Saskatchewan Human Rights Commission Complaint 16-17-122
By July 5, 2016, the member had not received ANY Mortgage demand documents or ANY Mortgage Disclosure or Renewal Documents required under the Credit Union Policies and the Cost of Credit Act, 2002. The member submitted and signed the Saskatchewan Human Rights Complaint 16-17-122 on Aug 5, 2016 PRIOR to receiving the Credit Union's August 5th, 2016 Letter, stating on page two that the member has 10 days to accept 6.3% and if not, they will commence Foreclosure. The letter submitted to SHRC was dated August 3, 2016
The Credit Union June 29th, 2016 email provided to the Saskatchewan Human Rights Commission. A discussion between the Credit Union Branch Manager and Ed Noble (A Credit Union Member); wanting to submit an official complaint about the Credit Union not following their policy or procedures. August 8, 2016 Ed Noble submits an official complaint.
August 12, 2016 the Credit Union executes a letter from their Chief Financial and Risk Officer to Ed Noble within the legislated 5 days for complaint handling, stating he is not an eligible complainant and it is not an eligible complaint (When the complaint is about the Credit Union not following their own policy and procedures and may be in contravention of legislation).
August 18, 2016 the Credit Union executes their final decision about Ed Noble's August 8, 2016 complaint and states that the "unnamed member is eligible to opt in for their complaint handling process which is stipulated under Market Code - which is FREE to the member.
August 23, 2016, the Credit Union's same Chief Financial and Risk Officer provides the Saskatchewan Human Rights Commission with their Respondent Questionnaire, sharing social media posts collected (a violation under PIPEDA) and ending their commentary on June 29, 2016.
The Credit Union omits the Manager of Risk's July 30, 2016 comment on the Credit Union's System executing the Member's Mortgage Disclosure and Renewal Documentation for the member's July 23, 2016 Mortgage in contravention of the Cost of Credit Act, 2002 &
the Credit Union CEO Letter executed after the settlement of the first Saskatchewan Human Rights Commission with a complaint to his MLA. PIPEDA Discovery January 21, 2020 as Tab one and Tab Seven attached. The CEO's April 7, 2014 letter originally sent on Credit Union Letterhead; the CEO DID NOT attend mediation. At mediation was the Credit Union's Lawyer and Manager of Human Resources; the complainant represented their self during mediation without hiring a lawyer. The response from the Saskatchewan Human Rights Commission to the CEO's letter was not provided but omitted under the Credit union's Jan 21, 2020 PIPEDA response.
The Chief Financial and Risk Officer states, "It is respectfully submitted that the Complaint is both premature as Synergy continues to negotiate through counsel with the Complainant regarding a mortgage renewal and further that the dispute is primarily about an attempt to obtain more favorable mortgage lending."
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