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  1. heavy reader

    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    Update on Ram Singh: Looks like someone's going to be looking for a new line of work. http://www.ottawasun.com/2011/12/08/judge-considers-sun-request-for-secret-evidence
  2. heavy reader

    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    Just found a few interesting articles about the individual public servant who is the sole and final decision maker on HEA 100% from core benefits, and who has unilaterally declared that there are no depressed markets in Canada. He is currently mentioned  for his role in the $1 Billion dollar...
  3. heavy reader

    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    Update: CDS has granted partial support to grievance. DCBA directed to send the request to TBS (as was mandated in relocation policy).  Going on to 15 months now carrying a growing debt of over 100K (the fun doesn't stop). I understand there are 2 other (similar) requests at DCBA (after going...
  4. heavy reader

    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    Congrats, although I wanted to be the one to "break the HEA" code. I am certainly pleased that the TBS has relented and processed your application. Hopefully this will have a ripple effect for others in a similar situation. Your wife deserves a pat on the back as well. Thank you for your...
  5. heavy reader

    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    Redress is up on the CFGB website. http://www.cfgb-cgfc.gc.ca/English/2011-025.html
  6. heavy reader

    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    A few other interesting points from an Access to Information request recently received (ATI Request # A-2010-00725). TBS cannot provide their own criteria used to determine if an area is a "depressed market". Second interesting point is there is only ONE email chain (heavily censored)...
  7. heavy reader

    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    Update: Clarification and update may be found at http://www.cfgb-cgfc.gc.ca/english/Publications_PerspectivesMay11.html. In this update by the grievance board, they have found the problem and clearly laid it out. A good read for those affected. Hopefully there will be some tangible relief...
  8. heavy reader

    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    Reference: Depressed Housing Market RLRS Analysis-Edmonton - March 2009 CF IRP as found in Access to information request file # A-2010-00699 Oh yeah, the other thing that this particular ATI (ref) demonstrated was that the only policy clarification or research studies on depressed markets...
  9. heavy reader

    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    Reference: Access to information request file # A-2010-00699 Just got the results of an ATI request (took 8 months).  Here is the breakdown of CF members who have applied for and been granted 100% HEA from core between 2007 and 2010. 2007/2008 (33 applied, 0 approved) 2008/2009 (49 applied, 0...
  10. heavy reader

    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    Referernce: DAOD 7004-0 at http://www.admfincs.forces.gc.ca/dao-doa/7000/7004-0-eng.asp It iwll be interesting if DCCL actually accepts these claims as their website specifically excludes claims with respect to relocation...Perhaps this is an oversight or there may a valid mechanism to address...
  11. heavy reader

    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    Hi there: You can have a look at all of the comments posted and hopefully get some good ideas. Ensure you always go with policy as the primary source of info, above advice, so you don't get bleeped. Further, the policy I am dealing with is the 2009 policy and there may be some changes to this...
  12. heavy reader

    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    Hey! Good to hear a friendly voice. The problem remains that TB has not even seen my file (nor anyones). TBS has told DCBA that there are no depressed markets and not to send them any files. DCBA then takes the HEA applications and denies them all based on this. My ATI request to TBS indicates...
  13. heavy reader

    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    Update: For those affected by the HEA policy drag, note that round 2 of the pain is about to start. Just finished with a financial adviser and tax time this year will cost me an extra $5,800 out of pocket. So, to summarize since posting season: Lost $88,000 of my equity; Got $15,000 HEA; Lost...
  14. heavy reader

    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    I can see the decision/action cycle playing out here....should go something like this: DCBA: Hey, TBS can you review these files? TBS: No. DCBA: OK. We tried. Followed by radio silence. One post indicated the possibility of class actions.  Before that discussion would take place, one would...
  15. heavy reader

    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    Thank you for your comments.  A few points on your post.  Of the three individuals I am aware of with significant losses (>$50,000), all occurred in rural areas, one local school (aside from the home for wayward youth and three correctional facilities) and far from excessive homes.  Further, I...
  16. heavy reader

    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    Log O: I keep quoting the policy because Treasury Board has not defined  "any area in Canada" as a depressed market.  Therefore, there is a policy which looks good on paper, but there is no intention to honor it.  Especially when they are provided with substantiation of a depressed market...
  17. heavy reader

    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    It's not a hope that the policy will be changed, its a hope that the policy will be adhered to.  Again, I stress that the battle to have 100% HEA as an entitlement was already fought and won.  The policy is written, now the only issue remaining is to honor the policy for those who need it to put...
  18. heavy reader

    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    Update: Just got my Access to Information back from Treasury Board Secretariat (TBS).  The request was for "Policy, policy clarification, application of rules, guidance, restrictions, limitations or eligibility concerning relocation benefits for Canadian Forces - specifically referring to 100%...
  19. heavy reader

    For Sale-Cdn Military and Canada History Books

    Hi folks: I've got a load of books for sale and I need to come up with some quick cash.  Books are military, military  history, regimental history, antique books, early Canadiana, children's war stories (G.A. Hentry etc) .  About 400 titles in all. We lost big on the home sale during the last...
  20. heavy reader

    DND/VA HELP PLEASE!

    Hey folks. I've got some experience as an advocate with VAC.  If you are truly stuck, drop me a private message with your phone number and I'll see if I can be of assistance.  Looking to put my skills into action for anyone who serves. I'm in Halifax. Ubique!
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