The Dossier · 1948 Oakdean Crescent, Ottawa
The Bank's Role
A record of how Scotiabank handled this file — from maturity through delinquency to payout — including inconsistencies identified in its correspondence and process.
Lenders dealing with a mortgage in default in Ontario have obligations: to act in good faith, to communicate accurately with all covenantors, and to account properly on payout and discharge. This page documents how Scotiabank handled this file — and where its handling raises questions.
Evidence and documentation to follow. This section will be populated with dated correspondence, call logs, and internal file references as they are compiled. Nothing will be published that is not supported by a document.
Areas under documentation
- Inconsistent statements between Scotiabank's correspondence dated [Date] and [Date] regarding [arrears balance / renewal terms / payout figures].
- Handling of communications from Ana Lissansky, including requests dated [Date] that received no substantive response for [N] days/weeks.
- Whether the lender was made aware of the court order dated [Date of Order] and how that information was handled internally.
- Discrepancies in stated arrears, per-diem interest, and enforcement cost figures across statements.
- The accuracy of the final payout statement and the processing of the mortgage discharge following the private-lender payout.
Supporting documentation
Exhibit E
Bank Correspondence
Notices, delinquency confirmations, payout statements, and email correspondence with Scotiabank. [Document to be uploaded]
Document to be uploaded
The lender and its counsel are aware of this website. They are invited to correct any factual inaccuracy on this page, in writing, and any substantiated correction will be published in full.