To the Financial Services Commission of Ontario:

Balance Protection Insurance…

From:
“Joseph & Sari Grove” <grovecanada@fastmail.fm>
To:
“FSCO” <contactcentre@fsco.gov.on.ca>
Date:
Mon, 24 Oct 2011 6:39 PM (less than a minute ago)
Hello,
TD Visa has taken $2,684.70 plus interest from me for something on my TD Visa called balance protection Insurance…
I discovered a charge recently, & when I went to have it removed, they told me it was legitimate…
 That is when I discovered the total amount of damage over the years…
 Apparently this balance protection insurance was sold to me in a phone conversation many years ago when I was re-activating a new credit card…
 Apparently they say they sent me something in writing, though I never received or read it if I did…
 Honestly I was entirely unaware that I had this balance protection insurance at all…
 My husband checks my statements, & he did not catch the charges either…
 But even worse, I discovered that a self-employed person is not eligible to make a claim on balance protection insurance at all anyway…
 When I discovered these unauthorized charges, I thought maybe I could swallow the mistake & just have TD Visa pay off my balance owing on my credit card & somehow that would make it square again…
But self-employed people cannot make a claim???
 So I was sold a policy in a coercive & deceptive manner, with no annual reminders to ask me if I wanted to renew (which would have at least told me I had this policy), for something that I was completely ineligible for…???
 I am hitting a brick wall with TD Insurance, who apparently thinks that everything concerning the sale of this balance protection insurance is done correctly…
 How can someone sell you insurance if you can never make a claim for it? How is this legal? I am so shocked…
 I am also depressed at the state of corruption that a bank of this stature can stand behind so obviously a corrupt product…
 Not only would I like my monies back, but I’d like to see TD Insurance penalized for their unfair business practices…
 I’d also like to see this whole balance protection insurance banned as a product in Canada in its entirety…
 Do you agree?
 If so, can you help in any way shape or form?
 I have jumped through the appropriate hoops of talking with TD, & have gotten nowhere…
The profits from this unscrupulous device are obviously so great as to have clouded their judgement…
 My husband comes from a military family & all our extra money goes to them…That money taken by TD has been taken away from people who really need it…
 But worse, it has been taken in an illegal way & legislation needs to be enforced against TD…
 There doesn’t even appear to be any certified insurance agents selling this thing nor administering it, nor even any of the people that I have dealt with…
How can non-certified people sell insurance products in Ontario? There needs to be laws about that too…
 Any help you can give is appreciated,
 Sari Grove
GroveCanada.ca
groveontario.wordpress.com
grove@sent.com
416-924-9725

About GroveCanada

Artist Statement: I like to push...Push the fold...Innovate...Figure out how to do something then figure out how to do it even better...I get bored once I accomplish something...I can’t seem to make multiples...Once it is done, it is done ; I am not going to make another one...This can hurt profitability...But I feel the paradigm of repetitive production is obsolete...I see a future where pure intellectual innovation will be rewarded without the need to commercialize it somehow...I wonder about the Star Trek idea of a new culture where money is not the driving force...I live that future already... Bio: Sari is an optimist by nature, someone who always sees the sunny side of things, even if there is no sunny side really...She grew up with two wonderful parents & a great brother...Later she married the very best guy in the world, another artist named Joseph Grove...She likes art because it is for her a happy place to be...A place where joy can reside...So she decided to make art herself because that was the nicest thing she thought she could do for people’s lives...I’d tell you more about angst or strife or misery or struggling, but really, that was not the case...But perhaps, because I am Sari ; I am writing this, my perception is warped by my extreme positivity...But, to tell you the truth, life has been good... p.s.You can read more about my credentials on my main website at http://www.grovecanada.ca ...But I have left a few things out, credential-wise... My feeling is:"By their fruits, ye shall know them" which is from the New Testament, Book of Mathew(7, 16-20)... So read my books ; see if the fruit tastes good to you...I feel those are better credentials than telling you something on a resume... p.p.s. I am a Christian...Whatever that word means to you...
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