好冤啊,被贷款的broker坑了。请教坛子里的好心人,帮忙出出主意。

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回复: 好冤啊,被贷款的broker坑了。请教坛子里的好心人,帮忙出出主意。

论坛大侠们的意见都很专业,楼主下次那破经济再敢打电话来,就告诉他,他的所做所为是威胁。敢乱用你们的SIn卡,以后第一个要告的就是他,而且他也是第一个被怀疑的对象,再之后,只要来电显示是他,直接按掉就好。

他也就是穷疯了乱咬人,不理会就好,这样的人在加拿大太多了。
 
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回复: 好冤啊,被贷款的broker坑了。请教坛子里的好心人,帮忙出出主意。

你的300元已经花了冤枉钱,其余的2700一分钱都不要再给,无论你此前签了什么文件。

做这种事的人在贷款这个行业里是最无耻的一类,绝不能姑息。

在这里输入这个经纪的信息,查到她/他在政府注册的信息。不仅要查本人,还要查所在公司的信息,http://www5.fsco.gov.on.ca/mbsweblist/agents.aspx

查到信息后,按照这个网站的内容准备材料,http://www.fsco.gov.on.ca/en/mortgage/Pages/complaints.aspx

政府关于你这种情况的解释和说明:

http://www.fsco.gov.on.ca/en/mortgage/Pages/faq-c.aspx#iq2

http://www.fsco.gov.on.ca/en/mortgage/Pages/faq-c.aspx#Mortgage Issues

1. How can I resolve a complaint about a Mortgage Broker or Agent?

If you have a complaint about a Mortgage Broker/Agent, and have been unable to resolve your complaint with the Mortgage Brokerage that the individual works for, you may write to the Financial Services Commission of Ontario (FSCO) for assistance. The address is:

The Financial Services Commission of Ontario
Licensing and Market Conduct Division
Mortgage Brokerage/Administrator Complaints
5160 Yonge Street, 4th Floor, Box 85
Toronto, ON M2N 6L9
The Mortgage Brokerage is required by law to provide a written response to your written complaint.

Please complete the Mortgage Business Activity Complaint Form (PDF) and include the Mortgage Brokerage’s written response. You should provide all relevant information and documentation when this form is completed. When your complaint is received, FSCO will confirm receipt and tell you what to expect next.

If you require additional information on how to file a complaint, please call FSCO at (416) 250-7250http://www.fsco.gov.on.ca/en/mortgage/Pages/faq-c.aspx# or toll free at 1-800-668-0128http://www.fsco.gov.on.ca/en/mortgage/Pages/faq-c.aspx# and ask for the Contact Centre.
2. What should I do if I was pressured into an inappropriate mortgage?

If a Mortgage Broker or Agent has pressured you into an inappropriate mortgage, you may wish to speak to a lawyer to find out what legal action can be taken, as the Financial Services Commission of Ontario (FSCO) cannot obtain compensation on your behalf.
3. What can I do if a Mortgage Brokerage did not provide me a "cooling off period" before I signed my mortgage agreement?

If a Mortgage Brokerage did not provide you the required "cooling off period" (this is a mandatory 72 hour waiting period) before you signed your mortgage agreement, you can file a complaint with the Mortgage Brokerage. If you are not satisfied with the Mortgage Brokerage’s response to your complaint, you may contact the Financial Services Commission of Ontario (FSCO) to file your complaint.

According to the Mortgage Brokerage Standards of Practice Regulation, Section 30, under the Act, a Mortgage Brokerage is required to provide you a Statement of Mortgage and a 72 hour waiting period before you can sign your mortgage agreement. However, if the lender is a financial institution (for example, a bank), or if you (the borrower) are not required to pay the Mortgage Brokerage a fee, this required waiting period does not apply.
http://www.fsco.gov.on.ca/en/mortgage/Pages/faq-c.aspx# 4. Can the Mortgage Brokerage make me pay a fee in advance?

Before January 1, 2009, if your mortgage is for $200,000 or less, the Mortgage Brokerage cannot accept or require you to make an advance payment or deposit for any expenses or services that will be offered by the Mortgage Brokerage or one of its employees. You do not need to make any payment or deposit until you sign your mortgage agreement (for new mortgages) or enter into a new mortgage renewal agreement (for mortgage renewals). After January 1, 2009, this will apply to mortgages of $300,000 or less.

如果你的贷款金额小于30万,贷款经纪的前端收费是非法的。

支持!赞赏你的正直!
 

beinglove

轻轻尘埃一粒..
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回复: 好冤啊,被贷款的broker坑了。请教坛子里的好心人,帮忙出出主意。

你的300元已经花了冤枉钱,其余的2700一分钱都不要再给,无论你此前签了什么文件。

做这种事的人在贷款这个行业里是最无耻的一类,绝不能姑息。

在这里输入这个经纪的信息,查到她/他在政府注册的信息。不仅要查本人,还要查所在公司的信息,http://www5.fsco.gov.on.ca/mbsweblist/agents.aspx

查到信息后,按照这个网站的内容准备材料,http://www.fsco.gov.on.ca/en/mortgage/Pages/complaints.aspx

政府关于你这种情况的解释和说明:

http://www.fsco.gov.on.ca/en/mortgage/Pages/faq-c.aspx#iq2

Mortgage Issues

1. How can I resolve a complaint about a Mortgage Broker or Agent?

If you have a complaint about a Mortgage Broker/Agent, and have been unable to resolve your complaint with the Mortgage Brokerage that the individual works for, you may write to the Financial Services Commission of Ontario (FSCO) for assistance. The address is:

The Financial Services Commission of Ontario
Licensing and Market Conduct Division
Mortgage Brokerage/Administrator Complaints
5160 Yonge Street, 4th Floor, Box 85
Toronto, ON M2N 6L9
The Mortgage Brokerage is required by law to provide a written response to your written complaint.

Please complete the Mortgage Business Activity Complaint Form (PDF) and include the Mortgage Brokerage’s written response. You should provide all relevant information and documentation when this form is completed. When your complaint is received, FSCO will confirm receipt and tell you what to expect next.

If you require additional information on how to file a complaint, please call FSCO at (416) 250-7250 or toll free at 1-800-668-0128 and ask for the Contact Centre.
2. What should I do if I was pressured into an inappropriate mortgage?

If a Mortgage Broker or Agent has pressured you into an inappropriate mortgage, you may wish to speak to a lawyer to find out what legal action can be taken, as the Financial Services Commission of Ontario (FSCO) cannot obtain compensation on your behalf.
3. What can I do if a Mortgage Brokerage did not provide me a "cooling off period" before I signed my mortgage agreement?

If a Mortgage Brokerage did not provide you the required "cooling off period" (this is a mandatory 72 hour waiting period) before you signed your mortgage agreement, you can file a complaint with the Mortgage Brokerage. If you are not satisfied with the Mortgage Brokerage’s response to your complaint, you may contact the Financial Services Commission of Ontario (FSCO) to file your complaint.

According to the Mortgage Brokerage Standards of Practice Regulation, Section 30, under the Act, a Mortgage Brokerage is required to provide you a Statement of Mortgage and a 72 hour waiting period before you can sign your mortgage agreement. However, if the lender is a financial institution (for example, a bank), or if you (the borrower) are not required to pay the Mortgage Brokerage a fee, this required waiting period does not apply.
4. Can the Mortgage Brokerage make me pay a fee in advance?

Before January 1, 2009, if your mortgage is for $200,000 or less, the Mortgage Brokerage cannot accept or require you to make an advance payment or deposit for any expenses or services that will be offered by the Mortgage Brokerage or one of its employees. You do not need to make any payment or deposit until you sign your mortgage agreement (for new mortgages) or enter into a new mortgage renewal agreement (for mortgage renewals). After January 1, 2009, this will apply to mortgages of $300,000 or less.

如果你的贷款金额小于30万,贷款经纪的前端收费是非法的。
谢谢普及,学习ing~
 
G

gordondeng

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回复: 好冤啊,被贷款的broker坑了。请教坛子里的好心人,帮忙出出主意。

楼主情况怎么样了,也不上来说说。
 
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回复: 好冤啊,被贷款的broker坑了。请教坛子里的好心人,帮忙出出主意。

再次感谢坛子里的筒子们. 这几天来都在忙找律师的事,就没有上来和大家汇报. 那个BROKER 还有在打电话来,也提出和我们面谈. 我和LG都决定不再理会她了. 希望她可以知难而退吧.
 
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回复: 好冤啊,被贷款的broker坑了。请教坛子里的好心人,帮忙出出主意。

总是有消费者姑息养奸,让少数贷款经纪的非法行为越来越猖獗。

这个鼻毛银行的砖嫁是靠骂broker起家的,这一招常常改头换面,但屡试不爽。现在连这种荒唐故事都编出来了。

你的利率高,是因为你心黑,卖高利率多挣黑心钱。天天标榜传播加拿大贷款知识,却连自己银行的产品都没有系统介绍过。

如果楼主不承认是在配合演戏,就把broker的名字公布出来,也不要担了“姑息养奸”的骂名
 
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回复: 好冤啊,被贷款的broker坑了。请教坛子里的好心人,帮忙出出主意。

您时间好充裕,涨和跌跟你关系大吗?

时间有没有价值呢?多租一年房子,租金就是成本,如果有人认为值得,就等,不值得就买。

有些新移民等了5年,贷款已经没有优惠政策了,等来的是房价不断上涨,加上5年的租金。

如果这个论坛里有人等来了比租房更经济的机会,早就跳出来说话了。
 
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回复: 好冤啊,被贷款的broker坑了。请教坛子里的好心人,帮忙出出主意。

最近大温Mortgage行业协会多次提醒,有个别broker打着帮人申请贷款的目的,收取客户的好处费,这样的broker要么品行不端,因为正牌的broker是不会收客户的任何费用的,要么是假冒的无牌,LZ可以上行业协会的网站上查她是否持牌,也可以直接向协会投诉
 
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回复: 好冤啊,被贷款的broker坑了。请教坛子里的好心人,帮忙出出主意。

最近大温Mortgage行业协会多次提醒,有个别broker打着帮人申请贷款的目的,收取客户的好处费,这样的broker要么品行不端,因为正牌的broker是不会收客户的任何费用的,要么是假冒的无牌,LZ可以上行业协会的网站上查她是否持牌,也可以直接向协会投诉

如果是是无牌假冒的,直接报警即可。
 
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回复: 好冤啊,被贷款的broker坑了。请教坛子里的好心人,帮忙出出主意。

时间有没有价值呢?多租一年房子,租金就是成本,如果有人认为值得,就等,不值得就买。

有些新移民等了5年,贷款已经没有优惠政策了,等来的是房价不断上涨,加上5年的租金。

如果这个论坛里有人等来了比租房更经济的机会,早就跳出来说话了。


请问是啥优惠政策啊?
 
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回复: 好冤啊,被贷款的broker坑了。请教坛子里的好心人,帮忙出出主意。

本人是一名偈款?硷,近日已提升自己在房偈知滓而考取了AMP (Accredited Mortgage Professional) 的名函,三天前我看到故事,於是便向办傥的人PM 提意他到 FSCO 站查看是否有呃位agent存在及可跟呃位所洲的agent把 deposit拿回,因在FSCO站已很清楚真明 $300,000 以下的偈款是不能收取任何deposit。

到了今天我?是?有收到办傥的人回? (PM 或在上的最後跟),我不得不疑其?案的真性了! 原本我不打算在呃公檫办表意?的。但因我都迂得有位 Specialist 是比蒉喜利用一些 BROKER 的?案去吸引坐者。

本人只迂得在不同的??都有好陪?的成?,如我要是用同一方法去把在泫行的 Specialist 不??的事情述出我想每天我很忙在?呢面前打呃些?案。 所以本人迂得如有心要助客,最好每人做好自己本份,而不??利用人家的不快事情把自己抬高。

希望各位客?能得到?有的服?! 也希望各同行保持自己的操守,令公?得到?有的偈款服?!
 
最后编辑: 2012-08-14
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回复: 好冤啊,被贷款的broker坑了。请教坛子里的好心人,帮忙出出主意。

建议楼主立刻公布这个broker的电话,否则就助涨了这些人的嚣张。

这个论坛里,没半年就会有一个类似的帖子。

希望大家一直顶这个帖子,只有这样,才不会让悲剧再发生。

类似恶性事件,必须宣传,必须广而告之,必须向监管当局投诉。。。

请各位帮顶,并广而告之正确的做法,以免被勒索,被恐吓。
 

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