• Report: #962861

Complaint Review: Etoile Finance

  • Submitted: Wed, October 31, 2012
  • Updated: Thu, December 20, 2012

  • Reported By: Anonymous — N/A Other Canada
Etoile Finance
401-9320 St-Laurent Montreal, Quebec United States of America

Etoile Finance Gestion Emeth inc. lepreteurprive.com Let's you hear what you want and takes the maximum amount of money from you only to dissapear afterwards Montreal, Quebec

*Author of original report: REAL CONCLUSION!!!

*Author of original report: I am not the only victim...

*Consumer Comment: Bad experience too!

*Author of original report: Conclusion... The banks took care of the reimbursement!

*Author of original report: Time line in this situation...

*Author of original report: This ''lender'' is now admitting to his doubtful practices

*REBUTTAL Owner of company: Your loan application

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This lender works out of two offices 1) 401-9320 Boul. St-Laurent Montreal and 708-9320 Boul. St-Laurent Montreal... He tells you what you want to hear, collect 2% fees upfront and claims the last 4% at the lawyers office (or notaries for Quebec) but never comes through on submitting the instructions... He cashes in cheques under other people's names, forges and modifies cheques if written to his company name. Will stop answering his phone once he sends you his approval letter for the transaction. This company fell apart in may of 2012 and should not be taking applications for mortgages or any type of loan... The lenders alias name is Jean-Marc Delongcourt but his real name is Ali Ansari... The real name of the company is Gestion Emeth inc. as oppose to "Etoile Finance" or "lepreteurprive.com". Their business number is 1163601660 inc. Many people are losing hard earned money to do business with this company and deserve to be warned. The police is on their trail and they should be shut down soon enough but this lender steals all of this money to finance his old debts and his struggling men's clothing store. He orders clothing from China at rock bottom prices, and resells at high profit margins, he often neglects to pay his shipments from China. This company basically is out to make money and have nothing to give or to offer!

Other phone numbers they use: 1(514)381-3939 Cell: 1(514)582-2903 Fax:1(514)381-6262. Once you enter their website they use another name called Relance Financiere Quebec.

This report was posted on Ripoff Report on 10/31/2012 05:20 PM and is a permanent record located here: http://www.ripoffreport.com/r/Etoile-Finance/Montreal-Quebec-H1N-2N7/Etoile-Finance-Gestion-Emeth-inc-lepreteurprivecom-Lets-you-hear-what-you-want-and-take-962861. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
5Author 1Consumer 1Employee/Owner
Updates & Rebuttals

#1 Author of original report

REAL CONCLUSION!!!

AUTHOR: Anonymous - ()

I am happy to report that the ''lender'' in question did reimburse the $3800.00 that was given to him for this loan...

But I have to admit that it required a trip to Montreal to set the record straight with these people...

The first payment of $2000.00 was made in January 2013 and the second payment of $1800.00 in february 2013...

Some might ask why two payments... Well, I still don't know why but this is how they chose to proceed! 

The real conclusion is: I would still advise anybody to be very careful when doing business with indivuduals with no reputation! 

Thanks to all the people who wrote about their experiences to me via e-mail! 
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#2 Author of original report

I am not the only victim...

AUTHOR: Anonymous - (Canada)

Interestingly enough, I am not the only victim in this matter... A new post by another victim has been submitted which makes me wonder how many of you out there have been affected by this fraudulent ''lender''? The authorities are going to be slow in the matter and resources are limited for these kinds of situations which is why I am prepared to act as a representative of any victim of toile Finance, Gestion Emeth Inc, lepreteurprive.com, Relance Financire du Qubec, ''Jean-Marc'', Ali Ansari, or Eliane Dahan have created! I have the knowledge, patience and resources to assist any victim in this situation! I would ask that all victims please write me an e-mail about your experience with this ''company'' at pier0091@hotmail.com. It is my plan to truly expose this company and assist any victim in getting their money back. I am willing to do this at no cost because I am not certified in any way to do this but I have ways to reach a satisfactory conclusion for victims. I WANT TO HEAR YOUR STORY!!!

Key things:

1. Ask your bank for a copy of the cheque they cashed, it takes 24-48 hours to get this evidence.

2. If you gave them cash, supply a receipt and if you didn't get one, just tell me your story!

3. Anything else you thought was suspicious, please make mention of it!

Pour la clientle francophone qui a su connatre un malaise avec ce ''prteur'' envoyez-moi un courriel a cet effet avec des preuves...
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#3 Consumer Comment

Bad experience too!

AUTHOR: Anonymous - (Canada)

  I used to be a customer with this company in the past and as soon as you meet the boss, Jean Marc, you immediately feel that something is wrong with these guys.   He's controlling many companies but you can't find his name anywhere in the Quebec Registrar.  He is hiding behind 5 or 6 companies under other people's name, so those poor people are the ones that get sued when trouble arises.  Basically, this guy doesn't ''exist'' on paper, but he deals with thousands of dollars every day.  I lost a deposit too with them when I applied for a loan.  Be careful!
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#4 Author of original report

Conclusion... The banks took care of the reimbursement!

AUTHOR: Anonymous - (Canada)

It can be noted for those following the situation that the banks, ''not the alleged lender'' have refunded the $2300.00 cheque that was given to this ''company''. I have to mention that the banks are in no obligation to do so and this is a voluntary act on their part but that act is only completed when enough evidence has been submitted to prove that there was a wrong doing.



I also have to mention another event I recall that occured soon after the lender visited the property in August of 2012. We have a former Costco warehouse that has been up for sale or rental for several years since Costco switched locations and the lender had called me at one point asking me to go verify the address for other potential clients who were interested in possessing the property! When I arrived there, I ran into these two clients and they were there to locate this address. I spoke with them and they made mention of the ''lender''.... I don't know what took place with their file but we are in December of 2012 and this property remains vacant! I truly hope that I am the only client who finds himself in this situation but there is a lot of evidence to the contrary!



I remain short $1500.00 but don't expect to ever see those funds but there are other collection methods that can be taken to reach these amounts. Ultimately, the conclusion is clear... There was never an intent on giving a mortgage, the ''lender'' collected fees for a transaction he had no intention on funding, the ''lender'' in my opinion doesn't have the capacity to lend these kinds of funds since he didn't even reimburse the $3800.00 to avoid the controversy, he cashed a cheque intended for his company under his wife's account since he clearly doesn't possess a business account and finally I hope these reports and findings will serve as conclusive!



By the way I have purchased a new property and take possession this afternoon at 2PM!
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#5 Author of original report

Time line in this situation...

AUTHOR: Anonymous - (Canada)

Just to give light on the events that led to the situation I find myself in with this alleged ''lender'', here is a brief timeline of the sequence of events:

On July 18, 2012: I contacted the ''lender'' for a business loan... Through conversations, he found out that I was buying a house and that I had chosen my lender for the transaction. He stated that we could go through the process for the business loan but that he wanted a copy of my approval for the mortgage because he could beat the offer I obtained.

On August 1, 2012: I showed up at the ''lender's'' office to discuss the loan application that had been submitted and additional paperwork he may require to process the request. At the end of that meeting he had collected the required information for the business loan and mortgage along with a deposit! In that meeting before giving him the deposit, I asked him ''Are you a broker who will look for a loan or are you the actual lender''? His answer was ''I am the lender''. I then asked him if we were going ahead with this transaction and his response was yes!

On August 7, 2012: My debit card which had been compromised which froze my account for a week so the deposit I had given had not cleared because the account was frozen but the ''lender'' incurred no fees because of the frozen account...

On August 14, 2012: This ''lender'' came to visit the property in question and to collect his deposit because of the previously frozen account. After visiting the property with an ''alleged'' investor, he asked for his deposit and I remitted $1500.00 in cash plus $2300.00 in the form of a cheque.

On August 21, 2012: I contacted the ''lender'' to ask him what was the status of the application for the business loan and the mortgage... He stated that the business venture was too small and that he didn't want to invest but the mortgage was a go!

On September 4, 2012: I receive a letter by fax stating that the mortgage loan for $170,000.00 was approved...

On September 4, 2012: I explain to this lender that this information was knowledge that I already had and that typically lenders give instructions for the Notary to state their approval of a Mortgage! He then stated that it would be ready for the following week....

I never heard from this lender since that last conversation and he never answered my calls, he had collected his fees for a property he had no intention on financing and that is where things stood. His receptionist answered her phone when I answered but her only response was ''Jean-Marc will call you'' but he never did! I also called their office on several occasions to have a receipt for the deposit and they never supplied one. I had also asked them for a copy of my tax assessment since I couldn't locate the original and that was sent promptly within a half hour!

On October 1, 2012: I felt bad for the seller of the house who was my godmother and I offered to rent the house until the instructions would arise.

On October 30, 2012: Still with no instructions, I contacted my bank to have a copy of the cheque just to have a piece of evidence and to my surprise, the cheque was written out to ''Eliane Dahan'' and the company name is ''Etoile Finance''...

On October 31, 2012: I filed a report with my bank for the transaction... They then informed the institution that cashed the cheque and the police departments in both Gatineau & Montreal...

Then and only then did Etoile Finance start calling me because I assume this account belonging to Eliane Dahan had been frozen... They claim that they wish to reimburse but the condition has been that they will not reimburse until the complaints are removed! I will let you all be the judge of that!

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#6 Author of original report

This ''lender'' is now admitting to his doubtful practices

AUTHOR: Anonymous - (Canada)

Let's breakdown this long rebuttal and truly expose this lender for who he is:

Mentioned that the property was in bad condition, yet collected fees for a mortgage loan for a house that was sub par by his standards or the one of his investors... (Fraud)

Collected 2% fees up front for a property he had no intention on financing... (Misrepresentation & Fraud)

Claims the borrower owes taxes to the government meanwhile Canada Revenue Agency only reveals tax debts to the debtor or designated parties administering the debt, therefore, has no access to this information which means that's a (Lie)!

Claims the cash down of $30K was missing for the Notary... Meanwhile it is not missing, what's missing are the instructions for the Notary to proceed with the transaction but no instructions have been submitted because ''Mr. Lender'' claims after three(3) months that the property was not suitable and again if that is the case, why were fees collected you (Thief)

Talks about the borrower getting loans from a dozen of other lenders with refusals, that's a (Lie) since I submitted instructions from approvals for you to beat one of the several approvals that were obtained! (At this point you have reached the category of pathelogical lying)

In order for a statement to be defamatory, it must be false or proven to be false and this burden of proof remains to be yours to prove...

''Mr. Lender talks about several meetings, procedures, etc... He dissapeared once he had his 2% fees cashed in under his wifes bank account because he doesn't possess a business account... What kind of institution doesn't have a business account? Or could this display tax evasion tactics (More Fraud)

As for former employer's know-how!! (Everybody's guess is as good as mine for that statement)

You have spoken about a settlement and reimbursing the $3800.00 but the irony in it all is that if you truly would had the intention to reimburse, this act would have reached completion a long time ago! You think that by rebutting my statements and not reimbursing me you are left with a leg to stand on? It's an excuse to avoid reimbursing a sum of money you don't have... Shame on you to have even considered contacting me once trouble arrised based of the situation you caused! If you wish to have a leg to stand on, you can start by reimbursing the fees for the property you weren't going to finance and then I will do my part! But don't attempt to portray righteousness when you have admitted yourself to collecting money for services you weren't ever planning to render!

If this ''lender'' reimburses my fees I will make sure to write a report to that affect but until then, all of the trouble he is enduring is justified!
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#7 REBUTTAL Owner of company

Your loan application

AUTHOR: Etoile Finance - (Canada)

   We had the unpleasant surprise of reading on the Internet your defamatory message on TOILE FINANCE and companies associated with it. The purpose of this letter is to restore our reputation, to tell the truth about what happened and to offer you to settle this matter once and for all.  You have asked some of our associates, TOILE FINANCE and its investors a loan of one hundred seventy-five thousand dollars (175 000.00$) for the purchase of a property. Your request was based on some documents, your verbal statements and the fact that the property is owned by your mother. Your goal was to make a profit of one hundred thousand dollars (100 000.00$) with the quick resale of the property at the price of two hundred seventy- five-thousand dollars (275.000.00$).    
                       
   Unfortunately, your loan request could not be granted, for several reasons.

   First, this property does not worth $175 000.00$. A visit of the property with the presence of an investor associated with TOILE FINANCE has allowed us to see that the house is in a very bad condition. It requires major work to make it presentable again. The floors are covered with dead flies and vermin. The furniture is so worn you would think that the house was the scene of a battle. 

   However, the property must be in an impeccable condition and set up to seduce the most demanding buyer. This is what real estate experts commonly call the Home Staging. You would have had to invest tens of thousands of dollars to make the property attractive to visitors and give it the value that you assigned to it in our initial meeting.

   In addition, we informed you that you need to inject a down payment of thirty thousand dollars (30 000.00$) payable to the notary to finalize the transaction. Unfortunately, this cashdown is missing. The downpayment guarantees the seriousness of the borrower and the person who would buy the property from you would have, too, the obligation to pay a down payment to finalize the transaction. In fairness and good faith, you must admit that the down payment was essential to the success of the deal, but you have failed, neglected and refused to pay it. You are responsible of your loss alone and it woukld be unfair on your part to pin the  blame on us for this loss.  

   In addition, you have told us that it was a revenue property but we soon found that this was not the case. This lack of income has complicated things because it had further reduced the price that you could ask for the property.                                                         

   We discovered that this property is not onwed by your mother. This is another false statement. Given this state of facts, we have sent you a loan approval for a certain value, in ignorance of the facts mentioned below. However, this approval is the result of your false statements. Obviously, we can not go on with it because your statements were false. It is impossible to build a strong case on such fragile foundations.   You tried to get a loan from a dozen other lenders. All your requests have been rejected because the conditions imposed upon by such other lenders were similar to ours but have not been met. They represent yet common loan rules and we have been applying these rules, which are the based on common sense.

   Therefore, we have already offered to reimburse to you the deposit paid in our initial meeting but you refuse any settlement. You have chosen the path of revenge by publishing on the Internet a message that is false, defamatory and biased. We demand that you immediately remove this message from the Internet. We reserve all of our legal recourses to remove this text from the Internet, but we also offer you to settle the matter by paying the amount you have paid as a deposit in our initial meeting.     

   You must know that this offer is made reluctantly because we worked very hard for months on this loan application and to allow all the interested parties to make the expected profit. Think of all the meetings, procedures, visits to the property, the file study, the countless phone conversations, etc. In spite of all this work, we will suffer a loss because we trusted you but you broke our trust.

   By pushing a little further our research on your background, we realized that your reputation is not spotless. You owe a tax debt of more than thirty thousand dollars (30 000.00$) to Canada Revenue Agency. It goes without saying that this debt should be paid up before the purchase of the property tax because the creditor may register a lien to secure repayment of the debt. This obstacle may frighten the most accommodating lender.

    Obviously, this information should have been communicated to us in out initial meeting so that we can deal with the situation. We could have, for example, attempted to reach a repayment agreement with the creditor tax. Here again, your guilty silence ruined everything.

   In addition, your stormy relationship with your ex-employer give rise to arguments that cast serious doubt on your credibility. According to our data, you have broken your labor contract by illegally contacting your former employer supplyers and by using your former employers knowhow, which you were forbidden to use. This behavior is quite irregular, especially from a businessman who claims to be as white as snow.

   Why did you have to mix up TOILE FINANCE with other companies that have nothing to do with your loan application? This confusion leads to further damage to the companies that have their own autonomy and their business activities.

   By spitting your venom on these companies on the Internet, you impacted the possibility of a settlement. However, despite your relentless attacks, we keep our mind opened. Revenge is a bad advisor and one who throws something in the ocean may still find its own trash on shore. 

   We offer you to resolve this issue by paying you back the deposit you have paid for in our initial meeting, in return of the immediate removal of your written message about our companies and TOILE FINANCE on the Internet. This offer is made without prejudice and for the sole purpose of settling this matter.

   WE RESERVE ALSO OUR RIGHT TO PUBLISH THIS LETTER ON THE INTERNET SO THAT THE PUBLIC IN GENERAL CAN MAKE ITS OWN OPINION BY KNOWING OUR SIDE OF THE STORY.

   WITHOUT PREJUDICE.

   You can join us by phone at (514) 582-2903 to reach a fast resolution of this matter. 

   With our best regards, 
 
We had the unpleasant surprise of reading on the Internet your defamatory message on TOILE FINANCE and companies associated with it. The purpose of this letter is to restore our reputation, to tell the truth about what happened and to offer you to settle this matter once and for all. 
 
You have asked some of our associates, TOILE FINANCE and its investors a loan of one hundred seventy-five thousand dollars (175 000.00$) for the purchase of a property. Your request was based on some documents, your verbal statements and the fact that the property is owned by your mother. Your goal was to make a profit of one hundred thousand dollars (100 000.00$) with the quick resale of the property at the price of two hundred seventy- five-thousand dollars (275.000.00$).                                                   
 
Unfortunately, your loan request could not be granted, for several reasons.                                                              
 
First, this property does not worth $175 000.00$. A visit of the property with the presence of an investor associated with TOILE FINANCE has allowed us to see that the house is in a very bad condition. It requires major work to make it presentable again. The floors are covered with dead flies and vermin. The furniture is so worn you would think that the house was the scene of a battle. 
 
 
    - 2 -
 
However, the property must be in an impeccable condition and set up to seduce the most demanding buyer. This is what real estate experts commonly call the Home Staging. You would have had to invest tens of thousands of dollars to make the property attractive to visitors and give it the value that you assigned to it in our initial meeting.
 
In addition, we informed you that you need to inject a down payment of thirty thousand dollars (30 000.00$) payable to the notary to finalize the transaction. Unfortunately, this cashdown is missing. The downpayment guarantees the seriousness of the borrower and the person who would buy the property from you would have, too, the obligation to pay a down payment to finalize the transaction. In fairness and good faith, you must admit that the down payment was essential to the success of the deal, but you have failed, neglected and refused to pay it. You are responsible of your loss alone and it woukld be unfair on your part to pin the  blame on us for this loss.
 
 In addition, you have told us that it was a revenue property but we soon found that this was not the case. This lack of income has complicated things because it had further reduced the price that you could ask for the property.
 
We discovered that this property is not onwed by your mother. This is another false statement.
 
Given this state of facts, we have sent you a loan approval for a certain value, in ignorance of the facts mentioned below. However, this approval is the result of your false statements. Obviously, we can not go on with it because your statements were false. It is impossible to build a strong case on such fragile foundations.
 
 
 You tried to get a loan from a dozen other lenders. All your requests have been rejected because the conditions imposed upon by such other lenders were similar to ours but have not been met. They represent yet common loan rules and we have been applying these rules, which are the based on common sense.
 
    - 3 -
 
Therefore, we have already offered to reimburse to you the deposit paid in our initial meeting but you refuse any settlement. You have chosen the path of revenge by publishing on the Internet a message that is false, defamatory and biased. We demand that you immediately remove this message from the Internet. We reserve all of our legal recourses to remove this text from the Internet, but we also offer you to settle the matter by paying the amount you have paid as a deposit in our initial meeting.
 
     You must know that this offer is made reluctantly because we worked very hard for months on this loan application and to allow all the interested parties to make the expected profit. Think of all the meetings, procedures, visits to the property, the file study, the countless phone conversations, etc. In spite of all this work, we will suffer a loss because we trusted you but you broke our trust.
 
    By pushing a little further our research on your background, we realized that your reputation is not spotless. You owe a tax debt of more than thirty thousand dollars (30 000.00$) to Canada Revenue Agency. It goes without saying that this debt should be paid up before the purchase of the property tax because the creditor may register a lien to secure repayment of the debt. This obstacle may frighten the most accommodating lender. Obviously, this information should have been communicated to us in out initial meeting so that we can deal with the situation. We could have, for example, attempted to reach a repayment agreement with the creditor tax. Here again, your guilty silence ruined everything.
 
  In addition, your stormy relationship with your ex-employer give rise to arguments that cast serious doubt on your credibility. According to our data, you have broken your labor contract by illegally contacting your former employer supplyers and by using your former employers knowhow, which you were forbidden to use. This behavior is quite irregular, especially from a businessman who claims to be as white as snow.
 
Why did you have to mix up TOILE FINANCE with other companies that have nothing to do with your loan application? This confusion leads to further damage to the companies that have their own autonomy and their business activities.
 
 
 
- 4 -
 
By spitting your venom on these companies on the Internet, you impacted the possibility of a settlement. However, despite your relentless attacks, we keep our mind opened. Revenge is a bad advisor and one who throws something in the ocean may still find its own trash on shore.
 
We offer you to resolve this issue by paying you back the deposit you have paid for in our initial meeting, in return of the immediate removal of your written message about our companies and TOILE FINANCE on the Internet. This offer is made without prejudice and for the sole purpose of settling this matter
 
WE RESERVE ALSO OUR RIGHT TO PUBLISH THIS LETTER ON THE INTERNET SO THAT THE PUBLIC IN GENERAL CAN MAKE ITS OWN OPINION BY KNOWING OUR SIDE OF THE STORY
 
You can join us by phone at (514) 582-2903 to reach a fast resolution of this matter.
 
With our best regards, 
 
We had the unpleasant surprise of reading on the Internet your defamatory message on TOILE FINANCE and companies associated with it. The purpose of this letter is to restore our reputation, to tell the truth about what happened and to offer you to settle this matter once and for all. 
 
You have asked some of our associates, TOILE FINANCE and its investors a loan of one hundred seventy-five thousand dollars (175 000.00$) for the purchase of a property. Your request was based on some documents, your verbal statements and the fact that the property is owned by your mother. Your goal was to make a profit of one hundred thousand dollars (100 000.00$) with the quick resale of the property at the price of two hundred seventy- five-thousand dollars (275.000.00$).                                                   
 
Unfortunately, your loan request could not be granted, for several reasons.                                                              
 
First, this property does not worth $175 000.00$. A visit of the property with the presence of an investor associated with TOILE FINANCE has allowed us to see that the house is in a very bad condition. It requires major work to make it presentable again. The floors are covered with dead flies and vermin. The furniture is so worn you would think that the house was the scene of a battle. 
 
 
    - 2 -
 
However, the property must be in an impeccable condition and set up to seduce the most demanding buyer. This is what real estate experts commonly call the Home Staging. You would have had to invest tens of thousands of dollars to make the property attractive to visitors and give it the value that you assigned to it in our initial meeting.
 
In addition, we informed you that you need to inject a down payment of thirty thousand dollars (30 000.00$) payable to the notary to finalize the transaction. Unfortunately, this cashdown is missing. The downpayment guarantees the seriousness of the borrower and the person who would buy the property from you would have, too, the obligation to pay a down payment to finalize the transaction. In fairness and good faith, you must admit that the down payment was essential to the success of the deal, but you have failed, neglected and refused to pay it. You are responsible of your loss alone and it woukld be unfair on your part to pin the  blame on us for this loss.
 
 In addition, you have told us that it was a revenue property but we soon found that this was not the case. This lack of income has complicated things because it had further reduced the price that you could ask for the property.
 
We discovered that this property is not onwed by your mother. This is another false statement.
 
Given this state of facts, we have sent you a loan approval for a certain value, in ignorance of the facts mentioned below. However, this approval is the result of your false statements. Obviously, we can not go on with it because your statements were false. It is impossible to build a strong case on such fragile foundations.
 
 
 You tried to get a loan from a dozen other lenders. All your requests have been rejected because the conditions imposed upon by such other lenders were similar to ours but have not been met. They represent yet common loan rules and we have been applying these rules, which are the based on common sense.
 
    - 3 -
 
Therefore, we have already offered to reimburse to you the deposit paid in our initial meeting but you refuse any settlement. You have chosen the path of revenge by publishing on the Internet a message that is false, defamatory and biased. We demand that you immediately remove this message from the Internet. We reserve all of our legal recourses to remove this text from the Internet, but we also offer you to settle the matter by paying the amount you have paid as a deposit in our initial meeting.
 
     You must know that this offer is made reluctantly because we worked very hard for months on this loan application and to allow all the interested parties to make the expected profit. Think of all the meetings, procedures, visits to the property, the file study, the countless phone conversations, etc. In spite of all this work, we will suffer a loss because we trusted you but you broke our trust.
 
    By pushing a little further our research on your background, we realized that your reputation is not spotless. You owe a tax debt of more than thirty thousand dollars (30 000.00$) to Canada Revenue Agency. It goes without saying that this debt should be paid up before the purchase of the property tax because the creditor may register a lien to secure repayment of the debt. This obstacle may frighten the most accommodating lender. Obviously, this information should have been communicated to us in out initial meeting so that we can deal with the situation. We could have, for example, attempted to reach a repayment agreement with the creditor tax. Here again, your guilty silence ruined everything.
 
  In addition, your stormy relationship with your ex-employer give rise to arguments that cast serious doubt on your credibility. According to our data, you have broken your labor contract by illegally contacting your former employer supplyers and by using your former employers knowhow, which you were forbidden to use. This behavior is quite irregular, especially from a businessman who claims to be as white as snow.
 
Why did you have to mix up TOILE FINANCE with other companies that have nothing to do with your loan application? This confusion leads to further damage to the companies that have their own autonomy and their business activities.
 
 
 
- 4 -
 
By spitting your venom on these companies on the Internet, you impacted the possibility of a settlement. However, despite your relentless attacks, we keep our mind opened. Revenge is a bad advisor and one who throws something in the ocean may still find its own trash on shore.
 
We offer you to resolve this issue by paying you back the deposit you have paid for in our initial meeting, in return of the immediate removal of your written message about our companies and TOILE FINANCE on the Internet. This offer is made without prejudice and for the sole purpose of settling this matter
 
WE RESERVE ALSO OUR RIGHT TO PUBLISH THIS LETTER ON THE INTERNET SO THAT THE PUBLIC IN GENERAL CAN MAKE ITS OWN OPINION BY KNOWING OUR SIDE OF THE STORY
 
You can join us by phone at (514) 582-2903 to reach a fast resolution of this matter.
 
With our best regards, 
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