no reassurance, sympathy or humble transgression in the matter as were to have come from a senior claims adjuster. He mentioned that the underwriters/insurers continue to review my policy ‘Warranty’ requirements and the information I had provided thus far. He continuously kept on aggravating me by saying, “I cannot believe the place looked like this”, so and so forth.

Upset with this not so diligent process in claims handling by Connor, I was instructed to begin outreach for help, with a crisis management plan activated for me to continue my professional conduct and maintain client satisfaction in my business. My mental health was tarnished from all of this and I was trying my very best to mitigate losses. I further lost all my deposits to contractors and failed to maintain my further liabilities from all of this. I highlighted all of this to Connor who was of no good ear to my claim. I kept asking Connor to provide me reports from Eric, Windsor PD, and Windsor FD as the matters of the convoy were heating up. My mitigation to Connor's calm handling of my claim was to once more personally reach out to all parties and follow up on my losses.

Feb 22, 2022, at 12:07 PM I finally got an email from Connor, that stated I did not meet vacancy permit and warranty conditions. He also mentioned that failure to do so shall render the policy null and void and result in a denial of coverage, however, the policy was never in place as to what I purchased and for what is covered. The points he highlighted are:

● Conditions:

○ 1. Vacant, unoccupied or shutdown property shall be checked, inside the

building and around the perimeter of the Premises, by a responsible adult

person at least every 72 hours during the term of the vacancy permit.

○ 2. The doors and windows of the buildings(s) shall be securely closed and

locked at all times

○ 3. Rubbish or debris, if any, must be removed from the inside of the

building(s) and Premises.

○ 4. Plumbing, heating and related fixtures must be drained and adequately

protected from freezing during inclement weather conditions or have maintained heat in the building and have made arrangements to assure heat is continued of sufficient degree to protect plumbing, heating or related fixtures from freezing.

With the utmost disregard to the facts, I presented him, highlighting the neighbors' verbal confirmation of being neighborhood watch, the property under renovation and the property being bought conditioned to broom swept clean free of debris. The disregard and disrespect Connor had towards Snober Naz and I was uncalled for. I mentioned to him the professional conduct we carry in all of our real estate projects, along with satisfied clients on both the buying and selling sides. With all due respect to his business, he may have forgotten what it means to be humane even in judgment.

Following the provincial State of Emergency, the federal government invoked the Emergencies Act for the first time ever in response to protests and blockades. Prime Minister Justin Trudeau said on February 21, 2022, that he's invoking the Emergencies Act for the first time in Canada's history to give the federal government temporary powers to handle ongoing blockades and protests against pandemic restrictions. The

10

legislation, which replaced the contentious War Measures Act in 1988, allowed Trudeau’s government to declare the areas above and around the city of prohibited assembly. During this time the crisis management team contacted me once again, to update me on their communication with both the Windsor PD and Windsor FD.

On Feb 25, 2022, at 12:47 PM, my task force advised that I should reach out to Brandon M. Sobel, B.A., CIP Vice President of Sobel Adjusting Solutions who is part of Canada’s leading public adjusters. The firm and I got in touch and they advised me to pursue legal action.

Finally, on March 1st, 2022, I received the completed Fire Department report and immediately forwarded it to parties of interest. Later that same day, the Police Department requested a follow-up be required for the Police Report. After further in-depth communication with the Police Department, they approved two police reports and assigned two permanent case numbers.

On Tuesday, March 1st, 2022 at 5:49 PM I received an email confirming an online report that had been approved and the permanent case number – [protected]. They followed up with a second email that same Tuesday, March 1, 2022, at 7:27 PM with another online report that had been approved and the permanent case number – [protected].

On Wednesday morning, Mar 2, 2022, at 9:41 AM Connor sent me an email thanking me for the Reports as CSI had not yet received them after payment from their office to only the fire dept. He finally showed some sort of decent writing, “ it is appreciated, please see attached the JS Held scope. Your file is now being submitted for closure.” After he denied my claim he proceeded to disclose his accomplices' report on my losses which was poorly documented. He continued in the following email, writing, “no further contact is required after this email as your file has been submitted for closure after issuance of the letter explaining your insurers coverage position. Snober can provide insight on your options moving forward, made within the claims limitation period. I wish you the best in the future. Take care.” Connor sent me Eric’s report after I was denied the claim, and denied further continuation of coverage.

After reviewing all the documents with the crisis management task force, I reached out to Marilyn Robinet, a Privacy Coordinator for the Windsor Police Service, who further highlighted that Connor never made a request in writing to the police department and that there was a payment requirement. She attached a copy of the forms which I forwarded to CSI.

With the receipt of the negligence in claim communication by Amanpreet, Connor, Eric and Anthony I complained to Lloyds via email sent on Sat, Mar 5, 2022, 4:32 PM. I received a response back with the following on Mar 7, 2022, 2:27 PM, “ Hello, Kindly refer your request to the broker who issued the policy as they are responsible to assist. As per the attachment, it seems to be Cansure and you can reach out to them at [protected]@cansure.com. Thanks and kind regards, TELUS - service provider to Lloyd's Canada Inc.” Seamless to the next email I received from Telus.

That same day, Mon, Mar 7, 2022, at 2:34 PM, I got another email from Connor in which he once again belittled my claim in writing, “I believe there may be some confusion on why exactly your claim was denied by the insuring market. I note that you’ve made comments about the denial being related to the property’s location in Windsor and the property having a potential heritage designation/registration; neither of these factors played any role in your claim being denied. Please see attached a letter which should provide additional clarity on the reasoning for the claim denial.” With no sense of remorse, he was the calmest in handling my claim, as he calmly adjusted my claim to nullification.

Jonas Rubinoff, Lawyer contacted me on Mar 7, 2022, 1:25 PM, which contained a signed document that is quoted below. In the email sent to both Ms. Naz and myself, he disrespectfully addressed Mrs. Snober Naz as Mr. Snober Naz. Following his email, I

11

contacted Cheryl L. De Jesus the Vice President, Sales PC Group in regards to obtaining insurance services.

“I am the solicitor... as you are aware, the fire insurance has lapsed and there is no fire insurance policy binding on the property. Accordingly, your client is therefore in default of the mortgage. Pursuant to the mortgage commitment and mortgage schedule, “a fee of $2,500.00 will be charged for each occurrence where the Chargor/Mortgagor fails to maintain a fire insurance policy for the full replacement value of the property. Failure to maintain a fire insurance policy for full replacement value is considered a default under the terms of the Mortgage”. I also note paragraph 16 of the Standard Charge Terms (200033), “Obligation to Insure”, which sets out obligations of your client to maintain fire insurance. Unless a valid fire insurance policy, for full replacement value, is reinstated on the property noting our client’s interest as first loss payee thereon, with proof of same provided to my office, and the sum of $2,608.70 is paid by certified cheque or money order payable to Rubinoff Law, in Trust, by Friday, March 11, 2022, by 5:00 pm, legal proceedings will be commenced against your client without further notice and my client will place a policy of fire insurance on the property to protect his interest without further notice and at your client’s expense including all fees, costs, and expenses. Please have your client govern himself accordingly.”

Upon further justification, on Fri, Mar 11, 2022, at 12:20 PM I received an email from Davoud J. Honarmand (David) a TELUS Business Solutions Loyalty, Sales & Support member. I have been a Telus Client since, Mon, Jan 24, 2021, 11:04 PM. He clearly states in the email to maintain client privileges, “our techs will ensure a seamless install. To ensure the process goes smoothly, please ensure you have power sources where you want the cameras. Please note our installation team cannot install cameras above 15 ft. Our back office will reach out regarding your installation date.” This is in regards to a pre-ordered package, to schedule another date for the installation of my order of the “Secure Protect package”, as my property is deemed unsafe to facilitate power from local providers in consideration of the damages done by trespass, theft and fire.

Unfortunately, while I am working with the crisis management task force contracted, to protect my mental health. I was also beaten in my liquid investment stock portfolios due to the negligence I was dealing with. I could not conduct my trades as per usual to provide for my daily expenses, I was struggling to cope.

I have been receiving Margin Calls for my account in the 6-figure+ range trading yearly in the 7-figure + range held by QuesTrade. I trade daily in open markets. My mental health was affected by the chaos of the malpractice, causing a first-time and all-time low in my portfolio. I am undergoing a loss in my portfolio that I am not disclosing in this claim of loss as loss of income. I actually stopped trading due to this whole situation to mitigate losses as was recommended by the contracted Crisis Management Task Force.

The emails for Margin Calls started on February 8th, 2022, till present March 15th, 2022. The margin calls are a very clear indicator of my mental health downfall that started from Connor being very passive-aggressive towards me on the phone and very systematic via email resulting in my loss of income and life savings.

During trading hours, I conduct myself very peacefully and have risk management algorithms that help me in my calculations. However, my mental health was bantered and that resulted in miscalculations and Everest declines in my trading portfolios. To note, I conduct my own trades and have never lost money in my portfolios due to the diligent process of my calculations. I have also always calculated in case of margin call, to calculate a safety net to deposit per trade via pre-authorized debit. An equal and opposite reaction. Nonetheless, the negativity I was receiving can be classified as inhumane.

To this date, I have not received any police report form completed from Connor with proof of payment so I could have the task force follow up. One that he initially outlined as being the sole reason for the waiver, he demanded unrecorded. The police report

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and fire report investigating the fire as highlighted in the Windsor Star was never delivered to me from Connor.

To accompany my humility and disgrace, this claim process was very stagnant. I was contacting Amanpreet for a letter of experience from my insurers. I’ve never by the grace of God, filed a claim for any insurance reasons, even for optician reimbursements. I have always been self-sufficient in providing for myself and my family. I would like to further highlight the criteria of qualified individuals that I work with.

Jonas Rubinoff a lawyer at Rubinoff Law is a Real Estate Lawyer based out of Markham who not only has a Law degree but other well mentionable qualifications. Such as his educational experience from Seneca College for Financial Services Underwriting, Business graduate with honors in [protected]. This information is readily accessible through his linked in profile online.

Snober Naz a Barrister & Solicitor has achieved many accreditations and professional accolades in the law field throughout her 20+ years of experience. She gives back to the community by lecturing thousands of young professionals at Centennial College in the fields of legal studies. A diversified experience of more than 20+ years in various institutions “including Government and NGO, as Legal Advisor, Lawyer, Facilitator, Instructor and Professor”. As mentioned in her readily accessible LinkedIn profile, has “superior organizational skills, effectively manages multiple tasks and meets directional targets under pressured environment”. She was also recently Honored with Award of Distinction from the Chicago Title Insurance Company Of Canada as they proudly presented the Sober Naz Law Office in recognition of her commitment to protecting her clients with Chicago Title Insurance.

Mani Reddy is Mortgage Broker at CYR Funding Inc. and Realtor with International Realty Firm. She was previously employed by TD for over 20+ years and has over 20 years of experience with TDCT in helping and assisting clients with all their mortgage financing needs from refinances to purchases. This information is readily available online on her LinkedIn Profile.

With a highly professional team, we conducted business with Cindy Berrafati and Inayat Vellani from Vellani Law Firm. They represented the transaction on behalf of the vendors known as Hamilton Express Builders Inc. for the purchase and sale of 293 Louis Ave Windsor. The listing brokerage agent was Muhammad Naveed from LC Platinum Realty Inc. Brokerage. For further clarification, the vendors’ lawyer provided a means of contact for adequate insurance. Cindy sent on November 17, 2021, 4:42 PM to Snober Naz contact information for Amanpreet Dhadda RIB (Ont.) Account Executive for Tangri-BMT Insurance Brokers means of contact by phone:[protected].

The broker insured me with Cansure, which I have come to realize is a Vancouver-based firm. Nonetheless, they market themselves on Google, ‘Cansure leads the way for commercial, personal, & specialty insurance solutions all across Canada, keeping the goals of our brokers in mind.” Upon my reading, I came across at the bottom of the page a slogan of “Insurance thoughtfully underwritten”. They further claim on their website, “claims are handled by our in-house examiners, and our insurers and reinsurer partners represent leading domestic and global brands.” Cansure on their website further highlight coverage for off-road vehicles, underneath which is mentioned of the “underwriting expertise and facilities that write even the toughest risks, or to solve for that small wrinkle in what might otherwise be a very standard placement, contributes to the trusted brand experience that our partners have come to expect.”

From that contact spawned Anthony Edwards, C.I. P. from TC Insurance Adjusters Ltd. and Connor Higgins, a Senior Claims Adjuster from CSI (Claims Services Int.). To further elaborate he refers to his employer as CSI with the motto of The Calm After The Storm ® which is also coherently trademarked.

Apart from the chain of events, I outlined all aspects to the best of my ability. I seek refuge from God in protecting my life, from possibly dying days after my birthday in

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hopes of achieving my scheduled and contracted 55 million-dollar year in 2022.

Now I cannot possibly claim the loss of that amassed amount from the past 6 months of hard work. Rather I am proposing that we settle this matter to avoid further tarnishment to my career. With damages to date, I have been invoiced, spreading me more than 25 million Canadian dollars in deficit handling the matters that originated. I am happy to correspond with you in legal matters of settlement through my lawyers. I am looking to move on from this and praise the almighty for keeping me alive and well. I bought my first property on the title in Canada in 2021, coming from across the globe, my birthplace of Riyadh Saudi Arabia. I seek your assistance in this matter of negligence, malpractice and misrepresentation.

dead.

In all my life I have never lost so much time, money and energy that I could have spent with my family or travel. I lost a lot of money from this, but it isn’t about money for me, rather the relationship I have with my community, the relationship I have with my family and the relationship I have with God, my true savior. It would be of your review to help me with the injustice and hardships I faced from losing my insured investment that was facilitated by licensed professionals. I first came to Canada in 2012, after completing the majority of my education in America. I came to this beautiful country to expand my father's business and establish it in the prosperous Canadian markets. I humbly thank you for taking the time to read this letter.

Please find attached to this letter notarized documents highlighting the matters in legality.

In the above-misappropriated policy administered by LLOYDS, BMT, CANSURE and EVEREST, you provided a marketed guarantee. Alongside accomplices from the vendors, their law firm and listing brokerage.

Due to the fact that your agents ignore communications, be it email, text or phone calls; the advice from my crisis management task force would be for me to begin credit proceedings beginning with a registered legal final notice, and culminating in a court action. In the likely case that a judgment would be awarded, the firms will be responsible for Interest + Credit Notice fees + Court fees + Legal fees + Losses.

The other option would be to sell the debt to a Collections Agency and have them recover the debt from you Publicly. If you fail to comply with this request it will be at your own cost.

If you try and hide from this claim, we will have the courts order an expedited hearing which is by way of a court order at your own costs of $1800.00+. If you fail to appear for that hearing a bench warrant for failure to appear will be issued against your firm. This email does require a reply from you and is to serve as notice of our actions.

Consider this an Overdue Debt Notice for Losses, and a kind 25 Million CAD settlement order with a legal review of losses notarized.

Regards,

Mohammed Abdul Raquib Farooqui Mar 15, 2022

Mohammed Abdul Raquib Farooqui 1761 Magenta Road

Pickering, Ontario L1X0E1 [protected] Mo. [protected]@Century21. ca

To cleanse the impurities that came on to me, after achieving much profound success

across North America, I plan to complete Umrah. The ʿUmrah is an Islamic pilgrimage

to Mecca that can be undertaken at any time of the year, in contrast to the Ḥajj, which

has specific dates according to the Islamic lunar calendar. As if it were not for the

breach in contract from the vendors’ brokerage, I would have been in the fire, possibly

Appendix:

1. Notarized Letters

we purchased an annuity in Puerto Vallarta in 2001we have all current docs

can we hear back @ [protected] 9r to email ;[protected]@verizon.net

One day I woke up without a bank account, right before I was about travel abroad on vacation - they have closed my account for no good reason. In the limited time I have I went to the bank to find out what lead to it and restore the account I really need. When I tried to find out more at their office a very rude clerk refused to help me or give me information.

I keep getting a email saying there is a check in my name for 7.5 million and Akeem Woods said I signed power of attorney for him to receive the check! I have not sign nothing and have no clue who Akeem Woods is! Please stop this crap! I have all emails regarding this! These are other people involved Meredith Alley, Ms Joy Oti, Jaqi Clements, Ms. Nicola Haigh! This has been going on since May and needs to stop

i have been trying to phone you for two days now and left you message for someone to phone my account has money come out by business i do not know also had non gbp charges taken out this has been happening since january 2021 i have try to cancel but can, t find how to my name is mrs cook a customer and unhappy i can, t get touch with you i would like some one to phone me and sort my compliant out

My account ening in 0179 is closed I've added another to my account but it will not let me transfer my funds till 0179 has been removed my user name keldan123 fornmoon bingo can you please remove the account pending in 0179 please

I changed my name 5 years back by deed poll and i had given deed poll to lloyds bank 5 years back .and after that they had put my new name in my lloyds account.till january 2019 all statement and correspondent was reciving in my new name.now suddenly they send me 1feb 2019 statement in my old name. When i rang customer service in7 feb they said we will looking into your complain and ring you within 5 working days .i told them i want samemonth statement withmy correct name becuase this bsnk statement is very importsnt for my wife settlement in uk.they said they can not issue same statement with anynsme change.they promise me to ring within 5 days.it has been 9 days gone no call or letter recieved. So i wanteither Samemonth bank statement with my correct name or i want £800 compensation.they have given me this compain reference number [protected]

I made payments into these accounts for a travel ticket to Lagos which I never get and my 992.00 pounds gone. What is infuriating is that Lloyd's bank knew about these bogus scam companies before, have been informed by police before and they still allowed them to function. If Lloyd's have taken the actions that they were suppose to take when informed by police these scam companies would not have been able to get other victims.
On 17/7/14 I made a payment of 558.00 into
Ajarwal travels
Acc no [protected]
Sort code 309777 and they took my money and nothing was done to the
On 14/5/14 I made a payment of 50 pounds to
Diamond travels
Acc number [protected]
Sort code 77 19 01 and my money home too.
The question is why is so easy to open a company bogus account in Lloyd's. I am not the only victim of these scam companies and Lloyd's bank is still allowing them to trade with the account even after it has been brought to their attention that the companies are scam.