"HOUSTON V. HOUSTON ET AL." CONTINUED
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Since the source of the Canada Revenue Agency instigated theft from my Canadian Imperial Bank
of Commerce bank account (like all of the other financial turmoil I've experienced since the year
2000) was Vancouver, BC, the matter was immediately reported to the Vancouver police. In
addition I filed a September 11, 2008 complaint with the Office of the Privacy Commissioner of
Canada. A copy of the complaint, as well as all of the other privacy and police complaints I've
lodged against CRA, was sent to the Office of the Prime Minister of Canada.
Canada Revenue Agency's pattern of trying to shut me up by striking at me with bank thefts and
other illegal misconduct was becoming quite apparent. When I opposed CRA's attempts to
unlawfully confiscate a registered retirement savings plan account I held at TD Waterhouse in 2006
CRA quickly issued a $50,000.00 tax bill and put a false lien on my home in response to my
protestations (more about a bizarre CRA revelation regarding that debt later in this account of CRA's
unlawful malfeasance). CRA also fought back when I reported its misconduct to the Privacy
Commissioner, it would start hitting with some kind of a retaliatory strike. Canada Revenue
Agency's illegal seizure of my CIBC bank account occurred mere days after I lodged a privacy
complaint against CRA. I filed the privacy complaint on June 13, 2008 and thirteen days after that,
on June 26, 2008, CRA commenced more bank robbery attacks. CRA's unlawful seizure of my
CIBC bank account had the appearance of direct payback for reporting CRA's misconduct to the
Office of the Privacy Commissioner of Canada.
Eventually Canadian Imperial Bank of Commerce started talking about the unauthorized withdrawal
from my account. I received a creepy August 12, 2008 letter from the local Powell River, BC
CIBC branch manager in response to my demand that CIBC close my compromised bank account
immediately and remit a refund of the cash CIBC stole from the account. The CIBC branch
manager was completely uncooperative. He wouldn't agree to close the account or remit a refund.
He wrote that since he's unable to locate a contact telephone number for me he's not obligated to
address any of the issues I raised, including the theft from my bank account. He said it's in CIBC's
"best interests" that any communications regarding the theft from my bank account be conducted
verbally, either in person or by phone. In CIBC's best interests? It's clear my interests don't mean
a thing to CIBC. This guy wants me to call him and set up an in-office appointment to discuss a
mere eighteen bucks? The real reason the CIBC branch manager wouldn't comment on the matter
is because he knows anything he remits in writing will be used against him in complaints to the
police. That's why he says it's in CIBC's best interests not to put anything in writing. The cryptic
and evasive letter was a very disturbing document for a CIBC customer to read.
In response to the grievance I filed with CIBC Customer Care, CIBC's customer complaints
department in Toronto, Ontario, I was sent a confused August 26, 2008 letter from the Powell
River, BC CIBC branch manager in which he agreed to remit a refund and close the account. A
money order was attached to his letter despite the fact I'd requested cash (I no longer have a bank
account in which to deposit a money order). At the same time the branch manager still claimed the
withdrawal from my personal bank account was ordered by the federal government. He was lying.
CIBC was not ordered by the Canadian government to take $18.82 - or any other amount - from
my personal bank account.
Further to the theft from my CIBC bank account I was sent a September 3, 2008 letter from a
CIBC Customer Care employee who described herself as "Senior Manager, Executive Client
Relations." The letter was basically a duplicate of the letter I received from the branch manager and
attached to it were copies of the branch manager's letters to me.
So did the refund mean that CIBC now realized that a Requirement to Pay form doesn't give the
bank authority to tamper with a client's account? Had CIBC reversed its position? Did it now
understand that it did not have legal authority to seize my accounts and remove cash from the
accounts? Had the misunderstanding been settled once and for all? It seemed to have been
resolved.
But unfortunately no, this wasn't the conclusion of my theft problem at CIBC. Far from it. I was
(and still am) in an incredibly vulnerable position with my finances. Since the provincial and federal
governments have suspended due process and have declared that court judgments aren't necessary
to confiscate privately-owned capital I'm a sitting duck as far as bank deposits are concerned. As
CIBC, and Royal Bank before them, have shown, even garnisheed funds already cleared by CRA
are unsafe and can be stolen by the banks with impunity. It's the bank employees privilege to
access the client's account, I've been shown.
In addition to the CIBC bank account, in 2007 I deposited $58,000.00 lump sum of retirement
savings at the Powell River, BC CIBC branch in a GIC term deposit. This was my retirement
account money I'd fought TD Waterhouse for and had managed to wrestle from their clutches. In
hindsight it was a major mistake depositing any money in Powell River, BC (an error that will not be
repeated) but at the time I didn't realize the financial crime problem was this bad here. Remitting an
eighteen dollar refund of cash that shouldn't have been taken in the first place isn't difficult for any
sensible person to undertake and it didn't take CIBC long to come to its senses and hand over my
missing eighteen dollars. Remitting a sixty-one thousand dollar refund is another matter altogether.
Who parts with sixty-one thousand bucks if they don't have to? No one. Certainly not a crooked
bank.
According to the terms of the GIC term deposit agreement CIBC endorsed, unless I instructed
CIBC otherwise, after one year and one day the investment would be renewed for another fourteen
months and a renewal confirmation would be mailed to my address. A renewal confirmation should
have been sent to me on the date of July 14, 2008, but I didn't receive one. When I hadn't received
the renewal confirmation by September 2008 I became concerned that CIBC and CRA had stolen
my investment the same way CIBC and CRA stole all the funds from my personal bank account on
June 26, 2008, and the same way Royal Bank and CRA stole all the funds from my personal
chequing account last Christmas. I wrote September 5, 2008 letters to the CIBC branch manager
and to the CIBC employee who sold me the GIC term deposit investment requesting immediate
disclosure regarding the investment. No answer was remitted from CIBC, only complete silence.
On September 20, 2008 I called and left voice mail messages, again requesting information about
the term deposit.
Then the CRA harassment problem escalated with a hit on my mother. I found out my mother had
been targeted by the federal government as well. My mother! While I was waiting to hear back
from CIBC about my sixty-one thousand dollar savings account a Canada Revenue Agency weirdo
contacted my elderly mom at her West Vancouver, BC retirement home complex to talk about my
income tax return with her. Canada Revenue Agency's stalking has escalated to harassment of not
only me but also of my elderly mother. Yeah my mother. CRA resorted to the degrading tactic of
using my mother to get at me. Not only is CRA abusing me with unlawful thefts from my personal
bank accounts, but CRA has been caught harassing my retired mom at the West Vancouver, BC old
age home where she resides. And my mother was contacted by a Canada Revenue Agency
employee through the use of false pretenses. The reason Canada Revenue Agency gave my mom
for bullying her at her home is absolutely repulsive.
It's not the first time CRA has pestered my mother at her retirement home in West Vancouver, BC.
CRA has bothered her in the past for private information about me. This time, however, CRA
crossed the line into hardcore criminal behavior. And in light of CRA's recent hostility - the illegal
thefts from my personal bank accounts in particular - the nature of CRA's most recent contact with
my mother was extremely alarming, especially considering the false excuse CRA gave for contacting
her. Yes, CRA gave a false excuse for contacting my mom. CRA blatantly lied to her about the
reason they gave for calling her on the telephone. The CRA employee used false pretenses to get
my mother to talk to her.
On Tuesday, September 9, 2008 I opened an e-mail from my mom telling me she'd been contacted
by someone who told her to pass a message on to her son. The message was this: Tell him to call
his accountant fast because his accountant has important information for him. I was immediately
suspicious. Why was I suspicious? Because I don't have an accountant, that's why. It sounded to
me like a scam. It sounded like my mom was being targeted in a telemarketing scheme. As it turns
out, she was.
I called my mom the next day and she explained that she received a call from someone called
"Yvonne" who claimed to be a Canada Revenue Agency employee. The Canada Revenue Agency
employee said the reason she was calling my mom was because she had good news to tell me about
my tax problem but she couldn't get the news through to me because she didn't have my mailing
address. Doesn't have my mailing address? An incredible lie. Canada Revenue Agency does have
my mailing address (a private address I've never revealed to CRA) and CRA has harassed me at the
private address with a number of their Requirement to Pay forms. Sounds like my mom's being hit
up in a scam doesn't it? Why would a Canada Revenue Agency collections agent call my mother
and lie to her about not having a mailing address for her son?
Of course the real reason CRA contacted my elderly mother at her retirement home residence in
West Vancouver, BC was to pump her for a cash payment. It was a cold call. It was a collections
call. It had nothing to do with getting an address CRA already has. Getting an address? What a
joke! CRA wanted money from my mother. They wanted cash. Cold hard cash. The call from
CRA to my mom was a cold call. It was a collections cold call on my mother. Why else would
they phone her and make up some fake story about not having an address to reach me at? They
wanted quick, easy cash and they wanted to use her to harass me. They're sick. Like a boiler room
telemarketing fraud operation, CRA was pressuring my mom to volunteer to reach into her purse
and pull out her chequebook and write a cheque to the government to help her son with his debt
problem. Apparently "Yvonne" was quite a charming silver-tongued sweet-talking CRA employee,
because she conned my sixty-nine-year-old mom into believing Canada Revenue Agency wants to
work out some kind of a deal regarding my debt, a sweet deal that would be beneficial to me. What
a load of insulting B.S.
Is this CRA employee Yvonne insane? Is this CRA employee nuts? All my bank accounts have
been ripped off by CRA. And CRA's next move is to phone up my mom and make up some phony
excuse for why they're calling her? Coming back for more from us after my bank accounts have
been emptied? Shaking my mother down for money she doesn't owe the government? Although
my mother wouldn't admit it, I could tell from the tone of her voice she was scared shitless, she was
terribly threatened by the call from the CRA agent, she was frightened out of her wits. My mom is
a grandmother for crying out loud. My elderly mother needs that in her life? No way. My mom's
a soft touch when it comes to her children and I'm very concerned this CRA predator will succeed
in suckering money out of her.
What's next? Is CRA going to start another bank robbery spree, this time robbing my mom's bank
accounts?
It's disgusting that Canada Revenue Agency would phone up my mother fishing for a payment from
her for money she doesn't owe the government. Totally disgusting. It's my debt, not hers. Why is
CRA squeezing my mom for somebody else's tax liability? It's also an outrageous breach of my
personal privacy for CRA to be discussing my private tax account information with a third party, my
mother included. Especially my mother! These are gangster methods being perpetrated by CRA.
The message CRA has sent is that we will not only target you but we will also prey on your loved
ones, including your parents, as a way of pushing you around. First CRA terrorizes me by cutting
off my finances, terminating my access to my personal bank accounts, then it goes after my
mother? What in the world is going on here?
I wrote up CRA's abusive privacy attack on me and my mother in a criminal harassment complaint
and filed it with the Vancouver police. Then CIBC's disclosure regarding my missing GIC term
deposit investment, that would now be worth $61,000.00 with accrued interest, started trickling in.