1 c. 3. Brokers, APPEARING. Stephen King, General. one. Vickers. Hearing to Michael of the Mortgage Notice of Hearing availability for the

Transcription

1 1 c. 3 OF 8 H Brokers, APPEARING NG Stephen King, one Vickers General Hearing to Michael of the Mortgage Notice of Hearing availability for the the morning of his unavailability down to allow Campagna Mr. Campagna continued to suffer Registrar's office to advise I the hearing (Staff) contact Mr. to attend the hearing. but that he if he would be able of Mortgage Brokers West Hastings Street Vancouver, BC V6B 4N6 Telephone: Facsimile:

2 2 to attend the by11:00am. Mr. Campagna was satisfied Mr. I was satisfied was and Mr. until 11 :00 am. he could attend against him. appear and that he his absence. iii) iv) v) vi) vii) viii) x) allege further mortgage broker and by maintaining a services of a continued to as a mortgage ln.com wherein for the purpose mortgage applications; potential lenders in one borrower; was a registered that he was no on business as a using the assuring the could remove the for a real could remove a document naming a nonbrokers. to the public as a voice mail message out as offering the

3 3 The issue is whether,,,n,~o,-.c of the one of the owners registered as a office; three "':OTC.r<:>n broker with broker. the Registrar's expanded to met with, also Campagna was years. His most,..""'"""' dba: Dominion on May 31, ""'""~r""' Columbia on brokerages over the 7 with B.C. registration was set to to remind him that the Registrar's registration staff at DLC sent expire on May 31, requirements. "'"'""'"""' numerous times in advance if his registration any of his files to a Campagna was in with some issues whether that contact Campagna did for re'newal of his dated that it had not that the Registrar Campagna and MS at to renew his registration and that as the

4 4 registration of Mr. activity. he could mortgage broker Campagna's for access to the and internal not suspended brokers. He said so it wasn't until Campagna's registration was that now, renewal, it advises sub-mortgage broker will "learnings" that had Mr. West's evidence was during the course his stated "Mortgage of Mr. Campagna's Campagna as an commercial not taken steps in October 2017 mail greeting provided a printout describing Mr. in residential, private Mr. Campagna has 31,201 message on Facebook "friend" mortgage financing. that if she was JS She posted a Mr. Campagna was a to secure her a message touch with him. On complete it. On May through so she was the had further gathered and sent Campagna was of. She had Mr. Campagna in to him. JS's

5 5 documents from JS. documents and up with a message Campagna responded U.:>.O>Gu, 20% Down payment, a message that she for additional on June 28. July 6 and 7 meeting, but "approval was on summary and Fixed Application arrange a a message that her JS a mortgage a Consent Form a Filogix Mortgage,..,.,.,.,,._,.., was DLC and "~'~~~nr o was that, at this time, JS reviewed and forms to him. On July 27, the lawyer advised message and continued sorting it out, provided by returned the signed with her lawyer and the Campagna a answer. Mr. Campagna follow up calls, he was documentation from advised they needed what was going JS was able to financing from incurred ovr,<=~n &:!Q~ a few days, was able to get "'""' ""., the purchase. She home into a motel On May 29, JC with obtaining a home. JC had referred friends to reputation. and her fiance not yet made an

6 6 her with a an application. and asked her to In early June, of the requested Campagna indicated message that he you a purchase with this news. On June 10, Mr. asked if they could June 12, Mr. purchase price, monthly payments. asked On June 15, JC townhouse, they requested him On June 19, JC texj:eu that night. JC and June 19, 2017 and Campagna that their the contract for website provided information was it. On 1 and said "it and provided time when Mr. Mr. Campagna sent JC a text we can do something to get were "over the moon" nhii"u'>r' a they liked and they could. On that included the interest rates and B Banking sector. in a bidding war on the all the documents an offer on a place sale of a home on texted Mr. him a copy of June 28, JC deposit $9,000. or the day before Clause. On July 20, sent completion and asking Mr. Campagna happening, advising name of her notary On August 1 JC '"''"'"""" the had asking if everything Campagna did was trying not to ctr<:>c<:! On August 15, messages but Mr. Subject to was that she had SD<)Ke~n it was OK to remove a text message August 14 8, JC rexiea be doing a paid the second Campagna that day to Finance and confirm that n;;;>vh;;;>n again on July 21 asking what was passing on the walk through, that following day, and but Mr. expressing that she called and left voice was that she was

7 7 and was realtor acting lost his license. completion and honeymoon On August 22, Mr. house, the down n<:>\;fi'y\o information relating been told had he had left DLC would take care working on the done before Mr. September 6, legal documents. residence to discover with Mr. Campagna's texted Mr. Mr. Campagna texted Mr. call. On up with him and working with the were on their way home. and asked him She met was 13 saying mortgage instructions called, everything that day. JC texted Mr. mortgage instructions. 1;;.!\/1,1\l~ls were still waiting for not answer.

8 8 found he was handling received completion was where they could Mr. Campagna him in over two call. She did. JC's from BH. JC's evidence was parents co-signing. with them would forfeited their price the deposit and the deposit was she had been told lawyers had not Campagna, and that were panicking and asked no who she was, that he had not seen asked her to got the message to even with had discussed... """' and JC and home at the same to sell the home collapsing, JC previous home to find another make ends meet. They JC's evidence was a complaint against sale of a home. RM n""t,nr<;> the Subject to RM contacted Mr. not had dealings as a mortgage broker to the Subject to Finance transaction was August RM contacted told her that August 10, complete it completed the requested purchased. """''''"''-' if he was as a mortgage as a mortgage broker. asked her to of the mortgage, survey the property being

9 9 On August 11, Mr. "subject removal payment, sets out a list of from a particular enabled her to remove him "nailing himself financing. RM rc.nnn\ion that she could LC's evidence was document attempted to the next few days that he called a price, down monthly payments. It It is not a commitment removal certificate the document as would obtain the Mr. Campagna's DLC message over did not get back the Subject to that Mr. August 26, Mr. which she did. Campagna to an On August 30, RM with her to sign panicked. She respond. She broker who was resulted in additional September 11, with lawyer or notary Mr. was that she before she was to anything. RM him, but he did not with another financing anticipating. Registrar's office. The Mortgage ~-<rr""'""' registered. is or was carrying on being registered. mortgage Registrar broker or -sub-mortgage brokers on a person who broker without The defines a) of the following: or in part by own or that of

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11 11 I am satisfied on are established. I retain jurisdiction provide submissions costs. parties are at liberty to Cheryl Appointee Province Columbia Mortgage Brokers