Yesterday, our Producer reached out to Mr. Jo Taylor, President and CEO of the Ontario Teachers' Pension Plan (OTPP), a mega, quarter-trillion-dollar, international conglomerate that holds the HomeEquity Bank as an asset of their corporate empire.

We saw hope for a revival of ethics when HomeEquity Bank hired Katherine Dudtschak as CEO and President, but she turned out to be just another 'one of the boys'.

Apparently, none of the brokers, branders, or bankers care about their reputations or those of their businesses, and they have all essentially admitted guilt by refusing to file threatened civil action for what David Flude claimed from anonymity is 'libel'. They have also not sought the injunctive relief to prevent our reporting of this story, that they touted would be an easy win. What stops multi-million and multi-billion-dollar corporations from suing a small, not-for-profit, social enterprise, community media service? We think we all know the answer is evidence and a pesky reality called truth.

For more than a year, most likely third party contractors working on behalf of some or all of Verico the Mortgage Station, Verico Financial Group Inc., and/or HomeEquity Bank have been scrounging the content of our various websites, looking for something . . . anything they think they can use to coerce us to stop warning seniors and other potential victims about the loan sharking, fraud, and cover up they have committed. For example, while writing this article, somebody from Barrie, running a Mac from an often-seen Bell Canada IP address, is researching an article by Five Points Media from February of 2022, that has nothing to do with this story. It is about how our team exposed a negligent absentee slumlord who the evidence supports contributed to the death of a disabled man.

That apparently obsessed 'researcher' is now on their sixth visit to the same story within the past hour.

This same tactic of coercion was attempted in an embarrassing fashion by David Flude when he tried, while veiled behind anonymity, to twist our Producer's successful action against a community parasite and vexatious litigant into a lame threat to try unsuccessfully to coerce us to stop reporting the truth about the loan sharking at Verico the Mortgage Station and the criminal level of coordinated cover up attempt by Verico Financial Group Inc. and HomeEquity Bank.

It was more than eight months ago when David Flude lamely tried to 'serve' upon our Producer a legally unsupportable and pathetic attempt at intimidation disguised as a do-it-yourself 'Notice under the Liable and Slander Act' regarding our fully supported allegations of lies, manipulation, and loan sharking. Not only did the Principal Broker of Verico the Mortgage Station neglect to retain council to send the huff, puff, and bluff best bid at bullying, he sent his bluster and blather anonymously through a generic email address. Then, based on our fully supported push back reply, David Flude turned tail and ran away from ever filing his pompous prognostications with any court.

That seems to be when he learned that threats of civil action only work against those who are doing wrong.

This was clarified by a statement by the Principal Broker of Verico the Mortgage Station who stated in that document: ". . . at least consider those who have helped you - do they really need to answer for their actions in court?" This Trumpian attitude of 'the law does not apply to us ' has been prevalent throughout the past two years, ever since David Flude was first confronted with the crimes of his brokers, and now it seems those around him who had coddled his ego might finally be saying enough is enough, and that he needs to accept responsibility, preferably before all of Rome burns.

Following the publication yesterday of our article "Did Lisa Purchase Jump Ship, Abandoning Verico the Mortgage Station?" some of our industry insiders contributed that Verico the Mortgage Station has become known not only for loan sharking, and charging interest rates of nearly two hundred percent to senior and veteran clientele, but also for appeasing the corporate powers above by sacrificing those most loyal to them. Sorry, loan sharks, but that will not silence our reporting about your crimes, nor about the legal and ethical violations of your allies.

We know that is commonly called 'under the bus' or 'walk the plank', but we liked this graphic. 😉

Lisa Purchase was the lesser of the three co-conspirators in the plot to setup the mark and then compel them to 'accept' illegal levels of interest and fees totalling more than 198%. Regardless of David Flude's self-serving lie that 'This short term loan provided . . . was a generous and helpful deal ' fraud by usury is an indictable offence punishable upon conviction by a prison term of up to five years. Rather than accepting responsibility, admitting their 'error', and resolving the issue, the brokers of Verico the Mortgage Station, and the management teams of Verico Financial Group Inc., and HomeEquity Bank chose to ignore the issue, then to hide for two years, while occasionally spewing out threats that they lacked the courage to act upon, while trying unsuccessfully to censor the truth of their crimes.

We learned a few days ago from one of our industry insiders that about two weeks ago, Lisa Purchase left David Flude and the brokers of Verico the Mortgage Station. This action, we are told, was likely made to salvage the tattered shards of her career and reputation, both of which, according to sources, are now virtually destroyed by our exposure of the loan sharking by Renee Dadswell that Lisa Purchase forced upon her client, and the cover up and pathological level of lying by David Flude.

It could also be that due to pressure from above, somebody had to be thrown under the bus.

We would say the split was likely not on the best of terms, as there is not a single fond farewell mention on the Facebook page of Verico the Mortgage Station anywhere in their posts for July, which is surprising as David Flude was always so eager to speak to Lisa's accolades whenever the broker won an award or did well for the company. There are also no fond farewell statements made by Lisa in her social media posts. According to her own independent social media posts, Lisa Purchase is now working with an online mortgage brokerage bearing the uber professional name of "Mortgage Pals". Their official moniker is "Verico Paragon MortgagePal Inc. DBA MortgagePal Inc."FSRAO Brokerage #12685, based in Kelowna, BC.

Last night, after we posted our newest report entitled "Fake Outs and Fraud on Facebook", we noticed a sudden influx from Facebook. This screengrab shows three of their publicly identified ISP spiders suddenly visited our homepage, which were then followed by various Facebook associated visits. As was noted in our article of July 20, 2024, found on this 'Latest Updates' page, entitled "Social Media Shares Rising Fast", these spiders and robots noted: "This log entry may indicate that a Facebook user has shared a link from your website with another Facebook user. Facebook downloads some images and details from your site, such as the title of the webpage or a video to provide to the other person who received your link."

We became curious and did some research, and much to our surprise we see we have a notable new friend.

For now, we are going to keep their identity to ourselves, but our new fan seems eager to share the truth of this story to their prospective clients. That is understandable as they are a competing mortgage brokerage in Simcoe County, and they sell the same products as the brokers at Verico the Mortgage Station. In an email to a prospective client, back on October 23, 2024, David Flude, the Principal Broker at David Flude made the following claims:

"The info you and everyone else can see is from a repeat serial agitator. He has been to court numerous times against neighbours, local politicians and we have had nothing but support from our mortgage associates."

As we have shown before unchallenged, everything said by David Flude about our Producer was a lie.

People who use Facebook to promote their business will be familiar with these 'warning' posts. They are scam posts from fake representatives of Facebook or 'affiliated' companies who use the threat of deleting your page to draw you into clicking a link to a harmful page, to convince you to pay them a "fine", or to get you to log into your page so they can steal your log in and password.

They are also used by unscrupulous corporations to intimidate, threaten, or extort smaller competitors.

We noticed that the number and variants of these scam bots suddenly exploded, by a factor of at least ten times, first on our new page entitled "Mortgage Fraud Canada", which we will be using to promote this story across Canada, and then to a lesser degree on our Five Points Media page. Simultaneously, we were notified by our AI tools that those two Facebook pages are also being visited very frequently but without any activity by visitors from outside Facebook who appear to be looking for something; likely anything they think they can use to dissuade us from reporting on these criminal abuses. This could be coincidental, but it all started during the weeks after we moved our story to this standalone website, about six months ago.

Good luck with your likely expensive trip down our rabbit hole, and please enjoy our social message.

The giveaway that they are scam posts, and not a true complaint from Meta, is that there is no information. In July of 2023, HomeEquity Bank filed a complaint with Facebook claiming we were using their logo in contradiction to the copyright act. That claim was a lie, not a mistake, as thirty seconds worth of research conducted by any minion of that multi-billion-dollar corporation would have revealed that the 'Fair Dealing Clause', or section 29 of the Copyright Act of Canada, exempts news reporting, aka media, from any obligation to seek permission to use copyright protected materials in their reporting if their actions are relevant.

Recalls and corporate policy corrections happen regularly in virtually every ethical Canadian company, and not only when it becomes known that the corporation faces possible liability for errors made in the production of their products, or there is potential harm to customers. We received this notice about Naloxone due to our direct boots-on-the-ground street outreach charity work with the unsheltered community in Barrie, to whom we distribute Naloxone when providing essential food, clothing, and tools of survival like tents and sleeping bags.

A recall is an example of ethical corporate response.

Naloxone is used mostly to counter the overdosing effects of street level opioids, so it is not very likely that civil liability was their biggest concern. This is especially true as the issue was an error in the written card about dosage, and not concerns about the product itself. It was also not likely life threatening, as the product is used the same way on every person no matter what their body size, gender, etc. So, if the manufacturer of the pharmaceutical was not ethical, they likely could have ignored the error and just hoped the issue went away.

That negligence is what HomeEquity Bank has displayed throughout the past two years regarding the loan sharking of their senior and veteran clientele.

A couple of days ago, we were split testing our search engine optimization and were delighted to see that a Google search for "Mortgage Fraud Canada"brought up our website on page one. This enables us to better warn potential victims of the lies, manipulation and loan sharking by the brokers of Verico the Mortgage Station, and the negligence and lack of customer protections demonstrated by Verico Financial Group Inc. and HomeEquity Bank. Then we noticed that the discovery of the search was not related to one of our older, more well-established pages, but was linked to "Going National with expose Documentary About Loan Sharking at Verico the Mortgage Station" which was uploaded just four days previous.

We are editing those videos now and will soon be boosting them to Canada's most populated regions.

Our story was the third post on page one, appearing after a two-year-old story by the CBC, and a year-old YouTube video called 'Mortgage Fraud in Canada'. So, we were quite happy with our results, especially since that article had been online for only four days. Our link also referred to other relevant links within our ongoing presentation of the truth of this story of usury and criminal collaboration.

The tactic used by the loan sharks and their allies has been to hide, but now exposure is unavoidable.

In both of those online reports, the journalists focused on mortgage fraud as committed by the customer. Our story exposes mortgage fraud as committed through loan sharking by the brokers, and criminal colaboration by the head office of a brokerage chain and a Schedule 1 Canadian Chartered Bank. Then added to our mix is the abusive 'investigation' undertaken by the South Simcoe Police Service, who were 'motivated' to ignore the crime for a full year, then to move only after a public letter was sent to the Innisfil Mayor and Council, to then only speak with the accused and not the victim, and then to omit key evidence and to falsified figures to provide a pass to the multi-million-dollar brokerage.

It is said that the brave take the path less travelled, and in this story, the worn trail of cowardice, complacency, and criminal collaboration is proving to be a fool's footpath taken by the brokers of Verico the Mortgage Station, the management team of Verico Financial Group Inc., and the board of directors of HomeEquity Bank. A couple of years ago, David Flude, the Principal Broker of a small mortgage brokerage, chose to embrace the philosophy of 'if we ignore it, the truth will go away' and like lemmings, those above him on the financial food chain snapped on blinders and have refused to listen to the facts or review the evidence.

Now they are locked in a rut of self-delusion as the truth of their criminal and ethical offences spreads.

The truth is what it is and there is no way to permanently ignore it, especially when the spotlight of media is beaming out the facts to a growing list of competing businesses and tomorrow's lost customers. People see that the brokers of Verico the Mortgage Station have lied repeatedly, and that the management teams of Verico Financial Group Inc. and HomeEquity Bank are blindly following their lead. That is why, for more than two years, despite their pathetic huff, and bluff these 'ethical financial professionals' have done NOTHING to stop us from telling this story, the articles and videos of which are being read and watched across Canada.

This pattern of visits has, during the past few weeks, become very common as more people find our website, read something that makes them angry or disgusted, and they share it with their friends and families, and in many cases, on their business profiles of social media. We can only guess how many potential victims they warn. For those who can't make out the text, it reads as follows:

"This log entry may indicate that a Facebook user has shared a link from your website with another Facebook user. Facebook downloads some images and details from your site, such as the title of the webpage or a video to provide to the other person who received your link."

We know these personal and business posts work, because for the next few days or weeks we are visited by a slew of people from the area of the post.

This social media share is on Facebook, but we have seen other similar advisories from X, Instagram, LinkedIn, YouTube, Reddit, and a few of the lesser social media platforms. The LinkedIn shares are on the rise, meaning more business owners are taking our reporting seriously now that we are two years into this story without being legally or even personally challenged by anybody at Verico the Mortgage Station, Verico Financial Group Inc., or HomeEquity Bank. That's a long time for a Schedule 1 Canadian Chartered Bank that is a division of a quarter-trillion-dollar corporate empire to stay in hiding while being accused of collaborating with loan sharks by a not-for-profit, social enterprise that has for the past ten years donated all its services to every charity, not-for-profit, and benevolent community group.

What could we possibly have that is strong enough to keep their army of lawyers chained in their kennels?

Today, July 20, 2024, the Teddy bears of South Simcoe will once again be marching to the beat of fun, as children from across the region play, dance, parade with their stuffed buddies, and have a great day with their families and new friends. We are showing this because videos like this one, which we produced about the first picnic held two years ago, is exactly the kind of service that we donated to every charity, not-for-profit, and benevolent group that asked, but which we can no longer provide due to the actions of the brokers of Verico the Mortgage Station, and because of the decisions by their allies at Verico Financial Group Inc. and HomeEquity Bank who have covered for their crimes these past two years.

Our services save memories for the children and parents and enable long distance grandparents to be part of the fun, while also promoting the charity. Regardless, it was evidently more important for Renee Dadswell to line her pockets with money skimmed through loan sharking, for which Lisa Purchase needed to set up the mark, which drained resources from our not-for-profit social enterprise that charged nothing to charities, not-for-profits, and benevolent community groups.

The borderline criminal attitude demonstrated so far by Katherine Dudtschak, the supposedly ethical new CEO and President of HomeEquity Bank, as demonstrated by her decision to perpetuate a policy of protection for the loan sharks of Verico the Mortgage Station, has inspired us to take this story across Canada.

That is, after all, where our documentary will be seen on broadcast television and streaming services.

Nobody with the courage to identify themselves has denied our evidence, which proves the brokers of Verico the Mortgage Station defrauded a senior, veteran, and philanthropist who was signing up for a CHIP Reverse Mortgage that was being sold on behalf of HomeEquity Bank. In fact, neither has ever replied to our allegations or irrefutable evidence. On their website, the HomeEquity Bank claims to have a thorough process of investigating complaints, but when this truth came to light, that a licensed broker had committed the indictable offence of loan sharking, which carries upon conviction a prison sentence of up to five years, they metaphorically locked the doors, shuttered the windows, and hid under their desks.

We have heard about some of the stories being told by the brokers of Verico the Mortgage Station to 'explain' to prospective clients, and to the apparently naïve new President and CEO of HomeEquity Bank, about the 'sinister' motivation of our expose documentary. Deception is also apparently being used to denounce, without evidence, our fully supported allegations of loan sharking, deception, and pathological levels of lying. We have also been told that the lies flow freely when 'clarifying' that we are 'not' altruists or philanthropists, and when 'revealing' how 'little' we have donated to our community charities, not-for-profits, and benevolent community groups, regardless of that all too real nomination and vote to the highest level for an award for altruism presented by the City of Barrie and the Barrie Chamber of Commerce. Who sinks that low, but refuses to say it in court?

It is little wonder that Katherine Dudtschak seems so confused about who are the bad guys.

This video was published on January 21, 2020, ten days before the World Health Organization declared the COVID pandemic to be a public health emergency.

We don't have a 'standard' visitor on this website, as some fly by, skimming the basics, and others spend hours reading every page of interest to them and viewing multiple videos. However, we do see patterns and this is one of the most common. Last night, this visitor from Innisfil came to our website directly from Google, where our articles and videos are prominent. They went straight to the homepage where the story synopsis is once again published, and they spent about fifteen minutes reading our story. This is about average for reading the full article. Then they went directly to our 'Who We Are' page to confirm the authenticity of our status as media, and then went away, apparently satisfied. Fifty-five minutes later, they were back on the the homepage, most likely to show their spouse or partner.

We see this pattern several times most days.

We think that David Flude has convinced himself, most likely out of desperation, to believe that nobody is following this story. Sadly, he appears to have convinced others like Katherine Dudtschak, the new President and CEO at HomeEquity Bank to blindly believe in such vacuous delusions. We feel obligated to remind him and advise those who are believing the stories on faith, of the email conversation between David Flude and a potential client named Elizabeth, who had written to the Principal Broker after being referred by a friend, but who then discovered our reports and videos, and chose instead to evade potential deception and fraud.

As we noted yesterday, David Flude and the brokers of Verico the Mortgage Station, along with their allies at Verico Financial Group Inc. and HomeEquity Bank seemed to be working under the impression that if they hide from reality we will go away. Apparently, last night they changed their tactics, once again, as although they will likely claim they are not working together, representatives of two out of the three main collaborating corporations suddenly dropped by last night, one quite late.

Then we had multiple hidden visitors overnight, evidently playing catch-up of what they missed.

We have no reason to stop reporting on this story, and we won't be doing so. The brokers of Verico the Mortgage Station have not conceded their guilt or even offered to return the remainder of the money they stole by usury and deliberate deception. Verico Financial Group Inc. has also not accepted responsibility for their negligence and lack of professional care for their clients. Although new to this story, Katherine Dudtschak, the new President and CEO of HomeEquity Bank has twice ignored our correspondence and her responsibility to this abuse of the law and ethics by a brokerage we have no reason to believe her bank has taken any action against. Then of course there is the growing budget that will ensure we get to present our expose documentary to all of Canada, and indeed the world, through broadcast television and streaming services.

Throughout the past few days, each and every one of the criminals and collaborators who have been exposed through our fully supported reporting have conspicuously all suddenly stopped reviewing updates on this website. Apparently, once again, they are falling back on the repeatedly tried and consistently failed tactic of hiding under the covers like children trying to evade the monsters of their own creation by believing that 'If I can't see you, you can't see me.'

This 'tactic' of denial has been tried many times, and two years later we are still here, stronger than ever.

What these 'financial professionals' do not seem to perceive is that their denial does not stop others finding and reading the reports on our website or viewing the videos and learning the truth. It also does not stop them seeing our headlines and video titles in the search engine results, which we are told cause most potential victims to simply steer clear of these cowardly corrupt corporations. People understand that multi-million and multi-billion-dollar corporations that have done no wrong do not hide from a small, not-for-profit, social enterprise community media service that donates all its services to charities, not-for-profits, and benevolent community groups, and which was nominated and voted to the highest levels by the City of Barrie business community for an award for altruism.

We know it is purely coincidence, but today two copies of this email dropped into our inbox, just four days after we posted our follow up letter to Katherine Dudtschak in which we advised her that we are filing a human rights complaint against Verico the Mortgage Station, Verico Financial Group Inc., HomeEquity Bank, and likely the South Simcoe Police Service. The complaint will be filed with the Human Rights Commission regarding the loan sharking committed by Renee Dadswell with the help of her broker colleagues at Verico the Mortgage Station, and also the criminal level of cover up undertaken by Verico Financial Group Inc., HomeEquity Bank, and the South Simcoe Police Service, where 'motivated' detectives omitted evidence and falsified formulas to fabricate a get out of jail free card for the multi-million-dollar brokers, who have friends like the multi-billion-dollar HomeEquity Bank, that is owned by the quarter-trillion-dollar Ontario Teachers' Pension Plan (OTPP).

'Elder Abuse & Neglect' is defined as 'the physical, psychosocial or financial mistreatment of a senior.'

We will post the complaint here as a downloadable search engine optimized PDF. That digital format is often easier to find through searches than web pages, and they are easily shared by competitors and concerned citizens, including those who are part of seniors groups like the Canadian Association of Retired Persons.

We are now walking the path that would be taken by any investigative journalist seeking to learn the truth about unethical lending practices and collaborative corruption within the mortgage industry. It is also the path of denial and obstruction that would have to be followed by any senior with a complaint regarding being defrauded, which is why we are producing this expose documentary. So far, we have worked our way up from the minions to their management, to the money managers, and now to their masters, and we are learning new details and picking up allies along the way.

Nobody hides for more than two years if they have done nothing wrong.

There is no viable reason why the six-billion-dollar HomeEquity Bank, which is owned by the quarter-trillion-dollar Ontario Teachers' Pension Plan (OTPP), would for two full years support a small town, backcountry brokerage where the brokers had committed the indictable offence of usury, or loan sharking against a senior and veteran client of HomeEquity Bank. There is also no logic to them ignoring the reality that those brokers will not contest the allegations or challenge the evidence of a small, not-for-profit, social enterprise, community media service that donates all services to charities, not-for-profits, and benevolent community groups.

When Katherine Dudtschak was hired as President and CEO of HomeEquity Bank, replacing the retiring Steven Ranson, a twenty-seven-year veteran of those positions, she did so with a flare and style of her own, and the promise that the bank that caters to seniors might just have a reboot of ethics coming its way.

However, what seems to have happened is capitulation, as she has lined up with the fellas to continue covering for brokers that defraud seniors.

About a month ago we wrote to Ms. Dudtschak seeking to interview her regarding the actions of the HomeEquity Bank, where she sits in the highest chair and is accountable for the dealings of the institution. The buck should stop with her.

She ignored that email, and apparently chose instead to join the ranks of those at HomeEquity Bank who protect loan sharks that defraud seniors.

Sadly, her lofty position means she has also inherited our expose documentary about banking fraud in Canada, which focuses heavily on the HomeEquity Bank, which protected the brokers at Verico the Mortgage Station who committed fraud by usury, or loan sharking, which they have never challenged or contested in court.

Last night, we received an email of most unexpected origin, as anybody who knows us is aware that neither our Producer nor any member of our team are church goers, nor in any way religious. In fact, we frequently post memes and videos promoting the importance of science, and we identify openly as humanists. Due mostly to our altruism, Christians often assume that we are part of their faith.

Regardless of our differing ideologies, this clearly devout Christian and church leader sees the truth of our reports and videos, and they want to help.

We have not posted any of the correspondence we have received throughout the past few months, mostly out of respect for the wishes of the writers, who have asked that we maintain their anonymity out of respect for their safety. That is understandable now that we have taken our story up a few notches; first directly to HomeEquity Bank, the multi-billion-dollar seniors-focused provider of the CHIP Reverse Mortgage that allied itself to the loan sharks at Verico the Mortgage Station, and now to Jo Taylor, the President and CEO of the Ontario Teachers' Pension Plan (OTPP), to whom we now have a direct line of communications.

For some, that kind of economic power is scary, but to us, they are simply thieves who are clearly too afraid to defend their criminal and ethical abuses of trust.

The email from our newly identified friend reads as follows:

I am sending you a meme I saw today that reminded me to contact you. You and your team are amazing. I understand there is a personal side to the fight with the loan sharks but you have taken a bad thing that happened to you and turned it into something good by warning others. I feel God is smiling on you and I hope that you feel his power. I want to help your efforts by donating to your program to help the homeless people rebuilding lives in your home. I don't know anybody who has ever done such a thing. You and your group are doing the work of Saints. Please let me know how I can send a check or etransfer. I am a senior member of the XXXXXXXXX Parish and I would like to carry a short telling of your story as a feature in our Ontario Congregational Newsletters and websites. Would you want to write that or can we edit content based on your website writings?

David Flude, the Principal Broker at Verico the Mortgage Station, tried and failed to scam a prospective new client named Elizabeth by lying to her about our Producer , and why we are making this expose documentary about mortgage fraud in Canada. She had found our reports and videos through Google while researching the brokerage, as have so many others, and her intent originally had been to discuss securing a mortgage of $800,000.00, which would have earned approximately $8,000.00 in commission for the brokerage. Naturally, she was concerned about our fully supported allegations of usury, or loan sharking. During their emailed conversation, David Flude made multiple fraudulent claims about the philanthropist who was defrauded by usury, or loan sharking, by the brokers at Verico the Mortgage Station: "The info you and everyone else can see is from a repeat serial agitator. He has been to court numerous times against neighbours, local politicians . . . There is nothing aside from a severely disgruntled individual."

Our well-established track record of philanthropy and altruism says something very different.

This Facebook post originated on a page we created to promote our production facilities and dual studios that we share with our commercial video production services. Recently, we started using it to report about a plan by our team to house five homeless or almost unsheltered people who are now utilizing the safety of our studios to advance their lives and crawl out of the never-ending spiral of poverty, which results in life without shelter and a total lack of food security.

In what world are those the actions of an 'agitator' or a 'severely disgruntled individual'?

When it was shared to our Five Points Media page, the post drew dozens of positive emoji responses, and comments like 'You are a very kind man' and 'Kudos for your big heart'. Regardless, David Flude and his brokers are determined to villainize the philanthropists who actively assist the homeless with food and the necessities of life through street outreach, and who have donated more than $700,000.00 in services through the donation of more than 350 fundraising and community outreach videos to greater than 180 charities, not-for-profits, and benevolent community groups. That dedication to our community was recognized by the City of Barrie and the Barrie Chamber of Commerce when our Producers were nominated and voted to the highest levels for an award for altruism.

There is a formula to effective search engine optimization, and our new system seems to be quite the digital chemist. Page one rankings come from a variety of components, including effective use of key words, page code optimization, the number of external and internal links, frequency of updates, and most importantly, the level of traffic or number of people visiting the website.

You cannot make it to the top of the search engines if your website is not attracting a lot of visitors.

We have been told that one of the earliest claims made by the brokers at Verico the Mortgage Station was that nobody was reading our website. That unsupported lie might have been at least part of the reason why 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, went along for the ride, believing there was no risk of exposure to them or their companies. As we noted in our article 'Momentum Multiplying as The Truth Spreads - Verico the Mortgage Station', which we backed up with evidence in the form of a scan of the relevant email, our hosting company has notified us six times in as many months that we needed to double our bandwidth due to rapidly increasing traffic.

That means an increase of thirty-two times our original level of traffic, and in six more months, that will represent a multiplication of 204,800 times, etc.

Search engine results like this are important to our primary purpose of warning potentially vulnerable seniors, as the results help ensure that we are reaching the exact people who have a right to know of the dangers of dealing with the brokers at Verico the Mortgage Station, or their allies at Verico Financial Group Inc. and HomeEquity Bank. If you were moving your family up to Simcoe County from Toronto, and you did not know about any of the services in that new region, you would research and filter out the bad ones by checking on reviews, social media, complaints, investigations, criminal allegations, and local media reports.

Yesterday, our crew enjoyed a long and hard-earned sigh of relief as we called it a wrap on a significant commercial project. Although necessary for cashflow, that series of videos had diverted us from this important ongoing project about mortgage fraud in Canada. Now we can spend much more time warning local seniors of the threat of doing business with the brokers at Verico the Mortgage Station, while educating all mortgage buyers across our country about what to expect in the way of 'support' from Verico Financial Group Inc. and HomeEquity Bank should their broker defraud them, or charge usury levels of interest against them, or commit any other crime while working as a 'trusted financial professional'.

More people are on social media this time of year, so that is where we will be directing our focus.

Our attention now will be on outputting more videos explaining the story and boosting them on social media. We will then continue that throughout the autumn and winter, with the goal being to attract more people to this website who can benefit from knowing the details of our uncontested story of loan sharking and con artistry undertaken by the brokers at Verico the Mortgage Station, who were not investigated, but in truth protected, by the boards of directors of Verico Financial Group Inc. and HomeEquity Bank

We received a message yesterday from a self-identified 'frequent visitor' to our website who asked, "Your story is interesting and clearly supported so why is it not on mainstream?". The answer is simple and two-fold. First, we have been contacted by several corporate network media sources, but we have declined them the ability to steal our story or to misrepresent the facts. One right-wing US network wanted to do a feature piece, but their reputation is abhorrent, and we did not want to sully our reputation through association. Second, we frankly don't trust any of them as they are all corporate, and as we have seen through the morally corrupt actions of the brokers of Verico the Mortgage Station, the management team of Verico Financial Group Inc., and the board of directors of HomeEquity Bank, selfish is as corporate does.

On one side, you have the Ontario Teachers' Pension Plan valued at C$241.6 billion, and on the other a small, not-for-profit community media channel.

Regardless of the David and Goliath nature of this story, we have been reporting without interruption for more than two years. No identifiable person has contested our claims or our evidence, and no court action has been served to stop us through the threat of a judgement of costs or by a demand for injunctive relief. We have had some huff, puff, and bluff sent to us through a generic email by somebody hiding behind anonymity, but based on our open and legally supported reply, none of these multi-million and multi-billion-dollar companies have mustered the courage to take legal action against our small, not-for-profit, community media service that donates all services to local charities, not-for-profits, and benevolent community groups. If we were lying, the result in court would be extremely one sided; however, we have the receipts for what we say which is what is causing them to keep their lawyers on a leash for fear of attracting more media coverage. As one potential client wrote in an email to David Flude: (full email)

People know who the snakes are in this story. However, those who defrauded a senior and veteran, and committed the indictable offence of usury, or loan sharking, and 'motivated' a detective to omit key evidence and falsify figures to conceal their crimes; well, they are still feigning innocence, anonymously, lying about the philanthropist who they defrauded, professing innocence but refusing to prove it, covering for criminal and unethical activity, and working to hide their crimes through censorship, all while hiding from their responsibilities to a client.

So, now we are rolling the dice on a game of corporate snakes and ladders.

When we realised we had been victimized by usury, or loan sharking, we tried to deal with David Flude, the Principal Broker at Verico the Mortgage Station. However, he told us clearly to get lost by lying six times in two emails (Email 1) (Email 2) so he and his brokers could evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA). Then he refused to meet with the victim of the fraud, even after confirming that doing so was a 'regulatory requirement' of his license as a mortgage broker in Ontario.

It was clear that as the guilty were collaborating, we needed to work our way up the ladder.

Yesterday, our Producer , a well-known and highly respected philanthropist within our community, met with a long-term friend who, after close to thirty years of service had retired this year from teaching. Our friend had worked with our crew on several charitable community projects before the pandemic. The friend, who we will not in any way identify, is also what David Flude would fraudulently describe as an 'agitator', as sometimes when you are helping those in the greatest need, you have to rock the boat of complacency. Each collaboration resulted in successfully raising awareness and funds for various charitable and community organizations, and our friend has continued to follow our work. That loyalty includes the story of loan sharking by the brokers at Verico the Mortgage Station and the coverup attempts by Verico Financial Group Inc. and HomeEquity Bank.

That was when our friend connected the dots to the Ontario Teachers' Pension Plan (OTPP).

On July 4, 2022, the Ontario Teachers' Pension Plan (OTPP), acquired HomeEquity Bank. That 5.7 billon dollar asset, HOMEQ Corporation ("HomeQ"), the parent company of HomeEquity Bank, transferred from Birch Hill Equity Partners Management Inc. ("Birch Hill"). Not surprisingly, the HomeEquity Bank, is only a drop in the bucket of the OTPP's reported net assets of C$241.6 billion.

This morning, we ran as part of our search engine optimization a test of random words associated with our story. The choice of words is decided by the software, based on a scan of the content. Then it runs what is called split testing of our website against those of Verico the Mortgage Station, Verico Financial Group Inc., and HomeEquity Bank, and also the names of each key figure in our story. The brokers of Verico the Mortgage Station and their allies at Verico Financial Group Inc. and HomeEquity Bank can hide from their respective criminal abuses and ethical shortcomings, but they cannot evade our fully supported public allegations.

This Google result shows how well that tactic is working for them, two years after they started hiding.

We are genuinely surprised and a bit disheartened that Katherine Dudtschak, who has spent so much time building a reputation for charity and community, is now connected by Google and the other search engines so firmly to our story of fraud, loan sharking, and unethical avoidance of regulatory requirements that inputting 'Katherine Dudtschak altruist' results in our letter to her, written less than a month ago, connecting her good work to our story of crime and abuses of trust by others.

We know the loan sharks will blame us for this, but all we have ever done is report on their criminal actions.

We want to say clearly and decisively that Katherine Dudtschak is new to this story, and as far as we are aware, she has done no harm. We have never said anything negative about her, and unless we are given cause, we never will. She has chosen not to respond to our letter of June 11, 2024, which is her right. We have also not been advised of any policy changes regarding protection for seniors from abusive acts like loan sharking; however, we do fully acknowledge that it is only the first week of her tenure as both President and CEO of HomeEquity Bank.

One thing we have not been able to figure out from day one of this story, more than two years ago, is why the management teams at Verico Financial Group Inc. and HomeEquity Bank initially chose to support the loan sharks, and of course now, why they continue to do so. To the best of our knowledge, the only person who made any money from committing the crime of usury was Renee Dadswell, and she certainly did not earn enough to justify the fully supported, uncontested, public allegations we have made against all three companies that they are clearly too fearful to contest in court. It would have been infinitely wiser for everybody if two years ago David Flude had instructed his broker to pay back what she skimmed, instead of trying to justify her crimes, and for W. Mark Squire and Yvonne Ziomecki-Fisher to have investigated the brokerage for other potential issues of trust, especially regarding seniors.

Back then, that would have been the end of it.

There was no website or expose documentary, nor a budget to produce it. All they had to deal with two years ago was minor damage control for having committed an indictable offence that warrants a prison sentence of up to five years. What possible logic could compel them to escalate the effect of their crimes, unless their goal is to decrease their sales further every day as more people find the now 95 pages of search engine optimized written content and 30+ videos?

Are the knives coming out now that somebody must be blamed? After two full years of hiding and denial, will David Flude the Principal Broker at Verico the Mortgage Station be forced to admit he knowingly allowed his brokers to defraud senior and veteran clientele who were buying a CHIP Reverse Mortgage from HomeEquity Bank? Will W. Mark Squire, President and CEO of Verico Financial Group Inc., be able to excuse his refusal to investigate fully supported allegations of fraud by usury that he knew were being committed by brokers working under the flag of Verico Financial Group Inc.? Will HomeEquity Bank finally act honourably?

Or will this be like a financial and banking industry slasher movie with every corporation for itself?

Apparently, Steven Ranson, the outgoing President and CEO of HomeEquity Bank, chose to turn a blind eye to the criminal activity that was without question his bank's responsibility to investigate. He evidently knew he was retiring, and that the crimes committed in the service of the Schedule 1 Canadian Chartered Bank would one day become somebody else's problem. The recipient of that gift was Katherine Dudtschak, the newly posted President and CEO, and given her reputation for charitable and humanitarian causes, it seems unlikely that this apparent socially responsible professional would be willing, or indeed ethically able, to maintain the status quo by letting the crimes slide in the hopes that one day we would just go away. We say good luck with that pipe dream.

It seems that our educated guess about a pending judgement (June 27, 2024, on the Latest News page 'It Might Just Be That Judgement Is Pending - Verico the Mortgage Station) might have been right on the money, because Thursday night and all day yesterday, our traffic was the busiest we have seen in several weeks. During the wee hours of the morning, during the hours of 2:00, 3:00, and 5:00, one, or possibly two, insomniac visitor(s) viewed more than 140 pages on both this stand-alone domain and our website for Five Points Media. The final totals, as of midnight last night, were 97 visits to the Five Points Media page and 102 look-sees of this stand-alone domain.

Research was clearly the intent of the visit.

To be fair, about thirty of those visits, at least on the stand-alone domain, were the result of redirects, as the visitor checked out the now non-indexed version of several of the stories still hosted on the Five Points Media website that redirected them through coding to the appropriate new domain address. They also seemed to be checking out those pages from a Google search, which they did from the privacy of hiding behind a proxy server and pretending to be visiting us from all over the United States and Europe, so we cannot conclusively confirm who they were.

We freely admit this is an educated guess, but it is based on the analysis of our visitor logs that have changed over time since about a month ago, when Katherine Dudtschak was appointed President of HomeEquity Bank. Effective July 1, 2024, she will also take on the role of CEO, making her the highest authority for the bank.

Her resume reads like that of a true a humanitarian.

If that is a factual reflection of her true self, it seems unlikely Katherine Dudtschak will support loan sharks who cheat seniors. No person who holds a position on the Board of Trustees of United Way Greater Toronto, or Jack.org, and especially the Museum of Human Rights, would be able to allow this fraud to continue.

It seems likely that somebody's posterior has been, or is about to be, dragged up on the carpet.

It must be with increasing difficult that the brokers at Verico the Mortgage Station maintain the flow of lies working their way up the food chain. They never expected their victim would be reporting on this story two full years after they committed the crimes and breaches of trust, and now, far too many people know that the 'agitator' caricature created by David Flude while lying to a prospective client, is in fact a highly respected philanthropist who has donated more than $700,000.00 in services to any charity, not-for-profit, and benevolent group that was in need of help.

During the past few weeks, our pages have become like the reporting of a news event that is happening in your own town. People don't stop for long periods to see if they can learn everything that happened, but instead, they scan the headlines to get the gist, which is very common for online browsing. Skimming is now much more common than actual reading, which is why it is so important that our stories, videos, and pages have interesting titles. The page in this search, entitled 'Verico the Mortgage Station - Incompetence or Negligence?' is by far the most frequent first page visited, both on the Five Points Media website, and here on the dedicated domain for the story. It is also the launching point for more invested visitors who want to read the details of the shame of their colleagues or competitors.

The reason is people see 'Mortgage', a huge personal investment, and also 'Incompetence' and 'Negligence'.

Those looking for a mortgage do not need to read the articles to understand that no sane person would claim such a thing without evidence, and that as the article is more than two years old, they can accept it as authentic. It takes less than a second to swipe left on the option of working with supposedly 'professional' brokers who are 'incompetent' or 'negligent'. Also, who wants to do business with a company that cannot or will not defend their own reputation or those of other companies that are so publicly linked to their criminal and ethical abuses of trust?

Reassuring customers is why Tylenol took mere minutes to order a recall, and why Hollywood disavowed Danny Masterson after public allegations.

We have been asked why we are writing so much content and so frequently, and the answer is simply to provide the search engines with the greatest number of link options to optimize our search engine results. Our goal is to warn potentially vulnerable seniors of the lies, manipulation and loan sharking used by the brokers at Verico the Mortgage Station to separate grandma and grandpa from their pensions and hard-earned retirement savings.

It is the pinnacle of cowardice to break the law by stealing from your trusting client, and then to breach your ethics by refusing to abide by the regulatory requirements that compel you to meet with them, and then to hide from your responsibilities for more than two years. It is also embarrassing to everybody when the exposed thieves try to threaten their victim, but then turn and run away when their target of bullying not only holds their ground, but publicly exposes the true nature of cowardice behind the grandiose but vacuous threats. Remember, this is a story of three multi-million and multi-billion-dollar corporations being afraid to challenge a small, not-for-profit, social enterprise, community media service.

How much longer will their billion-dollar buddies wallow in the muck to support obvious criminals?

Throughout the past few weeks, we have had hundreds of strangers wandering through our online digital residences, plodding along like a pack of blind moles clawing the grass for grubs. They are there, day and night, lurking in the darkness, peeking through our windows, evidently looking for some key they think they can use to coerce us to just let them get away with their indictable offences and multiple breaches of trust. The constant nature of these visits would suggest that they are hopeful to find something . . . anything . . . before somebody who has been their ally takes long overdue action to protect their own future best interests.

It is said in the military that 'no foxhole is deep enough when the enemy is throwing nukes'. That applies now to this story as the brokers at Verico the Mortgage Station and their allies at Verico Financial Group Inc. and HomeEquity Bank keep popping up in the search engines like a game of Whac-A-Mole, and Google does not discern the guilty from those who are merely associated with the crimes by their employer.

Some people dream of becoming famous, but most don't want to be known as crooks who cheat seniors.

Custom coding, undertaken by our programming intern, and newly acquired advanced SEO tools keep causing our story to pop up in the most interesting places. Last night, our Producer Googled "mortgage fraud Canada" and even he was surprised to see our story pop up at positions three and four on page one of the world's most used research utility.

There is little wonder that so many mainstream media services have visited recently.

Two years ago, David Flude chose to ignore the crimes of one of his broker Renee Dadswell, after she defrauded a senior and veteran through loan sharking with the assistance of her colleague Lisa Purchase. The Principal Broker at Verico the Mortgage Station promised to meet his defrauded client multiple times, but then stalled by lying six times in two emails (Email 1) (Email 2), before reneging on the meeting that he knew would have resulted in an investigation by the Financial Services Regulatory Authority of Ontario (FSRA). In his final demeaning email, David Flude confessed that his broker had defrauded the client of his brokerage but tried to claim that the loan, on which his broker charged 198.25% interest, was some kind of a favour. Then, when the crime was reported first to W. Mark Squire, President and Chief Operating Officer, Verico Financial Group Inc. and then Yvonne Ziomecki-Fisher, Executive Vice President Marketing and Sales of HomeEquity Bank, both supposedly accountable executives of professed 'professional financial' corporations turned their backs on their mutual client and backed the loan sharks.

One of the most dangerous issues when dealing with an egocentric person, such as a narcissist or a pathological liar, is that they see nothing wrong with ANYTHING they do, and they have no issue with dragging innocent others into their criminal and ethical abuses and then 'throwing them under the bus' to save themselves.

Katherine Dudtschak, the new President and pending CEO of HomeEquity Bank, is now firmly linked by Google to loan sharking and other criminal and ethical breaches of trust, which makes us ask if she is next in line to be 'run over' by the loan sharks of Lefroy.

Donald Trump has been assessed by hundreds of psychologists to be both a narcissist and a pathological liar, and he has repeatedly stepped aside in his own best interests to watch about a dozen of his most loyal sycophants crash and burn in every criminal or civil court that has reviewed the evidence of how they "acted in coordination and at the direction of individual one". Then there are the thousands of convicts who were for the most part productive members of society before being used as cannon fodder in Trump's attempted coup d'état at Capitol Hill on January 6, 2021.

Narcissists and pathological liars can draw others to them and convince their minions to follow a path of self-destruction.

After two years of hiding, the uncontested and confessed crimes of one mortgage broker have managed to drag colleagues, otherwise not associated multi-million and multi-billion-dollar corporations, and even the easily 'motivated' South Simcoe Police Service into a cesspool of onging and growing exposure that none of them will face, nor take action to defend against our allegations, and now they don't know how to escape.

We would like to take this opportunity to congratulate David Flude, Renee Dadswell, and Lisa Purchase, 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, for turning what could have been a quietly dealt with purported 'error', into a two year long, very public, online battle that we know from the emails of potential clients and their own written statements has cost them all a hell of a lot of potential income. It also appears obvious that dozens of lawyers have refused to represent them, either individually or collectively, based on their decision to follow a long road to self-delusion, which is 100% owned by them. That seems to be why; despite threatening to do so, they are clearly terrified to file civil action against us.

Our courts are the arbiters of truth, and their rulings are based on evidence, which we are holding.

Today, June 18, 2024, marks the second anniversary, yes two full years, since these provincially licensed, entrusted 'financial professionals' collective scurried into a dark corner and started the long and obvious self-harming sulk of denial.

On June 12, 2024, we posted on this 'Latest News' page a true copy of an email from our Internet hosting company, in which we were advised that we had once again exceeded our bandwidth limitations. Upon examination of our cPanel, it became clear that essentially all the increased traffic was creditable to the website at www.themortgagestation.tv.

That email was the sixth of it's kind since we moved this story to a dedicated domain in January of 2024.

Once again, as we have done each time we were notified of similar levels of unbridled interest, we doubled the available bandwidth to accommodate the increasing quantity of visitors. For those who did not major in math related studies, those numbers mean we have doubled our traffic every month for the first half of the year, updating our bandwidth on an exponential curve, which represents . . .

. . . an increase of thirty-two times our original level of traffic, and in six more months that will be by a factor of 204,800 times, and in another year 1,307,200, etc.

Keep in mind, we started recording this data only after we had been advised of the first request to increase our bandwidth, which was in January of 2024. Also, that request was made of us after we had been actively updating this story for six months, which we started doing a full year after posting our first articles. We also had an established following due to having posted multiple pages and videos on our Five Points Media domain, which has a respectable following as a not-for-profit, social enterprise, community media service that donates all services to local charities, not-for-profits, and benevolent community groups. Keep in mind, those numbers above are not how many people visited, but how many more multiples of people are returning to or finding our stories for the first time each month, which is causing us to need to perpetually increase our bandwidth by a factor of two.

We must sadly admit that last night we missed a potentially huge opportunity. However, during the summer of 2024, that door will open again, several times, and during a period when our work will be of serious interest to the very people we most want to reach.

A few days ago, our Producer, John, was asked as media to cover a protest being held at City Hall.

Such requests are becoming common again, as word is spreading that due to the budget for our documentary about Mortgage Fraud in Canada, Five Points Media is able to return to serving the community, despite the actions of the brokers of Verico the Mortgage Station who due to their fraudulent tactics almost shut down our benevolent community service, while the respective boards of directors of Verico Financial Group Inc. and HomeEquity Bank, turned a blind eye to usury, or loan sharking, as undertaken against a senior and veteran.

The first thing he noticed upon arrival was that the average age of the protesters was fifty-plus-years-old.

Our community knows us as the local not-for-profit media service that has donated more than $700,000.00 in services through the fully privately subsidized production and gifting of more than 350 fundraising and educational videos to greater than 180 local charities, not-for-profits, and benevolent community groups.

Once again, we received notification today that we had, for the sixth time in as many months, exceeded the allowable bandwidth for our various websites. Our hosting is grouped under a common domain called onlinepromotions.biz, but according to the cPanel reports, about 75% of our monthly access to the internet was used to visit themortgagestation.tv, our commercial services used only 5% of available online access, and about 20% went to Five Points Media, much of which was associated with the documentary as the pages continue to show prominently on Google even though they are no longer indexed for the general public and they serve only to forward visitors to corresponding pages on our dedicated website.

That seems fair since the budget for the documentary about mortgage fraud is paying for everything.

We do have to acknowledge that probably a quarter of our visitors are in some way associated with or hired by Verico the Mortgage Station, Verico Financial Group Inc., and/or HomeEquity Bank, as some days it is mind-boggling how much time and resources the loan sharks and/or their allies are committing to researching every, and we do mean EVERY, aspect of who we are and what they do.

Life is less stressful with a clean conscience.

The HomeEquity Bank, which caters to seniors seeking to remain in their homes, have been at the centre of this story since day one, as it was their CHIP Reverse Mortgage that was used by the brokers at Verico the Mortgage Station to coerce loan shark levels of interest and fees from our Producer . Under Steven Ranson, the well-established President and CEO, their management team, under the direction of Yvonne Ziomecki-Fisher, Executive Vice President, Marketing & Sales, did NOTHING to investigate the criminal acts or to protect the financial security of their client, a senior and veteran. Instead, they chose to ignore the evidence provided, mirroring the see-no-evil tactics of the 'motivated' detectives of the South Simcoe Police and the 'couldn't care less' councillors of Simcoe County Council. HomeEquity Bank refused to acknowledge the complaint which according to their own public propaganda should have been resolved pursuant to a structured process. In truth, the only action taken by HomeEquity Bank was to try to censor our reporting in a way that is not legal when dealing with media in Canada.

As a registered financial institution, the HomeEquity Bank had an obligation to investigate claims of fraud.

Earlier this year, it was announced that Steven Ranson was retiring, and shortly thereafter it became public that Katherine Dudtschak had been hired first as President, and as of July 1st, 2024, also CEO of HomeEquity Bank. Based on her extensive experience and her commitment to her community, we see Ms. Dudtschak, which according to multiple official posts can also be spelled 'Dudtschak', as potentially a bright light in a dark room. Not only does she sit on the Finance, Audit and Risk Committee of United Way, Toronto, and on the board of directors for Jack.org, but she is also an inspirational leader for youth within the transgender community, which we also very much support. The different spellings of her name might be due to her being a transwoman with a name that originates from Germany, where nouns can be masculine of feminine. That is speculative, but it is rooted in an experience-based understanding of foreign onomatology.

Nine days from now, Tuesday, June 18th, 2024, marks two years since we posted our first article about the how the brokers at Verico the Mortgage Station committed the crime of usury, or loan sharking, as a means of defrauding a client who is a senior, a veteran, and philanthropist who has helped hundreds of charities to raise money and educate the population. There is one very powerful reason why this website, that was created to support our documentary in production about Mortgage Fraud, is still here.

We are telling the truth, and we have the evidence.

The video is from the US network MSNBC, and it is about American law. As most people know, our neighbours to the south have much great autonomy when it comes to freedom of speech than is true in Canada. Section 2A of the Canadian Charter of Rights and Freedoms provides us with a right to express ourselves, but not in a way that is defamatory, slanderous, or libelous. Opinions about a person or company are also limited to what the creator can prove with evidence.

We wanted to take a minute to advise our loyal followers that we will be providing less in the way of new content this week and likely next, as our crew is busy working on multiple community projects that help and benefit those in the greatest need. Our newest video, in support of children fighting paediatric cancer, was released earlier this week.

We are also working on a new video for this expose documentary that is likely to be released next week.

We will be starting the week by reaching out to Katherine Dudtschak, the new President and pending CEO of HomeEquity Bank. It is our hope that she is more ethical and honourable than has been demonstrated by all of the various loan sharks, pathological liars, con-artists, and see-no-evil collaborators who are a very public yet non-responsive part of this story of defrauding seniors by usury, or loan sharking, and then covering it up and trying to hide the crime. In addition to having a very impressive resume of work in the financial sector, Ms. Dudtschak went out of her way to note in her company profile "She is a tireless community builder, having invested her volunteer efforts in the areas of human rights, mental health, immigration, poverty prevention, education and economic development. She currently sits on the boards of the United Way of Greater Toronto, the Canadian Museum for Human Rights and Jack.org."

As we have reported consistently throughout the past two years, the fraud by usury, and the actions taken by the brokers at Verico the Mortgage Station to set up our Producer for their abuse of trust, resulted in the near closure of our benevolent not-for-profit community media services that has donated more than $700,000.00 in services to our community, through the production of more than 350 videos for greater than 180 local charities, not-for-profits, and benevolent groups. That commitment to our community resulted in our team being 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 Commerce.

We recently learned of the growing public support within Simcoe County by those who follow our local content and support our reporting of this story.

A few weeks ago, on May 11, 2024, despite still being limited in funding due to the fraud committed by the brokers at Verico the Mortgage Station, our Producer chose to donate our professional production services and equipment to a local charity that helps the families of children stricken with cancer. This was not our first time working with these amazing people.

We had managed to support this very worthy charity every year, at least until the brokers at Verico the Mortgage Station defrauded us of our ability to do so.

What happened there surprised our Producer as he was approached by an older gentleman who he did not recognize who asked how the expose documentary was going. Then, as they talked, others joined in on the pre-event conversation, and John learned that three out of the eight people in the group knew about the loan sharking committed by the brokers at Verico the Mortgage Station, and the motivated omission of evidence and falsification of figures by the South Simcoe Police Service.

The only strategy used so far by the brokers at Verico the Mortgage Station and their allies at Verico Financial Group Inc. and HomeEquity Bank has been to run and hide, refusing to reply to the concerns of their shared client, and ignoring the crimes that were committed by provincially licensed entrusted 'professionals'.

Those are hardly the actions of the innocent.

The dishonesty becomes especially obvious when you consider that the brokers at Verico the Mortgage Station represent a multi-million-dollar a year corporation, and their friends at HomeEquity Bank boast nearly six billion dollars in assets. What secrets could be so damaging as to generate so much fear of discovery within these uber-wealthy businesses that they are afraid to challenge a small, not-for-profit, social enterprise, community media channel that donates almost all of its services?

Legitimate businesses stand up for themselves and protect their investment of time and sweat equity.

About six months ago, an anonymous agent, who claimed to be 'representing' the brokers at Verico the Mortgage Station, 'threatened' us with a reprehensible Strategic Litigation Against Public Participation (SLAPP) lawsuit if we did not stop telling the truth about this corrupt corporation. Our response made them scurry back into their dark little Gollum hole, never to be heard from again.

There was a time when their colleagues, clients, and financial backers believed the stories told by the brokers at Verico the Mortgage Station. However, our dedication to presenting the facts, to providing evidence, to cross linking the details of this story, and our refusal to yield to lies, deception, and vacuous threats of litigation have turned the tables.

Now the multi-million-dollar brokers and their multi-billion-dollar allies are being seen by most people as little more than liars who are covering for fraud.

It is also obvious from the hundreds of recent visits to our website, undertaken in a frantic fashion, that David Flude, Renee Dadswell, and Lisa Purchase, 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, know justice is pending despite their local influence with 'motivated' police and 'blind' politicians.

They chose the wrong target for their criminal and ethical breaches of trust, and they are now exposed.

In an email dated October 26, 2023, David Flude, the Principal Broker at Verico the Mortgage Station, lied multiple times to a prospective new client when he claimed the following about our Producer 'a repeat serial agitator' who 'has been to court numerous times against neighbours, local politicians' who was 'nothing aside from a severely disgruntled individual trying to promote his own business'.

A pathological liar lies five to six times a day, and David Flude did so six times in two emails.
(Email 1) (Email 2)

On May 09, 2024, we noted here on this Latest News page, that we have hired a graduating student in computer programming to modernize and optimize the SEO of our websites, and to update of our internal data network and other computer services. So far, much of his work has been in the area of responsive HTML, which we put into place yesterday and uploaded as part of this website.

If you are on a PC or Android device, you won't see the difference, as the first wave was all about the Apples.

We know that a majority of our followers and visitors use recent iPhones running the most up-to-date operating system. The reason for that appears to be that both the brokers associated with Verico Financial Group Inc. and management at HomeEquity Bank all or mostly use those devices.

They are not the majority of our followers, but those two groups are the most frequent return visitors.

Our non-returning visitors are what we call 'one page educated' as those looking for financing so they can move their families from Toronto to Simcoe County essentially ALWAYS go to an alternative brokerage when they learn the truth about the brokers at Verico the Mortgage Station.

We have been busy for the past few days, working on various projects pertaining to a subject that is directly relatable to our ongoing expose documentary about fraud by usury, or loan sharking, as was committed by the brokers at Verico the Mortgage Station, and an abuse of public trust undertaken by detectives of the South Simcoe Police Service who were somehow motivated by the multi-million-dollar brokers or their multi-billion-dollar allies to omit key evidence that proves conclusively that the wealthy and influential small town business owners committed the indictable offence of usury that brings with it a prison term of up to five years.

It is obvious why neither The Mortgage Station nor the South Simcoe Police Service has contested any of our allegations, nor challenged our evidence in any court.

We know of the stories being told about us by the loan sharks, habitual liars, and con artists at Verico the Mortgage Station, and by their allies at Verico Financial Group Inc. and HomeEquity Bank. Those trapped in a corner will do just about anything to escape from exposure, including lying habitually, hiding for months at a time, refusing to talk, and defying their own regulatory requirements.

Most respect that actions speak louder than words.

We welcome our followers to view a video we posted today through which we defended the rights of the homeless community, who according to the Ontario Superior Court have the right to find shelter using a tent or in an encampment pursuant to Section 7 of the Charter of Rights and Freedoms, which contradicts the bluster of the Mayor and City Council of Barrie who put themselves above the law.

We prefer to come to the aid of others, which is what we are very much known for doing.

Most people can easily see that this is hardly the character of the man who David Flude claimed to be 'a repeat serial agitator' who 'has been to court numerous times against neighbours, local politicians' who was 'nothing aside from a severely disgruntled individual trying to promote his own business'.

After an online meeting this weekend with several people who know much more about Search Engine Optimization than does any member of our crew, we have decided to shuffle the deck once again to attract a larger and more diverse audience so we can warn more potentially vulnerable seniors and harvest more stories about the loan sharking brokers of Verico the Mortgage Station, and their ethically questionable allies at Verico Financial Group Inc. and HomeEquity Bank.

To do this, we are moving some pages, renaming others, and we are optimizing the server code.

The most obvious difference will be that this page, 'Index.html' or 'Latest Updates' will now become 'latest-updates.html', as it had been a few months ago, and the current 'Story of Fraud' page, which includes the full story as an overview, will once again become the home page, or index.html. Both will also be supported by forwarding pages should our new coder advise us that doing so is advantageous.

It took only five days without boosting it before our newest video Fraud Trifecta Against Seniors, Veterans, and Community Charities - Verico the Mortgage Station leaped from nothing to number six when searching "The Mortgage Station" on Google.

Shown here is the list that appears directly below the big paid ad promoting the loan shark brokers.

We don't know how much the brokers at Verico the Mortgage Station are paying for that advertising every day, but clearly it is not working. Not only is our link second with no associated costs, but we also occupy spots five, six, and others for free.

We know the multi-million-dollar loan sharks can grift their clients to pay for it, but what good is it doing?

Today we are boosting the new video across social media through our recently created Facebook account for "Mortgage Fraud Canada", through which we are collecting associated stories for our expose documentary. We attempted to boost the video on Friday but we ran into a small technical issue with Facebook as our account was so new. We sorted that out over the weekend and are now able to boost the video to all of Simcoe County. Our intent is to warn as many potentially vulnerable seniors and others as possible, while opening a path to third-party stories about the brokers at Verico the Mortgage Station and their 'see no evil' allies at Verico Financial Group Inc. and HomeEquity Bank. We were able to share it to multiple groups, and several viewers did likewise.

The response has been mostly anger, focused at the multi-million-dollar loan sharks and their multi-billion-dollar allies, who chose to ignore the evidence of seniors being swindled and of a respected charitable service being defunded by fraud.

Today, we posted our newest video "Fraud Trifecta Against Seniors, Veterans, and Community Charities - Verico the Mortgage Station" on the Facebook page at facebook.com/MortgageFraudCanada that we recently created to promote our expose documentary about mortgage fraud in Canada, with our local focus being on Verico the Mortgage Station in Lefroy. Then we posted it to the Five Points Media page and to our Producer's personal Facebook page.

Then we shared it to 24 community group pages that are focused on living in Simcoe County.

Just prior to that, we dipped into the budget to boost the post, which will put it on the pages of tens of thousands of people we targeted in Simcoe County. Depending on the ripple effect, which has been pretty good so far, we will likely boost it again to reach more than 100,000 people through liking and sharing.

The brokers and their allies have been trying to hide from their own criminal and ethical breaches of trust.

By producing new videos each week, we will compel the owners and directors of these corrupt corporations to come out of hiding, as nothing says 'innocent' like multi-million and multi-billion-dollar corporations struggling to hide from the allegations and evidence of a small, not-profit-motivated, social enterprise.

When you mix in the philanthropic nature of our fully donated services, you see who the public will believe.

People can see we are open about who we are, and how we have freely shared the evidence. Meanwhile, we have shown how David Flude lied six times in two emails (Email 1) (Email 2) to evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA). Then, in a final dismissive email, David Flude tried to justify the indictable offence of usury, or loan sharking, and claimed that his brokers had done a favour by defrauding their client.

We are now seeing a lot more visits like this one, when a possible client for Verico the Mortgage Station researches local brokers, finds one of our articles, in this case an older one on our Five Points Media website, that redirected them automatically to the appropriate page on this website that is dedicated to the production of our expose documentary.

Then they were gone, never to be seen again.

They didn't go anywhere else on our website because if all they want is a mortgage, they won't take the risk of likewise being taken advantage of and defrauded. In addition to the obvious 'a whole lot of smoke if there is no fire' people notice that we present our evidence openly, and that the multi-million-dollar brokers and their multi-million and multi-billion-dollar allies at Verico Financial Group Inc. and HomeEquity Bank are not working to disprove our claims, nor rising to defend their brands and reputations, nor challenging our evidence in court.

There are days when we just shake our heads trying to understand the mindset of those who know they have done wrong, but who struggle so very hard to try to evade responsibility. Yesterday, we posted a new video detailing how the con played by the brokers at Verico the Mortgage Station to force their mark to accept a loan shark level of interest on bridge financing had caused the near demise of our benevolent not-for-profit social enterprise community media channel. Instead of listening to the message and reflecting on the harm they have done to their community, they spent hours upon hours scouring the content of our Five Points Media website, researching the same pages over and over again ad nauseam, apparently looking for something . . . anything . . . they think they can hang their hat on that they believe will release them from their accountability.

They reviewed half a dozen pages so many times they accounted for more than seventy page visits.

We really don't believe our 'Media Reports' page is all that fascinating, nor the details of our Local Impact. Regardless, they and the details of our 'Testimonials', 'Social Media', and 'Our Team' pages seem to be of great interest to this visitor from Barrie. In perspective, we have barely skimmed the pages at www.themortgagestation.ca and we are producing a documentary about them.

They can spend as much time and money 'researching' as they wish, as we are not the ones keeping secrets.

Five Points Media is a community focused not profit motivated social enterprise that has donated more than $700,000.00 in services to hundreds of charities, not-for-profits, and benevolent community groups, all of which we have helped to raise hundreds of thousands of dollars in donations they use to help those in need. That means we are the good guys ;-) There are no secrets to be discovered, and no skeletons in the closet. The researcher was also not likely a lawyer, as they did not review a single page on this website, which is dedicated to the story of usury, or loan sharking, committed by the brokers and covered for by their allies.

Yesterday, we released a new video, which we will be boosting across Facebook and other social media platforms. This marks a return to the creation of these informative video reels, that we have learned are most effective in attracting new followers to our story. They are also popular with the other independent media sources to which we are now interconnected through a media sharing agreement.

Our plan currently is to release at least one informative reel or mini documentary each week.

The most popular video so far was the "South Simcoe Police Service Now Omitting and Falsifying Evidence to Protect Loan Sharks" that we boosted for two weeks on Facebook. Through it, we exposed how 'motivated' detectives omitted key financial evidence and manufactured false figures to ensure the multi-million-dollar brokers at Verico the Mortgage Station could escape accountability for committing the indictable offence of usury, or loan sharking. In this newest video, we focus on how the set up for that con defunded a benevolent community service that has donated more than $700,000.00 in services to hundreds of charities, not-for-profits, and progressive support groups in our community.

We boosted that story to first 45,000 mostly local viewers, and then 32,000 more.

What kind of business defrauds seniors and veterans, and knowingly defunds a benevolent community-focused not-for-profit that provides fully donated services to any charity that asks? If you live in Simcoe County, you have a right to know. Canadian families are enduring difficult times, and we all know it is the corporations that are making life harder through artificially manufactured inflation and other scams that pick all our pockets. That is why we are producing an investigative documentary about mortgage fraud in Canada, with one story based in Simcoe County.

Ours is a story of criminal fraud, deception, loan sharking, and lack of accountability as committed by the brokers at Verico the Mortgage Station, located in Lafroy. We also delve into the unethical path followed by the management team at Verico Financial Group Inc., and the board of directors at HomeEquity Bank who chose to cover for the brokers who earn for them millions of dollars in mortgage sales. This story centers around the CHIP Reverse Mortgage, which these corporations market and sell to potentially vulnerable seniors.

The con game, which was well-polished and very effective, involved three entrusted brokers. Lisa Purchase set up the mark, using a variety of 'unexplainable excuses' to triple the length of the lending process . . .

We are happy to be able to announce that this morning we retained the services of a young and highly gifted computer programming major who will be taking over this website and our two commercial domains. The end goal is to improve the visitor's experience, modernize the look, and enhance search engine optimization.

Our Producer and crew have been maintaining and updating the websites, but we are video producers, and not formally educated programmers.

The new recruit is joining us as a paid co-op student, with the intention being that he will remain with our team when we launch our live community programming network in the fall. The live programming was intended to start in September of 2023. However, those programs were curtailed, as were essentially all of our services to the community, after the loan sharks of Verico the Mortgage Station defrauded our Producer through usury, or loan sharking, which involved a stall and delay tactic that served only to force our Producer to concede to their 198.25 per cent criminal rate of lending. Sadly, as a result of the self-serving greed of the brokers at Verico the Mortgage Station and the 'see no evil' mentality of their allies at Verico Financial Group Inc. and HomeEquity Bank, we were forced to withhold what many charities called essential fundraising and community awareness media services from local charities, not-for-profits, and benevolent community groups.

Few people are oblivious or naïve enough to believe they can simply ignore the media when criminal and ethical violations they have committed are exposed. That is especially true when their continued ability to operate as a business is dependent upon them being seen by the public as trustworthy and ethical. However, that is the path currently being followed by David Flude, Renee Dadswell, and Lisa Purchase, 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, when it comes to our fully supported and uncontested allegations of usury, or loan sharking, and various abuses of public trust.

Nobody has denied our allegations, and no lawyer has served us with a statement of claim seeking damages, nor a motion seeking injunctive relief to stop 'libel'.

This 'Encampment Response' is the public relations pullback by the City of Barrie after our crew and friends in social activism stood to defend against bylaw officers and police, and to block pending garbage trucks and Bobcats we were told were being sent to the Milligan's Pond encampment to evict homeless people.

As we posted on April 17, 2024, on this latest news page, our recent decision to join a media sharing service has resulted in dramatic increases to our traffic, mostly from the Greater Toronto Area as young families look north to the safety and relaxed nature of our Simcoe County community. Further, on April 20, 2024, we noted how the new tools, especially ones for videos, which come with that subscription, have greatly extended our reach locally and across the country.

The end result is we are going back to producing more thought-provoking and fully supported videos.

We will also be using those promotional tools to automatically copy our existing playlist of videos from YouTube and then share them on new accounts on every respectable YouTube-like online video and media sharing tool available. Immediately, we are reviewing Vimeo, DTube, Dailymotion, Vevo, Twitch, TED, PeerTube, BitChute, LBRY (Odysee), MediaGoblin, Veoh, and even Crackle which is currently only available in the United States, unless you are using a proxy server.

That announcement drew a threat by a self-identified broker of the Verico network.

See this Latest News page - April 23, 2024

We appreciate the desire for updates, especially from competing brokers and those like lenders who do business with the loan sharking brokers of Verico the Mortgage Station. However, our Producer has been busy the past few days defending the Constitutional rights of the poorest and most desperate members of our local community. Fortunately, the efforts resulted in a successful outcome.

Through that exposure, our Producer and his social justice allies forced the City of Barrie to withdraw from an unconstitutional abuse of authority.

The day started with a live online video call for support from any local people who care about the unsheltered and homeless people of our community. That resulted in the unannounced arrival of multiple protesters who wanted to help expose this injustice. The protest went on unabated for more than eight hours, resulting in national media exposure, and support from a Simcoe County church with a very large congregation and presumably influence over both social and political sway.

In any call for social justice, it is the grass roots, boots on the ground movement that is most successful, as was seen today when we forced a city to obey the law.

We were told by a principal Canadian mainstream media source that due to our actions, the Mayor and Council of the City of Barrie has once again backed down on their determined plan to bring harm to our homeless community. That withdrawal was supported strongly by a social justice motivated pro bono legal clinic that reviewed our posts and offered to write a letter to the City of Barrie Mayor and Council explaining recent judgements that contradicted the city's plan of Constitutional abuses.

Protests of this nature can be ignited as fast as a flash mob, as yesterday nobody knew about the eviction.

We took some time this morning to review some of the more recent visitors to our reports and videos, which included a lot of Toronto residents most likely looking to move to Simcoe County, and also brokers, media, and a few lenders. This one, showing a visit by RBC Capital Markets Corporation, caught our eye because we have never contacted them, and they are not on the list of known providers of funding for mortgages arranged by the brokers at Verico the Mortgage Station.

We have to wonder how many 'off the list' lenders are following our reporting from behind proxy servers.

It appears that we now have a new best friend in the form of this recent ravenous reader of our retroactive reports. More accurately, this visitor, who has visited repeatedly from both Toronto and Whitby, has shown extreme interest in only one article that we published more than two years ago. That particular post, which is found exclusively on our Five Points Media website, is the copy and paste content of a letter that was sent by our Producer to a Toronto lawyer who threatened us with a court denounced Strategic Litigation Against Public Participation (SLAPP) lawsuit. That lawyer demanded that we retract our reports about her slumlord client and apologise for telling the truth about how his negligence and greed contributed to the suffering and early death of a disabled man who died in an uninsulated and poorly heated summer trailer during the coldest part of February.

Sadly, within our society, some people MUST, without argument, be seen as being absolutely 100% right in whatever they do. They will follow the hardest of paths and suffer the most severe of scorn and wrath from our justice system and the public so that they can convince themselves that they are 'smarter' and able to fool others. Of course, the most well-known example currently in the public spotlight is Donald Trump, who chose defiance over common sense, who lies compulsively even when the truth works in his favour, and who has chosen to pay millions of dollars to lawyers to avoid admitting he made some mistakes due to arrogance.

Today, most people call them Narcissists, which can be true, but the motivation is most often simply fear.

Two years ago, David Flude had the opportunity to accept the 'error' of his broker, Renee Dadswell, who committed the indictable offence of usury, or loan sharking, and to repay what was taken illegally with an apology. Instead, the principal broker at Verico the Mortgage Station chose to turn his back, to ignore his trusting client, and to disregard the 'regulatory requirement' that he meet, face the evidence, and write a report to the Financial Services Regulatory Authority of Ontario (FSRA). In doing so, David Flude, set himself on the path of exposure and humiliation, not only for himself, but also for Renee Dadswell, Lisa Purchase, and all of the other brokers at Verico the Mortgage Station, as well as 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.

That was a choice he made, and all we have done is report the facts, which nobody has ever contested.

During the time since he chose to ignore his ethical obligations and defy the 'regulatory requirements' of the governance oversight who protect the taxpayers, David Flude has also ignored multiple opportunities to support his side of the story through an on-camera interview or a without prejudice meeting.

"A man who uses hiding and denial as his only arrows of defence is soon to expend his quiver." - Unknown"

From day one of our reporting, back on June 18, 2022, David Flude, Renee Dadswell, and Lisa Purchase, 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 relied on one belief, that we would get tired of telling the truth of their criminal and ethical breaches of public trust, and simply disappear.

Nearly two years later, we are still here, and we have no intention of going anywhere soon.

So, they hid for many months, they tried and failed to unlawfully censor our legal right to tell this story, they 'threatened' us with an unscrupulous and court-scorned Strategic Litigation Against Public Participation (SLAPP) lawsuit but were too cowardly to ever file it with any court, they refused to meet despite their 'regulatory requirements', and they lied like a lawyer working for Trump. All of those actions sent out a strong message of who in this story is telling the truth.

They believe they can ignore the truth of their abuses, and we will not leave the seniors of Simcoe County vulnerable to being defrauded by loan sharking.

As can be seen in the screengrab, we are back to number two on Google, second ONLY to the rather expensive advertising being paid for by the brokers at Verico the Mortgage Station, who are trying, and failing, to dominate the entire screen to prevent potential clients from seeing the truth of our fully supported reporting.

The truth is NOT their friend, and it seldom goes well for the brokers at Verico the Mortgage Station or their allies when reality gets in the way of their deceptions.

We have recently upgraded our visitor traffic utilities, and in many cases we can now tell not only where our returning followers and random new visitors go when reviewing our reports and videos, but also where they go after their tour through our allegations and evidence.

That information is rightfully restricted to the offramp taken, but not where they go after that.

The returning visitors, who are mostly professionals in lending, finance, brokers, real estate, and lawyers, stay on our website for an average of eleven minutes and thirty-nine seconds, meaning they are reading our updated articles and watching any new videos. When they leave, they go to a wide variety of professional IP addresses and established URLs. However, when a random visitor comes for the first time, such as a Toronto family looking for a mortgage in Simcoe County, they stick around for an average of three minutes and twenty-nine seconds, which is more than they need before exiting stage right to the website of another local broker. Those visitors are much less likely to return, as the facts, our evidence, and the network of cross-referencing have done their job. We are happy we could help.

They do not seek a detailed rebuttal from the loan sharks at Verico the Mortgage Station, nor from their allies, but simply stroke them off their list.

That is what happened on October 26, 2023, when a recently divorced single mother named Elizabeth reached out to David Flude seeking information about taking out her first mortgage. During the time that she waited for him to reply, the former legal professional did some research on the broker and his company. That is when she found our reports and videos. By the time David Flude responded, that bridge was well and truly burnt, and despite a lot of lying and perverting the facts by David Flude, Elizabeth ended up responding with a scathing retort against the loan sharks and in favour of our expose documentary.

It is a strange marketing strategy to brand yourself in the public eye as being the local business that syphoned into their greedy pockets the operational resources of a benevolent community social enterprise that helped every charity, not-for-profit, and benevolent community group that asked. However, that is evidently the image desired by David Flude, Renee Dadswell, and Lisa Purchase, the brokers at Verico the Mortgage Station, and by association, 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. Fortunately for them, their plan is working, and that brand is sticking to them like glue.

Maybe next time they can skim money from sick kids, the disabled, the infirmed, or injured puppies . . .
. . . except, they have already done all that.

Yesterday, our crew enjoyed a huge victory for one member of our community as we took delivery of a powered wheelchair that we had promised to provide to a young Barrie woman who had endured amputation after being hit by a car. A little more than two weeks ago we put out a call to our community, committing ourselves to help obtain for her a powered wheelchair as all she had was a one-wheeled push chair that was falling apart and virtually impossible to move.

Our appeal raised money, awareness, community spirit, and various offers of assistance.

Within 24 hours we managed to secure a fully functional non-powered wheelchair as a temporary stopgap. We have not seen Taylor since we delivered to her that new vehicle of freedom and empowerment, but we have been told she is getting around with effort. We continued to look and on April 12, 2024, with the assistance of our following and various community groups to whom we have donated services, we secured a virtually new powered model for her.

People who are working for Verico the Mortgage Station or their allies at Verico Financial Group Inc. and HomeEquity Bank might have difficulty soon viewing this website, as we are looking into how we can limit proxy server access.

During the past two days, we have been visited by people claiming to be coming from just about every one of our world's 193 countries, with many multiples.

Some of the nations listed are so small and obscure that we had to look them up to see where they were, or if they even existed. In two cases, the countries were real, but the names had changed since the proxy database was created. These visitors were obviously using proxy servers to hide who they are and where they are from, and we have decided that we are tired of being the only ones with the guts to work out in the open. The level of programming required is far above our geek cred, but essentially, if you are lying about who you are, you don't get past the bouncer.

It is only fair since we are not hiding anything.

So, if you come one day soon and you can't see our website, or you are met by a disclaimer screen, be assured we have not magically disappeared, and others can still see our established and updated content.

This is how a professional law enforcement agency deals with the exposure of an issue within their department. They step up, they deal with the problem, and they reassure the taxpaying electorate that it is not being brushed under the rug.

This is NOT how the top brass and detectives of the South Simcoe Police Service 'dealt' with fully supported allegations of usury, or loan sharking, that were presented by our Producer , a former international journalist, the one-time Deputy Editor of a national European newspaper, a technical services specialist for private investigations who just two days ago provided enhanced video evidence to the Barrie Police Service, and a philanthropist who has donated more than $700,000.00 in services to community charities, not-for-profits, and benevolent community groups. The ethically bound detectives and brass of the South Simcoe Police Service were unprofessional, rude, offensive, condescending and biased . . .

. . . which is easily explained when the accused is a multi-million-dollar corporation with multi-billion-dollar allies.

The two videos about how the South Simcoe Police Service appeared VERY 'motivated' to help the brokers at Verico the Mortgage Station and their billionaire allies have been the most popular of our media releases. The first release, "South Simcoe Police Service Now Omitting and Falsifying Evidence to Protect Loan Sharks", reached 45,000 when released and boosted on Facebook in early August 2023. The follow-up, "South Simcoe Police Service Cook the Books to Help Rich Crooks" released a couple of weeks later, reached around 30,000 when boosted on that platform.

Unlike the professionals at the OPP, the South Simcoe Police Service hid from our allegations of 'motivation' and has never contested any of our claims.

It is very easy to understand why the brokers at Verico the Mortgage Station and their allies at Verico Financial Group Inc. and HomeEquity Bank have not, or will not, or cannot deal with their culpability for the crime of usury, and their multiple ethical abuses of client and public trust. They are polar opposites and antithetical to the people who were defrauded and are now exposing the truth.

Is there a Rosetta Stone for when those who wallow in greed are exposed by those who help people in need?

This is our Producer in Barrie last night helping to feed those who are forced to live without shelter in our local homeless community. He does this several times a week and also helps in other ways such as the community laundry service. All that time is donated, as is true of all members of the group, and the service is provided regardless of the weather. Their payment for this service is appreciation and hopefully a better night's sleep for those with whom they manage to connect.

They made a commitment to their community, they live up to their promise, and a group of people who are very much in need benefit from their actions.
Why can't the brokers and their allies act honourably?

Yesterday was a busy day for our Producer, who in addition to voluntarily helping the Barrie Police Service attain video evidence to pursue a hit-and-run driver, he also cooked at his own expense and without compensation enough stew to feed about 30 men, women, and children of the Barrie homeless and poorest communities. He will be personally assisting to distribute that food this evening.

In an email to a prospective new client, dated October 26, 2023, David Flude, the Principal Broker at Verico the Mortgage Station described this philanthropist as:

"The info you and everyone else can see is from a repeat serial agitator. He has been to court numerous times against neighbours, local politicians and we have had nothing but support from our mortgage associates . . . There is nothing aside from a severely disgruntled individual trying to promote his own business."

Not only are all of those claims false but there is also no substantiating evidence of any kind. David Flude's comments were a series of lies built upon each other like a house of cards, and it comes as little surprise that it is all crashing down as the facts are revealed.

In a situation like this, when two parties have drastically different points of view and versions of events, it is often the character of the individuals that are counted on by any professional judge of character, such as a Justice of the law.

We are very happy with the results of the new media tools. See this Latest News page, April 17, 2024. Out of the top twenty results on Google, when searching "the Mortgage Station"our website and the older stories and videos on our Five Points Media website come up third, fifth, eighth, tenth, fourteenth, and eighteenth.

That would no doubt explain the sudden surge in traffic from some of the people we are reporting about in our expose documentary.

It might also explain the message we received from somebody claiming to be a 'mortgage advisor for Verico"(as yet unconfirmed) who may have criminally uttered a threat by saying "There are a lot of brokers within driving distance of Barrie and if you keep this up you might be meeting a few of us."We are meeting with the police this afternoon and if they see merit we will provide them with the email. Of course, in true Verico style, the temporary 'abuse and delete' email address from which it was sent has already been deleted.

Honestly, torch-bearing mortgage brokers are not really that threatening 😉

For now, we will keep that letter close to our chest. It really, truly, is not seen by us to be a threat worth worrying about, especially when considering how David Flude threatened, huffed, puffed, and bluffed, and was then humiliated for trying to threaten our Producer and our twenty-something-year-old interns and apprentices with a lame, groundless, legally unsupportable, "Notice of Libel" that he was too intimidated to file with any court. After dealing with the South Simcoe Police Service, who omitted key financial evidence and falsified figures to provide the multi-million-dollar brokers with a "get out of jail 'free' card", we have lost our faith in those who take an oath to uphold the law.

It appears the tiki-torch brigade is angry at their do-nothing senior management, which is justified.

Although not factually accurate, fear is the reason elephants are fabled to hide from a mouse. In this case, the trepidation being displayed by David Flude, Renee Dadswell, and Lisa Purchase, 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, is a self-protective response to evidence they know we have that proves both individual and collective criminal and ethical violations of public trust.

Why else would these multi-million and multi-billion-dollar corporations be so afraid of a small, not-for-profit, social enterprise, community media service?

We have fully substantiated, to the satisfaction of more Simcoe County residents than we can count, that Renee Dadswell, a broker licensed by the Financial Services Regulatory Authority of Ontario (FSRA) through Verico the Mortgage Station, defrauded our Producer , a senior, veteran, and well-known philanthropist, through usury, or loan sharking, and that her colleague, Lisa Purchase, and Principal Broker David Flude assisted her to commit and conceal the indictable offence that upon conviction carries with it a prison sentence of up to five years of incarceration.

What motivates choosing exposure, which costs hundreds of thousands of dollars in potential income, rather than facing the evidence in a public venue?

Further, we have shown how detectives of the South Simcoe Police Service knowingly and willfully omitted key financial evidence and falsified calculations to provide a "get out of jail 'free' card" for the multi-million-dollar brokers who have multi-billion-dollar friends. We cannot prove what 'motivated' that favour, and we will have to leave that judgement to our hard-working and tax-paying readership.

The online media sharing tools we signed up for on April 17, 2024, see details on this Latest News page, include an analysis tool for reviewing the content reviewed and the online journey of those who visit our website. We copied over the data from our visitor analysis tools that have for several months kept track of who visited where, for how long, and where they went from there. The results were interesting, but not overly surprising.

The first recommendation by the AI tool was to produce more of the longer and more detailed videos.

Some videos, like the one found on "South Simcoe Police Service Now Omitting and Falsifying Evidence to Protect Loan Sharks" were much more popular than is true of the shorter and less detailed videos like the one used on the page entitled "HomeEquity Bank: Aiding And Abetting Loan Sharks Or Committing Omission by Feigning Ignorance?" The biggest problem has always been the amount of time and resources required to produce that kind of polished production.

So, today we ordered ourselves a new multi-core thread-ripper computer that is almost ten times faster than our existing edit suite.

It was only three days ago, on April 17, 2024, that we posted here, on the Latest News page, how we had joined forces with hundreds of other independent media outlets in Canada and around the world through a media sharing agreement that could be customised by filtering whatever the specific news producer or repeater bureau wanted to share with their audience. In our case, we chose Canada, the United States, Financial Services, Mortgages, Crime, Unions, Labour Movement, Government, Corruption, and Activism.

We also posted how the service provided optimisation tools for videos on services like YouTube.

We were quite surprised last night to be advised by our AI-driven online analysis tools that our videos on YouTube had suddenly jumped in rank quite dramatically, and also with regards to searches for 'Verico the Mortgage Station' and other keywords and phrases. On Thursday, when we first experimented with the tools, we ranked below the posts for the Loan Sharks of Lefroy, as either they have been posting anywhere and everywhere, or they have hired an SEO consultant, or both.

Last night, our videos jumped to top positions at two, four, and five, second only to their paid advertising.

We will now be using those same promotional tools to automatically copy our existing playlist of videos from YouTube and then share them on new accounts on every respectable YouTube-like online video and media sharing tool available. Immediately, we are reviewing Vimeo, DTube, Dailymotion, Vevo, Twitch, TED, PeerTube, BitChute, LBRY (Odysee), MediaGoblin, Veoh, and even Crackle which is currently only available in the United States, unless you are using a proxy server. However, we are considering others under the umbrella 'the more the merrier.'

Each video will be linked to the appropriate webpage, as is the case with all of our YouTube videos.

There is now a rapidly growing social media-spawned political movement being generated and perpetuated by struggling Canadians who are tired of paying more, getting less, and being told to simply accept being screwed without complaining.

That is why our expose documentary about mortgage fraud against seniors in Canada is so perfectly timed.

Posters like this one, targeted specifically at Loblaws, are popping up all over Toronto and in other major cities, as activists are educating the public about the empowerment provided by being part of a movement to draw attention to the fraud of inflated food prices.

We don't endorse the idea of stealing from Loblaws, but that is not the point of the posters.

Our recent decision to subscribe to a media content-sharing service has already drawn considerable interest, not only from other independent media but also from activists who see a need and desire to improve life for all by ending the elitism mentality that if you have money you can do whatever you want.

There is a reason why billionaires in the United States are building security-minded new mansions.

By far, the most popular videos have been Lies, Manipulation, and Loan Sharking, the 'Story of Fraud' story synopsis that provides the back story of our expose documentary, and the two expose videos about how detectives at the South Simcoe Police Service were somehow 'motivated' to omit key financial evidence and falsify figures to manufacture a pass for the indictable offence of usury, or loan sharking, they granted to the multi-million-dollar brokers at Verico the Mortgage Station.

Last night, in a post by a very respected Simcoe County charitable organisation that helps the homeless community, the leader noted the following about our Producer . The public post can be found here.

"Heartfelt thanks to our awesome outreach volunteers Ashleigh and John for going above and beyond tonight and staying with our friend at hospital till she felt comfortable. You being there and advocating for her made the difference between her staying and getting the care she needed or leaving the hospital before getting the help she needed. This is how we care for each other. We have a beautiful team!"

An altruist who spends hours in a hospital helping a stranger make it through tough times is hardly how David Flude described him when lying to a client.

It is little wonder why people are seeing clearly who is telling the truth and who is lying. On one side you have a philanthropist who donates dozens of hours every week to help those in the most need, and who has donated hundreds of thousands of dollars worth of service to hundreds of charities, not-for-profit organizations, and benevolent community groups, and who was nominated and voted to the highest levels for a city-wide award for altruism. On the other, you have a repetitive liar, who hid for months to avoid accountability, and who will NOT come out of the shadows to explain his actions and those of his brokers or defend against our allegations in court. One potential client for the brokers at Verico the Mortgage Station said it well:

"Mr. Flude. You truly must think people are stupid, and your explanation is insulting."

Those who know they have done wrong, such as David Flude, Renee Dadswell, and Lisa Purchase, 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, continue to wallow in denial of their situation, and apparently they still believe they can lie their way out of their responsibilities.

To paraphrase Hannibal Smith, the leader of the fictitious 'A-Team', "We love it when a plan comes together."Traffic to our Reports and Videos has slowed down about ten percent due to the changes in the weather, and because we have held back from putting out more videos, which take considerable time to produce. So, last night we purchased licensing to new software that is designed to use AI to boost media posts across multiple platforms. It is like the old Reuters feed that for decades provided world news to local media outlets, and in some cases vice versa, until succumbing to new technology like this new service.

As the former Deputy Editor of a national European newspaper owned by the Washington Times, our Producer is familiar with that service.

The basic principle is free news sharing, with the only requirement being to credit the source. During the past decade, mainstream media has lessened in size and influence, while small local media, like Five Points Media, has grown. To see this in action, you need to look no further than how CTV has applied to the CRTC to drop local news requirements. That local touch is being filled now by smaller media services, of which Simcoe County has several, including our team.

We had an interesting weekend of traffic, with new and established visitors coming to our reports and videos from all over Canada. One thing we could not help but notice is that although the iOS operating system is used by about 60% of the mobile online market, more than 92% of our weekend visitors were mobile Apple users. We will need to further analyse the patterns, to determine how this compares to past weekends when we only had limited access to our visitor data - see the article dated April 08, 2024, on this Latest News page. Further, on April 13, 2024, again on this Latest News page, we noted how a frequent visitor to this online extension of our expose documentary about mortgage fraud in Canada told us about how we were missing considerably more data due to another flaw in our coding.

On January 16, 2024, 90 days or exactly three months ago, we released an article about how hundreds of other Verico brokers appeared to have visited our homepage on masse, apparently based on the invitation of their head office at Verico Financial Group Inc. That time period is often used in legal agreements, such as a promise to end this ongoing criminal exposure by a certain date, by whatever means. Essentially, every one of those assumed brokers used the latest iPhone running the most recent iOS.

We are still here, which could be why we are once again drawing so much attention from those with a vested interest in this story.

Regardless, the locations from which these visitors came, the ultra new nature of their devices, and the iOS used to access our data are very reminiscent of our article "Broker's Convention Held On Our New Homepage" through which we exposed how it seemed that Verico Financial Group Inc. had let the cat out of the bag to its hundreds of brokers about how Verico the Mortgage Station was being publicly exposed for committing usury, commonly known as loan sharking and there seemed to be little if anything they could do about it.

Charles Caleb Colton, an English cleric and writer, is often cited for his quotes and observations of the human condition. One such pearl of knowledge is this 19th-century reflection:

"The mistakes of the fool are known to the world, but not to himself. The mistakes of the wise man are known to himself, but not to the world."

The general consensus, including that of a business banker at one of Canada's Big Five Banks, is that David Flude, Renee Dadswell, and Lisa Purchase, 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 making fools of themselves by perpetuating the need for our ongoing and growing exposure of their ongoing criminal activity and unethical abuses of trust.

"Is this person mentally ill? I mean you don't let something like that be told about you. If it is true, you fix it, and if not, you silence it."- Big Five Banker

Each of the brokers at Verico the Mortgage Station has admitted in writing that they knew about the usury, or loan sharking (Renee Dadswell), (Lisa Purchase), (David Flude) and we have shown that while using his corporate account David Flude lied six times in two emails (Email 1) (Email 2) to evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA) for that indictable offence.

The Principal Broker at Verico the Mortgage Station has also been caught red-handed deliberately misleading a potential new client who sought a mortgage of $800,000.00 but ended up taking her business and a commission of about $8,000.00 to another broker after calling out David Flude as a repetitive liar, while supporting the truth of our reports and videos. You can see the entire email here.

A few days ago, on Monday, April 08, 2024, on this Latest News page, we reported how a mistake in coding had disrupted communications between our website at https://themortgagestation.tv and the service that monitors our traffic. As we reported then, a lot of data had been lost due to the error, and we were going to be spending some time reviewing the massive amount of incoming data.

That was the first issue to resolve, but then an eagle-eyed follower spotted a bigger one.

On Wednesday, April 10, 2024, a frequent follower of this story who runs an Innisfil website design business, pointed out another issue and even provided us with the corrected code. We forwarded it to another friend, who has helped us in the past, and once it was approved, we made the changes on all pages.

Then we instantly went from impulse to warp drive.

The screengrab seen here shows the dramatic increase in recorded data. It does not show an increase in traffic. It provides insight into the true level of traffic, much of which has been missed since we launched this website. We were happy with what we were seeing, especially after the first re-coding, but suddenly what we thought was good was overwhelmed multiple times by data we had just never seen due to the coding errors.

Anybody not wearing blinders can see that this data shows traffic levels about ten times as high as what we had previously recorded.

Given the history so far, we have little doubt David Flude will falsely claim he can sue the website designer like he 'threatened' legal action against our Producer and our twenty-something-year-old apprentices, before crawling back into the darkness after our Producer slapped down his false claims so hard the anonymous threat was never filed with any court.

Psychology has shown that people make a conscious choice to be one of the good guys in a story or one of the villains. The decision is governed by a basic understanding of ethics. The classic western comedy "Rustlers' Rhapsody" asked the question 'what would happen if two white-hatted 'good' cowboys were on opposing sides', but that seldom happens. In any story of conflict, such as our expose documentary, there are thieves, liars, loan sharks, con artists, or other despicable villains, and then there are people of conscience working to stop them from harming others or taking advantage of more victims.

This wheelchair is a perfect metaphor for discussing the relevant roles in this story.

Last night, our Producer , John, was out patrolling the streets of Barrie, providing food and the necessities of life to the unsheltered through community outreach provided by Ryan's Hope, a benevolent group to which John is a frequent contributor of time and services. At Meridian Place, the team of volunteers came across a young woman who is known to them, who lost a leg due to a car accident a couple of years ago - full story.

Sadly, she was rolling around in a very unstable fashion in a wheelchair that only had one wheel.

Without a second thought, our Producer asked if the woman would let him help her, and without even asking how she said yes. Ryan's Hope has earned that level of respect and trust from those living within the homeless community, which speaks volumes about their dedication and honesty. With her consent, our Producer took some pictures and when he returned to our studio, he posted on Facebook a fundraiser to help this woman attain an electric wheelchair. The response was $350.00 being raised by early evening. Meanwhile, the founder of Ryan's Hope messaged like-minded people to arrange for a top-quality manual wheelchair that was made available and was delivered by the philanthropists this morning - full story.

The question has been asked why are we so diligently pursuing David Flude, Renee Dadswell, and Lisa Purchase, 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 for committing the crime of loan sharking, turning a blind eye to the criminal abuse of a client who is a senior and veteran, or then trying to cover it up, especially as the outstanding amount from the crime is not a high dollar value.

We think that if you understand ethics,
the first reason should be obvious to everybody.

The second reason is we have managed to secure a budget from various sources, which became much easier to do after we exposed the crimes to the competitors of not only Verico the Mortgage Station but also Verico Financial Group Inc. and HomeEquity Bank.

Yesterday we received a message from an unidentified man who said he was doing some research on buying a house in Simcoe County when he found our fully supported reports and videos. "I thought journalists like you were a thing of the past. Good job!!! You probably saved my family a lot of trouble and money. It takes balls to take on these lenders but what the hell is stopping the police and local council from finding you dead in a ditch? You must know some powerful people."

Our first thought was a threat, but we backtracked it to a five-year-old account based in the GTA.

That may sound paranoid, but when David Flude eventually got around to trying to intimidate us, he did so through the guise of an 'anonymous agent' who huffed, puffed, and bluffed a bunch of self-serving made up nonsense that was composed badly and without legal merit into a whining do-it-yourself 'Notice of Libel' that was not signed, and which our Producer so fully decimated in a single email that the cowardly con-artist 'anonymous agent' chose to never file the claim in any court.

Five Points Media is known favourably to many members of Simcoe County Council.

Throughout the past dozen years, we have provided our fully-donated services to many charities, not-for-profits, and benevolent community groups based in Simcoe County, and we have also worked with the Nottawasaga OPP, various mayors and councillors, fire departments, and every Member of both Federal and Provincial Parliament. We have also supported local businesses during the pandemic, and also community events of various kinds. These include but are not limited to:

1. Collaborate Nottawasaga - OPP and 20 other official county agencies.
2. Innisfil Christmas 4 Kids.
3. Angus Legion - A Charitable Donation for a Worthy Cause.
4. Innisfil Sign War - Helping Local Businesses.
5. Innisfil Stationary Santa Claus Parade.
6. Innisfil Pride Paddle A Huge Success.
7. MPP Andrea Khanjin's Innisfil Community Skate.

Anybody who has worked with html code can tell you that a single dot out of place can create a very different look on your pages. Missing or wrong code can also cause plugins and third-party add-ons not to work properly.

Today, we found out what can happen when you miss some code, which resulted in a bittersweet moment.

The connection to our visitor analysis service is encoded as part of every page of our website. That way we can determine who is visiting what pages, for how long, what they viewed, etc. Part of that code is "https://", which is associated with the path back to the service provider. On some but not all pages, apparently several weeks ago, that code was accidently changed from "https://" to just "//"

What that meant is that about two thirds of our visitors did not appear in our real-time analysis.

We corrected the code on all pages and uploaded the revised content to our online server. Then, quite unexpectedly, a dozen previously 'invisible' visitors suddenly appeared on eight different pages. Then we rolled back to see what had changed in our history, and let's just say it is going to take a while to analyse all the details we did not have five minutes earlier. That is what happens when you triple your data.

Those visitors included Verico brokers, lenders, competitors, and other industry professionals.

In some cases, especially when analysing proxy server visitors, our data is as clear as mud, as we are sometimes guessing about the identity of a new visitor. We tend to base initial identification on their visitation patterns and areas of return interest. Most people view initially what is most pertinent to them, at least at first, such as a lender reviewing all of our letters to them. The new tsunami of data will enable our AI-driven analysis tools to more accurately determine the identity of visitors based on their traffic patterns and areas of greatest interest.

The old idiom "hold his feet to the fire"alludes to an ancient test of character that, sadly, David Flude, Renee Dadswell, and Lisa Purchase, 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, appear to be failing in a very public and humiliating way.

Everybody knows that it is only those who are ashamed of their actions who wallow in the darkness.

We don't know how long David Flude thinks he can continue to ignore the exposure of his criminal and ethical abuses of trust, as almost two years is a very long time to do nothing about somebody you claim is lying about you:

1. David Flude has admitted to knowing about the illegal loan sharking in an email from almost two years ago.
2. David Flude lied six times in two emails (Email 1) (Email 2) to evade an investigation by the Financial Services Regulatory Authority of Ontario (FSRA).
3. David Flude lied to a prospective client, which we know because she carbon-copied us on her final scathing retort to being lied to by David Flude.
4. David Flude has repeatedly refused to meet the client his brokers defrauded by usury even though he admitted in an email that doing so was a 'regulatory requirement' of his license as a mortgage broker.
5. David Flude had the most to gain when a detective of the South Simcoe Police Service felt 'motivated' to omit key financial evidence and falsify formulas as a way to exonerate the brokers at Verico the Mortgage Station of an indictable offence that carries with it a prison sentence of up to five years.
6. Neither David Flude nor any identifiable person or entity about which we have reported as part of this expose documentary, have expressed any kind of concern about the accuracy of our reporting, nor have they contested a single allegation. That is an endorsement of the accuracy of our reporting.

Last night, our Producer took part in an online meeting with representatives of various national and regional social activism groups that have formed a coalition focused on ending homelessness in Canada. John made a ten-minute presentation about our expose documentary focused on mortgage fraud in Canada, and then he walked them remotely through our production facilities and broadcast studios.

Collaboration seems inevitable on multiple levels, as can be seen in this follow-up email.

"Good morning John. Thank you for meeting with us. Your story is compelling, and your creative space is amazing. Thank you for the walking tour. I look forward to visiting getting a feel for the space and working together. Are you wheelchair accessible?

Mary from XXX XXXXXXX coalition was the only descent from collaborating. She has a conflict of interest that she clarified for us after your presentation. Without her vote we are seven of eight.

We need to discuss it further and vote but we seem to have a consensus that public protests being recorded by your team for your needs and our social media would help us both. We will need your friend with the bus to transport many of the less fortunate and differently enabled members of our groups. We can discuss details.

There are far too many scam artists out there ripping off people in the real estate world and your story covers a few issues we need to take viral. Their hiding makes them look uber-obviously guilty. You may have given us a face for our campaign.

I know your focus is the brokers who defrauded you but we are more interested in the head office of Varico and the Equity bank that ignored your complaint.

How many can you fit in that bus and how many minutes is Barrie from the brokerage? Let's talk about timing. Where are the Varico and equity head offices?"

Trace

Corrupt realtors and those working in the housing financing industry are named by many as being the primary reason why Canadian families lost their homes, and in some cases became homeless. That is why our story is catching on with unions, activists, and groups that defend human dignity for all, and not just the rich. They don't like to hear stories about how the brokers at Verico the Mortgage Station defrauded a senior and veteran via loan sharking, or how the management teams at Verico Financial Group Inc. and HomeEquity Bank were provided with unredacted copies of the evidence but did nothing to protect their client.

As new members of about 120 social media groups, we now have access to several hundred thousand people.

It is the arrogance and inflated sense of self-importance demonstrated by David Flude, Renee Dadswell, and Lisa Purchase, 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, that is driving this story, and they seem utterly unaware that it is their belief that they are above accountability that is expanding public awareness of their crimes and ethical shortcomings.

They grifted a few hundred dollars, for which they have lost a thousand times as much or more.

As we noted in an article found on this Latest News page, dated April 1st, 2024, a business banker at one of the Big Five banks asked of David Flude, the Principal Broker at Verico the Mortgage Station: "Is this person mentally ill? I mean you don't let something like that be told about you. If it is true, you fix it, and if not, you silence it."Adults deal with 'mistakes'. If they make no attempt to fix what they claim is an error, then it was an intentional act, known in legal circles as malfeasance. Courts understand this simple principle, which is why the brokers at Verico the Mortgage Station and their allies at Verico Financial Group Inc. and HomeEquity Bank seem unable to retain counsel, and it is also why they are clearly terrified to challenge our allegations in a court of law based on the evidence.

We have heard some of the stories that are reportedly being told about us by David Flude, Renee Dadswell, and Lisa Purchase, 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. We say let the evidence show the truth.

We are not the ones who are hiding, nor are we afraid to present our evidence in a court of law.

People are, of course, free to believe who they wish, but when doing so, and considering that a mortgage is for many people the largest investment they will ever make, we ask only that they consider the character of those telling this story. In an email to a prospective new client, the final comments of which can be found below, David Flude described our Producer as 'a repeat serial agitator' and he claimed that 'He has been to court numerous times against neighbours, local politicians' and he was 'severely disgruntled' and was somehow 'trying to promote his own business'. The client was far from supportive of what she evidently saw as self-serving lies, as she metaphorically emasculated David Flude like a lioness taking down a gazelle on the Serengeti. That very embarrassing email is here.

None of these claims are true, most don't make sense, and not one word is supported by evidence.

These images were taken on the evening of Wednesday, April 3, 2024. They show our Producer working in the freezing rain and high winds to deliver warm meals to almost 100 men and women who are the victims of homelessness in our community. Due mostly to circumstances beyond their control, these people are forced to live on the streets or in makeshift encampments, where most other people choose to forget they exist. Does that sound like David Flude's report of a 'repeat serial agitator', or are these images more indicative of a true philanthropist?

Why would several multi-million and multi-billion-dollar corporations be so obviously afraid of a small, not-for-profit, social enterprise media company that they will threaten to sue us as a method of oppressing the truth, but are terrified by the prospect of balancing their threats and any evidence they might have against our fully supported allegations in a court of law?

The innocent has no reason to fear judgment, nor the scrutiny of their evidence.

More than three months ago, on December 27, 2023, an anonymous writer, who was too cowardly to sign their name to their vacuous ultimatum, 'threatened' to file a court-condemned Strategic Litigation Against Public Participation (SLAPP) lawsuit against our benevolent and highly respected community channel if we did not immediately stop reporting the truth about this story. The clandestine email also demanded that we remove all reports and videos by midnight on January 5, 2024.

We don't kowtow to bullies, so there has been no suspension of our reporting, and no removal or alteration to our allegations or evidence.

The anonymous writer, who we have every reason to believe was David Flude, also felt sufficiently lacking in confidence that they went out of their way to groundlessly threaten our twenty-something-year-old apprentices and interns through this lame attempt at bullying:

"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."

Just when we thought the brokers at Verico the Mortgage Station couldn't get any more desperate, here they or an agent were again, earlier today, scrounging around the website of our commercial company trying to find something . . . anything . . . they hope they can use to deter us from continuing to tell the truth about the crimes and abuses of trust that have been committed by David Flude, Renee Dadswell, and Lisa Purchase, the brokers at Verico the Mortgage Station, and covered for by 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.

We are apparently supposed to be intimidated by a multi-million or multi-billion-dollar corporation peeking through our open windows.

Ninety-day-old, anonymous, vacuous threats of a contemptible, court-scorned, intimidation-motivated Strategic Litigation Against Public Participation (SLAPP) lawsuit don't impress us much, and who can blame us when the cowardly issuer of the ultimatums lacked the testicular fortitude to file their claim with any court, or even to sign their name to thier weak attempts at bullying.

Flybys of our pages for a few seconds here and a few seconds there just show how desperate these once-respected financial 'professionals' have become.

We are now in communication with the Financial Services Regulatory Authority of Ontario (FSRA), and today they asked us about our production schedule so we can arrange to interview Mr. Mark White, CEO of the Financial Services Regulatory Authority of Ontario (FSRA).

People make mistakes, and sometimes they unknowingly break the law. However, the moment they perpetuate the crime, it is no longer a mistake, and they have chosen a path of immorality and unethical behaviour that can ultimately lead to self-destruction. In law school, the example is given that a doctor is called while in a restaurant for an emergency procedure that only they can perform, and when they cannot find the waiter to pay, they simply leave. If they come back later, explain the emergency and pay the bill, no charges would ever be laid. However, if they remember the bill, and have the opportunity to pay it, but choose not to, then they are a criminal as they have demonstrated 'mens rea' or 'a guilty mind'.

Honest people fix honest mistakes, while criminals perpetuate and expand upon their crimes.

Six-hundred-and-fifty-plus days ago, David Flude, the Principal Broker at Verico the Mortgage Station, was informed by one of his clients that one of his brokers had broken the law by charging a grossly illegal level of interest and manufactured fees on a short-term loan. He also learned that the loan was only necessary because another broker, Lisa Purchase, had chosen, without explanation, to elongate the process of arranging a mortgage from a promised three weeks to more than nine.

David Flude is also aware that as a result of their actions, the brokers at Verico the Mortgage Station caused the virtual demise of a not-for-profit, social enterprise, community service that has existed since 2014, which donates media services to local charities, not-for-profits, and benevolent community groups. The result has been a significant loss of support for those in need within our community, who can no longer request assistance to create educational or fundraising videos to spur action from the community in support of our most vulnerable people.

Instead of 'manning up', David Flude ignored the 'regulatory requirements' of his license which binds him to ethical conduct as a broker in Ontario.

The tactic of 'find something . . . anything . . . ' has gone from humourous to embarrassing, as David Flude, Renee Dadswell, and Lisa Purchase, the brokers at Verico the Mortgage Station, or 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, scramble to find something they think they can use as leverage against us. They won't face us; they won't sit down for an interview at which point they could counter our allegations with evidence, if they have any; they won't meet for a without prejuduce meeting; they don't seem able to find a lawyer who will challenge our evidence based on our various past legal successes; and despite their anonymous 'threats', they won't take action that would require that the evidence be viewed by an impartial Justice of the Superior Court.

We see the truth, as do our followers, as will the FSRA.

People can see the truth, that Five Points Media is a not-for-profit media service that has donated more than $700,000.00 in skilled labour and production facilities to our community by providing, free of charge, at least 350 videos to more than 180 charities, not-for-profits, and benevolent community groups. That led, in 2020, to our team being 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 Commerce. We also have a hard-earned reputation for taking on corruption and assisting average Canadians who cannot fight the wealthy to secure their rights.

These abilities stem from our more than 35 years of international media experience, both in Canada and abroad, including as a news videographer in Bosnia during their civil war and in the Middle East during the first Gulf War. Our producer is also the former Deputy Editor of a national European newspaper owned by the Washington Times, and he has taught media technology in community and private colleges across Canada, from Ontario to British Columbia.

It was a bit of a surprise yesterday afternoon, at around 4:00 pm when our system notified us that multiple visitors had suddenly and simultaneously appeared on two of our platforms. One was the website for our benevolent not-for-profit community channel at Five Points Media, and the other was our commercial video production company, 3B Solutions, which is in no way involved with the production of this documentary about mortgage fraud in Canada that is featuring the Lies, Manipulation, and Loan Sharking that were committed or deliberately ignored by David Flude, Renee Dadswell, and Lisa Purchase, 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.

The visitors came from, or hid behind proxy servers that claimed they were from Simcoe, Oakville, Kitchener, Bolton, North York, and Kanata, Ontario ~ Ashburn and Boydton, Virginia ~ Del Norte, Colorado ~ Boardman, Oregon ~ Logan, Utah ~ Chicago, Illinois ~ Council Bluffs and North Liberty, Iowa ~ Houston, Texas ~ Quincy, Washington ~ Santa Clara, California ~ Seongnam, Gyeonggi-do, South Korea ~ National Capital Territory of Delhi and Pune Maharashtra, India.

If you want the truth, you go to the source. That is what is happening now when people are lied to or misled by David Flude, Renee Dadswell, and Lisa Purchase, the brokers at Verico the Mortgage Station, or by 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 about why we are producing this expose documentary about mortgage fraud. Those prospective clients are coming to our website in large numbers looking for the truth.

That pattern will only broaden when we fully launch our new social media campaign.

What visitors find is the story of a true philanthropist who, for example, spent his Saturday this weekend volunteering for several hours to distribute a special Easter dinner of pizza and Swiss Chalet chicken to those suffering within our homeless community. This was also not a one-off event, as he does it three days a week.

On Thursday, March 28, our Producer hit the road and travelled to four different rallies in support of opening long-dormant Safe Consumption Sites The protesters were made up of about half a dozen groups, all activists, who were working as part of a province-wide campaign that was happening in multiple cities.

Much to his surprise, several people approached our Producer and asked how the documentary was going.

It is one thing to reach out to others on social media and other online means, but quite another to have people you kind of know, who you have seen but cannot identify, approach you to ask about your new ongoing socially poignant project.

Most are also supporters of affordable housing and advocates to end homelessness.

Fraud by usury, or loan sharking, committed against seniors would be a red flag for all of these socially conscious people, as fraud is one of the main reasons why our elders lose their homes and end up on the street. Brokers are licensed and regulated by the province, which is supposed to mean something, and they are bound by ethical standards they are required to follow to protect their clients.

Loan sharking and lying about it are most definitely high on the list of things they are not supposed to do.

Our Producer asked a few members of various groups if a protest and information picket to attract media to the offices of Verico the Mortgage Station could be a thing, and they were all eager to let the loan sharks know that their method of defrauding seniors and veterans is very much an issue worthy of protest.

A random suggestion by a union brother a few months ago seems to be coming to fruition.

On March 27, 2024, our Producer was in downtown Barrie, meeting with a representative of one of Canada's 'Big Five' banks to discuss short-term investments that would help to strengthen the larger part of the budget we are due to receive forthwith to complete research and production of this documentary about mortgage fraud in Canada. It did not take long for the subject of the production to be raised or for the jaw of the banking professional to hit the floor. The next words out of their mouth were: "Is this person mentally ill? I mean you don't let something like that be told about you. If it is true, you fix it, and if not, you silence it."

our Producer then passed on the details of the amount borrowed and the amount taken just 46 days later in interest and fees, and the banker said clearly, "That's a highly illegal rate of interest. Has the brokerage owner spoken with you about it, or the Financial Services Regulatory Authority of Ontario (FSRA)?

our Producer advised the banker how David Flude, the Principal Broker at Verico the Mortgage Station refused to meet even after stating in writing that not doing so was a violation of the 'regulatory requirements' of the Financial Services Regulatory Authority of Ontario (FSRA), and that he then hid for almost two years, after lying six times in two emails (1) (2) to evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA). Then the former international journalist went on to describe how David Flude lied about us to his clients, including a new client who sought a mortgage of $800,000.00, but ended up taking her business and a commission of about $8,000.00 to another broker after calling out the repetitive liar and supporting the truth of our reports and videos. You can see the entire email here.

The conversation lasted a bit longer than was intended, with the banking professional becoming more clearly dismayed as the truth of this story was revealed. They made statements like "this is unbelievable", "brokerages lose their licenses over stuff like this"and "he cannot just ignore you and walk away with your money."

Honest business owners do not attempt to escape from the evidence of their own wrongdoing by using subterfuge to try, and fail, to dig up something they think they can use against the person they defrauded. That, however, seems to be all David Flude has left to work with . . . empty hope.

That tendency to rely on nothing was shown within the content of the lame, anonymous, and legally vacuous 'threat' of civil action that was unsigned and which has never been filed with any court. Within it, the anonymous writer revelled in what they clearly thought was a smoking gun because in 2018, six years ago, upon winning a ruling of vexatious litigation a staunchly Conservative judge did not take favour to our producer whose media company is openly critical of that party and its politicians. Of course, David Flude failed to take notice that a few weeks later, a less partisan Justice of the Superior Court ordered a landslide of penalties against that same Conservative supporting twice judged defamatory libelist, along with an order of costs valued at $5,000.00 and a ruling of contempt.

The cowardly author of the bullying bluff, who was in truth too fearful to sign their name or file their claim, also threatened to file specific civil action against our twenty-something-year-old interns and apprentices, who while in our studio spend most of their time helping those in need within our community.

"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".

Most of our growing number of followers fully agree that given the fraud by usury, or loan sharking, and the lies and manipulation that harmed our community not-for-profit media service that voluntarily supports all local charities, not-for-profits, and benevolent community groups, we have been pretty nice to David Flude, Renee Dadswell, and Lisa Purchase, 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.

Sadly, due to their inflated egos and their apparent belief that we will just go away if they ignore us long enough, that is about to change.

As noted in our article on this Latest News page, dated March 22, 2024, while David Flude, his brokers and allies sat back confident in their own sense of entitled 'superiority', as manifested through their community influence and self-indulgent arrogance, we have been raising support from the various activist groups who we have supported for eleven years through Five Points Media. Those are the people who actually care about the victims of seemingly legitimate companies that are in fact bent on defrauding the seniors who make the mistake of trusting them.

It is time to take this story up a notch.

Starting on April 1st, appropriately April Fool's Day, we will be launching our social media campaign across six platforms. That campaign, focused on mortgage fraud in Canada, is likely to attract a lot of attention, especially given how homelessness in Canada is the highest it has ever been, and much of the reason for that is corrupt individuals and corporations working within the mortgage industry.

We will also, once again, be boosting many of our existing videos and new ones across social media on various platforms.

It is obvious from the traffic to our website and the emails and messages we are receiving that people are no longer just buying into the lies being told or regurgitated by David Flude, Renee Dadswell, and Lisa Purchase, the brokers at Verico the Mortgage Station, and that appears to include 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.

People don't like it when businesses take action that hurts charities and those in the greatest of need.

During the past few weeks, we have seen the IP addresses we have tagged as belonging to W. Mark Squire and Yvonne Ziomecki-Fisher visiting random pages, both new and well-established, and staying there for what could be perceived as an extended period. Why would these prominent and presumably well-paid professionals spend their valuable time visiting old pages, unless they want to confirm that the story told by us has been consistent from day one, or as much so as available evidence at the time would permit? The most obvious reason is to confirm or question the version of events they were told then, compared to what they are being told now, by the brokers at Verico the Mortgage Station.

It is solely as a result of David Flude's 'strategy' of hiding that the brokers at Verico the Mortgage Station and their allies lost the opportunity to resolve our producer's fully supported complaint over a cup of coffee. Instead, due mostly to the fact that these massive companies will not contest or disprove our allegations, they are justifiably being seen by their potential clients, colleagues, competitors, and media as dishonest con artists who defraud seniors and then hide from their actions. It is therefore easy to understand why their image-dependent allies might be looking for a way to get away from this ongoing story while they still hold some resemblance of credibility.

This message came in today from the referral client 'Elizabeth' whose comments we have reposted with her full consent multiple times since we exposed how David Flude lied multiple times about us and the reason for our expose documentary in a vain and ultimately unsuccessful attempt to secure the commission on Elizabeth's $800,000.00 mortgage that she needed for a new all-seasons lakefront cottage.

"Hello John.

I just came across your most recent article. I think you know I am now one of your most frequent followers and strongest supporters. I am the reoccuring blip from XXXXXXXXXX. I was just playing catchup on the latest articles since I have been busy slowly moving into our new lakefront cottage. The broker you recommended after the Flude fiasco was amazing. I do hope we can finally meet for a coffee or a beer on the deck when we are fully moved in. The vew is truly spectaculor even in the winter.

I must admit I snickered at the thought of me being described as "Elizabeth, who metaphorically emasculated David Flude like a lioness taking down a gazelle on the Serengeti." Given the awful relationship I just escaped, it was nice to be seen in a position of power.

You certainly have a vivid imagination, and the ability to draw an image with your words. That must be why you get such good results with the AI artwork. I have been playigng with it but am not getting comparable results.

Well I have to get back to unpacking. I took the week off to move over some smaller stuff and things. I will spend the spring doing outside repairs and the furniture is coming on June 1. My daughter is excited but my son not so much. I look forward to hearing from you sometime soon.

Your Emasculating Lioness, LOL, Elizabeth"

Back on February 23, 2024, on this Latest News page, we reported how we had been called upon by our website hosting company to increase our bandwidth allowance due to a dramatic jump in traffic coming to this story. Today, that happened again, as the substantially improved new hosting package we signed up for just 30 days ago has been proven a month later to be insufficient to meet our growing needs. This is not surprising when you consider the rapidly growing number of people who are finding, reviewing, and sharing this story.

We have done nothing differently except to send out one test message on a social media network of activists that reached a few hundred thousand people, but that was done late last night.

If that is the reason, and we won't know until we can analyse the data on Monday morning, David Flude, Renee Dadswell, and Lisa Purchase, 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, will truly have a damned good reason to take us off their Christmas card lists ;-) It could turn out to be the longest spring and summer of their lives.

"An inflated ego makes us susceptible to manipulation; it narrows our field of vision; and it corrupts our behavior, often causing us to act against our values. Breaking free of an overly-protective or inflated ego and avoiding the leadership bubble is an important and challenging job that requires selflessness, reflection, and courage."~ Ego Is the Enemy of Good Leadership, by Rasmus Hougaard and Jacqueline Carter, the Harvard Business Review

In a reply to an email from a referred and virtually guaranteed new client, at least until she discovered our fully supported reports and videos, David Flude, the Principal Broker at Verico the Mortgage Station pleaded:

"This is my livelihood so it's important to me."

What David Flude arrogantly chose to ignore in his pleadings is that the money he has admitted he knew his brokers stole through usury, or loan sharking, from a client of his provincially licensed and ethically bound mortgage brokerage, was equally important to that senior and veteran who had entrusted them. David Flude also failed to consider that the victim of this fraud is a philanthropist who gives so much back to his community that in 2020, at the height of the pandemic, he and his crew were 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 Commerce.

So, David Flude, Lisa Purchase, and Renee Dadswell put their greed ahead of the benefit their client provides to tens of thousands of people in need.

Honest business owners do not need to hire every conceivable consultant, representative, and specialist available to try to find something they can use to escape from the reality of their own wrongdoings. However, that is what has been happening for the past few months, as David Flude, Renee Dadswell, and Lisa Purchase, 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 scrambled to find something they believe they can use to coerce us not to tell the truth of this story. This shift in tactics came about after an anonymous agent tried and failed to intimidate us through a pathetic DIY threat of an unscrupulous Strategic Litigation Against Public Participation (SLAPP) lawsuit, that we debunked so fully in just one email that David Flude has failed to muster the courage needed to file his lies with any court.

Honest people do not threaten litigation and then evade the evidence by not filing their claim.

Since then, our various websites, including the one for Five Points Media and our commercial division, which has nothing to do with the production of this expose documentary, have all been visited multiple times daily, including on weekends, by online researchers from various cities in Canada and the United States, and by academia from multiple university campuses. We have also attracted a plethora of lawyers from various towns and cities, each of whom came to our reporting one after another like a conga line. That fast-food rate of turnover indicates that no legal professional with any ethics is interested in representing the brokers of Verico the Mortgage Station against our fully supported allegations of lies, manipulation, and loan sharking. This is also supported by how each and every one of those lawyers has turned tail and run after learning how our producer has used evidence and our status as media to very publicly debunk multiple similar attempts to abuse the courts to silence the truth. Legitimate lawyers do not hide from scrutiny.

David Flude, Renee Dadswell, and Lisa Purchase, the brokers at Verico the Mortgage Station, and their allies W. Mark Squire, President and Chief Operating Officer, at Verico Financial Group Inc. and Yvonne Ziomecki-Fisher, Executive Vice President Marketing and Sales at HomeEquity Bank, along with the lenders who choose to continue supporting them, will learn during the next few months that not all people will kowtow to the wealthy, nor abide by the orders of the corruptable 'motivated' minions in law enforcement and local politians who choose to be influenced to abuse their position or ignore criminal abuses for personal gain.

It is now obvious to more people every day that these brokers, their allies, and their 'motivated' minions in public service need to learn the word 'ethics'.

We do not attempt to hide that our producer has a thirty-year history of social activism, including working for three years as a videographer for Greenpeace overseas and other ecology-based groups in Europe and Canada. More recently, he has focused on producing numerous socially poignant documentaries and short videos about subjects ranging from racism to homophobia to the struggles of the unsheltered and about 200 other social injustices. Our producer has also written articles and produced videos in line with his experience in investigative journalism that brought down the hammer of justice through public reaction against a slumlord who contributed to the untimely death of a disabled man and unrelated charges against a fraudulent landlord who defrauded dozens of mostly single mothers through a apartment rental scam that police refused to act upon until our article was released to the public. Then, there is the eight-year-established, corrupt multi-million dollar corporation in Toronto that was sent spiralling into bankruptcy after they filed a reprehensible SLAPP lawsuit against our producer in a vain attempt to prevent him from exposing massive employee fraud. Finally, at least for the purposes of this article, there was the rapid visual demotion of a previously respected detective of the Barrie Police Service who was last seen in uniform working the evidence room after he tried to abuse the authority of his trusted position by laying unsupportable and ultimately abandonded criminal charges to suppress the story of a corrupt local politician.

At the same time, we will be 'activating' our thousands of like-minded friends from hundreds of activist groups, by sharing our posts on their social media accounts, and calling on them to do likewise. The brokers at Verico the Mortgage Station might be able to 'motivate' detectives of the South Simcoe Police Service to omit key evidence of the crimes committed and to falsify evidence through deliberate miscalculations to avoid having to lay charges against wealthy and well-connected brokers. Likewise, the politicians of Simcoe County Council can choose to be motivated to look the other way. However, what will they do when a hundred protesters with picket signs show up at the offices of the brokers of Verico the Mortgage Station or those of Verico Financial Group Inc. or HomeEquity Bank along with media from various news networks reporting on the story?

If you are naive enough to think this can't happen, think about the suggestion of pickets that was offered by a senior member of a local union. That man, who our producer later met, lives just down the road from the offices of Verico the Mortgage Station, and he offered to provide a base for picket rotation. We have also been offered the use of a park and walk billboard van similar to the one in this picture that we could ask our local friend to park outside the offices of Verico the Mortgage Station early each morning during the summer months, or across the street.

On Tuesday, March 19, 2024, we received an email from a man identifying himself as:.

"Hi. My name is Jim and I am a broker from a different company.

A lot of us are reading your stuff because it is like watching a crash on the highway. You just cant turn your head no matter how graphic it gets.

What the hell is wrong with these people? They did wrong, and you caught them. That is where it should have ended. Obviously you are a standup guy as we can all see from your obsession with helping your community. Them compared to you is like night and day. Why cant they see the damage they are doing to themselves?

I have met Flude. He is like beige paint - easy to not notice and forget. That seems now to be a mask for something else or maybe he is just not able to man up and deailing with his mistakes. He should have nipped this in the bud a long time ago because I am not the only one finding your story.

I have attached a file that might help you. You can include it in your evidence page if you ever get that done. I think you should go to the FSRA to file a long overdue complaint. I get you are cynical after the corruption at the Simcoe police, I would be, but at least you have it on file and can show the hypocrisy and corruption in your documentary.

Our industry needs an enema, and some of us are thinking it might be you who leads to needed changes. Keep up the good work."

It is interesting how, when confronted with the truth of their own crimes by a person who is not driven by money, these multi-million and multi-billion-dollar corporations have no idea how to resolve their issues.

Corruption and abuse of trust cloaked as ethical service have long been seen as the sleazy, lazy, and fraudulent path to success. While most people honestly earn their way in this world, others will unethically take advantage of any opportunity, such as by abusing a trusted position to defraud a senior and veteran through the indictable criminal offence of usury, or loan sharking. By doing so, they knowingly cast aside their ethics, their legal obligations, and their responsibilities to their client and society. Meanwhile, others, who have earned the trust of many through their actions, set aside their own needs to help those most in need within our shared society. David Flude and his brokers, Renee Dadswell and Lisa Purchase, are examples of the former, while our producer and crew represent the latter.

"The measure of a man is what he does with power."Plato.

In an email we received yesterday, and will be posting here later today, the writer, who identified himself as 'I am a broker from a different company' noted how the ethics of David Flude, Renee Dadswell, and Lisa Purchase, 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, when compared to our team are 'like night and day'. He also described the facts of our reporting as 'like watching a crash on the highway. You just cant turn your head no matter how graphic it gets.'

"The ultimate measure of a man is not where he stands in moments of convenience and comfort, but where he stands at times of challenge and controversy." Martin Luther King, Jr.

As was noted in our letter to the lenders, dated March 15, 2024, many of whom we know are now following this story:

This afternoon we experienced another frantic search of the website of our commercial production company, with the visitor following a pattern that we have come to call a drive-by shooting. It started at about 1:30 pm and lasted for a little less than 20 minutes. During that time, the visitor viewed 20 pages from a Rogers connection in Barrie, ranging in time from two minutes to a few seconds per page.

The odd part is that our commercial video service is not involved in producing this documentary.

The brokers at Verico the Mortgage Station claim they are innocent of our allegations, and that we are lying about how they loan sharked a senior and veteran, and they deny that David Flude has demonstrated a pattern of repetitive lying, six times in two emails (1) (2), to evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA). They also don't seem too eager to sit down with us on camera so they can explain their side of the story, which would help them if they were honest, or to sue us or to seek an injunction against our evidence-supported reporting as they threatened to do through a lame, anonymous 'Notice of Libel' that they have never filed with any court.

The number of days since that threat can be seen in the lower counter at the top of this page.

What kind of multi-million-dollar corporation with multi-billion-dollar support would allow the claims of our small, not-for-profit, social enterprise community channel to go unchallenged, unless of course it's because we have the evidence to back up our claims, and 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 know it.

They remind us of Trump fishing for 11,780 votes.

It has been quite a day here for our crew of Five Points Media, as we were showing our respects to a homeless man of 75 years who sadly passed away in a wooden shack in what most people would consider a garbage dump. No human being should be made to live or die that way. In sharp contrast to the reports we have received about the lies being told about us by David Flude and his brokers at Verico the Mortgage Station, our actions speak as to who we really are. We got to know Rick from the outreach program that we directly participate in three nights a week, when we take food, fluids, clothing, and other necessities of life to those living without proper shelter on the streets and in encampments.

Does that sound like the 'agitator' that David Flude has claimed about our producer, or is he more likely somebody of ethics exposing abuses?

Despite the busy calendar, we did manage to set up six social media accounts on as many platforms. Later this week, when they are fully formatted, we will be using those pages to promote our pending documentary across the country. We now have profiles on Facebook, Instagram, Twitter/X, Reddit, and two others that are awaiting confirmation. Others will follow over the next few days, and we will release the addresses as soon as the pages are fully approved and populated. Then, we will be posting all of our videos, most of our articles, and multiple links to our Index/Latest News and various story pages on all six popular platforms. We will also be using the targeted Facebook and Instagram pages to boost our videos across Simcoe County and then to a national audience, as we started to do a few months ago. We will also welcome any help from our anonymous online promotion expert.

We also now have online marketing software that uploads posts to various different platforms all with the click of a mouse.

A few weeks ago, on March 12, 2024, on this Latest News page, we posted how we were changing the structure and page filing system on the website to improve our page ratings on Google and the other search engines. Yesterday, March 15, 2024, following our latest email to the various lenders who provide funding for the brokers at Verico the Mortgage Station, our anonymous online promotions expert reached out to give us advice on how to improve it further.

We are journalists and documentary film producers, not online marketing experts, so any guidance from this optimization expert is welcome.

They suggested using the Latest News page for short updates only, and to "tease and redirect"longer pieces, as we did with the 'tease' of the article dated March 15, 2024, which 'redirected' followers to the article entitled: "Letter to Lenders - Public Image - Verico the Mortgage Station". They also suggested grouping several of the commonly themed 'Latest News' stories, like those about David Flude's apparent inability to retain counsel for his lame threatened unethical Strategic Litigation Against Public Participation (SLAPP) lawsuit, onto a separate formatted page as layered articles that we could also link to in all other articles. We do that on all other reports, but the structure of the Latest News page is different, and we would have to use a technique called 'anchoring' for each article, which is not supported by all browsers. The originals would be left on the Latest News page, right where they are.

The online marketing expert explained that by doing this we get two bites at the search engine apple.

So, now we will be 'teasing and redirecting' the article added today, which we posted as a follow-up to our email to the lenders, and we will be creating new pages by combining the content of the shorter posts of similar subject matter and merging them onto an extra page.

Yesterday, we sent another letter to the lenders who provide financing for the mortgages arranged by the loan shark brokers at Verico the Mortgage Station. The result was hundreds of hits to our website within the first hour, coming from across Canada and the United States, including both established followers and new ones.

The ratio was about 35% vs 65% respectively, which is about exactly what we hoped for.

The lenders we wrote to include, but are not necessarily limited to:

The interest raised by this email was considerably higher than that of previous correspondence.

Essentially, they all came to this Latest News page, and several spent an hour or more reading through our newest content. Many also went to the page of the header video, entitled "Lies, Manipulation, and Loansharking - Verico the Mortgage Station"where most parked for the lion's share or full length of the 23-minute tell-all video. It is obvious they have questions, and that video answers a lot of them.

If you watch only one video to understand this story, we recommend that one.

Good afternoon, and happy Friday.

Most of you know who I am, but for the lenders who might not, and for those viewing this email on our website as a first-time visitor, my name is John Ironside. According to David Flude's reply to an email from a potential client named Elizabeth, who outed him for deception and misrepresentation, I am known to the brokers at Verico the Mortgage Station as the 'agitator'. Given the evidence of his character, as demonstrated so far by his actions, it is not surprising that this personal assessment of me is far from the truth.

I am the producer of community programming at Five Points Media, located in Barrie. We are a highly-respected, multiple award-winning, not-for-profit social enterprise media service that has donated more than $700,000.00 worth of fully gifted services through the production and donation of more than 350 fundraising and educational videos for more than 180 charities, not-for-profits, and benevolent community groups. Our services have been deemed so valuable to our community that in 2020, at the height of the pandemic, we were nominated and voted to the highest level for an award for altruism that was presented by the City of Barrie and the Barrie Chamber of Commerce. Our production capabilities have been significantly reduced due to the actions of the brokers at Verico the Mortgage Station, but we are still helping as we can. Our latest video, for the March Mullets campaign for Simcoe County Youth Mental Health will be uploaded sometime today.

The attached picture is of me last night, helping as a volunteer for Ryan's Hope at a coin laundry, where we provide the soap, dryer necessities, and the coins needed to assist struggling families and our homeless community to do their laundry. The program is intended to remove the need for a choice between buying food or doing laundry.

The night before that, we travelled to two homeless encampments to help those in the greatest need; one group sought help due to eviction and the other's need stemmed from a fire. Everybody talks about helping those in need, but our small team puts boots on the ground, and we get our hands dirty. Like any business, yours should be concerned about your public image online, and in that light consider these comments: "WTG John. Bravo!. Great work John. You are a giving soul. Love this! Great. A need no one else has thought of - and then did something about it."

If the email we received on Tuesday (Latest News - March 12, 2024) is legitimate, and from viewing the pattern of visits from across Canada to our website, it is clear that the brokers who operate their businesses under the flag of Verico Financial Group Inc. are becoming more interested in learning the truth about our ongoing reporting.

Our focus has been primarily on the brokers at Verico the Mortgage Station who committed fraud by usury against a senior and veteran, then lied six times in two emails (1) (2) to evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA), then hid for 18 months to evade having to answer for their actions, then 'motivated' an officer of the local South Simcoe Police Service to omit evidence and falsify calculations, and then 'threatened' our producer and specifically our twenty-something-year-old interns and apprentices with an unscrupulous Strategic Litigation Against Public Participation (SLAPP) lawsuit through a lame, legally unsupported, do-it-yourself allegation of libel that we so fully debunked, the anonymous writer representing the interests of the multi-million and multi-billion-dollar corporations lost the courage to file the claim in any court throughout the time shown in the counter below.

Try saying all that in one breath.

It only took 634 days, but we finally learned of some evidence that shows there was a time when David Flude displayed ethics, and acted in the name of justice for somebody who was not himself. He does not even appear to have profited from the act, nor does it appear he defrauded anybody by doing it. Sadly, that discovery, that was sent to us by somebody who identified themself as David Flude's former friend, also reveals a phenomenal, but not surprising, level of hypocrisy.

'There are three things in the world that deserve no mercy, hypocrisy, fraud, and tyranny.'
- Frederick William Robertson

This Facebook post is from a GoFundMe appeal posted by Marilyn Hayward, a grieving mother who appears to have lost her son to brutality by guards at the Edmonton Remand Centre. We commend her courage in seeking to fight for justice. As that post may very well now disappear, she noted as follows: "My name is Marilyn Hayward. In August of 2021, my son Danny was taken to the Edmonton Remand Centre for an unpaid fine. In Alberta, they have a system called "Pay or Stay". Danny had to stay the night because I did not have the money. The family came up with the money the next day. The day Danny was killed. The fine was paid. While he was being lined up to be released, guards assaulted him - they claimed he became "confrontational" (he was being released; why would he jeopardize that?!). We later learned from an eyewitness who came forward that Danny was not confrontational. Rather, Danny was talking to the witness and trying to help him."

This is a two-year-old post, so all we can hope is that this grieving mother was victorious in finding justice.

The 'honest' and 'ethical' 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 shown that they are too afraid to take any purported defence against our allegations to any court, or even to hire a lawyer to threaten us effectively, as opposed to relying on a lame, unsigned, anonymous 'Libel and Slander Notice' that was sent to us anonymously through a generic email account.

For what possible reason would multi-million and multi-billion-dollar corporations be so afraid of a small, not-for-profit, social enterprise?

Throughout the past couple of months, this website, and the one associated with Five Points Media have been scanned very frequently by IP addresses based mostly, but not exclusively in American cities including Phoenix Arizona, Chicago Illinois, New York NY, Canton Texas, Ashburn and Tappahannock Virginia. We also apparently have quite the fan in Sonīpat Haryana India. There is little chance that a random group of American and Indian reviewers using professional online connections are so ravenously obsessed with a collection of videos we produced and donated to help our community's most desperate and altruistic.

We were born on a day, but it was not yesterday.

This 'research' is being undertaken in a vain attempt to find something . . . anything . . . the guilty believe they can use to coerce us not to report this story. They have huffed, puffed, and bluffed by trying to threaten us with the use of a legally and ethically contemptible Strategic Litigation Against Public Participation (SLAPP) lawsuit which we slapped down with facts so hard they never even replied. They also know our producer has a track record of winning 100% of the time in various courts as a self-represented litigant whenever somebody has tried similar action to suppress our journalistic right to Freedom of Expression and Freedom of the Press.

Today, once again without provocation, we received an anonymous email from somebody claiming to be a broker working under the umbrella of Verico Financial Group Inc. We have no idea if this guilt-driven plea for understanding was true, and given the apparent games being played over the past week, (Latest News - March 10, 2024), we have more than sufficient grounds to suspect manipulation.

The writer admitted that their email address was a freshly created account that would soon be deleted.

The unidentified writer said our articles had harmed their business, and as they are the parent of a child with special needs, we were doing them harm even though they had not hurt us. Our producer has not kept it secret that his son is on the Autism spectrum and that his stepdaughter of 12 years is stricken by Cystic Fibrosis. So, this email seemed a bit tailored to build an empathetic bridge.

Sadly, the writer was crying to the wrong people.

We have offered 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 multiple opportunities to disprove our claims through an on-camera interview, and even to meet on a without prejudiced basis, at which time they could disprove our allegations using their own tangible evidence.

They have repeatedly ignored our offers to provide evidence that would end our expose documentary.

All they have done is hide for 18 months and then 'threaten' us with an abusive Strategic Litigation Against Public Participation (SLAPP) lawsuit as put forth through an anonymous do-it-yourself 'Notice of Libel' that we fully and effectively refuted, and which they have all been too afraid to actually file with any court.

There is an old adage that says "give your audience what they want, and they will always come back for more". We can respect that philosophy, as clearly what our readers and viewers are most interested in is our Latest News page.

That page is by far the most visited, often several times a day by the lenders and other interested professionals, like competing brokers.

We have also learned that our Latest News blog, being the most updated page on the website, should be the homepage as that is what all of the search engines scour most thoroughly. Then, they visit again much more often if the content is updated regularly, as it is with our story. So, the page entitled 'latest-news-verico-the-mortgage-station.html' will now become 'index.html', and a very short synopsis with a drop-down block will be included at the top of the page, as is now the case on the Latest News page.

We currently renew the date on every page, but we have learned that is not enough.

When the search engines, and especially Google, visit the page entitled 'index.html', the robots and spiders check out all the links, which we provide in abundance on our current Latest News page. The connected pages are then scanned, meaning the entire website is more thoroughly reviewed for information, videos, photos, and other information.

By shuffling the deck, we will optimise our search engine status with each update.

So, if all goes right, tomorrow the Latest News page will be the homepage, and the current Homepage - Synopsis page will be renamed and linked as needed. We will also have a blank page called 'latest-news-verico-the-mortgage-station.html' that will automatically redirect the visitor to the new homepage as we have done to all of the original articles on the Five Points Media website.

Five Points Media has been in service to our community since August 2013, when our crew told the story of a 15-year-old girl who swam across Lake Ontario to raise funds so she could help send a young boy suffering from leukaemia to Disneyworld through the 'Make A Wish Foundation'. Since then, we have donated more than 350 fundraising and educational videos to 180 plus local charities, not-for-profits, and benevolent community groups, valued at more than $700,000.00 in fully donated services. We have also worked with the Mayors of Barrie, Innisfil, Oro-Medonte, the Chiefs of Police of several of those regions, and also every Member of Parliament and Member of Provincial Parliament who have represented various parts of Simcoe County during the past nine years. Sadly, we are no longer able to provide these services due to the fraudulent actions via usury that were undertaken by the brokers at Verico the Mortgage Station.

In 2020, at the height of the pandemic, our services to the community were deemed to be so important to those in the greatest of need that our crew and producer were nominated and voted to the highest level for an award for altruism that was presented by the City of Barrie and the Barrie Chamber of Commerce. As can be seen in the reviews of those we have assisted, our benevolent nature and strong support for our community is well-known and our services are highly respected.

So, it is safe to say very few people do not like us.

As we reported here on the Latest News page on March 6, 2024, we received a weird out-of-the-blue request by a stranger in Innisfil to park a live-in trailer on our property that if granted would have created a scenario extremely similar to a story we reported that was about the abuse of a disabled man who died in a frozen trailer in the backyard of a slumlord's rental property.

That story is what the prospective lawyers for Verico the Mortgage Station read before immediately leaving the website never to return (Latest News - March 01, 2024). It is also a strange fact that within seconds of our producer replying, clearly declining the offer and stating that he could never be that much of a hypocrite, two people, one in Barrie and one in Alliston, went directly to the links provided in our producer's reply. That is very strange when considering it is a seven-month-old post about renting some rooms that seems unlikely to be drawing a lot of attention. That is compounded by the fact that both locations accessed the story within a few seconds of each other, and both communities are home to at least one of the brokers of Verico the Mortgage Station.

Then on Friday, things got weirder.

Again, out of the blue, in the middle of the day, a stranger called our office saying he wanted to produce a documentary. That is an unusual request, but not unheard of, and he said he had a budget with which he could move forward. Our producer listened, at least until the caller started talking about killing all the politicians and ambush interviewing Justin Trudeau. At that point, the internationally experienced journalist deflected the caller and tried to talk him down. Our studio is very secure, but we would rather avoid unwarranted confrontation over an issue of rudeness. Then, the caller started talking about killing child molesters, which had nothing to do with the previous discussed topics, at which point our producer cut the caller off, wished him well, and hung up the phone. The caller did not call back, nor take any kind of retaliatory action. He simply went away.

Despite working in media in Simcoe County for more than 11 years, this was our first call of its kind.

Most people like to leave work at the office and enjoy their downtime with family and friends. They also usually like to sleep through the night without worrying about what is happening that can affect their job. Sadly, for Yvonne Ziomecki-Fisher, Executive Vice President Marketing & Sales at HomeEquity Bank, following our story seems to have become a steady part-time side gig.

Insomnia can lead to hypertension, diabetes, obesity, depression, heart attack, and stroke.

The normal workday for most people is 9:00 to 5:00; however, last night, the tag our tracking service has associated with Yvonne Ziomecki-Fisher actively accessed the content of our website eleven times outside of those hours, at which point the viewer visited multiple pages during each visit at 5:45pm, 6:49pm, 9:35pm, 10:45pm, 2:09am, 2:34am, 3:05am, 5:50am, 6:01am, 7:12am, and 8:29am.

We think we know why she is suddenly so interested.

HomeEquity Bank has a bit of a bad reputation, and for the most part it has little to do with them. The lion's share of the stink around their name originates in the United States where a similarly named promoter of reverse mortgages was accused of defrauding seniors. However, now they have stepped in it all on their own by choosing to support the mortgage brokers at Verico the Mortgage Station who chose to defraud the wrong senior and veteran through loan sharking.

Now the truth is being promoted across the country and is being shared through social media.

People are not the fools these financial 'professionals' appear to believe them to be. We all know that when there is this much smoke there is a fire and that no multi-million or multi-billion-dollar corporation would let their names be 'defamed' without taking legal action, especially after sending a lame, anonymous threat through a generic email account that they are too afraid to take to court.

We are not going to say that we know this is one hundred per cent fact, but it is very strange and worthy of carefully considered conjecture.

Back in August of 2023, our producer advertised two rooms available for rent in his house. He knew the housing situation in Barrie was absurdly tight, and that far too many people were facing a long and cold winter on the streets without shelter. The offer was first made to his friends on Facebook, as many of them are advocates for the homeless. The rooms were filled very quickly by two struggling individuals who were on the verge of losing their respective homes, and he never really thought about it again.

Then today, more than seven months later, completely out of the blue, a guy identifying himself as Francis, and identified by Facebook as living in Innisfil, wrote the following: "I'd like to rent a parking spot on your driveway. I have small camper or tiny home. I only require hydro. Call me plz 705 XXX XXXX".

At first sight, that might not seem so weird, but the scenario he was suggesting, to park a trailer on our property during the winter, was very much the same as what happened to our friend Bear, for whom we advocated after he died in a poorly heated, uninsulated deathtrap that had no functional cooking facilities or working bathroom. That story is also the one that all of the lawyers visit before turning tail and running away from the anonymous huff, puff, and bluff unfulfilled promise of civil action that was 'threatened' lamely by the brokers at Verico the Mortgage Station if we did not comply with their demand to take down our story and apologise for telling the truth.

This morning, we were visited once again by a mysterious hidden online phantom who reviewed multiple pages of this website, and those of our altruistic not-for-profit social enterprise media company, Five Points Media. Like all of the other anonymous ghosts who have dropped in for whatever purpose this served, the clandestine auditor of our community work was hidden behind a proxy server that claimed they were visiting from Gdansk, Pomerania, Poland.

Honest people do not hide who they are.

As can be seen from the counters below, it has been approximately 1.75 years as of today's date since we published our first article about Lies, Manipulation, and Loan Sharking at Verico the Mortgage Station, and despite the now 40 articles and close to 100 updates on this Latest News page, that have been found and read by more people than even we can accurately count, coming to us from all provinces and every major city, David Flude, the Principal Broker at Verico the Mortgage Station has never risen to defend his company, nor the reputation of his brokers. He has also never made any attempt, even by email, to dispute our claims that we learned through an angry third party he is privately misrepresenting by saying whatever he feels will convince them to hire him.

Multi-million and multi-billion-dollar corporations should have no reason to fear a small not-for-profit community media service.

We are media, and if you have been told otherwise, we invite you to review our work from just last night, seen here and here. We have not been reporting as much during the past few months as we did during and before the pandemic, but a big part of the reason for that is we were defrauded by usury, or loan sharking, and manipulated in a way that cost our benevolent community channel tens of thousands of dollars when the brokers at Verico the Mortgage Station chose to manipulate our producer into being forced to 'accept' usury, or loan sharking.

This morning, our crew gifted services to yet another local benevolent organization. So far, our fully donated services to those in need have exceeded 350 videos, valued at more than $700,000.00, donated fully to more than 180 charities, not-for-profits, and benevolent community groups. In this case, we were helping to raise funds to assist programs that support youth mental health in Simcoe County. Yesterday, we spent several hours helping a benevolent Barrie community group sort donated clothing for our local homeless community, and on Friday, we were providing street outreach to those living without shelter in our community, providing them with hot food in the form of pizza and the necessities of life.

We're not reporting this to win credit but to provide the evidence and facts that will debunk the self-serving lies we are told are being said about us.

Maybe it is time for you to regain your reputations, your souls, and your self-respect, before you go down like a rat in a pirate ship. After being seen so clearly to support the brokers of Verico the Mortgage Station for as many days as is shown below, you must be getting tired of being seen by your colleagues and competitors as nothing more than the pathetic puppets of pathological liars who have clearly committed crimes like usury or loan sharking against a senior and veteran and who by their actions forced the shut down of a vital service to charities, not-for-profits, and benevolent community groups that was deemed so valuable to those in need that the producer and his team were 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 Commerce.

We have never heard of insomnia being contagious, but it certainly seems to be catching amongst 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.

We can't imagine what is keeping them all up at night.

A few days ago, on February 26, 2024, we noted here, on the Latest News page, that the IP address we have tagged as being associated with W. Mark Squire visited about 30 pages of our website within about half an hour, and within about 90 minutes the IP address associated with David Flude skimmed about 150 pages. That is a very short time to visit that many pages and many of the visits were very short, for only a few seconds.

That observation suggests a strong sense of panic.

Then, on February 29, 2024, again on this Latest News page, we noted how the IP addresses that we have linked during the past year and a half with 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 visited our story multiple times during one night, suggesting insomnia.

Last night, that was all blown away.

We noted this morning six visits overnight during a roughly ten-hour period from the IP address we have tagged as being associated with Yvonne Ziomecki-Fisher. That pattern suggests serious concern regarding the following that is now growing steadily in support of our expose documentary about fraud and abuses of trust within the mortgage industry in Ontario that is currently in production, which locally is focused on the brokers at Verico the Mortgage Station who defrauded a senior and veteran via usury, while knowingly taking action that has deprived local charities, not-for-profits, and benevolent community services of access to a vital donated service that assisted greatly in fundraising and education.

Those pillow denying visits were at 10:36 last night, and then at 02:18, 04:08, 05:59, 06:25, and 08:41.

In addition to screening various other pages on each call, the visitor went consistently to this page each time they returned. Do they believe we are lying awake at night updating this story? We are sorry to disappoint, but we have nothing to hide and no reason to suffer the stress that causes insomnia. We are telling the truth, and we can back it up, which is why despite lame and anonymous threats of civil litigation, sent presumably by David Flude via a generic email address, which specifically threatened our young apprentices who donate so much to our community, we did not remove this story when threatened, and we will not be doing so. Regardless of our refusal to comply with the threats, no action has been filed, or ever discussed again.

We keep hearing from various people living in and around Simcoe County, many of whom found us while looking for the brokers at Verico the Mortgage Station, that a story is being spun that we are not real, that there is apparently no production company, and it is being claimed that our documentary is nothing but a scam. We will acknowledge the validity of those claims if any of 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 can show a single iota of evidence to suggest we have ever asked for anything other than an on-camera interview, or a without prejudice meeting, during which they could counter our allegations through the use of evidence, if they have any.

Maybe they should take up the authenticity of our studio with the Barrie Historical Archive.

We don't know how long the brokers at Verico the Mortgage Station believe they can just keep lying, but our 14-year established commercial video production business is very real, as is demonstrated in this article that was published yesterday. The Barrie Historical Archive focused more on the history of the building, but the name of our commercial production company is clearly visible on the side of the building. Inside, as we have established through photographs and video, we operate two video and media studios including an active kitchen set, a wide range of production options including a 250 cubic foot all glass sound booth, full location services, multiple post-production suites, a photo studio, and three very cute puppies, two of which were rescued from nightmare scenerios. We also make available through our website and via YouTube, and on the website and YouTube channel for Five Points Media, examples of the hundreds of commercial and community videos we have produced.

Sorry purportedly ethical professionals, but once again the truth is in the evidence.

They won't deny our allegations, they 'threatened' us with litigation, with a special focus being on our young apprentices who dedicate their lives to helping others, but they clearly fear taking the evidence to court, and they won't meet for a without prejudice meeting to discuss the accuracy of our reporting. Regardless, while we are supporting what we say, they apparently believe everybody must believe them because they are multi-million and multi-billion-dollar companies to whom the minions must bow and scrape. Of course, they can, and likely will, go so far as to claim this is all a lie, and maybe even say there is no Barrie Historical Archive and all those videos of our producer and crew recording interviews with mayors, chiefs of police, federal and provincial politicians, and other people of influence are also fake.

Are they all AI? Did we fake all those videos?

Are we lying when we report how our crew has paid it forward with more than $700,000.00 worth of services through the donation of more than 350 fundraising and educational videos to more than 180 charities, not-for-profits, and benevolent community groups? Are we lying when we report that we were nominated during the height of the pandemic and voted to the highest levels for an award for altruism that was presented by the City of Barrie and the Barrie Chamber of Commerce?

It doesn't take Perry Mason or Matlock to understand that if a multi-million-dollar corporation cannot find a lawyer or law firm to represent them in litigation they have threatened to instigate, and if that company is only willing to threaten from anonymity but takes absolutely no action, well there is likely a bit of a problem with the legitimacy of the proposed civil claim. We have been telling this story for the number of days shown in the counter to the left, while the counter on the right shows how long it has been since we ignored the deadline dictated by the anonymous agent for Verico the Mortgage Station who thought wrongly that they could threaten us into silence through a lame, legally unsupportable, and unsigned threat of litigation.

For several months, we have seen a steady flow of visits by professional IP addresses across Ontario, Manitoba, and even from the United States.

All of those visitors went directly to one specific story on our Five Points Media website as if they had been provided with a link, and we were able to identify many of the visitors as being lawyers or law firms due to the name on their server firewall Internet point of access (Latest News - January 20, 2024). The story they all go to is about a slumlord who through negligence contributed to the untimely death of a disabled man by renting to him a summer-only trailer that lacked sufficient heat for the winter, had no insulation other than that donated by concerned neighbours, no working cooking facilities, and frozen plumbing. The article was our producer's response to a lawyer who had threatened to file a Strategic Litigation Against Public Participation (SLAPP) lawsuit in an attempt to silence the story by intimidation.

Earlier this week, on February 26, 2024, we noted here on the Latest News page how IP addresses we have tagged as being associated with W. Mark Squire, President and Chief Operating Officer, Verico Financial Group Inc., and David Flude, the Principal Broker at Verico the Mortgage Station had together visited about 180 pages during a period of about 90 minutes, with much of the browsing being very quick flybys of only a few seconds per page. That obvious panic attack was caused by something to which we are not privy, like maybe a lender setting a deadline for 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 to stop wrecking the image of the mortgage industry in Canada.

Last night's activity essentially confirms that something big is happening behind the scenes.

We all get insomnia. It is usually caused by stress, which would explain the nocturnal visits last night by IP addresses that we have linked during the past year and a half with 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. As can be seen in these screengrabs from our visitor log, which have been assembled together for easy viewing, the IP address associated with Yvonne Ziomecki-Fisher viewed our posts at 01:43, followed by W. Mark Squire at 04:31, and then Yvonne Ziomecki-Fisher came back at 05:50, just four hours later. This data shows only the details of the first page of their visit, but both visited multiple pages.

This morning, we were visited by yet another obvious lawyer. According to our visitor logs, this is about the twentieth such professional visit, but no two reviews are attributable to the same lawyer. There must be a damned good reason why so many lawyers are declining this retainer. This lawyer was based in Oshawa, and he or she went directly to one specific two-year-old article located on our Five Points Media website. Clearly, they had been provided with a link. That article, from February 2022, is about how a wannabe tough-sounding lawyer threatened us with a transparent abuse of the purpose and intent of civil court through what is known as a Strategic Litigation Against Public Participation (SLAPP) lawsuit.

Just about everybody over the age of thirty knows this scene from Monty Python and the Holy Grail when King Arthur comes across the arrogant and self-important Black Knight who will not let him pass. The ominous character is confident of his invulnerability, to the point of absolute absurdity, as he is dismembered of all limbs and still challenges the victorious Arthur 'Running away eh? You yellow bastard. Come back here and take what's coming to you. I'll bite your legs off!' Metaphorically speaking, this is where we are now with regard to this story. It is unquestionably obvious to ALL outside followers of this story that 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 exhausted all means by which they can excuse their criminal and unethical actions.

The only people who can't see that is them.

From our visitor logs we can tell that they have tried repeatedly but apparently failed every time to retain legal counsel (Latest News - February 07, 2024), all of whom came and went after learning that our producer has a 100% success rate fighting and defeating in various courts abusive actions that are known as Strategic Litigation Against Public Participation (SLAPP) lawsuit. Despite their huff, puff, and bluff, the brokers also chose not to go it alone in court after sending to us a lame, do-it-yourself, frankly pathetic threat of civil action, in which they threatened the twenty-something year old apprentices of our not-for-profit social enterprise community channel that has paid forward more than $700,000.00 in services through the production of more than 350 fully-donated fundraising and educational videos for greater than 180 local charities, not-for-profits, and benevolent community groups, and who, in 2020, at the height of the pandemic were nominated and voted to the highest level for an award for altruism presented by the City of Barrie and the Barrie Chamber of Commerce.

It also seems obvious that a lot of their former supporters are turning their backs on them.

Before that 'threat', the best they could do was hide and wallow in denial, hoping against all hope that we would just go away. Meanwhile, in a place we call reality, our following grew, more people across Simcoe County learned the truth, and we managed to secure backing for a full-length expose documentary about mortgage fraud that will feature the brokers at Verico the Mortgage Station and their allies at Verico Financial Group Inc. and HomeEquity Bank. They will be in good company with a collection of stories about several other criminal and unethical abusers of trust in the mortgage and real estate industries who were caught actively defrauding hard-working clients, just like what was undertaken by the brokers at Verico the Mortgage Station when Renee Dadswell charged our producer 198.25% interest on a short term loan after Lisa Purchase manipulated him into having to accept it and David Flude allowed it to happen while fully aware of what his brokers were doing and the crimes they were committing.

Although we cannot conclusively guarantee that the frenzied feedingfest on our website yesterday (see article directly below - February 26, 2024) had anything to do with an outside influence, it would appear from recent traffic that those who are associated with the brokers at Verico the Mortgage Station, who originally supported their tall tales and outright lies, are becoming frustrated with:

1. David Flude's apparent inability to pull on the big boy pants and deal with the ongoing factual and supported exposure of Renee Dadswell's fraud by usury and Lisa Purchase's games of stall and delay that set the mark up by stretched the lending process from a promised three weeks to nine.
2. David Flude's multiple blatant violations of the regulatory requirements of the Financial Services Regulatory Authority of Ontario (FSRA).
3. David Flude's decision to lie six times in two emails (1) (2) to evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA).
4. the lies being told to by David Flude to clients shared by his allies include some whoppers told to a potential new client who sought a mortgage of $800,000.00 but ended up taking her business and a commission of about $8,000.00 to another broker after she called out the repetitive liar, and cited our reports and videos to debunk his multiple deceptions.
5. how for more than two years, the brokers at Verico the Mortgage Station have known that their criminal and unethical actions damaged a benevolent community service that has donated hundreds of thousands of dollars in services to hundreds of charities, not-for-profits, and benevolent groups.
6. how David Flude, while hiding behind anonymity, sent or approved an embarrassing huff, puff, and bluff 'threat' of civil litigation that despite the passage of time below, has never filed it with any court.

Earlier today, starting at around 1:30 in the afternoon, an IP address we have tagged as being associated with W. Mark Squire, President and Chief Operating Officer, Verico Financial Group Inc., visited our website and started browsing through our various articles in what can only be described as a haphazard fashion. Then, another IP address that we have tagged as being one used by David Flude, the Principal Broker at Verico the Mortgage Station joined him. The first visitor was from the Hamilton area, while the second was from Alliston, which just happens to correlate with what we know of each man's home residence.

That was the start of the feeding frenzy.

Within about half an hour, the IP associated with W. Mark Squire visited about 30 pages, and within about 90 minutes the IP address associated with David Flude skimmed about 150 pages. That is a very short time to visit that many pages and many of the visits were for only a few seconds.

This pattern of random access for extremely short periods is indicative of panic.

For more than 18 months, 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 chose to hide from the truth of their crimes and/or unethical behaviour. The brokers at Verico the Mortgage Station have refused to meet with the victim of their crimes, our producer, despite knowing that refusing to meet violated the 'regulatory requirements' of their licensing body, the Financial Services Regulatory Authority of Ontario (FSRA). Meanwhile, management at Verico Financial Group Inc. and HomeEquity Bank have turned a blind eye to the loan sharking of a senior and veteran who is the sole financial support of a benevolent community service that has donated $700,000.00 worth of services to their community through the donation of 350+ videos to more than 180 charities, not-for-profits, and benevolent community groups.

We have been advised of many of the colourful tales being told about us by 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. So, we thought we would push aside the lies with some documented details of what our producer calls a day on the weekend when most people are relaxing.

Every Friday, Saturday, and Sunday starts at 6:00 am so he can get up in time to make it to Trinity Anglican Church in downtown Barrie, where he helps as a volunteer to unload several hundred pounds of food and supplies so that a group called Ryan's Hope can feed a minimum of a hundred homeless and in need people through a program they call the Ryan's Hope Community of Love. Yesterday, Sunday, February 26, 2024, the number was closer to twice as many as normal due to the extreme cold. If you look at the header picture of that page, you will see our producer at the far left of the screen, with his arm in the air, catching some sun.

On this particular Sunday, our producer then travelled with Ryan's Hope advocates to Hamilton to set up tents on the front grounds of City Hall where they invited members of the homeless community to join them for warmth, shelter, and hot food. All three of those small gestures of support are vital to the survival of these fellow human beings, but as is the case in many cities, the municipal politicians have taken steps to make life harder for them, evidently hoping they can push our most vulnerable citizens to go somewhere else rather than dealing with the issue.

We are not posting this for any reason other than to debunk the lies being told about us. We have to admit this misdirection comes as no surprise as despite the documented reality that all three main characters of interest in our documentary have admitted in writing that they stole money by usury, (Renee Dadswell), (Lisa Purchase), (David Flude), they continue to feign innocence for whoever is foolish enough to listen.

Nobody with any sense of business acumen sets out on a plan to lose money. However that is, evidently, the ongoing strategy of 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. We say this because none of them has shown the courage required to stand up and disprove or even refute our allegations of usury, or loan sharking, of a pathological level of lying, and deliberate deception, that serve collectively to defraud their mutual clients, most specifically targeting vulnerable seniors.

However, nobody has grounds to pity them, nor the allies who ignore their ethics to support them.

Nobody forced Renee Dadswell to commit usury, or loan sharking, which is an indictable offence punishable by up to five years in prison, when she charged 198.25% on a short-term loan to a senior and veteran. Also, nobody forced Lisa Purchase to stall and delay the mortgage process from three weeks to nine to coerce their mark to accept such outrageous and illegal costs of borrowing.

What kind of an entrusted financial business swindles seniors and veterans and then hides for 18 months?

Also remember, that from day one, back on June 18, 2022, these trusted brokers were fully aware that their mark personally financed a benevolent community service that during the past decade has donated more than $700,000.00 in services through 350 plus donated videos to more than 180 local charities, not-for-profits, and benevolent community groups. They also know that it is due mostly to the actions of these brokers that this vital community service that has helped to raise public awareness and hundreds of thousands of dollars for those organizations is now essentially closed.

We were visited today by somebody in Montreal who was accessing the Internet from the publicly labelled server of Banque Laurentienne du Canada, known in the English-speaking parts of our nation as the Laurentian Bank of Canada. It is a Schedule 1 bank that operates primarily in the province of Quebec, with commercial and business banking offices located in Ontario, Alberta, British Columbia, and Nova Scotia. Their interest began and ended at the page entitled "Mortgage Lenders Now Warned About Crimes Committed At Verico the Mortgage Station" in which we reported how we had reached out to the lenders who finance the mortgages arranged by the brokers at Verico the Mortgage Station.

This is far from our first visit by a bank, but this one was different for one important reason.

In our article, we posted the names of the top twenty lenders used by the brokers at Verico the Mortgage Station, and we know that several of them have dropped by for a flyby of our pages, or for an in-depth read of our reports and viewing of our videos. However, Laurentian Bank, either French or English, is not on our list.

Hypengyophobia

hy·​pen·​gyo·​pho·​bia - hī-ˌpen-jē-ə-ˈfō-bē-ə

Hypengyophobia is an overwhelming and irrational fear of accepting responsibility and is often associated with harm the subject has done to others. A person with this phobia could easily neglect all responsibilities, including at the expense of others, such as family, friends, business associates, or colleagues. Typically, they are self-indulgent and will actively blame others for their failures or character flaws.

The word Hypengyophobia, sometimes referred to as Hypegiaphobia, derives from the Greek Hypengyos which means responsible and Phobos meaning fear.

As with all phobias, the sufferer will most likely have experienced a traumatic event that has led them to associate that experience with accepting responsibility. Many who develop Hypengyophobia have previously taken on responsibility and have failed causing unfavourable consequences.

Other triggers can include a history of strict upbringing and youth rebellion. Regardless of the cause, the individual may experience emotional turmoil and anxiety that are destructive to their ability to accept responsible for the wrongs they inflict upon others.

The signs and symptoms of Hypengyophobia are individual and vary from person to person. Some, when confronted with responsibility for their actions may sweat, feel uncomfortable, lie repeatedly, choose hiding over acceptance, nausea, and an overwhelming need to evade the trigger. Those who are severely compromised by the condition may experience panic attacks, chronic denial, self-destructive tendencies, and lashing out groundlessly.

Most cases of Hypengyophobia are self-diagnosed. Many seek talking therapies to help them discover not only the cause but to develop coping mechanisms to help them in daily life.

If you believed the locations of these visitors to our website, you would think they came from Tembisa, Gauteng, South Africa and Tbilisi, K'alak'i T'bilisi, in Georgia near the Russian border. In both cases, you would be incorrect. This is the surface information of proxy servers, which bounce your signal around the world so it looks like you are in someplace most people never heard of, while in reality, you could be in the next room.

These programs are used by people who feel the need to hide their location, for whatever purpose.

If a person comes to our website a single time without the proxy server, we are quickly able to determine who they are and where they are truly coming from, as our system grabs information on their server, their operating system, their browser, and most importantly, their MAC address.

In this case, the cloak and dagger were a complete waste of time, as we know who they are.

What was interesting is that these three addresses converged on our website before we had fully posted the new page, "Failing and Falling - Verico the Mortgage Station", which means somebody has hired a service to watch for new pages being posted to our website.

We feel so special ;-)

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).