Denial is a powerful tool of self-delusion, but it does not change the reality of the situation or potential threat. If you are hungry, denial does not provide food. If you are sick, denial does not provide medicine. If you are stealing from vulnerable seniors, or you show no respect for those who defended this country, or you put greed ahead of helping those in the greatest need, people will still see it.

Then, there is the never-ending reality of time, which is relentless, uncontrollable, and undefiable.

We must conclude that the brokers at Verico the Mortgage Station are wallowing in denial and that they are trying to convince themselves that our ongoing reporting about their criminal abuses is not affecting their business. However, by their own repeated admissions, the truth is quite the opposite, and the effect of true reporting and evidence is growing. If they took off the blinders, the brokers at Verico the Mortgage Station and their allies W. Mark Squire, President and Chief Operating Officer, Verico Financial Group Inc. and Yvonne Ziomecki-Fisher, Executive Vice President Marketing and Sales of HomeEquity Bank would see that since we moved our reports and videos from the Five Points Media website to here, at www.themortgagestation.tv at the beginning of the year, we have seen a dramatic increase in general and specific interest traffic than even we predicted.

It makes sense when considering this website is specifically targeted to a specific subject.

We are using Artificial Intelligence to calculate traffic patterns and how many people are finding our articles due to the services of our anonymous search engine optimisation expert, and how many people have written to us to thank us for this exposure (February 17, 2024, February 13, 2024, and others on that page). We can also calculate with considerable accuracy, based on those figures and our placement on the search engines, how many people found us before seeing the self-serving propaganda posted by the loan sharks of Lefroy. (February 14, 2024).

These calculations, which are based on that hard data, extrapolate that the brokers at Verico the Mortgage Station are losing between eight and ten potential mortgage sales opportunities per week, with higher numbers associated with new Toronto-based families who do not know the local options and rely only on Google to find their services (February 14, 2024). The brokers at Verico the Mortgage Station can wallow in denial, and lie to themselves and others (February 13, 2024), but they don’t have the data, so they are screaming into a vacuum.

They don’t know how many families have learned the truth about fraud being committed against seniors through usury by the brokers, and how management lies as easily as most people breathe.

According to real estate statistics, the average mortgage in Ontario for first-time buyers is around $425,000.00. The average commission that a broker earns is between 0.5% and 1.2% of the total mortgage amount. So, for purposes of simplifying the math, we will average that to 0.8%. That means each mortgage sold is worth to the brokers at Verico the Mortgage Station approximately $3,400.00. Verico the Mortgage Station claims sales of $6,000.000.00, meaning they sell approximately 1765 mortgages per year. So, if we go with the lower number for lost opportunities, eight losses per week would represent 416 mortgage sales per year which represents 23.57% of sales, or $1,414,200.00 in commissions.

That, by anybody’s standard, is a lot of money to lose just to avoid having to testify in court or present your evidence on camera, unless of course, you are guilty of the allegations, and potentially more.

What David Flude, his brokers, and their allies seem to forget is that we have undertaken investigative reports like this in the past, and in both cases, not only did we succeed in defending our right to Freedom of the Press, but the perpetrators of the crimes lost in a humiliating fashion when they attempted to abuse the purpose of civil ligitation and the authority of the criminal justice system to silence us. We did not back down, as we did nothing wrong, and when their unsupported claims and false evidence were challenged before a Judge or Justice they both lost their businesses, destroyed their proffessional reputations, in one case lost their home, and obliterated pretty much one hundred per cent of their once prominent status within their profession.

In both cases, it reached a point when people just realized that all of the huff, puff, and bluff had no substance, and there was no way the con-artists could be telling the truth.

Initially, their colleagues, their clients, and even their competitors believed that the perpetrators were the victims. However, over time, as evidence was revealed through our reporting, it became clear that neither of the multi-million-dollar companies were able to prove their claims. That is when those loyal supporters started falling off, one after another in drips and drabs until the owners stood alone and could no longer finance their business. You need to look no further than Donald Trump to see this pattern in living colour, as he was once the golden boy of New York, and now he can’t open a hotdog stand in that city, even after paying three hundred and fifty million dollars for fraud.

It does not matter who you are, or who you think you are, time and exposure to the facts and evidence are the greatest levelers of the arrogant.

We are now seeing a steady and growing flow of traffic from the GTA (February 14, 2024), as families look to move north before the new school year. We know this because some of them are reaching out to thank us for preventing them from making the horrendous mistake of either going to the brokers (February 17, 2024) at Verico the Mortgage Station or taking out a chip mortgage for their parents through the HomeEquity Bank, who certainly seem to be supporting the criminal brokers. After all, working in support of loan sharks who defraud seniors and veterans, not to mention skimming resources from charities, is as bad as being the one committing usury, an indictable offence punishable by up to five years in prison, or being the one taking selfish action to hurt the most needy. We also know, because David Flude has told us through communications with a prospective client who called him out as a liar, that the brokers at Verico the Mortgage Station are losing business due to the truth of our reporting and their inability to counter our evidence.

We have been telling this story for as long as the number of days noted below without any of our allegations being contested by the brokers at Verico the Mortgage Station or their allies.

Our reports and evidence remain 100% uncontested by any identified person.

In an email exchange between David Flude and a potential referral client named Elizabeth, who noted she was going elsewhere due to his dishonesty, the Principal Broker of Verico the Mortgage Station noted: “The info you and everyone else can see is from a repeat serial agitator.” David Flude appears to need a thesaurus as a ‘repeat serial agitator’ is not the same thing as an internationally experienced investigative journalist and producer of social documentaries. It also is not a philanthropist who has donated more than $700,000.00 in services to his community and who was nominated and voted to the highest levels for an award for altruism that was presented by the City of Barrie and the Barrie Chamber of Comments. For David Flude, lying just seems to be his first go-to, and people are seeing the truth of his deception. Our producer, the ‘agitator’, also helps to serve breakfast to the homeless three times a week, and he goes out on the streets of Barrie three nights a week providing food to those in desperate need. In sharp contrast, David Flude’s statement is a blatant lie, which is common practice for this supposedly ethical broker who lied six times in two emails (1) (2) to evade investigation for usury, or loan sharking, by the Financial Services Regulatory Authority of Ontario (FSRA).

Most people understand that it is only the guilty who lie and hide, which is why so many have told us how, based on our reports, they chose a less notorious and more trustworthy broker to meet their mortgage needs.

The simple reality is that an ‘agitator’ would not offer to interview each key subject in this documentary to hear their side, nor offer to meet on a without-prejudice basis to discuss the accuracy of our reporting, nor offer to stop production on our documentary if any of those about whom we are reporting can or is willing to produce contradictory evidence that proves our allegations are inaccurate. We did all of those things, but the brokers at Verico the Mortgage Station and their allies W. Mark Squire, President and Chief Operating Officer, Verico Financial Group Inc. and Yvonne Ziomecki-Fisher, Executive Vice President Marketing and Sales of HomeEquity Bank have all declined to reply, choosing instead to hide from our evidence rather than refute our allegations.

To most hardworking, non-criminally-inclined people, the reason is pretty obvious.

Our growing audience can see that while we are metaphorically crawling over broken glass to ensure we tell the truth, the brokers of Verico the Mortgage Station and their allies at Verico Financial Group Inc. and HomeEquity Bank are hiding. It is also clear to most that their lame, anonymous, and flaccid attempt at intimidation through threats of civil action, which are now as many days old as the counter above, have never been filed with the court, nor has any communication of any kind ever been received by us from a lawyer, or even a paralegal throughout the entire time frame of our reporting. It is obvious to most that the brokers at Verico the Mortgage Station thought we would cower to their ridiculous demands: “You have until January 5, 2024, to remove the defamatory material from all your website and cease any further defamatory statements.” Of course, we did not comply as criminals don’t tell us what we can report, and although we didn’t lose any sleep over this flaccid low-budget attempt at intimidation, evidently one of the subjects of this story did. It is an embarrassing fact that at 12:02, two minutes after the threatened deadline, one of the subjects of our reporting was scouring our websites at fivepointsmedia.ca and themortgagestation.tv to see if we had obediently kowtowed to their threats and demands. We are not losing business but are gaining new clients based on the quality of our reporting and videos, which most people, or at least those not wearing blinders, can see is the truth.

Why would we knuckle under to anonymous, vacuous threats from loan sharks who are hiding from our reporting, the evidence, and the truth, and who are too cheap or are incapable of hiring a lawyer?

Within his amateurish ‘threat of litigation’, the anonymous writer, who we presume is David Flude, also noted that the actions he demanded were “the minimum steps you are required to take in order to mitigate the damages you have caused,” and “Failure to comply will result in a claim against you and all your agents who have been a party to the defamation. Furthermore, we will seek an injunction to ensure you comply.”

As per the smaller counter, we are waiting for action of any kind, by any person, under any pretence, based on whatever lies they want to use to support an unethical abuse of civil court, intended only to silence the truth.

Despite their rumble and rhetoric, including a threat to sue a bunch of twenty-year-olds under some kind of umbrella abuse of an unscrupulous Strategic Litigation Against Public Participation (SLAPP) lawsuit, we can assess from our visitor traffic that David Flude and his brokers appear to be having difficulty finding a lawyer who will take on this case. In addition to our experience in international journalism, our producer also has a well-established history as a self-represented litigant in various courts where he has defending his Charter-guaranteed right to tell the truth. When lawyers come visiting, they always seem to end their research at an article from 2022 in which our producer took on and slapped down a bullying lawyer who threatened to sue because we were exposing the crimes of a slumlord who through his negligence had contributed to the untimely death of a disabled man who died in a frozen uninsulated trailer that the slumlord was renting to him for $700.00 a month through the Ontario Disability Support Program despite it having no plumbing, no running water, no real heat, no insulation, and no cooking facilities.

Every lawyer who has gone to that page has immediately terminated their research, never to return.

No legitimate multi-million-dollar business, nor their multi-billion-dollar ally, would just sit back and lose hundreds of thousands or even millions of dollars in business due to the reports of a small not-for-profit media service that the multi-million-dollar corporation has threatened to sue, with special attention being paid to the young apprentices of the benevolent social enterprise, but who display such fear within the directors and brokers that they take no action to face and disprove the evidence on camera or even over a cup of coffee.

Why would these mega-rich businesses lack the testicular fortitude to challenge a small not-for-profit community service unless they know we are telling the truth?

They also know we can back up our claims with evidence that could be sufficient to close their business due to their violations of the regulations of the Financial Services Regulatory Authority of Ontario (FSRA), which include usury or loan sharking. This indictable offence carries a prison sentence of up to five years. There is also no reason for them to threaten our apprentices, which the writer, presumed to be David Flude, did as follows: "It also should be noted that your posts demonstrate that there are staff and other people helping you both create the videos, stories and posts. As such, these people, once their names are disclosed, are also liable for the defamation. . . . Every person who has helped you create the videos, images or posts are liable for the defamation that you have posted." That statement is a lie or the misguided rant of a fool, as we informed the writer in our reply. Why would 'honest' and 'ethical' businesspeople with nothing to hide lower themselves to the level of threatening Millennials and Gen Z apprentices with a lawsuit that they lacked the courage to file with a court. They also have no reason to refuse to present, even if only by email, the evidence they claim would disprove our allegations.

None of their claims or 'defenses' make any sense, and everybody can see it.

The brokers at Verico the Mortgage Station and their allies W. Mark Squire, President and Chief Operating Officer, Verico Financial Group Inc. and Yvonne Ziomecki-Fisher, Executive Vice President Marketing and Sales of HomeEquity Bank are of course free to hide for as long as they wish. However, time stops for nobody, and telling the truth costs us nothing. The ongoing strategy of hiding costs the brokers at Verico the Mortgage Station thousands of dollars a day in lost opportunities they do not even learn about, as more people are finding our reporting and coming to their own conclusions based on the evidence without even calling them.

People see that we are an established benvolent not-for-profit that has been nominated for and voted to the highest level for an award for altruism, so we have no motive other than to warn potential victims.

It is also the brokers at Verico the Mortgage Station who have committed crimes by defrauding our producer and trying to cover it up through vacuous threats and lame attempts at intimidation. In sharp contrast, all we have ever asked is for David Flude to live up to his legal and licensing 'regulatory requirements' and to present whatever evidence he and his brokers have that will disprove our allegations. If we, as highly experienced international journalists, were doing anything but simply reporting the truth based on the facts and evidence, we would have been arrested a long time ago. Even if the South Simcoe Police Service, who are part of this story for omitting evidence of a crime, chose to take no action, the brokers at Verico the Mortgage Station and their allies would have done a lot more than just threaten us with civil action and then do nothing. With the passing of time, more vulnerable seniors and families are learning about the risks of doing business with the brokers at Verico the Mortgage Station and their allies, and they are simply taking their valuable business somewhere else.

Until we see reason not to report on this story, our articles, videos, and evidence are not going anywhere.