Verico the Mortgage Station 'Loan Sharking Seniors' Expose Documentary
Welcome to Latest News for the most recent articles and videos.
This website is dedicated to promoting an expose documentary that pulls back the curtain on the crimes committed at Verico the Mortgage Station, where brokers not only defrauded a senior and veteran by usury, or loan sharking, but also through their methods of manipulation caused the virtual closure of a not-for-profit media service that for more than 11 years has donated all services to more than 180 charities, not-for-profits, and benevolent community groups through the donation of 350+ fundraising and informative videos valued at more than $700,000.00. That service was deemed so valuable to the community that in 2020, at the height of the pandemic, the producer and crew were nominated and voted to the highest levels for an award for altruism presented by the City of Barrie and the Chamber of Commerce. The purpose of our documentary, which is being produced for broadcast television and streaming service, is to warn local seniors about the risk of doing business with 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.
As part of our story, we also focus on the apparent breach of public trust committed by detectives of the South Simcoe Police Service, who assisted the multi-million and multi-billion-dollar corporations by omitting evidence and falsified figures so they could avoid laying charges of an indictable offence punishable by up to five years in prison. We are also exposing how every member of Simcoe County Council not only did nothing to protect seniors from the wealthy brokers, they also refused to even acknowledge receipt of our evidence, which included a bank statement and mortgage funds disbursement record that confirm a rate of borrowing of 198%, when the legal limit is 60%.
The above counters show how long we have been reporting on this story, and how long ago the brokers at Verico the Mortgage Station demanded from anonymity through a lame, legally unsupported claim of libel that we stop reporting on this story under threat of civil action via an unscrupulous and reprehensible Strategic Litigation Against Public Participation (SLAPP) lawsuit. Despite our written refusal to comply, and our decision to continue exercising our right to tell the truth of this story, that has been boosted to hundreds of thousands of people by an anonymous search engine optimisation expert, none of these massively wealthy corporations, nor any of the supposedly 'libelled' financial 'professionals' involved, has filed any kind of legal action against our small, not-for-profit, social enterprise that donates all services to those in the greatest of need in our community.
Only tangible evidence of financial crime would hold back three multi-million and multi-billion-dollar companies that are licensed based on their ethics, and which refuse to stand up and defend against our allegations.
Our Absence Made Your Hearts Grow Fonder
As our frequent and returning followers know, we spend time analysing the data of our visitors to this story, and we change our practices accordingly to improve the likelihood of their return. Afterall, our primary concern here is to warn seniors and veterans of potential fraud, as has been committed and confessed to by the brokers of Verico the Mortgage Station and covered for by the boards of directors of Verico Financial Group Inc. and HomeEquity Bank.
The data relating to our short time away from this story is quite interesting, and in some ways surprising.
In the middle of November 2024, we diverted our focus and resources to defend the rights of the homeless citizens of Canada living in Barrie, many of whom are the victims of mortgage fraud. Except for a couple of minor articles posted here when we were able, this story was left to forge forth under its own steam.
Much to our surprise, it didn't flounder but flew.
The graph shown here is as close to an accurate correlation of the data as our AI art tools would generate. As is clear, in January our viewership was much smaller than now. However, our focus currently is on that last sector, starting with the short dip in the middle of the last quarter.
An interesting series of factors actually caused our readership to increase while we were away.
It seems obvious that despite unethical and likely illegal attempts to delist this story, against which the corporations will not defend, our audience has reached critical mass and will now grow on its own.
They Would Rather Burn It All Than Face Their Criminal and Ethical Abuses of Trust
Multi-million and multi-billion-dollar corporations are not used to being exposed for criminal and ethical abuses of trust, and especially not by a small, not-for-profit, social enterprise community media outlet that donates all services to local charities, not for profits, and benevolent community groups. It also must be hard to explain away how the producer and crew of which were honoured during the height of the pandemic by being nominated and voted to the highest levels for the City of Barrie 'Paying if Forward' award for altruism, that was presented by the Chamber of Commerce.
Clearly, as the flames grow, these mega-corporations are showing that they just don't know what to do.
The recently built customized offices of Verico the Mortgage Station, located at 1370 Killarney Beach Road, are now for sale, and have been on the market for many months during which time, they dropped the price by nearly half a million dollars. They have also converted offices, that were touted as being needed for a planned expansion, into apartments, apparently to generate cashflow due to a dramatic drop in sales. If that is not enough, they have lost several brokers and agents, who they have not replaced. That is not a good sign of continued longevity.
The directors of Verico the Mortgage Station, Verico Financial Group Inc. and HomeEquity Bank all likely wish we had stayed away, but we are back and not going anywhere.
These facts are all indicators of the public response to our reporting and evidence, and how none of these much larger corporations have mustered the courage to challenge our claims, or even to discuss it on the phone.
As was noted in our story 'Left Holding The Bag - HomeEquity Bank' that Schedule 1 Canadian Chartered Bank, worth six billion dollars, is also losing millions of dollars a year now due to our exposure of their decision to protect, or at the very least ignore, the criminal acts of loan sharks who are selling their CHIP Reverse Mortgage. As is noted in our story 'Desperate Triad Resorts Again To Censorship' their only response has been to try to silence our exposure through unethical and legally questionable methods of censorship on both social media and the search engines.
Those actions are unethical and likely criminal, as the Charter of Rights and Freedoms protects our right to report the truth, and no honourable business will lose that kind of money without challenging the allegations.
"Using the updated number of twelve drive-by visits per week, and the same 50% ratio of lost opportunities, which is conservative, the HomeEquity Bank experiences a loss of opportunity, valued at $250,000.00 in potential income over a ten-year period, every time a visitor to this story chooses to buy into another option that is not a CHIP Reverse Mortgage. That adds up to $1,500,000.00 per week, or $78,000,000.00 per year. In the case of HomeEquity Bank, the lost sales, valued at $213,693.63 per day, are not restricted to those generated by Verico the Mortgage Station. People are frequently visiting our pages looking for information about HomeEquity Bank and the CHIP Reverse Mortgage, and they are coming from every province in Canada. That will only get worse when we launch our social media campaign focused on major population centres across the country. That will be launched soon, when the weather cools consistently, and more people are spending time on social media".
The obvious ongoing need to hide, rather than facing the allegations, is a clear indicator that HomeEquity Bank fears the evidence being presented in court where it would become public and determined to be factual.
Mainstream Media Checking All Angles As Provincial War On Homeless Heats Up
Premier Doug Ford's misguided and cruel war on the homeless of Ontario is catching a lot of attention from mainstream media. This is also true of Alex Nuttall, the disgraced former Conservative Member of Parliament and now Mayor of Barrie, who wrote the letter asking Ford to misuse the Notwithstanding Clause so he could bypass the rights of those suffering in the homeless community, who are protected as to 'life, liberty, and security of the person' under Section 7 of the Charter of Rights and Freedoms, and also bypass the January 27, 2023 ruling of Justice Michael J Valente, SUPERIOR COURT OF JUSTICE - COURT FILE NO.: CV-22-717. Download here.
We are on the front lines and catching a lot of interest.
In addition to the production of this documentary about mortgage fraud, as committed by the brokers of Verico the Mortgage Station, and covered for by Verico Financial Group Inc. and HomeEquity Bank, we are reporting regularly about the utterly unconscionable actions of the provincial government, and the minority of Ontario Mayors who have chosen to goosestep over the rights of the poor, rather than correct the crisis that they have collectively created through rent deregulations and the virtual elimination of mental health and addiction services.
Sorry For Our Absence, But We Have Been Busy Saving Lives
We apologise for having been away for a few days, and we hope nobody got excited, because neither we nor the truth of this story are going anywhere. During the past couple of weeks, we have found ourselves overwhelmed with advocacy work, trying to house, and also to provide a warming centre for those struggling to live without shelter in Barrie where temperatures are plummeting. Many of these people are victims of fraud, like that undertaken by the brokers of Verico the Mortgage Station, who target senior and veteran clientele, that was then covered for by their profit motivated collaborators at Verico Financial Group Inc. and HomeEquity Bank. So, their stories tie in well with our current documentary. View details of our various efforts at https://www.facebook.com/FivePointsMedia
Full details will be included in the next article, which we are hoping to have online by tomorrow.
The brokers of Verico the Mortgage Station, seem quite comfortable with their decision to defraud their senior and veteran clientele through loan sharking. After all, despite the self-admitted harm done to their business by our uncontested claims of criminal and ethical breaches of trust, and also to their allies at Verico Financial Group Inc. and HomeEquity Bank who now both appear to have abandoned them, neither David Flude nor Renee Dadswell have shown enough ethics or character to return the money they have admitted they stole.
While fraudsters, like those at Verico the Mortgage Station, and their collaborators at Verico Financial Group Inc., HomeEquity Bank, and the Ontario Teachers' Pension Plan work together to take money from senior and veteran clientele, or conceal the crimes, our crew and other advocates donate our time and resources to help the victims, who are people just like you.
Advocacy For Homeless Drawing Attention To Mortgage Fraud Documentary
During the past two years, our team at Five Points Media has become extremely well known as the voice of the homeless or unsheltered community. Our reputation for defending their rights is not only local, but well known across the country, and this week we learned that two organizations representing labour, both locally and on a larger scale, have chosen us for a sizable financial donation to continue standing up for the weakest and most undefended sector of our population.
Sadly, the fastest growing demographic of the homeless community is seniors, and many of them signed up for a CHIP or other reverse mortgage.
Yesterday, our Producer volunteer as an advocate for a senior couple, Doug and Linda, who are living in a tent in a public park and want simply to have a home so Linda can receive treatment for various medical issues. After that, the fifty-nine-year-old physically assisted for six hours in moving an encampment that was being evicted from private property. We also provided a safe place where they could store their meagre possessions.
Our documentary is exposing how seniors and veterans are being swindled of their life savings by unscrupulous mortgage brokers and lenders.
Photo and names publish with consent - View original post
Social Media Shares On Steep Increase
We are not sure what has sparked the sudden desire to share our content on social media, but over the weekend it became obvious that somebody seems to be making our case for us, and to a much bigger and more directly connected audience. If that is not the pattern we are seeing, then somebody researching our content is sharing it with others through Facebook messenger, which is not exactly the most secure method of communications, especially when dealing with sensitive or legal matters.
That kind of sloppiness is a sign of desperation, or that somebody is down to the slim pickings for legal counsel.
Either way, the visitor(s) are reviewing and sharing materials from all three of our websites, regardless of the fact that two of the three pages they shared have nothing to do with the indictable offence of usury that was committed by the brokers of Verico the Mortgage Station, or how Verico Financial Group Inc. and HomeEquity Bank committed the indictable offence of Fraudulent Concealment by knowingly and willfully helping the loan sharks to conceal the facts of their criminal and ethical breaches of trust.
On Saturday there were a few dozen visits, and on Sunday the flood gates opened to many more new visitors flowing in from Facebook to various pages.
The pages they were most interested in, at least initially, were about our Producer challenging and defeating the threats of abusive litigation by the lawyer for a slumlord who's negligence contributed to the death of a disabled man, which was on our Five Points media website, details about our studios, which were on our commercial video website, and finally, closer to home, our popular story "Simcoe County Council Showing 'Zero F#Cks Given' About Local Loan Sharks Defrauding Seniors", which we are told is being used as evidence in an unrelated civil claim against the county being heard in the Superior Court of Justice, but that is not confirmed."
Then, on Sunday, that visitor came back, and they brought a lot of friends, both local and from much further away.
A few visitors came from the area between Toronto and Barrie, but by far the largest group was from population centres across the country, from Halifax to Victoria BC. Some were on PCs, while others used Macs, Android phones, and various Apple iPhones and iPads. Some went just to those pages, while others perused further content, and some even wrote to us with questions. Our best guess is that somebody posted links to our pages on a Facebook page, and curiosity did the rest. We are still trying to determine what page it is, but we are guessing an investments advice page, or maybe a well-establish realtor. As most of the visitors who did go past the three linked articles visited pages about HomeEquity Bank and the CHIP Reverse Mortgage, it seems safe to say that the person who posted the links had written an overview of our story with a specific focus on the ethically questionable sellers of that specific reverse mortgage. What our studios have to do with it is anybody's guess, but perhaps they were trying to show that we are a legitimate media production company, that was able to out the County without repercussions, while we can stand up to lawyers, as demonstrated in the slumlord case.
That is speculation, but sometimes that is what we are left with when the directors of multi-million and multi-billion-dollar corporations are afraid to even discuss the matter with our small, not-for-profit, social enterprise community media service, and they all choose instead to hide for more than two years.
The Loan Sharks Targeting Veterans Were Protected By HomeEquity Bank
Each year, on November 11, our society gathers to demonstrate our collective gratitude to the veterans of our armed forces who laid down their lives, who were wounded, often with lifelong ramifications, who suffered from traumatic mental health issues like PTSD, and who lost their youth to the defence of their country.
The leaders of Verico Financial Group Inc. and HomeEquity Bank enjoy the freedoms and benefits that were paid for with the blood of veterans but would do nothing to help when one was defrauded.
Few people would ever think of sinking so low as to take advantage of these brave men and women. However, that is exactly what happened when the brokers of Verico the Mortgage Station, knowingly defrauded their senior and veteran clientele. Then, in a surprising display of disdain for decency, their actions were supported actively by Verico Financial Group Inc. and HomeEquity Bank, who refused to investigate the fully supported allegations of usury, or loan sharking.
Water drops erode mountains not because of their size, but their persistence
Water is the most powerful force on earth, as it not only cuts lines through rock, but also tears down mountains. The effect of erosion is bonded to the incalculable power of persistence. Likewise, the inaccurately named "Chinese water torture" is one of the most effective means of coercion, as random drips of cold water fall over time onto the scalp, forehead, and face of the subject, creating a mentally painful process that generates anxiety, fear, and mental deterioration.
The same can be said about exposure of the truth.
Water also collects from microscopic sources to create the largest surface on the Earth. Dew develops on a leaf, forming a single dribble, that trickles onto the ground, collecting with others into a puddle or stream, which makes its way to a river, and finally to a lake or the sea. Similarly, the decision by the directors of Verico the Mortgage Station, to ignore their own criminal and ethical abuses of trust, has caused with time for the exposure and self-inflicted damage to grow, not only for them, but also for their now apparently former allies at Verico Financial Group Inc. and HomeEquity Bank. It is our persistence in reporting the truth of these criminal acts of Usury and Fraudulent Concealment that has washed away all credibility for these multi-million and multi-billion-dollar corporations.
Cross-referencing allows one story to blend with others to present a bigger interconnecting tapestry of facts and evidence, the content of which has never been contested or challenged by any identifiable representative of any of the accused individuals or corporations.
People understand that multi-million and multi-billion-dollar corporations that have done no wrong would not accept being 'libelled', so we all understand who is telling the truth and who is afraid to challenge the evidence.
Why Are They Not Suing You? - HomeEquity Bank
We received a message on the weekend from a visitor who had a few questions, the most pressing of which, to them, is why are these multi-million and multi-billion-dollar financial corporations not suing into silence our small, not-for-profit, social enterprise community media service that donates all services to any charity, not-for-profit, or benevolent community groups that asks.
The reasons are not hard to understand.
- We are telling the truth, and contrary to dramatic storylines in the movies and TV, the courts are based on evidence, which we have in abundance.
- Recently, the Supreme Court of Canada issued new law to dissuade Strategic Litigation Against Public Participation (SLAPP), which is abusive civil action filed by a wealthy person or corporation to silence the truth about themselves. Such a dismissal would be costly and humiliating.
- We are a benevolent community organization that has donated hundreds of thousands of dollars in services to our community's charities and other not-for-profit groups. In sharp contrast, Verico the Mortgage Station, Verico Financial Group Inc. and HomeEquity Bank have defrauded senior and veteran clientele, or they have helped to cover up the indictable offence of usury. The exposure of using civil action to conceal would be self-damaging.
A Lot Of Interest In An Older Article
The most recent 'researchers' scouring our website have shown a lot of renewed interest in an article posted on May 31, 2024, entitled "Time is Not on Their Side - Verico the Mortgage Station". This screengrab shows two of the most recent touch downs, as the top and bottom are the same computer, but there have been many more flybys to it during the past week.
It seems lawyers might be trying to show that there is no abusive path to shutting down our reporting.
In that article, we show how it is the brokers of Verico the Mortgage Station who committed the indictable offence of usury, which is punishable by a prison term of up to five years, and it is the management team of Verico Financial Group Inc. and the board of directors of HomeEquity Bank who committed the indictable offence of Fraudulent Concealment by helping them to cover it up. All we have done is report the truth about their collaborative criminal and ethical abuses of trust, which is why none of these multi-million or multi-billion-dollar corporates have been able to file fraudulent claims against us, under the pretense of either criminal or civil, because it is not illegal to tell the truth about a crime that has been committed, especially if you are the victim, or to let the public know about a possible risk.
Given the depths and reach of our exposure of the South Simcoe Police Service and the Simcoe County Council, which nobody expected, it seems likely any such requests for further abuses would be replied to with a click.
The brokers of Verico the Mortgage Station, and their allies at Verico Financial Group Inc. and HomeEquity Bank have never shown the slightest concern about the senior and veteran client they defrauded and ignored, or the not-for-profit community service that had contributed hundreds of thousands of services to charities, that they defunded through a con-game used to compel their victim to accept illegal rates of lending. That instantly changed after we showed them how exposure of their criminal and ethical abuses of trust has cost Verico the Mortgage Station essentially everything, including their reputation and their offices, and is costing HomeEquity Bank millions of dollars in lost opportunities. In our fully researched article "Left Holding The Bag - HomeEquity Bank", posted on October 07, 2024, more than four months after we published "Time is Not on Their Side - Verico the Mortgage Station", we showed in detail how HomeEquity Bank is now losing upwards of $78 million dollars a year due to their decision to protect the loan sharks and then hide to evade responsibility. Specifically, we noted:
"Using the updated number of twelve drive-by visits per week, and the same 50% ratio of lost opportunities, which is conservative, the HomeEquity Bank experiences a loss of opportunity, valued at $250,000.00 in potential income over a ten-year period, every time a visitor to this story chooses to buy into another option that is not a CHIP Reverse Mortgage. That adds up to $1,500,000.00 per week, or $78,000,000.00 per year. In the case of HomeEquity Bank, the lost sales, valued at $213,693.63 per day, are not restricted to those generated by Verico the Mortgage Station. People are frequently visiting our pages looking for information about HomeEquity Bank and the CHIP Reverse Mortgage, and they are coming from every province in Canada. That will only get worse when we launch our social media campaign focused on major population centres across the country. That will be launched soon, when the weather cools consistently, and more people are spending time on social media."
This afternoon, within a period of five minutes, a frequent visitor from North York hit a dozen pages on our commercial website, often for only a few seconds per page, using a pattern that was panicked and frantic.
Predatory Corporations Show Fear Of The Fate Of Their Abandoned Former Criminal Collaborators
Our day started with dozens of clandestine visits to various pages on our website by people both hiding behind proxy servers and not. Some were from Toronto, while others came from Tottenham, Ottawa, Quebec, Newmarket, and a whole lot from Waterloo. As we reported yesterday, in our story "Blindly Fumbling For An Escape Route - HomeEquity Bank" they are scrounging our content, hoping and likely praying to find something they think they can use against us, as they did when trying and failing to intimidate us through the threat of a abusive civil action called Strategic Litigation Against Public Participation (SLAPP) litigation.
Sadly, for them, all they have found is support from our community, and respect from dozens of charities.
Our recent exposure, in the article entitled "Left Holding The Bag - HomeEquity Bank", laid out how HomeEquity Bank stands to loose upwards of $1,500,000.00 per week, or $78,000,000.00 per year in lost opportunity due to our fully supported and uncontested exposure of their collaboration with the loan sharks of Verico the Mortgage Station. That reporting appears to have kicked open a hornet's nest of new interest. It is now about three weeks after the release of that story, on October 07, 2024, which is about as long as it would take to retain a forensic accountant, bring them up to speed, and review their report. It would also account for that sudden 120 pages of flurried research on October 25, 2024.
Like all predators, the boards of directors of Verico Financial Group Inc. and HomeEquity Bank can taste the death throes of their one-time ally, and they are showing due concern about who will soon be joining them.
Blindly Fumbling For An Escape Route - HomeEquity Bank
For a few weeks in September and October, in kind of an off and on pattern, the brokers of Verico the Mortgage Station, the management team of Verico Financial Group Inc. and the board of directors of HomeEquity Bank all very deliberately stopped viewing our website. The apparent hope was that if we lost what they perceive to be our audience we would stop publishing, like when the Simpsons defeated out of control advertising monsters by ignoring them.
These supposed 'financial professionals' don't seem to understand that they are not our target following.
We could not care less if David Flude, W. Mark Squire, or Katherine Dudtschak follow our reporting, just as long as we reach the potentially vulnerable seniors who could be defrauded and then left flapping in the wind by these corrupt corporations. We are also focused on the adult children who care for the seniors who are not capable of handling their own affairs.
Then, on October 25, 2024, all hell broke loose, with a lot of interest in HomeEquity Bank and their owners.
Turning a blind eye, hoping the truth of their criminal and ethical abuses will just go away.
Desperate Triad Resorts Again To Censorship
It is appropriate that tomorrow is Halloween, because it certainly looks like somebody at Verico the Mortgage Station, Verico Financial Group Inc. or HomeEquity Bank is acting very creepy. We know that they don't want you, their prospective client, seeing or hearing about the criminal and ethical abuses of trust they committed, and they sure don't want us speaking about it, and rather than standing up and defending the 'good name' of their businesses, somebody is once again trying to CENSOR the truth to prevent you from being forewarned.
In response, we are spreading the truth over a much larger canvas, to reach more potential victims.
No identifiable representative of Verico the Mortgage Station, Verico Financial Group Inc., or HomeEquity Bank has ever denied or denounced any of the claims made in our reporting throughout the past nearly two and a half years. All they have managed to do is hide for more than two years, lie six times in two emails (1) (2) to evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA), and vacuously threaten us from anonymity with a reprehensible Strategic Litigation Against Public Participation (SLAPP) lawsuit, that has been reviled by the Supreme Court as an abuse of litigation, and then fail to file the claim after we retorted their whining and crying with tangible evidence.
They don't want you, their prospective client, seeing or hearing about their criminal and ethical abuses of trust, and they sure don't want us speaking about it.
Now, instead of countering our claims in an ethical manner, it appears that somebody from the triad of fraud has hired a hacker to reduce our footprint on Google and the other search engines, forcing us to respond.
Story About Simcoe County Council Ignoring Loan Shark Brokers Given New Life
Everybody hates the idea of government corruption, so it is little wonder that several people, and apparently a few businesses competing with Verico the Mortgage Station, Verico Financial Group Inc. and/or HomeEquity Bank, chose to share our video and report entitled "Simcoe County Council Showing 'Zero F#Cks Given' About Local Loan Sharks Defrauding Seniors", which we drew reference to in our more recent article, "Misconduct By Simcoe County Council and South Simcoe Police Drawing Attention to Our Story".
A storm of corresponding visits to that page, originating from cities across the country, made us question who shared it and in what context.
A little research and back-tracing revealed a few shares, including an independent online media service, and a brokerage that is part of a competing network similar to Verico Financial Group Inc. It was also the subject of several Facebook posts pertaining to subjects ranging from general scam reports, to the mortgage industry and private lending, and anti-government Facebook groups.
The fact that the multi-million and multi-billion-dollar financial corporations will not face us or refute our evidence speaks volumes to mortgage buyers.
You would think that by now, two and a half years after first reporting on this story, and the fact that two days ago we renewed the domain for at least another year, most intelligent people would come to understand that we are not just going to fade away. Verico the Mortgage Station, Verico Financial Group Inc. and HomeEquity Bank owe answers to their customers, but it appears they are all willing to suffer huge financial losses to evade our questions.
We are rapidly collecting evidence as to why.
Downtime Just A Glitch In The Matrix
Thank you to those who notified us on Sunday, October 28, 2024, that our domain was not accessible.
Don't worry, we are not going anywhere until the loan sharks who swindle seniors, and those who collaborated to cover for them, are held accountable.
The downtime was caused by a glitch in the system, when our payment for yearly renewal of the domain did not end up where it should have. We could have fixed it immediately, but we were busy donating our time and resources to limit the pain and suffering of those who are forced by greed and social indifference to live unsheltered. Besides, we have ten new domains going online, so no great loss.
First, we collected coats, gloves, mitts, hats, boots, shoes, sleeping bags, duvets, tents, and other necessities of survival and organized the donations. Then we made dozens of sandwiches to be distributed to people in encampments and on the street, along with donated pastries, juice boxes and other sundries. Finally, we loaded the van and drove out to distribute the sustenance and supplies to very appreciative fellow human beings.
Misconduct By Simcoe County Council and South Simcoe Police Drawing Attention to Our Story
It has been an interesting couple of days for Simcoe County Council and the South Simcoe Police Service as Premier Doug Ford called out Councillors for giving themselves a one-hundred-and-sixty-seven percent increase in salary, and the South Simcoe Police Service announced that a long-term veteran of the force faces discreditable conduct charges amid a sex assault allegation.
Due to Google's search technique of cross-referencing algorithms, both stories have resulted in a dramatic upswing in traffic to our related reports and videos.
About a year ago, on October 6, 2023, we posted the report and video entitled "Simcoe County Council Shows Zero F#Cks Given for Loan Sharks Defrauding Seniors". Prior to that, on August 11, 2023, we posted our story "South Simcoe Police Service Now Omitting and Falsifying Evidence to Protect Loan Sharks", followed up by another report and video entitled "South Simcoe Police Service Cook the Books to Help Rich Crooks". Despite being very open in our belief that the one-time multi-million-dollar brokers had 'motivated' those in municipal politics and local law enforcement to attain a 'get out of jail free card', nobody has contested our allegations, nor taken any legal action to silence our reporting, nor challenge our evidence. Apparently, they also wrongly assumed we would just go away.
Abuses of trust, by the county and their cops, are dramatically increasing our traffic.
What would make a county and their personal police service hide from a small, not-for-profit, social enterprise that donates all its services to any charity, not-for-profit, or benevolent community group that asks for help?
HomeEquity Bank - Doing Everything The Hard Way
Well, we have given the board of directors of the HomeEquity Bank, and specifically President and CEO, Katherine Dudtschak, multiple opportunities to do the right thing and explain why they aided and abetted the loan shark brokers at Verico the Mortgage Station to defraud senior and veteran clientele through usury.
They could have offered a defence for their criminal and ethical breaches of trust but have chosen instead to lose millions of dollars due to being exposed.
Despite an apparent corporate divorce, all this multi-billion-dollar Schedule 1 Canadian Chartered Bank seems capable of doing is to hide from a small, not-for-profit, social enterprise community media service that donates all services to any charity, not-for-profit, and benevolent community organization that asks for help.
They won't denounce or refute our fully supported allegations, and they won't challenge our evidence.
So, as per our offer of granting Katherine Dudtschak and Jo Taylor, her counterpart at the Ontario Teachers' Pension Plan Board (OTPP), which owns the HomeEquity Bank, the opportunity to debunk our allegations, we will be launching on November 1, 2024, a comprehensive social media campaign that will forewarn hundreds of thousands of potentially vulnerable seniors who might otherwise be conned into purchasing a CHIP Reverse Mortgage through a broker working on behalf of HomeEquity Bank.
As per our full supported calculations, as noted in our article Left Holding The Bag - HomeEquity Bank . . .
Using the updated number of twelve drive-by visits per week, and the same 50% ratio of lost opportunities, which is conservative, the HomeEquity Bank experiences a loss of opportunity, valued at $250,000.00 in potential income over a ten-year period, every time a visitor to this story chooses to buy into another option that is not a CHIP Reverse Mortgage. That adds up to $1,500,000.00 per week, or $78,000,000.00 per year. In the case of HomeEquity Bank, the lost sales, valued at $213,693.63 per day, are not restricted to those generated by Verico the Mortgage Station. People are frequently visiting our pages looking for information about HomeEquity Bank and the CHIP Reverse Mortgage, and they are coming from every province in Canada. That will only get worse when we launch our social media campaign focused on major population centres across the country. That will be launched soon, when the weather cools consistently, and more people are spending time on social media.
Based on information provided by a former member of the management team, we now have a much better understanding of what the HomeEquity Bank could be hiding that is so valuable they are willing to lose millions of dollars to keep it concealed.
Verico the Mortgage Station Is Losing Staff Like Rats Fleeing A Sinking Ship
It looks like the staff are lining up to bail on three sinking ships, and we don't mean with buckets. The most recent tail through the door that we know of was Cynthia Stone, a Mortgage Agent Level 1, who used to be third row from the bottom of the 'Meet Our Expert Mortgage Team' page of the website has, for no obvious reason other than to make better money working for an ethical company, suddenly vanished, as is true like of so many others..
The increase flow of people leaving suggests those who bail hold the door for the next to follow.
Nobody can blame any legitimate and honest broker or agent for not wanting to be associated with loan sharks who defraud seniors and veterans, while lying at a pathological level to gaslight anybody who asks questions or calls on them to act ethically. David Flude and his apparently former allies at Verico Financial Group Inc. and HomeEquity Bank can continue to hide and wallow in denial that nobody believes, but every one of those people who leave their businesses due to being burdened with ethics, further strains the earning potential of Verico the Mortgage Station, Verico Financial Group Inc., and HomeEquity Bank. Nobody hires employees for any reason other than to make money directly or indirectly through their labour. There are also costs associated with hiring, training, and equipping staff with the tools they need to do the job, and there is no refund on any of those investments when once trusting staff see their employer for who they are and bail.
Stop! Look, we stole a few hundred dollars by grifting a trusting senior, so I can buy you all pizza. Don't abandon me. I have had two years and done nothing, but I can fix this!!!
The plan had been to grow the team, but instead their original team of 27 brokers and agents now totals 16, so it is little wonder that The Mortgage Station is converting offices to apartments to generate cashflow.
We started following the steadily decreasing labour base at Verico the Mortgage Station on July 31, 2024, when we learned from an industry source that Lisa Purchase had suddenly disappeared from the company roster, and that no fond farewells had been posted by either side. Since then, on September 26, 2024, we noted that Jolanta Mierzejewski had suddenly abandoned ship or been thrown overboard, and then on October 7, 2024, we learned Steven Gudrie offshored to an island or was made to walk the plank. Of course, all these metaphorical references mean they most likely quit in their own best interests, rather than be fired to 'trim the fat' during lean times.
Every day that hole in David Flude's ship gets bigger, as is true of his 'former' allies, but they covet the few hundred dollars stolen by the loan sharks, and they hold to their pride and hope for room in the lifeboats.
Fooling Nobody None Of The Time
Yesterday, October 16, 2024, we posted a brief article and the full content of a letter we sent to Katherine Dudtschak, President and CEO of HomeEquity Bank, and Jo Taylor, her counterpart at the Ontario Teachers' Pension Plan Board (OTPP), an international, quarter-trillion-dollar corporation which holds that Schedule 1 Canadian Chartered Bank as an asset in their corporate portfolio. Although neither of these 'respected professionals' has responded, as has been consistent for many months, the details had quite a different effect on the public, their competitors, other brokers, and the mainstream media.
This chart shows the most recent of a series of search requests links created by Facebook, which essentially always indicates the share of our content.
The board of directors of HomeEquity Bank appear to believe they can hide forever, but as we noted in that letter, "Using the updated number of twelve drive-by visits per week, and the same 50% ratio of lost opportunities, which is conservative, the HomeEquity Bank experiences a loss of opportunity, valued at $250,000.00 in potential income over a ten-year period, every time a visitor to this story chooses to buy into another option that is not a CHIP Reverse Mortgage. That adds up to $1,500,000.00 per week, or $78,000,000.00 per year. In the case of HomeEquity Bank, the lost sales, valued at $213,693.63 per day, are not restricted to those generated by Verico the Mortgage Station. People are frequently visiting our pages looking for information about HomeEquity Bank and the CHIP Reverse Mortgage, and they are coming from every province in Canada. That will only get worse when we launch our social media campaign focused on major population centres across the country."
These visits by Facebook represent only one of many shares yesterday, which is a pattern that will only increase as we shift our focus to the ethical abuses of HomeEquity Bank, reaching millions of potential customers for the CHIP Reverse Mortgage through various social media.
Everybody knows that only the guilty hide, and that multi-million and multi-billion-dollar corporations that have done no wrong do not fear a small, not-for-profit, social enterprise, community media service that donates all of their services to any charity, not-for-profit, or benevolent community group that asks for help.
Katherine Dudtschak And Jo Taylor Offered Interview To Counter Social Media Exposure Of Crimes
Yesterday, we emailed Katherine Dudtschak, the President and CEO of HomeEquity Bank, and Jo Taylor, the President and CEO of the Ontario Teacher's Pension Plan (OTPP), an international mega-corporation worth around a quarter-trillion-dollars which holds that Schedule 1 Canadian Chartered Bank in its dossier of corporate assets. We also carbon copied all the relevant brokers of Verico the Mortgage Station, and W. Mark Squire, the President and CEO of Verico Financial Group Inc., and various members of management at HomeEquity Bank. The Blank Carbon Copy list is private but includes multiple members of the mainstream media who have shown interest in our work, representatives of the banks and other lenders that finance the mortgages sold by Verico the Mortgage Station, and a few select government agencies.
As the brokers, the branders, and the bankers persist in hiding, we are well within our rights to contact whoever we feel might have useful information.
The purpose of the letter, which can be downloaded here in PDF format, and is included in its entirety below, is to provide these 'ethical financial professionals' with a last opportunity to debunk our allegations before we launch a social media campaign that will educate hundreds of thousands or more about the dangers of doing business with Verico Financial Group Inc. and HomeEquity Bank.
At least ten new videos will be boosted across various social media platforms, targeting the most densely populated regions of Canada, including Toronto (2,930,000), Montreal (1,780,000), Vancouver (675,218), Winnipeg (749,550), Calgary (1,400,000), and Edmonton (981,280). Our focus is now on Verico Financial Group and HomeEquity Bank, both of which enabled the loan sharks of Verico the Mortgage Station, which now appears to be circling the bowl of bankruptcy.
This email resulted in a massive two day influx of traffic to our website, from mainstream media, industry professionals, and competitors for all three of the blind mice who cannot see that hiding is not working.
TD Bank Guilty Plea For Money Laundering In The United States Is Inspiring Interest In Our Story
Yesterday, Thursday, October 10, 2024, the Toronto Dominion (TD) Bank was hit hard by the US criminal justice system when they agreed to pay a $3 billion dollar fine in response to fully supported allegations by the Department of Justice that claimed the once trusted bank was laundering money for organized crime that was financed by the sale of fentanyl.
In response, traffic to our story surged overnight as our story just kept popping up in the search engines.
We have long predicted that all it will take is the right spark to draw even greater attention to our fully supported and uncontested allegations against the loan sharking brokers of Verico the Mortgage Station, the financial branders at Verico Financial Group Inc. and the Sergeant Shultz 'I see nothing' approach to ethics demonstrated at HomeEquity Bank. Overnight, we were visited by multiple mainstream media sources, both Canadian and American, and at least one of the big five Canadian Banks, those being Royal Bank of Canada (RBC), Toronto-Dominion Bank (TD Bank), Bank of Nova Scotia (Scotiabank), Bank of Montreal (BMO), and Canadian Imperial Bank of Commerce (CIBC).
This decision will also aid us by generating doubt in the public mind regarding the honesty of banks, which will cause them to do more research before investing in any financial institution.
We are not comparing the scope of the stories, but our relatable reports are now piggybacking on the mainstream media accounts of the TD exposure, and as a result, we are now attracting a lot of media attention.
Truth, Evidence, and A Crystal Ball Called Data Analysis
In June 0f 2022, now more than two years ago, David Flude, the Principal Broker and presumed owner of Verico the Mortgage Station decided to ignore the indictable offence of usury, also known as loan sharking, that was committed by his broker, Renee Dadswell, with the assistance of her colleague Lisa Purchase.
David Flude has never denied the crime occurred, nor has he ever defended himself or his brokers against our allegations of committing this indictable offence.
Instead, he 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 our evidence-backed rebuttal was sufficient to cause the anonymous writer representing the interests of the multi-million and multi-billion-dollar corporations to lose the courage needed to file the claim in any court throughout the past two hundred and seventy-seven days.
While they fear facing the evidence in an open court of law and are stymied about what defense they can contrive, we relied on the truth, evidence, and an educated analysis of data.
We are not claiming to be the Amazing Kreskin, but we have accurately predicted much of what has happened since David Flude made that series of ill-fated decisions.
Reality Ruining Reputations
As we have noted previously, no identifiable representative of Verico the Mortgage Station, Verico Financial Group Inc., or HomeEquity Bank has ever denied, or in any way refuted our fully supported allegations of usury, or loan sharking, and criminal violations of the indictable offence of Fraudulent Concealment. All they have managed to do is hide, while hiring dozens of minions to collect data on our reports and videos, always anonymously from behind proxy servers.
Sadly, for them, people looking to trust a company with their most valuable asset tend to do research.
Hide and seek has not worked, as was demonstrated yesterday, when we started to follow a visitor down a rabbit hole. As part of the search, we Googled 'Renee Dadswell'. We made no reference to Verico the Mortgage Station or HomeEquity Bank or the CHIP Reverse Mortgage. It was just her name, without any reference to our uncontested allegations against her, and she popped on page one of Google.
Then we ran other names of people associated with this story, resulting in similar page one feedback.
It is little wonder why Lisa Purchase changed her professional handle to 'Lisa Milley Purchase' immediately after suddenly and without warning leaving or being 'thrown under the bus' at Verico the Mortgage Station. It also comes as no surprise as to why Verico the Mortgage Station is now so obviously floundering as a business.
They can hide and deny, but their inaction will have no more affect than claiming the world is flat.
Given the rapid decline of their current employer, as has been posted in multiple ways by Verico the Mortgage Station, these 'ethical financial professionals' should consider how their connection to David Flude's pride powered dumpster fire will affect their future job search. Nobody likes the idea of defrauding seniors and veterans, which is why the public has turned their back on the loan sharking mortgage brokers. They also won't trust a business of which the Principal Broker has been shown to lie at a pathological level, including to clients who caught him.
They defrauded their senior and veteran clientele, and they got caught and were exposed. Instead of defending their 'good names' they all hid together. Now, their crimes are catching up with them, along with everybody who, in the name of profit, protected them.
Competition Sharing the Truth Through Social Media
It was almost a year ago when David Flude was called out for lying by a potential client named Elizabeth, who openly forwarded to us the full content of their online conversation. In his correspondence, David Flude made various libelous false statements and accused our Producer of various offences and actions that never happened. In a place we like to call reality, our Producer and team were nominated and voted to the highest levels in 2021 for the City of Barrie 'Paying If Forward' Award for altruism. Amongst his libelous statements, David Flude tried to defend his own reputation by stating, '...we have had nothing but support from our mortgage associates'. The full content of that email can be found here.
We have no idea if that was true at that time, almost a year ago, but it certainly isn't the case now.
As is now becoming commonplace, this three-part scan by Facebook shows that somebody shared the link to the homepage of our website, where visitors are able to read a full breakdown of the story, and watch essentially all of our videos. We used to back trace these social media posts to determine who was sharing our content, but we have stopped investing time in discovering the inevitable. One hundred percent of the time, the post originated at a brokerage in competition with Verico the Mortgage Station, a brokerage network seeking the same potential clients as Verico Financial Group Inc., or another lender looking to expose HomeEquity Bank so they can increase sales of their own reverse mortgage alternative that is challenging the CHIP Reverse Mortgage.
Our fully supported and unchallenged allegations are a gift for those seeking to secure more of the market.
This dishing out of our allegations on social media is now a daily event, and our content is being shared in every province. We are also told that our reports and videos, which remain uncontested despite being public for more than two years, are being discussed as 'what not to do' in some formal training programs aimed at licensing Mortgage Agents and Brokers across Canada.
Left Holding The Bag - HomeEquity Bank
It may have been David Flude who let his pride write a cheque the bank of public opinion bounced due to insufficient ethics, but it seems most likely that HomeEquity Bank will get stuck paying to clean up the mess left behind by the hide and seek brokerage.
The apparently inevitable closing of Verico the Mortgage Station will not be the end of this story.
All indications posted publicly by Verico the Mortgage Station support that it is floating down a river called insolvency, with neither oars nor rudder, and is headed straight for the waterfall of bankruptcy. If, or should we say when, that happens, our story of success in exposing fraud by loan sharking within the mortgage industry will turn to focus heavily on the Schedule 1 Canadian Chartered Bank that protected brokers who took advantage of their senior and veteran clientele, through which that negligent bank promoted their CHIP Reverse Mortgage, putting profit by any means ahead of the safety of their most vulnerable clients.
Without the enablers of the HomeEquity Bank, the loan sharks at Verico the Mortgage Station would not have been able to hide for more than two years.
David Flude thought he was funny when saying '... certainly no one here is attempting to get rich from your $200', but now he's not laughing, and HomeEquity Bank is left holding the bag.
The Truth Will Take Down Empires
We were contacted last night by a Simcoe County senior mother and grandmother wanting to thank us for reporting on this issue of senior fraud that was committed by the loan sharking brokers of Verico the Mortgage Station, with the unsavory assistance of Verico Financial Group Inc. and the HomeEquity Bank.
Her son had found our articles and quickly decided she would not be doing business with Verico the Mortgage Station or HomeEquity Bank.
Evidently, Sarah had read our most recent articles, as she knew all about the troubles being experienced now by Verico the Mortgage Station, including but not limited to the rapid loss of brokers and agents, the need to generate rent by converting offices to apartments, and the begging nature of the digital 'For Sale' signs that are now suggesting the newly built customized offices of Verico the Mortgage Station could be converted to a rooming house. Then she noted that 'the truth will take down empires'.
The truth and the evidence of their wrongdoing are of course why these multi-million and multi-billion-dollar financial 'empires' have done nothing but hide.
Each time this happens, which is multiple times a week, the loan sharking brokers at Verico the Mortgage Station lose an opportunity to earn a commission, which averages to be about $4,000.00, which is evidently why they are experiencing so much financial trauma. Meanwhile, as shown in our story, 'Pride Goes Before Destruction - HomeEquity Bank', that Schedule 1 Canadian Chartered Bank loses an opportunity valued over ten years of about $250,000.00 in interest and fees on a locked-in CHIP Reverse Mortgage that they can never recover because the potential client becomes contracted to a different reverse mortgage lender.
Their duck and hide tactics might have worked if we had not been so determined to report the full truth, and the reality is we have no reason to stop reporting until the job is done.
The once respected corporations are now 'persona non grata' to a growing list of potential clients, as they are exposed for hiding from public scrutiny, and refusing to face the truth of their own criminal and ethical abuses.
To better understand the anger focused now on the HomeEquity Bank regarding their decision to ignore and attempt to cover up the criminal and ethical abuses of trust committed by the brokers of Verico the Mortgage Station, against a senior, veteran, and accredited philanthropist, you need go no further than an email sent to David Flude by a woman seeking an $800,000.00 mortgage who called him out as a liar and heatedly departed from his deception: The full email can be found here
"Mr. Flude. You truly must think people are stupid, and your explanation is insulting. After receiving your response I read everything Ironside posted about you and I watched all of his company's videos. His work is clean well produced and professional, unlike your accusations that appear vacuous unsupported and offensive to the intelligence of other people. If he was what you claim he would not be putting his name on his work, and you would have sued him a long time ago as he openly taunts you to do more times than I could count. I even went back to watch some of his other videos. The man has credentials from work all over the world and he was selected for an award for altruism in Barrie. nonetheless, you paint him as simply an agitator. You insult me sir as you do anybody to whom you tell that lie. You also fail to mention that those people he - agitated - all lost to his eviednce and several were convicted or fined as criminals. That means he was right, and it is why you will not fight him in court.. Have you watched any of the videos he has produced for the hundreds of charities that are not about your company? I doubt it, but I did. Not all 300 plus of them, but enough. He has worked with everybody from multiple mayors to the chiefs of police. That is one well-connected agitator. I once worked in the courts many years ago and clearly, your agitator is somebody who stands up as we all wish we could. I read through your cover story like you are stamped on tracing paper. As you can see I have copied this email in full to your agitator and i am granting Mr. Ironside my consent to use it as he wishes. I think he is doing a damned good job exposing you and your agents and I would even be happy to chat with him on camera. I am ever so glad I found his reporting about your business. I will also be asking if he can recommend an honest broker. Do not insult me again by trying to whitewash your actions. I will advise my friend of what I have learned and I doubt they will be coming to you for any renewals. i admit I have been angered by your deceptive response as i do not like being lied to. I do not want to hear back from you again. E." The full email can be found here.
Refresh For The Latest Updates
We have been notified, and we have also observed in our visitor logs, that some frequent flyers appear unable to see the latest updates when they are posted, and sometimes do not see them for 24-48 hours. We chatted with our hosting company and learned how to fix the issue. This information will also be relevant to our upcoming live video and podcast programming.
The issue is the cache in the computer receiving our reports or videos lags on buffering new information.
Essentially, in the interest of speed, Windows does not clear its cache of online sourced information until a certain amount of time has passed or it is told to do so. So, when a frequent visitor goes to a page they were on earlier that day or the day before, such as the Latest News, they see the old version that is stored on the computer, and not the new material that must be downloaded. The best way to get around the issue is to press the F5 key, or click on the link below, which is also found on the top of each page. If you are a Mac user, please research how to clear your browser cache.
Thank you to our frequent return visitors who brought this issue to our attention.
Mac users may also experience a similar issue.
Click here or press F5 to refresh our content.
How The Grift of A Few Hundred Dollars Is Now Burning Down Million and Billion Dollar Dreams
Given the history of this story, we really must ponder over a title like 'ethical financial professionals', especially when dealing with Verico the Mortgage Station, as all David Flude and his brokers have accomplished is to destroy their own business, dreams of prosperity, and their professional reputations. In his anonymous threat of a contemptuous Strategic Litigation Against Public Participation (SLAPP) lawsuit the too scared to sign his name Principal Broker pompously touted:
" . . . certainly no one here is attempting to get rich from your $200 "
Nine months later, it is quite evident that as a result of our exposure of that fraud, as committed by his broker, Renee Dadswell, with the assistance of the apparent 'under the bus broker' Lisa Purchase, David Flude is losing staff like Trump loses court cases. He has also been forced to convert offices built for a planned expansion into apartments to generate cashflow, and he is compelled to sell his newly custom built office building that he is now suggesting a buyer could convert into a rooming house because after months on the market, it is clear nobody else sees the 'wisdom' of building a multimillion dollar office space in a village with a population of less than 700 residents.
They burn themselves, stand idly by watching, and command huge resources to investigate the person they cheated, but none of them considers the obvious way to put out the fire.
Regardless of the total failure resulting from the 'tactic' of run and hide, the collaborators at Verico Financial Group and HomeEquity Bank continue to wallow in the dark as the fire of public exposure consumes them all.
Pride Goes Before Destruction - HomeEquity Bank
At 02:36, in the wee hours of Saturday, September 28, 2024, we had a visit on our Five Points Media website from a first-time visitor from Oshawa. On the surface this is certainly not uncommon, but this visitor stuck out, because they were not hiding behind a proxy server, they dropped by at the 'too much on my mind to sleep' hour when they really should have been in bed, and they came directly from Google, as if told what to look for. They also only visited one page, about when we flatlined in one email a well-respected lawyer from a prestigious Toronto law firm who threatened to sue us if we did not retract a fully supported story and video about a negligent slumlord who contributed to the untimely death of a disabled man.
"Pride goes before destruction,
a haughty spirit before a fall."
We are by no means religious, but sometimes the Bible hits the point. In this case, the quote comes from Proverbs 16:18. It continues: "Better to be lowly in spirit along with the oppressed than to share plunder with the proud." Proud and arrogant are, for us, the best descriptors when thinking about David Flude, the Principal Broker and presumed owner of Verico the Mortgage Station and W. Mark Squire and Katherine Dudtschak, the Presidents and CEOs of Verico Financial Group Inc. and HomeEquity Bank respectively.
A year ago, Verico the Mortgage Station, Verico Financial Group Inc., and HomeEquity Bank stood firmly together, convince of their pride-inflated sense of self-importance.
These 'ethical financial professionals' committed crimes by loan sharking and fraudulent concealment, and they also evidently believed nobody could touch them, but now they are feeling the weight of public scrutiny.
Facebook Share of Most Heavily Watched Video
As is becoming more common every day, today somebody, this time from North York, shared on Facebook our extremely popular report and video "Lies, Manipulation, and Loansharking - Verico the Mortgage Station" through which we lay out the pathological level of lying, how the con worked, how much was charged in interest to warrant a charge of usury, or loan sharking, how the South Simcoe Police Service deliberately botched the investigation to allow the loan sharks to skate on the crime, and how local politicians have looked the other way, most likely as a result of a quid pro quo arrangement.
It is one of our most watched videos and was hugely popular when released on social media in 2023, attracting more than 50,000 views.
This visitor, who is most likely a competitor of Verico the Mortgage Station, found the original vintage page on our Five Points Media website, and was redirected to the new version on this standalone documentary website. There purpose was clear and focused, as they came directly to that older page from a link on Facebook or via Facebook Messenger, and then after sharing they viewed nothing else.
This could also be a hot potato message where the recipient passed on the link to others.
The purpose and intent do not really matter, as our purpose in bringing this to light is to demonstrate how social media is now being used to share content, and how Facebook is now scanning the content of our reports and videos on a very regular basis. That means that our stories and videos posted on Facebook will show up much more prominently in Google and the other search engines very quickly after we launch our social media campaign.
Our goal will be to hit the high population regions across Canada.
In October, we will be reposting some of our 30+ current videos on various social media platforms, and also new media of various lengths, formatted for both the wide screen and the phone. We will also be producing live discussion programming from our studios, as well as a podcast using our broadcast quality sound booth.
The HomeEquity Bank has apparently thrown the brokers of Verico the Mortgage Station "under the bus" so we don't understand why they fail to see the benefit of telling their story.
The chronic denial demonstrated by Katherin Dudtschak and the Board of Directors at HomeEquity Bank benefits nobody, and the result of continuing to hide is the continuation of our research and reporting.
HomeEquity Bank Hit With Another Lost Opportunity
Again, today, we were visited by somebody, this time from Prince Albert, Saskatchewan, who was looking for information about the CHIP Reverse Mortgage that is made available by HomeEquity Bank. As was the case with the query yesterday from Edmonton, Alberta, this visitor stayed long enough to view a video, in this case it was "Shaking Down Seniors in Innisfil, Verico the Mortgage Station and the HomeEquity Bank" and then they redirected their search to the page of another company offering a different reverse mortgage. This pattern of reviewing the facts and then walking away from doing business with HomeEquity Bank used to happen several times a week, but now we are seeing multiple such visits most days.
Drive-by visits like this used to occur several times a week, and now they are the reason for multiple hits most days.
We can only imagine how much has been lost to HomeEquity Bank because of these missed opportunities, but it has been their decision to hide, and to ignore opportunities to disprove our fully supported allegations.
Basic Physics Shows Fire Burns Up And Out - HomeEquity Bank
Anybody who has ever taken even the basic level of high school physics knows that fire burns up and out, and it does not self-extinguish until ALL available fuel is exhausted. Then, as time passes, it gets bigger. Those with forestry experience know that in a wildfire, the flames usually start with small kindling and work their way up to the massive trees that burn longer and slower, but still end up as coals.
As the bear in the ranger hat is known to say,
"Only you can prevent forest fires."
David Flude evidently believed he could simply wait out the exposure of his criminal and ethical breaches of trust which include usury, or loan sharking of a senior, veteran, and philanthropist who has donated more than $700,000.00 in services to any charity, not-for-profit, or benevolent community group that asked.
It is just too obvious now how wrong he was.
Sadly others, like the management team at Verico Financial Group Inc. and the board of directors at HomeEquity Bank bought into the high hopes of a man who they knew had lied to his client six times in two emails (Email 1) (Email 2) to evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA).
The fire spreads faster as larger trees are exposed to the flames.
As the wind fans the flame, the inferno grows and strengthens, and in time, everything burns.
The Cost of Criminal Association
We have all heard the term 'guilty by association' or 'judged by the company you keep' and here is a karma moment that applies. This visitor record shows that the viewer had interest in one thing only, the CHIP Reverse Mortgage, sold by HomeEquity Bank, but instead of finding them, they found us.
They came, they read, and they moved on.
This visitor found the vintage page on our Five Points Media website and were automatically forwarded to the companion page on this website.
Visits like this are common now, but we thought this data was relevant to our recent reports.
They hit one page, and apparently found enough to convince them to shop elsewhere.
This page is not about Verico the Mortgage Station, and as the visitor is from Edmonton, Alberta, the facts as presented on the page did not affect the loan sharking brokers. In this case, as is becoming common, HomeEquity Bank was exposed for their decision to conceal the crimes of their now apparently abandoned friends, and we cannot begin to calculate how much they lost due to the criminal and ethical abuses of trust committed by the brokers who simply will not accept responsibility for their actions, but who are evidently willing to let others take the fall for them and lose money based on their apparently now dissolved association.
We are sure we will see much more of this after we launch our social media campaign in every major population centre across Canada when the weather cools and more people are active on social media.
Verico the Mortgage Station - How The High and Mighty Have Fallen
On December 27, 2023, David Flude sent an anonymous email to our Producer in which he threatened to file an abusive Strategic Litigation Against Public Participation (SLAPP) lawsuit and to attain injunctive relief preventing us from reporting the truth of this story, that he was oh so very confident he would be granted.
However, no court action was ever filed.
As part of his rant, which included threats of legal action that was never acted upon, the Principal Broker and presumed owner of Verico the Mortgage Station noted as follows:
"It is unfortunate there are people who use others. You claim to be overcharged a few hundred dollars - certainly no one here is attempting to get rich from your $200. However, you turned your fake story into some government corruption case involving the police. Apparently, the Chief of the Police and serious investigators are all lining up to get their portion of $200. In your view there is so much money ($200) that several people are quick to commit criminal offenses."
The truly sad part is that at any time throughout the past two years, this life-changing exposure could have been curtailed over a cup of coffee, through quiet conversation, and an acknowledgement of wrongdoing.
So Much Power, But So Little Control
You would think that a financial corporation worth billions of dollars would be able to quickly and permanently silence a small, not-for-profit, social enterprise, community media service that donates all of its work to every charity, not-for-profit, and benevolent community group that asks, especially when that corporation is a bank, and it is owned by a quarter-trillion-dollar international mega-corporation.
For some reason, in this case, not so much.
The reason why threatened civil action and an application for injunctive relief have never been filed is because we are telling the truth, we have the evidence, and we have a proven ability to defeat and expose abusive court action and baseless Strategic Litigation Against Public Participation (SLAPP) lawsuits. So, as it now appears that Verico the Mortgage Station is crashing and burning so badly they need to sell off their office building, it looks like HomeEquity Bank might be rewarded for their twisted loyalty to the loan sharks of Lefroy by being left holding the bag.
They will also likely wish they had listened to us.
This afternoon, as a result of running the search 'simcoe county reverse mortgage' two of our pages and one video popped up on page one of Google. We did not mention any of the principal parties in our documentary, those being Verico the Mortgage Station, Verico Financial Group Inc., or HomeEquity Bank, but simply a vague reference to the product potential clients would be searching for. When we added 'Chip' to the search, the results were much better, and when we added any of the companies, we were consistently page one number one.
The truth about HomeEquity Bank will also affect the sales of those brokers to the north, but none of them have reached out to complain or inquire.
We noticed that Verico the Mortgage Station is still shown on the map, suggesting they are still selling reverse mortgages, but we don't know how current this map is.
We noticed that Verico the Mortgage Station is still shown on the map, suggesting they are still selling reverse mortgages, but we don't know how current this map is. Every indication on their website and on the outside of their building suggests that HomeEquity Bank has, in their own best interests, cut all ties with the loan sharks of Lefroy and that they have withdrawn their products. Other reverse mortgage are provided by other lenders, but the CHIP Reverse Mortgage is the most well-known. In fact, you need to filter through Google and other search engines to find an alternative, which we can guarantee more people are doing now than was true two years ago.
Despite the folklore, there is no honour amongst criminals, and especially those who abuse the trust of seniors. We have no doubt the loan sharks will happily leave behind an expensive lesson for the billion-dollar bankers.
Facts Laid Out In Email To Katherine Dudtschak and Jo Taylor - HomeEquity Bank
Today we sent an email to Katherine Dudtschak, the President and CEO of HomeEquity Bank, and Jo Taylor, the President and CEO of the Ontario Teachers' Pension Plan (OTPP), which owns the Schedule 1 Canadian Chartered Bank. We also carbon copied it to about thirty representatives of the various banks and financial companies that provide financing for mortgages to the brokers of Verico the Mortgage Station. It is worthy to note that NONE of those lenders has ever blocked our emails or deleted them unread, and most of them are in the habit of forwarding our information to a as many as ten other members of their team.
Several have also reached out in confidence seeking more information.
For more than two years, the three loan sharking brokers of Verico the Mortgage Station stuck together, and both Verico Financial Group Inc. and HomeEquity Bank ignored their crimes and covered their back. Then suddenly, Lisa Purchase vanished under curious circumstances, as if thrown "under the bus" and just as suddenly, all references to Verico Financial Group Inc. and HomeEquity Bank magically disappeared from the website for Verico the Mortgage Station with only one exception that we could find that was not related to mortgages.
Our emails inspired dozens of immediate hits on our website, and more than a hundred forwards to other colleagues.
Mortgage Loan Sharks Abandoned and Alone - Verico the Mortgage Station
There was a time, just two years ago, when the criminal and ethical abuses of the brokers of Verico the Mortgage Station seemed so well covered by Verico Financial Group Inc. and HomeEquity Bank that they openly displayed how much they felt invulnerable to being exposed for the crimes they had committed. That is understandable as they believed they were fully backed by another multi-million-dollar corporation and a muti-billion-dollar Schedule 1 Canadian Chartered Bank that was owned by the Ontario Teachers' Pension Plan (OTPP), a quarter-trillion-dollar international megacorporation. They had also managed, somehow, to 'motivate' a detective of the South Simcoe Police Service to omit key evidence and falsify figures to evade charges of fraud by usury, or loan sharking, as was committed against a senior, veteran, and philanthropist who has donated more than $700,000.00 worth of services to greater than 180 local charities, not-for-profits, and benevolent community groups.
Being 'above accountability' did not last long.
As we noted in our article 'Lies Wearing Thin - Verico the Mortgage Station', all outward appearances would suggest that HomeEquity Bank finally made the right choice for them and their clients by cutting all ties with the loan sharks of Lefroy.
As we predicted many months ago, it appears that the boards of directors of Verico Financial Group Inc. and HomeEquity Bank have cut the chains to the loan sharks of Lefroy.
That decision was the right thing to do, but it was done far too late, as HomeEquity Bank knowingly left their clients flapping in the breeze for more than two years, at the mercy of the loan sharks who sell their CHIP Reverse Mortgage. It seems likely that the decision was made by Katherine Dudtschak, the recently hired CEO and President of HomeEquity Bank, but the clandestine action is simply not enough.
There needs to be accountability, which is what we mean to expose through our documentary.
Strike While The Iron Is Hot
Our controversial documentary in progress about the illegal eviction of residents of Berczy Park in Barrie is catching national attention, especially after the Barrie Police Service grossly overstepped their bounds by arresting a psychotherapist and trauma expert for trying to help her clients, and also a provincially registered journalist for trying to report on a story about an abuse of authority and breaches of several sections of the Charter of Rights and Freedoms and the January 27, 2023 ruling of Justice Michael J Valente, SUPERIOR COURT OF JUSTICE - COURT FILE NO.: CV-22-717 that were being committed by officers of the Barrie Police Service.
The planned illegal eviction of a homeless community has turned into a public relations nightmare.
This is reflected by the fact that yesterday, more than 27,000 people were discussing our reporting on Facebook (as noted in the screen grab), where we also collected 200+ likes on our Five Points Media page, and twice as many new followers. We have also been interviewed by several mainstream media outlets, and the requests for more information keep pouring in. This exposure has also given us direct contact details for dozens of news agencies and journalists.
So, as the old saying goes, we are going to strike while the iron is hot.
We will use that freshly opened door to send out press releases to our new contacts about the fraud by usury that was committed by the loan sharking brokers of Verico the Mortgage Station and how their collaborators at Verico Financial Group Inc. and HomeEquity Bank chose to do nothing about the crime that was committed during the sale of their mortgage, and to ignore their client and their own public corporate policies, while helping the loan sharks to evade prosecution.
Everything somehow leads to greater exposure.
Battle at Berczy Park
We owe an apology to our repeat visitors who come here most days looking for the latest updates to share on social media. We have been absent for nine days due to our team working on another project, reporting on the illegal eviction of a homeless encampment at Berczy Park, which is a blatant violation of Section 7 of the Charter of Rights and Freedoms, and also the January 27, 2023 ruling of Justice Michael J Valente, SUPERIOR COURT OF JUSTICE - COURT FILE NO.: CV-22-717.
Certain aspects of this story will be included within our documentary about mortgage fraud.
During this ongoing abuse of authority, Police banned first our Producer only, and then all media, from reporting on the illegal actions of bylaw officers and the Barrie Police Service, which is a breach of Section 2B of the Charter of Rights and Freedoms. They also arrested a female psychotherapist and trauma specialist who only wanted to visit her established clients who live within the encampment community.
Police only take actions this Draconian when they know they are abusing their authority.
An ordained minister, a fully qualified psychotherapist, and provincially registered media were all banned access and blocked from assisting the victims of this abuse of authority.
We will be expanding on this story as time permits. For now, we ask that you visit our Facebook account at https://www.facebook.com/FivePointsMedia
Lies Wearing Thin - Verico the Mortgage Station
Currently, and by a wide margin, the most viewed pages on our website are those pertaining to the involvement of the Ontario Teachers' Pension Plan (OTPP). We can tell some of them are most likely lawyers or researchers working for that quarter-trillion-dollar corporation, but there are also a lot of visits by people not hiding behind proxy servers, from locations across Ontario, which likely represent the teachers who have spent their entire professional careers feeding that beast.
The members and board of the OTPP are not likely happy being associated with loan sharking seniors.
This is likely not their first rodeo when it comes to public exposure. As we showed in our story "Motivating Members of the Ontario Teachers' Pension Plan (OTPP)", posted on July 05, 2024, some contributing members of the OTPP have drawn a hard line of resistance to many of the ethically questionable decisions made by the Board of Directors, such as investing in an arms manufacturer that is selling weapons to Israel who they know are using them to commit mass murder against women and children in Palestine. The last thing the OTPP needs is another war on a very public front about something they didn't even do but are linked to by the actions of their Schedule 1 Canadian Chartered Bank asset, the HomeEquity Bank.
This is how guilt by association is established, as the corporations that helped the criminally and ethically corrupt brokers at Verico the Mortgage Station pass on the guilt.
The most likely scenario is that the HomeEquity Bank, on orders of the OTPP, will soon or already have severed all ties and thrown David Flude and the brokers of Verico the Mortgage Station 'under the bus'.
Accused 'Serial Agitator' Talks Down Suicidal Man While Supporting Multiple Care Motivated Groups
Samuel Johnson, the English writer, is credited as saying: "The true measure of a man is how he treats someone who can do him absolutely no good." That statement is very relevant to our reporting of this story. For the same reason registered sex offenders are not permitted to work at daycares, those who have been caught and exposed using tangible evidence after willfully and knowingly defrauding potentially vulnerable seniors should be banned from providing services to them.
When discussing loan sharks, fraud, concealment, and illegal abuses of trust, that ruling should apply to all.
David Flude, the Principal Broker at Verico the Mortgage Station, chose not to protect his senior client, but instead to cover for his broker Renee Dadswell who has admitted to committing the indictable act of usury, or loan sharking, against senior and veteran clientele. When faced with the evidence and the facts, David Flude apparently went so far as to 'motivate' detectives of the South Simcoe Police Service to omit key evidence and to falsify figures so they could cut the provincially licensed broker a 'get out of jail free' card to avoid a prison sentence of up to five years of incarceration.
Our crew at Five Points Media, who are openly reporting on this story in our own name, are the antithesis to that overwhelming need for greed.
These photos are of family and friends lost to addiction and overdose.
Many official groups with long histories of support were present.
The memories ran deep for those who had lost loved ones.
A community meal where supporters broke bread with the homeless.
Speeches of support were made by those who had lost those they love.
Then an overnight camp at City Hall in support of the homeless community.
People working together toward a common cause of helping those in need.
In all, about twenty tents were erected by groups and individuals.
Sometimes the process was more interesting than others.
Some organizations were created as a result of losing loved ones.
By midnight, about twenty tents faced City Hall, shouting in silence.
Dawn brought with it a desire to stretch and enjoy coffee together.
Barrie City Hall, in memory of those lost to the toxic drug supply,
and an overnight show of support for our homeless community.
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and an overnight show of support for our homeless community.
Search Engines Now Self Optimizing To Find The Truth Faster
Late on August 28, 2024, less than 36 hours ago, we posted the story "Learning It Is Not Paranoia If They Really Are Watching You - HomeEquity Bank", and last night, it was scanned and indexed by the Bing search engine. As can be seen in the image below, Google got there yesterday, just a few short hours after the post.
We were happy with the four-day turnaround on indexing of our stories, and this is truly outstanding.
We have not done anything to improve the speed of the visits and indexing. We do know that others, both in the mortgage industry and consumer advocates, are now frequently sharing our content on social media, which we can only guess is helping. At least one of those mortgage professionals is sharing much of what we post within an industry related group on Facebook, where it is seen by hundreds or thousands of industry insiders, who may also be sharing to their clients.
As time passes, our credibility increases while that of the brokers, branders, and bankers declines.
Taking In The Tumbleweeds
On March 17, 2024, we created a Facebook page dedicated to sharing our website details on social media. We really have not done much with it, other than share the video "Fraud Trifecta Against Seniors, Veterans, and Community Charities - Verico the Mortgage Station". Since then, we have essentially ignored it as the audience for social media during the summer is greatly reduced by vacations, trips to the cottage, and less time sitting at home in front of the computer.
Yesterday, despite it being ignored since June 29, 2024, that page suddenly hosted eleven visitors.
Of course, we cannot state it as fact, but it certainly appears that these eleven looky loos were the loan sharking brokers of Verico the Mortgage Station, their collaborators at Verico Financial Group Inc. and HomeEquity Bank, or people, most likely lawyers, working for them who were looking for some kind of dirt that they have failed to find on any of our websites or principle active Facebook pages.
Just how desperate and pathetic are these people?
Instead of standing up and disproving our claims, now more than two years established, these 'ethical and trustworthy financial professional' are digging through the dirt, trying to find something . . . anything they can find to use to discredit or defame Barrie's best know philanthropists.
We understand why our upcoming nation-wide social media blitz across multiple platforms concerns these companies. The loan sharking brokers of Verico the Mortgage Station and their collaborators at Verico Financial Group Inc. and HomeEquity Bank have damaged their own reputations, and their competitors are now happy to let others know more every day.
Multi-million and multi-billion-dollar corporations do not lower themselves to the level of worm diggers, especially when dealing with a small, not-for-profit, social enterprise that donates all its services to local charities and those in need, unless the prospect of exposure through court action terrifies them.
Learning It Is Not Paranoia If They Really Are Watching You - HomeEquity Bank
Yesterday, Monday, August 27, 2024, was one of the busiest days on our website during the past six months, and much of the credit would seem to go to researchers or executives of the Ontario Teachers' Pension Plan (OTPP) which holds the HomeEquity Bank as an asset within its massive international, quarter-trillion-dollar holdings. They did not appear to be scanning our pages in search of content about the Schedule 1 Canadian Chartered Bank. Their interest appeared to be rooted in what we have had to say about the Ontario Teachers' Pension Plan (OTPP). It is only speculation, but it would appear from their content choices, that the big dogs are most interested in how Katherine Dudtschak has handled, or mishandled, her response to our fully supported allegations of loan sharking by the brokers of Verico the Mortgage Station which were committed while they were arranging a CHIP Reverse Mortgage sold by the HomeEquity Bank. We can only guess that the Ontario Teachers' Pension Plan (OTPP) is concerned about why they are now being discussed, and what harm the truth can do to their corporation as we are now openly reporting about the mega-corporation that holds the bank's leash. Some of the articles they reviewed include:
Competitors and Special Interest Groups Spread Our Story
We are learning more accurately who is sharing our stories and videos on social media, and when they find out, it will NOT impress the loan sharking brokers of Verico the Mortgage Station, nor their collaborators at Verico Financial Group Inc., nor their multi-billion-dollar, but too-scared-to-talk-with-an-altruist, buddies at HomeEquity Bank. There was evidently a time when colleagues, competitors, and clients believed the loan shark brokers on faith, but those days are done. You can fool all the people some of the time and some of the people all the time . . .
. . . but you cannot fool all the people all of the time.
The notice from Facebook reports:
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.
People understand that multi-million, multi-billion, and quarter-trillion-dollar companies that have done no wrong do not hide from a small, not-for-profit, social enterprise, community focused media company. They also do not hide from the issue for more than two years, hoping against all hope that it will just go away. They do not decline requests for meetings, and they do not ignore their client simply because he has had the audacity to call them out of their criminal and ethical breaches of trust.
People know that ethical businesses pull up their big boy pants and deal with their 'mistakes'.
We are now seeing social media notifications like this every day, and often more than one, as competitors, consumer advocates, seniors' groups, and others help us to warn the public.
Message Recieved - Five By Five
As is known by anybody who has served in the military or in professional communications, which are both applicable to our Producer, the term five-by-five means "A signal that has excellent strength and perfect clarity, making it the most understandable signal possible." We are happy to say, as is supported by these multiple Facebook posts, we are at, or very near, to that level of clarity.
These are only some of the examples from yesterday, but they are specifically important.
As can be seen from the timestamps, all five of these notifications of shared content happened within one second. That level of scrutiny by fact-checkers represents somebody sharing a link to our website on a commercial group page on Facebook from a business page on the Meta platform. That could be a video or written content, or both. That trend is increasing in frequency, as more people are realising, they have been lied to by somebody with a vested interest in perverting the truth of our fully supported allegations. Now, more than two years have passed since we first reported on this story, and those with a professional interest or a client concern can see that neither the loan sharking brokers of Verico the Mortgage Station nor their collaborators at Verico Financial Group Inc. and HomeEquity Bank have taken any action as they are clearly terrified to face the evidence of their criminal and ethical abuses of trust in any court of law.
As the British say, 'The proof is in the pudding'.
People know that multi-million and multi-billion-dollar corporations do not hide from a small, not-for-profit, social enterprise, community media group that has donated more than $700,000.00 in services to every charity, not-for-profit, and benevolent community group that has asked for help. That absurd course of action is apparently the only option available to these mega-corporations, which have done NOTHING to quell what they are claiming, at least anonymously from the shadows, is libel. It is also quite apparent to the colleagues, competitors, and clients of these corrupt corporations that at least the brokers at Verico the Mortgage Station might be experiencing a little trouble retaining a lawyer who will assist them in filing a reprehensible and Supreme Court scorned Strategic Litigation Against Public Participation (SLAPP) lawsuit, as it is harder to 'inspire' a judge than to 'motivate' a small town cop who omitted evidence and falsified figures so he could cut a 'Get Out of Jail 'Free' card for the multi-million-dollar influential business.
More than two years after we started reporting on this story, nobody believes that the multi-million and multi-billion-dollar corporations have 'chosen' to do nothing to defend against our fully supported allegations that they anonymously and from hiding claim are 'libel'.
The relentless passage of time has allowed the colleagues, competitors, and most important, clients to see the criminal and ethical abuses committed by the loan sharking brokers of Verico the Mortgage Station and their collaborators at Verico Financial Group Inc. and HomeEquity Bank.
Live Programming and Podcasting Will Reach More Potential Victims Of Mortgage Fraud
Anybody who has been following this story knows that Five Points Media, a ten-year-established media production service, is based at the Big Blue Box Studios, a creative space that we share with our commercial video division.
Our capabilities are second to none when compared to any independent facilities north of Toronto.
The 120-year-old modernized log cabin and generational house was an ideal choice for conversion, as the walls are as thick and solid as any modern building techniques could produce. It is within that naturally noise-inhibiting structure that our crew has created more than 350 fully donated media projects in support of more than 180 very appreciative charities, not-for-profits, and benevolent community groups. Most were fundraising and educational videos. Our crew has, throughout most of that time, worked on location but during the downtime caused by the pandemic, we created fully independent sound suppressed production studios and broadcast quality production facilities.
Now, as suggested by a local mortgage broker we know, we are going use our facilities to step up our reach through live studio-based programming and podcasts that will reach across Canada on a weekly basis.
Visits by 'Swedish' YouTuber and County of Simcoe Each Tell A Tale
This short snippet of some visits yesterday provides insight into how different this situation is now than a few months ago. They also say something about how our exposure is affecting those who are being exposed for loan sharking seniors through a provincially licensed mortgage brokerage. We freely admit that we omitted other visits that occurred during this time period, as these are the only ones we wanted to talk about.
We have the right to withhold details until we release the documentary to all potential victims in Canada.
The first visitor, supposedly from 'Sweden' but in truth hiding behind a proxy server, came first at 10:55 am, and visited only the story "Going National with expose Documentary About Loan Sharking at Verico the Mortgage Station". What caught our eye is that they came to the website via YouTube, where we never though such a short promo animation would draw this kind of attention.
Then it got interesting as that visitor invited friends.
That visitor returned two hours later, and then three hours after that we were visited on that same page by three other visitors, one claiming to be in London England, another pretending to be in Ho Chi Minh City Vietnam, and a third claiming to be in San Francisco, California.
Visits by 'Swedish' YouTuber and County of Simcoe Each Tell A Tale
At first, we thought these visitors were all the same person playing with proxy server settings, but then we noticed their operating systems, browsers, and screen resolutions were each different and unique.
Lisa Purchase Moves On, Again, But Cannot Hide From Her History of Loan Sharking and Fraud
When Lisa Purchase suddenly departed from Verico the Mortgage Station, we could not tell if her decision was indeed hers, or if David Flude and Renee Dadswell had 'thrown her under the bus' to protect themselves against repercussions for their own criminal and ethical breaches of trust.
To go from an office in a brokerage to working as an online broker seemed like a big step down.
At first, Lisa Purchase started working with the uber-professionally named MortgagePal. It is an online component of Verico Paragon MortgagePal Inc. DBA MortgagePal Inc., a Verico brokerage located in Burnaby, BC, which according to their public list of lenders, found on their home page, does not appear to sell the CHIP Reverse Mortgage for HomeEquity Bank.
The plot thickens for the 'under the bus' scenario.
Now, just a few days after we released a brief update (see Latest Updates - August 12, 2024 - "Industry Source Claims Lisa Purchase Was Thrown 'Under the Bus'") Lisa Purchase is reporting that she is working as a broker for Tango Financial, which boldly states "We are one of the largest and fastest growing super brokerages in Western Canada, and an industry leader in technology and innovation."
There is nowhere to run or hide as the truth is discovered by more potential victims of fraud and usury, who are swiping left on the loan sharks of Verico the Mortgage Station.
At first, we did not see any connection between Tango Financial and the Verico branded MortgagePal, but a little online digging brought up the connection.
HomeEquity Bank - Former Employees Describe It As A Horrible Experience
We know that there are disgruntled ex-employees at every business, and especially so at huge corporations. However, to be fair, we looked at a few review sites, and in the case of HomeEquity Bank, the ONLY good reviews we found were by currently active managers. From what we read of EVERY former employee; it is little wonder that those who want to continue working there are saying nice things.
Former employees described a metaphorical Dickensian sweat shop of unreasonable demands.
We have been in direct contact with about a dozen former employees of this Schedule 1 Canadian Chartered Bank, both staff and management. So far, about half of them have chatted with us or have agreed to speak with us on camera without any attempt to disguise who they are. Three others have also said yes, but they all insisted on digitally generated anonymity. Wherever possible, we will be posting our own 'review' on each of those employer assessment pages, which is perfectly legal, but we will be inviting those who worked for the HomeEquity Bank to drop us a line so we can learn from them and they from us. We feel it is likely that some of those former employees have outstanding claims against what we hope is the only bank in Canada that supports loan sharks, and we want to help in any way we can. We have a lot of research to offer.
Former managers describe a modern-day Dickensian sweat shop where salespeople pushing the CHIP Reverse Mortgage are pitted against each other and the winner keeps their job.
We found some of those former employees and ex-management through research, while others found us through Google, where our reporting now ranks higher than the propaganda of the billion-dollar-corporation.
A Canada Sized Reaction
Yesterday, we released the story "The Elephant and Gorilla in the Room", which apparently hit a few people more deeply than most of our content. In it, we discussed how the loan sharking brokers of Verico the Mortgage Station and their corporate collaborators at Verico Financial Group Inc. and HomeEquity Bank have fallen back on denial as the only 'defence' of their actions. The consistent feedback has been that we are correct in saying that multi-million, multi-billion, and quarter-trillion-dollar corporations do NOT hide from a small, not-for-profit, community media service that donates all its services to every charity, not-for-profit, and benevolent community group that asks for help.
The people of Canada can also see that we are the only ones who want the facts heard in a court of law.
As one follower stated:. . . "you have been reporting on this for two full years and they have done nothing to shut you down, which just stinks of guilt." Meanwhile, another stated: "I'm not wealthy but I would sue if somebody falsely accused me of being a loan shark or a liar or corrupt. Go get them. They are running scared."
You can fool some of the people some of the time, but not all of the people all of the time.
The consensus is that there is a reason these multi-million, multi-billion, and quarter-trillion-dollar corporations are hiding from a a small, not-for-profit, community media service.
The Elephant and Gorilla in the Room
We noticed a new pattern during the past week to ten days. It is one of chronic denial, and the vain hope that if those who we are exposing for having committed criminal and ethical abuses of trust don't acknowledge the existence of this expose documentary, then magically, nobody else will either. We see it every day on the news currently, as Trump is repeatedly refusing to accept that he is mistaken about almost dying in a helicopter crash with Willie Brown, even though that former mayor of San Francisco flatly denounces it and laughs whenever asked about it by the media. Trump has, in fact, taken his denial of error so far as to threaten to sue the New York Times for exposing his denial and the reality, and former Mayor Brown is cautioning Trump to stop telling the lie on threat of civil action.
Denial is a short-term sense of security, not a solution.
According to an article penned by Jim Heskett, a Professor Emeritus at the Harvard Business School: "How best is denial managed? Denial is endemic to management. It is a natural part of human nature, closely related to the survival instinct. It can be useful or disastrous . . . "Denial comes out of fear . . . of being wrong." Dan Wallace pointed out that neuroscientists tell us that "once you've solved a particular type of problem several times, your brain stops looking for new ways to solve it" and suggested that the phenomenon applies to organizations as well as individuals."
Katherine Dudtschak must be having some interesting days, trying to ignore the truth that is literally all around her, on the screens of colleagues, clients, and competitors.
While denial may help to assuage the anxiety of the person trying to evade reality, it does nothing to prevent others learning the truth, so the problem remains and grows while they hide their head in the sand.
Industry Professional Reaches Out with Invitations to Contribute to the Conversation
It came as a bit of a surprise yesterday morning, when we logged onto Facebook and found ourselves invited to six different private mortgage funding groups. Our memberships were confirmed this morning. Although anonymous, the invitations were obviously all from the same source, as we had never received such private group invitations before. The invitations were likely from somebody in the mortgage industry, and likely a competitor to Verico the Mortgage Station, Verico Financial Group Inc., or HomeEquity Bank. This fits with our notice yesterday of our content being shared on Facebook. Details are in our article from yesterday, entitled "Plans in Play to Use Social Media to Ensure the Greatest Exposure".
We accepted all six invitations and did a little snooping around, which is where we found our content shared in several places on four of the groups.
The shadowy figure who invited us from anonymity has not identified themself, nor have they made any attempt to contact us. They simply opened a door to places where we could reach thousands of industry professionals to advise them about the criminal and ethical abuses of trust committed by the loan sharking brokers of Verico the Mortgage Station and their collaborators at Verico Financial Group Inc. and HomeEquity Bank. The 'agent' is welcome to reach out to us in confidence.
The invitations provide us with a gateway to reach others in the mortgage industry who can benefit from this story by helping to spread the truth in their own best interests.
Most professionals working within the mortgage industry are ethical and honest, and they do not respect the shady dealers, the defrauders, and the loan sharks who bring them all down when they defraud their clients.
Plans in Play to Use Social Media to Ensure the Greatest Exposure
Last night, we were notified for likely the tenth time this week that somebody had shared content from our website to their Facebook page. This time, the person posting our content was behind a proxy server, which we understand given the subject matter and the fact that one of the corporations being reported on is the quarter-trillion-dollar Ontario Teachers' Pension Plan (OTPP), which holds the HomeEquity Bank in its dossier of assets. In the notification, Facebook advised:
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.
Although we are happy with the traffic to our website, we think now is the time to push on social media.
Last year, we used Facebook to boost our videos and stories about the 'motivated' investigation by South Simcoe Police Service in which the detectives ignored the allegations for a full year, and then spoke only with the accused and not the victim, and then omitted from the evidence key financial documentation, all so they could cut a 'get out of jail free' pass for the multi-million-dollar brokers. The result was more than 40,000 views on the story "South Simcoe Police Service Now Omitting and Falsifying Evidence to Protect Loan Sharks" and more than 30,000 on the follow up, "South Simcoe Police Service Cook the Books to Help Rich Crooks". We then saw similar results when we published "HomeEquity Bank Turns To Censorship - Far Too Little, and Much Too Late", about a legally unsupportable means of censorship used by the HomeEquity Bank, which also reached more than 30,000 people.
We will now be adding 'Share to Facebook' and possibly other 'share to' buttons on all new stories and we will start working our way back in time to include existing past issues.
We are moving forward with plans to boost several videos within the top five social media platforms to hundreds of thousands of potential victims living in the six most populated regions of Canada.
Jo Taylor Letter Flying High on Google - Ontario Teachers' Pension Plan (OTPP)
Just five days ago, on August 7, 2024, our Producer wrote to Jo Taylor, the President and CEO of the Ontario Teachers' Pension Plan (OTPP). He also made the letter available for download. That corporation is a massive international conglomerate of companies and investments valued at about a quarter of a trillion dollars. Amongst its assets is the six-billion-dollar HomeEquity Bank, which as a result of their actions has made itself a central figure in our expose documentary.
So, it came as little surprise that this morning somebody found that story through Google.
The combination of our recently upgraded Search Engine Optimization tools, and our links to other independent media, are working well to promote our ever-increasing volume of content. By working in tandem, they have very effectively improved our reach and the speed at which Google now references our stories. Recent additions have taken between one and four days to be processed by the search engines, and the story about our letter Jo Taylor is no exception. We are sure that Jo Taylor is no happier about being named in this story about loan sharking seniors and cover up by the bank that is an asset of the global empire for which he is accountable, any more than was Katherine Dudtschak when she took over as CEO and President of HomeEquity Bank. In her case, Katherine Dudtschak evidently chose to join the collaborators as she has refused to respond to the legitimate concerns of her client. As such, we will continue to climb and cross reference others for as long as the loan sharks and their allies make it necessary.
Due to use of a proxy server, we don't know who the clandestine visitor is, but we know they would not have found this story last week, and they were interested in only one page.
Due to the proxy server, we do not know if the visitor is one of the 'researchers' looking for cause to abuse our civil court system, or if it is a journalist who is visiting now under the same cloak of anonymity.
Industry Source Claims Lisa Purchase Was Thrown 'Under the Bus'
On July 31, 2024, we published a few details about how Lisa Purchase, the broker who had set up the target of fraud by usury for Renee Dadswell had suddenly disappeared from the website for Verico the Mortgage Station with an absolute absence of fond fair wells on either side, and that she had accepted what can only be viewed as a step down to become an online broker for a brokerage in BC.
We also noted that due to pressure from above, she might have been 'thrown under the bus'.
On the weekend, our Producer met online with an industry insider who has little love for David Flude, who advised that the second scenario is accurate, and that Lisa Purchase, a qualified and apparently effective broker, suddenly disappeared due to being used as a scapegoat for the criminal and ethical abuses committed by Renee Dadswell that were covered for by David Flude.
Although not confirmed, the source is credible.
If the clam is true, the action hardly suggests a position of strength or confidence, as if the business was simply downsizing, which would also say something, David Flude would get rid of his less experienced brokers and agents, not one of his top sellers and award winners. That would be a desperate act of self-preservation.
As we have learned from Trump, betrayal and blaming others for his own mistakes are often the traits of a narcissistic coward who is too afraid to step up and defend their actions.
Self-Inflicted Wounds - Verico the Mortgage Station and HomeEquity Bank
A few weeks ago, while volunteering as part of a street outreach team helping the homeless and unsheltered community with food and the necessities of life, our Producer came across a distraught man who was sitting in a park cutting himself with a knife. After some conversation, trust was earned, and the man revealed that he had recently lost everything and had just been discharged from mental health care at the local hospital. Now, he advised, he was seriously considering suicide. The team immediately reached out to their contacts in the crisis management section of emergency services and waited with the man until help arrived in the form of an ambulance and several specially trained police officers.
That is what responsible adults do, and not just walk away, hoping everything will be alright.
Two years ago, the brokers of Verico the Mortgage Station defrauded our producer, a senior, veteran, and philanthropist, by adding illegal fees to a loan agreement pertaining to a short-term personal loan from Renee Dadswell through which she charged usury or loan shark levels of interest and fees adding up to 198.25%, when the legal limit is 60%. That act was an indictable offence that brings with it, upon conviction, a prison sentence of up to five years.
They are willing to throw it all at an issue they could make go away with one meeting.
Neither David Flude nor Renee Dadswell has ever denied that allegation, nor shown the courage to sign their name to any action to prevent us from reporting the truth of their criminal and ethical abuses of trust.
While They Scramble, We Help Those Most In Need
On Tuesday, August 6, 2024, our Producer sent an email to Jo Taylor, the President and CEO of the Ontario Teachers' Pension Plan OTPP, of which the HomeEquity Bank is an asset. The response was instantaneous and record breaking for our website, as visitors old and new poured by the hundreds into the content of our story from various sources, both foreign and domestic, focusing heavily on the links we provided to relevant components of our tale of lies, manipulation, and loan sharking. Part of the reason for the explosion of traffic is we carbon copied Katherine Dudtschak, the new President and CEO of HomeEquity Bank.
We looped her in because we are open and honest, so we don't talk about people behind their backs.
During the 36-hours to follow, we saw hundreds of visitors come to this website, both openly and while hiding behind proxy servers, and also to the website of Five Points Media, and our commercial division, which is not part of this expose documentary. The repeated visits to our community videos shows a deep seeded need by those we are exposing to find something, no matter how menial, that they think they can use to coerce us not to report this story. For some reason, they were especially drawn to a video we donated to a charity that goes to Northern Manitoba to rescue dogs and puppies from a culling that happens every year.
John, our Producer, is on the left. His experience in the military and as a war correspondent enables him to seek out those in need, who are often hiding, and to provide security.
We don't know why, and can only guess that maybe they just liked the cute puppies. 😉
Our view on social responsibility is very different to that demonstrated by the brokers of Verico the Mortgage Station and the boards of directors of both Verico Financial Group Inc. and HomeEquity Bank. Last night, while they floundered in apparent desperation trolling our websites trying to find or manufacture a way to evade accountability for their own criminal and ethical breaches of trust, our Producer, who David Flude described to another potential client as a 'serial agitator', was on the streets of Barrie with a team of altruistic citizens who voluntarily assume responsibility for the health and welfare of our most vulnerable citizens. As they have done more times than they can count, this team of volunteers travelled to encampments and to the city's core to provide members of the unsheltered and homeless community with food, clothing, and necessities of survival like tents and sleeping bags. The group also provides advocacy and advice to those in need, as can be seen in this recent video that we fully donated to help educate the public against the propaganda being put out by city politicians who have a more centrally focused agenda..
While we stand ready to defend against any legal abuse by the criminally collaborating multi-billion-dollar Schedule 1 Canadian Chartered Bank or the quarter-trillion-dollar mega-corporation that owns them, these 'ethical professionals' hide and scour our stories, looking for what they think will let them escape responsibility.
Jo Taylor, President and CEO, OTPP, Notified of Corporate Loan Sharking
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 could never have imagined two years ago when we started research for this expose documentary that we would ever have to go this high in any corporate food chain. However, David Flude refused to take any action about the deception and fraud by loan sharking that took place at Verico the Mortgage Station. Following that, W. Mark Squire, the President and CEO of Verico Financial Group Inc. turned a blind eye in his own best interests and refused to investigate. Then, Yvonne Ziomecki-Fisher, the Executive Vice President, Marketing and Sales at HomeEquity Bank refused to do anything other than assign a minion to arrange a patronizing phone call during which he 'explained' to the former international journalist and college instructor how 198.25% in interest and fees is not loan sharking.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.
Jo Taylor, President and CEO Ontario Teachers Pension Plan OTPP
Now fully briefed about HomeEquity Bank's cover-up of corporate loan sharking.
We hope Jo Taylor is more in touch with his ethics, and that he cares about the public image of his company.
The full content of the letter is included below, and can be downloaded here as a PDF.
New Desperate Angle on an Old and Tired Game - Verico the Mortgage Station
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.
Our commercial division is not connected to our expose documentary about mortgage fraud, but that doesn't stop the deperate from looking for chrysanthemum in the sunflower field.
The Criminal Code of Canada, Section 341 - Fraudulent Concealment states:
341 Every person who, for a fraudulent purpose, takes, obtains, removes or conceals anything is guilty of
- an indictable offence and liable to imprisonment for a term of not more than two years; or
- an offence punishable on summary conviction.
Despite their huff, puff, and bluff, none of these multi-million and multi-billion-dollar corporations have found cause to file civil action, nor to seek injunctive relief regarding David Flude's eight-month-old claim of libel.
Learning That Denial is Not a Defence - Verico the Mortgage Station
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.
We have only reported the facts of the crimes of the brokers of Verico the Mortgage Station, and the cover up and collaboration by Verico Financial Group Inc. and HomeEquity Bank.
The self-ingratiating statement "the damage you have caused" is quite revealing, as the brokers are the ones who charged an illegal 198.25% of interest and fees to senior and veteran clientele and then hid for two years.
Feeding the Sharks - Verico the Mortgage Station
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.
Lisa Purchase was loyal to David Flude, and yet without warning, and with no posted farewells, she found herself scrambling for whatever job would take her despite her reputation for fraud.
Despite more than two years of ongoing reports on this story, nobody from any of these multi-million and multi-billion-dollar corporations has denied our allegations, nor have they taken any action to inhibit our reporting.
Did Lisa Purchase Jump Ship, Abandoning Verico the Mortgage Station?
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.
Apparently, 'I'm done with the lies and the cover-up' could be the caption of this drawing, as according to her own posts, Lisa Purchase has left the loan sharks of the Mortgage Station.
That seems to be quite the step down from an office in a brokerage to working off her kitchen table.
Competition No Longer Listening to the Lies - Verico the Mortgage Station and HomeEquity Bank
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.
Most often, their message was 'Buyer Beware' or 'Be Cautious With Whom You Do Business'.
Now it appears that David Flude's claim, "we have had nothing but support from our mortgage associates", is also a inaccurate, as during our online travels to find who posted our materials on Facebook most recently, we found several brokerages that were forwarding potential clients to our website. Much to our surprise, the brokers and brokerages were not only local, but also from places like the prairies and the west side of the Rockies. Most often, their message was 'Buyer Beware' or 'Be Cautious With Whom You Do Business'. There may have been a time, two long years ago, when the professional associates of Verico the Mortgage Station may have believed their tales of unwarranted victimhood, but now, after two years of lies by them and the consistent truth supported by evidence being presented by us, it seems the ship is sinking, and the rats are bailing . . . but more on that in a bit. People understand that altruists and philanthropists like our Producer are not 'agitators', but people of good character who help those in their community who cannot defend themselves.
"Things come apart so easily when they have been held together with lies."- Dorothy Allison
Fake Outs and Fraud on Facebook - Verico the Mortgage Station and HomeEquity Bank
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.
The services of these online con-artists are used by unethical and unscrupulous corporations who hire them to intimidate, threaten, or extort smaller competitors, and journalists.
We cannot say for sure, but it appears that the multi-million and multi-billion-dollar corporations have now been reduced to hiring online con-artists to send new daily versions of these easily filtered 'threats', and if that is true, we truly feel pity for how far the once mighty have fallen.
Recalling Responsibility - Verico the Mortgage Station and HomeEquity Bank
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.
Instead of responding to the issue in an ethical and professional way, the HomeEquity Bank chose to turn a blind eye and left their senior clients to the 'mercy' of loan sharks.
Visible and Publicly Accountable - Verico the Mortgage Station
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.
As we have every expectation to see results like this for every existing and pending post, it will not be long until every Google search reference to any and all businesses and people being exposed through this expose documentary will be prominent and a subject of public scrutiny.
Our perseverance is paying off, as we are attracting more followers and mainstream media attention every day.
The Brave Take the Path Less Traveled
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.
Even the newcomers to this story, like Katherine Dudtschak, the new President and CEO of HomeEquity Bank, seem to be toeing the line, afraid to step off the path of obedience.
People understand that multi-million and multi-billion-dollar corporations are not afraid of a small, not-for-profit, social enterprise that donates its services to every charity, not-for-profit and benevolent group that asks for help, and if they are that trepidacious, there is a damned good reason.
Social Media Shares Rising Fast
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?
Apparently, somebody with an agenda in this matter is telling others that nobody is following this story, so we must ask how much Facebook is going to want for faking this data? 😉
Loan Sharks Bring Harm to the Community - Verico the Mortgage Station
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.
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.
Does it get any sleazier or more reprehensible than robbing multiple generations of families of cherished memories because as a 'trusted financial professional' you defrauded a philanthropist by loan sharking?
Going National with expose Documentary About Loan Sharking at Verico the Mortgage Station
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.
Innocent people do not hide and evade responsibility for more than two years, and multi-million and multi-billion-dollar corporations do not fear a small, not-for-profit, social enterprise, community media service.
All they have done is hide and cover for each other, and seniors in Canada deserve better.
Historical Facts Cannot Be Changed by Empty Lies
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.
That can be confirmed by the date and time it was uploaded to YouTube, which we do not control.
As you will see in the video, if not for COVID, our crew of volunteers were fully prepared to donate our time and services to travel to the freezing forests of Northern Manitoba, during the dead of the -40 degree winter, to face bears, wolves, and other dangers so we could stand between hunters and dogs, camera in hand, hoping that our recording of the horrid situation could hold off unnecessary bloodshed until the rescue teams could whisk the dogs and puppies away to safety. In his email to a potential client who had found our reports and videos, David Flude described our Producer as an 'agitator' and 'disgruntled'. Meanwhile, in reality, before the brokers of Verico Financial Group Inc. drained our charitable resources while setting up our philanthropic Producer for loan sharking, this kind of caring and giving was for us just another day at our studios.
That is who we are, and now Katherine Dudtschak, the self-created philanthropist, social champion, and supporter of causes, simply cannot deny she knows the facts, even if she does not want to face them.
They Come, Read, Validate, and Move On
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.
This pattern is standard on our reports and videos, as visitors learn, confirm, and move on to hire less risky 'financial professionals'. Each one represents about $4,000.00 in lost opportunity.
Despite his groveling, David Flude failed to convince the woman to use his services to secure an $800,000.00 mortgage for which he would receive approximately $8,000.00, and she ripped into him for lying to her.
"Mr. Flude. You truly must think people are stupid, and your explanation is insulting. After receiving your response I read everything Ironside posted about you and I watched all of his company's videos. His work is clean well produced and professional, unlike your accusations that appear vacuous unsupported and offensive to the intelligence of other people. If he was what you claim he would not be putting his name on his work, and you would have sued him a long time ago as he openly taunts you to do more times than I could count. I even went back to watch some of his other videos. The man has credentials from work all over the world and he was selected for an award for altruism in Barrie. nonetheless, you paint him as simply an agitator. You insult me sir as you do anybody to whom you tell that lie. You also fail to mention that those people he - agitated - all lost to his eviednce and several were convicted or fined as criminals. That means he was right, and it is why you will not fight him in court.. Have you watched any of the videos he has produced for the hundreds of charities that are not about your company? I doubt it, but I did. Not all 300 plus of them, but enough. He has worked with everybody from multiple mayors to the chiefs of police. That is one well-connected agitator. I once worked in the courts many years ago and clearly, your agitator is somebody who stands up as we all wish we could. I read through your cover story like you are stamped on tracing paper. As you can see I have copied this email in full to your agitator and i am granting Mr. Ironside my consent to use it as he wishes. I think he is doing a damned good job exposing you and your agents and I would even be happy to chat with him on camera. I am ever so glad I found his reporting about your business. I will also be asking if he can recommend an honest broker. Do not insult me again by trying to whitewash your actions. I will advise my friend of what I have learned and I doubt they will be coming to you for any renewals. i admit I have been angered by your deceptive response as i do not like being lied to. I do not want to hear back from you again. E."The full email can be found here.
This Story of Loan Sharking and Deception is Simply Not Going Anywhere - Verico the Mortgage Station
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.
We might soon by camping out with a few friends on the front porch of Verico the Mortgage Station, Verico Financial Group Inc., and HomeEquity Bank, seeking comment from employees and clients, while protesting their corporate ethics.
These corrupt corporations stole from us, or they helped to cover it up, and they have never shown the ethics or the respect due to their client, a senior and veteran, when they should have corrected their 'mistakes'.
Hide and Seek As Played By Multi-Million and Multi-Billion-Dollar Corporations
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.
Self-inflicted denial is not the best tactic when thousands of potential clients are learning who you really are.
Although our reporting is about the corrupt corporations, the reason for our story is not, and we frankly don't care if they want to wallow in denial while losing clients who learn the truth about their lack of ethics.
A Human Rights Complaint of 'Elder Abuse & Neglect' Will Protect Vulnerable Seniors
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.
As we have repeatedly demonstrated, it will not take long for Google and the other search engines to connect Verico the Mortgage Station, Verico Financial Group Inc., and HomeEquity Bank to the human rights violation of 'Elder Abuse & Neglect'.
We will also publish all correspondence back and forth with the Human Rights Commission in the same downloadable search engine optimized PDF format.
It will not take long for Google and the other search engines to connect Verico the Mortgage Station, Verico Financial Group Inc., and HomeEquity Bank to our fully supported claims of human rights violations undertaken against a senior client by all three 'professional financial services' which cater heavily or exclusively to retirees. We welcome the brokers of Verico the Mortgage Station, and the members of the management team of Verico Financial Group Inc., and the board of directors at HomeEquity Bank, to challenge our right to publish this claim by presenting their evidence, if they have any, and by testifying under oath against our evidence in a court of law, as will be compelled by our various subpoenas. Despite their Goliathan status when compared to our small, not-for-profit, social enterprise, community media channel, the simple task of proving we are not being factual in our reports has been, for more than two years, a challenge too daunting for these multi-million and multi-billion-dollar corporations to endure.
Our live analysis of traffic patterns shows that essentially nobody who is warned by skimming the headlines of our stories on a search engine results page visits the website of Verico the Mortgage Station, or their allies.
Climbing the Corporate Ladder - Verico the Mortgage Station
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.
Those at the top seldom have much time or patience for those at the bottom, and especially for those who are complicating their business.
That makes as much sense as Macallan scotch vouching for backcountry moonshiners at a bail hearing.
Letter Follow Up to Katherine Dudtschak HomeEquity Bank - Human Rights Complaint
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.
Is Katherine Dudtschak the woman she projects herself to be,
or is she being indoctrinated as 'just one of the boys?'
We wrote to Ms. Dudtschak again, copying every lender known to work with the loan shark brokers, advising the board member of the Canadian Museum for Human Rights that we are filing a Human Rights complaint of 'Elder Abuse and Neglect' based on the fraud and cover-up, while seeking an investigation by the RCMP.
Support From Very Unexpected Places
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?
For examples of what the writer calls 'work of saints', please review the article directly below on our Last Updates page, or here, or in our article 'A Question of Character'.
Regardless of their reasoning, most people can tell the difference between good and bad, praiseworthy acts over self-serving deception, and truth verses pathological levels of lying.
We researched what our new friend called the church's 'Ontario congregational newsletters and websites'. Although it is not the actual name, we have learned that the reach of included articles will exceed 300,000 mostly Ontario residents. It is also likely, given past data, that the online article will be shared far and wide to as many as five times as many other followers of the faith through sharing and groups. It could also easily lead to further telling on Christian media across the country and into the US. Although we will be telling the full story, from the usury through to the collaboration by Verico Financial Group Inc. and HomeEquity Bank, the church network seems far more interested in the complacency of HomeEquity Bank, as they focus on targeting seniors through the CHIP Reverse Mortgage, and seniors make up a large percentage of the various congregations.
We do not feel that following this path is hypocrisy as we are very open to our readers about who we are, and we will not surrender our principles to benefit from this opportunity; however, we are open to feedback.
Depictions of Fictions
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.
Does anybody truly believe that the boards of directors at Verico Financial Group Inc. and HomeEquity Bank do not factually understand who is telling the truth, and that they are harbouring criminals?
The Price of Infamy
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.
David Flude and his brokers have a vested interest in hiding from their criminal and ethical abuses to maintain strained loyalties.
In sharp contradiction, we welcome them and our followers to test our results.
Our allegations have remained uncontested for two full years, and none of the multi-million or multi-billion-dollar corporations are willing to challenge our evidence in a court of law, so potential customers do not even need to read our reports to get the message of 'steer clear of the loan sharks of Lefroy' and their allies.
More Time and More Resources, Equals More Potential Senior Victims Warned
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
The scene might not have been as stoic, nor the view as awe-inspiring, but the relief was real.
Videos we have released and boosted in this way have been viewed by tens of thousands of people.
Corporate Media No Longer Controls What We Are All Permitted to Know
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)
Ethical 'people's media is replacing their corrupt corporate counterparts.
"If he was what you claim he would not be putting his name on his work, and you would have sued him a long time ago as he openly taunts you to do more times than I could count."
A Game of Corporate Snakes and Ladders - HomeEquity Bank
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.
The replacement of Steven Ranson by Katherine Dudtschak as CEO and President of HomeEquity Bank was the last hope for a balanced report of this story. We tried, oh how we tried, to hear their side, but now we will get what we need the old-fashioned way.
So, we turned to W. Mark Squire, the President and CEO of Verico Financial Group Inc., who also told us, in not so many words, to pound salt, claiming our allegations of fraud, usury, and skimming as committed by one of his mortgage brokers was not his problem. Finally, we turned to Yvonne Ziomecki-Fisher, the Executive Vice President Marketing and Sales at HomeEquity Bank, who likewise showed less than half a damn that the reputation and brand of the company she represents was being used by a third-party broker to scam seniors and veterans. Finally, very recently, we reached out to Katherine Dudtschak, the newly appointed President and Pending CEO of HomeEquity Bank through a letter. Despite her reputation for being a stand-up person and contributor to our community, we have heard nothing, not even crickets.
To our disappointment, Katherine Dudtschak's well-crafted persona appears to be a façade through which she hides her true self by manufacturing a mirage of caring within a company that could not care less.
Motivating Members of the Ontario Teachers' Pension Plan (OTPP)
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.
It seems that the board of directors at the next Annual General Meeting of the Ontario Teachers' Pension Plan (OTPP) could be playing to a tough crowd.
So, the mega-corporation has almost a quarter trillion dollars in assets, but is still afraid to face our evidence.
From Famous to Infamous - What A Difference A Month Makes
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.
When you lay down with dogs, you wake up with fleas.
Guilt by association may not be fair, but it is a reality that cannot be avoided.
Sadly, this is what happens now in our world of technology whenever somebody of good character aligns themselves with criminals and unethical vultures who take advantage of seniors, veterans, and through their actions drain the resources of charitable community organizations that exist to help those in the greatest of need. Now, whenever somebody researches Katherine Dudtschak for an interview, or an award, or public speaking, they will find her name associated with this story of defrauding seniors and veterans, even when they are researching directly about her works of philanthropy or altruism. There is also little hope of them missing the connection as our link comes up page one number one, ahead of what we must assume is well-established content such as on her Linked In page, and articles about her charity work.
We have no indication that David Flude and his brokers at Verico the Mortgage Station are now in any way stepping up to defend the best interests of the corporate allies who have helped them for more than two years.
When the Tail Wags the Dog - 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?
Sit, Katie, sit. Good girl.
This text-generated AI image is not intended to depict Katherine Dudtschak or David Flude.
Ego, and fear of official exposure through court action, is what appears to be driving these people, and apparently they harbour a twisted loyalty to a small town brokerage owned by an 'Oka from Muskoka'.
Are The Knives Coming Out? - Verico the Mortgage Station
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.
This text-generated AI image is not intended to depict W. Mark Squire, President and Chief Operating Officer, Verico Financial Group, Katherin Dudtschak, President and CEO of HomeEquity Bank, or David Flude, Principal Broker at Verico the Mortgage Station.
Late Night Researcher Delves Into the Facts and the Evidence - Verico the Mortgage Station
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.
This text-generated AI image is not intended to depict Katherine Dudtschak.
However, their interest seemed to be HomeEquity Bank much more than anything else, and they checked all the pages about who we are. Everybody about whom we have been reporting for more than two years knows those pages all too well, so there is no reason for a middle of the night feeding frenzy of our content.
Our suspicions cannot be conclusively confirmed, but there is only one new kid on the block.
It Might Just Be That Judgement Is Pending - Verico the Mortgage Station
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.
For two years, the same story has been reiterated, rehearsed, revamped, repeated, reinvented, and retold, by the brokers at Verico the Mortgage Station, and finally it seems like the new boss at HomeEquity Bank is already really tired of being lied to.
How many times can a man feign victimhood before those who believed him on faith see the truth?
Stories Attract More Headline Skimming Viewers - Verico the Mortgage Station
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.
We will never outrank a very expensive paid ad on Google, but nobody is going to miss our page one number two listing directly below it, or the dozens of other listings for our stories and videos that follow it throughout the next several pages.
If we utilize the widest range of relevant words available, as well as extensively linking both internally and externally, we can be assured of attracting the most attention. That is also why we link every reference to Verico the Mortgage Station to their homepage which is an external link, and also for Verico Financial Group Inc. and HomeEquity Bank. By doing that, we also establish that we have nothing to hide, and we welcome our readers to contact any of these ethically compromised corporations for their version of the story, which our followers would likely notice is not backed up with anything more than huff, puff, and bluff. In sharp contrast, we provided extensive evidence to each of them, and to the Detective Muto of the South Simcoe Police Service who omitted key financial evidence and falsified figures to provide the multi-million-dollar brokers at Verico the Mortgage Station with a free pass to evade an indictable offence, and of course to our followers.
That is the kind of thing that is done by people who have no reason to hide, and who know they are telling the truth and can back up their claims with hard, tangible, empirical evidence.
Mining for Keys, but Digging Up Grubs - Verico the Mortgage Station
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.
Mining for Keys, but Digging Up Grubs - Verico the Mortgage Station
Sorry desperate interlopers, but we removed the nuclear codes from our websites 😉
Nowhere to Run to and Nowhere to Hide
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.
This AI driven connection to fraud by loan sharking, as committed against trusting clients, now applies equally to both those who chose to commit or support the crime, and others who have inherited the guilt by association.
We must wonder if the management teams of the multi-million and multi-billion-dollar corporations still believe in the 'wisdom' of their choices, given that their plan was to avoid exposure of the crimes of one small town broker, but instead, their brands and all their staff are now infamous nationwide for defrauding seniors.
An Idiot Leads with Ego and Only a Doomed Fool will Follow Him - Verico the Mortgage Station
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.
Narcissist and pathological liars conceal their true nature while they herd the blindly obedient minions to do their bidding.
For reasons we have never understood, the management teams at Verico Financial Group Inc. and HomeEquity Bank jumped in feet first to back up their allies at Verico the Mortgage Station despite knowing the brokers were guilty of an indictable offence for loan sharking.
That 'logic' started two full years ago when one of the guilty parties thought that our Producer, an international journalist and experienced defender of civil rights, would simply give up if everybody just ignored him.
Happy Anniversary - Let's Celebrate with A Lawsuit - Verico the Mortgage Station
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.
Congratulations for turning what could have been a quietly dealt with 'error' into a two year long very public online battle that has cost them all a hell of a lot of potential income.
We have offered multiple ways to resolve this issue, but these 'ethical professionals' dug in their heels and ignored their responsibilities, apparently believing that if they ignored us long enough, we would just go away.
Everybody knows that multi-million and multi-billion-dollar corporations do not hide from a small, insignificant, not-for-profit, social enterprise that donates all of their services, valued at more than $700,000.00 since 2014, to any charity, not-for-profit, or benevolent community group that asks, which at the peak of the pandemic was nominated and voted to the highest levels for a city-wide award for altruism presented by the Chamber of Commerce and City of Barrie.
If these 'professionals' truly think they are convincing their existing clients, any potential clients, their competitors, or concerned colleagues that they are the victims, they must be truly delusional.
All they have accomplished by hiding is to generate greater exposure of their collective wrongdoing, and to face humiliation through a documentary that is being produced for broadcast across Canada through standard media and streaming services, which is being financed by people with a vested interest in this story.
We will continue to report on this story until we attain what we feel is true justice, and we call on the brokers at Verico the Mortgage Station and/or their allies at Verico Financial Group Inc. and HomeEquity Bank to file action in a court of law so we can test their stories and professed victimhood against the evidence in a public forum.
Momentum Multiplying as The Truth Spreads - Verico the Mortgage Station
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.
The technique is working as our story is frequently ranked two and three on page one on either or both domains
By the time we started recording the data, we were already well out of the starter gates, and running at full speed halfway around the track.
We Are Once Again Reaching Out To Our Community
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.
The first rally drew about 100 people, and this second attracted three times that many, so how many will attend the next one, when our QR code embedded brochure will be available in large numbers for viewing and sharing?
The representative described the group as citizens of Barrie and Simcoe County who are protesting the construction of a sports field on a beautiful section of the waterfront that will be covered in astroturf.
The loss of opportunity came in the form of not being free to mingle with a large group of mostly seniors who had collaborated to collect more than 7,000 signatures, and who were working together to actively protest something they saw as being detrimental to their community. Several groups had been invited to set up information tables about various issues that would influence the lives of the members, and when we return to shoot more videos over the summer, we will be sure to have our own table and staff explaining our socially poignant documentary and the story behind it, while offering brochures that will include a QR Code linking to www.themortgagestation.tv. If possible, we will also bring a digital video playback unit on which we will show an overview edit of the various videos we have produced so far that will also soon be added to our website.
By then, we will have edited and shared what we recorded last night, and this growing group of influential and well-connected mostly seniors will understand that we helped their cause and protected their interests.
A few weeks ago, we discussed the idea of making a flyer to promote our documentary about Mortgage Fraud in Canada, as was committed by the brokers at Verico the Mortgage Station with the 'see-no-evil' blinders firmly in place at Verico Financial Group Inc. and HomeEquity Bank. We had set that project on the back burner due to time constraints, but now we see it as being a vital component in our efforts to warn all seniors of the risks of signing up for a CHIP Reverse Mortgage as provided by the 'don't give a damn' HomeEquity Bank as arranged by the loan sharking brokers of Verico the Mortgage Station. We also feel it is important for potential victims of these crimes, no matter where they live in Canada, to be warned about potential similar fraud by other brokers working under the banner of Verico Financial Group Inc., as clearly the members of the management team of that umbrella corporation have chosen a 'see-no-evil' approach that allows them to always side with profit over ethics.
The first rally drew about 100 people, and this second attracted three times that many, so how many will attend the next one, when our QR code embedded brochure will be available in large numbers for reading and sharing?
Bandwidth Limits Exceeded for Sixth Time Since Launching This Story - Verico the Mortgage Station
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.
Website bandwidth exceeds limits for the sixth time.
Life would be easier for everybody if David Flude would just pull up his big boy pants and admit, as he did in a letter dated June 09, 2022, that he knew his brokers had committed the indictable offence of usury, or loan sharking, which brings with it upon conviction, a prison sentence of up to five years. Apparently, the Principal Broker of Verico the Mortgage Station still believes he can deceive his way out of his multiple criminal and ethical abuses as he tried to do by lying to his client six times in two emails (Email 1) (Email 2) to evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA).
What did that recorded and documented breach of 'regulatory requirements' accomplish for him?
In addition to seriously damaging his reputation and that of his brokers, losing the respect of his colleagues and lenders, and being put on the radar of the Financial Services Regulatory Authority of Ontario (FSRA), David Flude lost at least one potential new client who sought a mortgage of $800,000.00, but ended up emasculating him like a lioness taking down a gazelle on the Serengeti, before she took her business and a commission of about $8,000.00 to another broker. You can see the entire email here.
They can lie collectively, relying on 'alternative facts' to delude themselves that nobody is following this story, but you don't double your bandwidth every month if nobody is following your story.
Letter To Katherine Dudtschak, President and Pending CEO, HomeEquity Bank
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.
Page one, number four on Google, after just three days is excellent SEO.
This was made possible by new tech and our recently hired programming intern.
So, we introduced ourselves to Ms. Dudtschak, and relayed to her a few facts about the loan sharks who her new management team have been protecting for almost two years, hoping she might change the status quo.
Media Reports Can Be Shut Down If Not Based On The Facts - Verico the Mortgage Station
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.
The video shows how even in a country where the people have greater rights, legal action can and will shut down those who are defaming others, regardless of how wealthy and well-connected they may be.
Staying a Cut Above
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."
Our crew is busy working on multiple community projects that help and benefit those in the greatest need.
She sounds like our kind of people, and we are hopeful that Ms. Dudtschak will show the courage to speak with us, rather than hide as has been the only tactic used for two years by the brokers and their see-no-evil allies.
Obvious Hiding Causes Public Interest to Grow - Verico the Mortgage Station
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.
Denial, hiding, and obvious lying are no longer enough to save the loan sharks and their see-no-evil allies from the spread of our warnings to seniors, neighbours, colleagues, and family.
They didn't know every detail, but they did understand fraud committed against seniors, and collusion by their multi-million-dollar allies at Verico Financial Group Inc. and multi-billion-dollar cohorts at HomeEquity Bank.
Since that event, our Producer has covered several other community events, including a press conference with the mayor, where he discussed some details of the story with colleagues working in mainstream media. We also covered two protests, one in Barrie and the other in Toronto, which drew national media coverage. This past weekend, we covered Barrie Pride, where again John found himself being asked about the expose documentary that is being produced by our crew for both broadcast television and streaming services. The incoming budget for that program will allow us to continue working in support of our community, and with those representing charities, not-for-profits, and benevolent community groups. Most of those people already know us, and they are fully supportive of our donated services for charities, not-for-profits, and benevolent community groups. In many cases, they are connected to various prominent donors, and to thousands of individuals, couples, and families who volunteer to help the various causes. Most of those involved carry a mortgage, so the story is of interest to them. That kind of direct exposure to the community and mainstream media is extremely valuable to us, and we are ordering business card sized press releases with a QR code that will bring the holder directly to this website.
It seems likely that the brokers and their allies are starting to realise that they cannot hide from public exposure forever, which would explain the hundreds of 'legal' and 'research' visits to our websites.
Time is Not on Their Side - Verico the Mortgage Station
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.
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?
Desperation Sets In As Lies Bubble to the Surface - Verico the Mortgage Station
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)
David Flude's lies hardly match the actions of a true community-motivated philanthropist.
Original Post
The tall man on the right in this picture, taken last night, is our Producer , John, who is an active member of a team of Community Outreach volunteers who travel the city multiple times a week providing food and the necessities of life to those in the greatest need in homeless encampments and on the streets of Barrie.
David Flude's claims about the man his brokers defrauded are debunked by facts, so most people now see the brokers at Verico the Mortgage Station and their allies as dishonest, misleading, deceptive, and corrupt.
John is also, by any definition, a philanthropist, as he gives back to his community much more than is true of most people. Since 2014, he has run Five Points Media, a not-for-profit, social enterprise, media company, through which he has donated more than $700,000.00 worth of services by producing and donating more than 350 fundraising and community awareness videos for greater than 180 mostly local charities, not-for-profits, and benevolent community groups. In 2022, he and his team were nominated and voted to the highest levels for an award for altruism presented by the City of Barrie and the Barrie Chamber of Commerce. The deliberately malicious lies told by David Flude were forwarded to us by the prospective client who was angered by the lies and disgusted by the attempt to depict the victim as an 'agitator' so he could mask his own criminal and ethical abuses, his deliberate deceptions, and cowardice.
Given the facts that we have presented, and the hide and conceal tactics of the brokers, who in their right minds would trust this company to finance what is for many the biggest financial deal of their lives?
Behind the Scenes Updates Make Access Easier for Frequent Apple Visitors
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.
The many links that we include on every page to provide visitors with access to other information and evidence now work 23% faster than they did yesterday.
Work still needs to be done regarding navigation on two specific models of iPad, but when it comes to iPhones, Mac computers, standard PCs, and Android devices, the workflow and speed are now greatly improved.
Neither the Wealthy nor Powerful Are Above the Court of Public Opinion
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.
Homelessness is attributable in many cases to mortgage fraud and breaches of financing laws, which are being covering as part of our expose documentary through a story that is related directly to the crimes and ethical breaches of trust committed 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 Charter of Rights and Freedoms applies to all people, and not just those with inflated egos who feel they are so much bigger and more important than everybody else that they can abuse the authority of the police, whose officers they use as props at a press conference.
In Barrie, the mayor and council have declared open war on the 500 or so people who, due mostly to no fault of their own, are surviving without shelter, yet they are ignoring the causes and all viable solutions.
View the full story and new video here.
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'.
We are proud to have stood shoulder to shoulder with those in the greatest need in our society, as we peacefully used the law to push back against bullying by self-serving local politicians.
The original Facebook post can be found here
The original website post can be found here.
David Flude has never shown the character to repeat, substantiate, or apologise for his many lies.
As a journalist, our Producer has been threatened with frivolous litigation by people who wanted to hide the truth, but he has not initiated legal action, and he has 100% of the time been successful in disproving the false claims of those who abused the purpose and intent of the law. Most people would consider that meritorious, but to people like 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, anybody who exposes their criminal and ethical breaches of trust is the bad guy, and they will do anything they can to avoid the exposure. Throughout today, one of them has been skimming nearly 100 pages of our community website looking for something, anything, they think they can use to scare us away from exposing the truth of their criminal and ethical breaches of trust.
That is not the kind of tactic used by people who have done nothing wrong and who have nothing to hide.
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.
We have decided to shuffle the deck once again to attract a larger and more diverse audience.
When we originally switched the pages, we were working under the assumption that the page that is being most frequently updated had to be the Home Page, and we have learned that is simply not the case. Now, visitors will get a bird's eye view on the fraud committed and the criminal and ethical breaches of trust that occurred before delving deeper into the story.
The primary purpose of this website, in addition to promoting our expose documentary, has been to warn potentially vulnerable seniors of the risk of signing up for a CHIP Reverse Mortgage through the loan sharking brokers at Verico the Mortgage Station, and the recoding will help greatly in that goal.
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.
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.
Despite their chronic denial, frequent lying, and hiding, the truth about the brokers of Verico the Mortgage Station and their allies at Verico Financial Group Inc. and HomeEquity Bank is reaching more people every day.
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.
We are now seeing a lot more visits like this one, when somebody researches local brokers, and finds one of our articles. Then they are gone, never to be seen again.
It would also appear that one lawyer after another has declined representing them.
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, may take comfort from trying to convince each other that they did no wrong and that they are being victimized by our exposure of their abuses of criminal and ethical trust. However, we think it was said best by a woman named Elizabeth who tore a mile wide stripe off of David Flude when he tried to convince her that our Producer was just a 'serial agitator' and that there was no basis to our claims.
"Mr. Flude. You truly must think people are stupid, and your explanation is insulting. After receiving your response I read everything Ironside posted about you and I watched all of his company's videos. His work is clean well produced and professional, unlike your accusations that appear vacuous unsupported and offensive to the intelligence of other people. If he was what you claim he would not be putting his name on his work, and you would have sued him a long time ago as he openly taunts you to do more times than I could count. I even went back to watch some of his other videos. The man has credentials from work all over the world and he was selected for an award for altruism in Barrie. nonetheless, you paint him as simply an agitator. You insult me sir as you do anybody to whom you tell that lie. You also fail to mention that those people he - agitated - all lost to his eviednce and several were convicted or fined as criminals. That means he was right, and it is why you will not fight him in court.. Have you watched any of the videos he has produced for the hundreds of charities that are not about your company? I doubt it, but I did. Not all 300 plus of them, but enough. He has worked with everybody from multiple mayors to the chiefs of police. That is one well-connected agitator. I once worked in the courts many years ago and clearly, your agitator is somebody who stands up as we all wish we could. I read through your cover story like you are stamped on tracing paper. As you can see I have copied this email in full to your agitator and i am granting Mr. Ironside my consent to use it as he wishes. I think he is doing a damned good job exposing you and your agents and I would even be happy to chat with him on camera. I am ever so glad I found his reporting about your business. I will also be asking if he can recommend an honest broker. Do not insult me again by trying to whitewash your actions. I will advise my friend of what I have learned and I doubt they will be coming to you for any renewals. i admit I have been angered by your deceptive response as i do not like being lied to. I do not want to hear back from you again. E."The full email can be found here.
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.
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.
The brokers at The Mortgage Station and their allies at Verico Financial Group and HomeEquity Bank simply need to take responsibility for their choices, as our reporting of this story is not going anywhere any time soon.
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.
The brokers at Verico the Mortgage Station and their allies are, hopefully, starting to realise that their potential clients understand that honest people repent, repair, and resolve, and they don't perpetuate or try to validate criminal activity.
If their actions were in any way accidental, and if their intent was not malicious, 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, would have voluntarily ended the need for this expose documentary by acknowledging their error. However, instead, David Flude argued that the crime was justified: "This short term loan provided to assist you in making your previous mortgage payment obligation, in my opinion was a generous and helpful deal."
No David, it was an indictable offence committed by one of your brokers with the assistance of another, and with your full-knowledge and obvious consent, making all of you criminally accountable as loan sharks.
As all of these people have chosen to continue hiding, and none of them have shown the courage or honour to step up and explain their actions, it is clear that there is no shame, acknowledgment of wrongdoing, or any sense of responsibility, which in most cases represents a guilty mind. As such, we will continue to report on this story in the best interest of local residents and families who we hope will not make the mistake of hiring the brokers of Verico the Mortgage Station, and especially for the often vulnerable seniors who get drawn into signing up for a CHIP Reverse Mortgage through the HomeEquity Bank and are then left swinging in the wind with zero client support after the brokers defraud them.
Every day, more people learn there is a good reason why these brokers and their allies are hiding and willing to risk losing millions of dollars rather than challenge the validity of our claims and evidence in a court of law.
Fraud Trifecta Against Seniors, Veterans, and Community Charities - Verico the Mortgage Station
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 . . .
This is the first of several new videos currently in production that are meant to warn potentially vulnerable seniors of the risks of fraud by usury and other means, and to promote our documentary that will be aired on both broadcast and streaming services.
View the full story and new video here.
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.
Villagers used to flush out thieves and liars using pitchforks and fire. Today, we use technology and certain skillsets to expose those who defraud by abusing the trust of the most vulnerable.
Those three corrupt corporations put their greed and self-interests ahead of the services we donate to charities through which we support sick children, puppy and kitten rescues, the very poor, and people in need of help.
Our search engine optimization has proved very successful, as we essentially fill the first page of Google when searching 'The Mortgage Station'. We are also sufficiently prominent and are found by many northbound Torontonian families when searching 'Simcoe County Mortgage Brokers'. We also appreciate the ongoing support of the anonymous search engine optimization expert who has been helping us throughout the past six months to improve our ranking. However, since 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 hide from accountability for their criminal and ethical breaches of trust, and as they continue to ignore our offer to meet so they can present their evidence through an on-camera interview or through a without prejudice meeting, we need to ensure that more potential victims, and especially vulnerable seniors, become aware of the risk of doing business with these clandestine corporations that choose to hide rather than face the truth of their actions.
Welcome to the team 'M', and we look forward to working with you.
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'.
It is not hard to understand why the Mayor and Council pulled back on that plan, as our media service reached tens of thousands of people through live and regular reports, and the feedback was not positive.
Keep in mind that this is a city we challenged and defeated, not just a private business that depends on the internet to draw in new clients moving into Simcoe County. They can 'motivate' police detectives and the members of Simcoe County to their heart's content, but we have been able to establish that the brokers at Verico the Mortgage Station and their allies at Verico Financial Group Inc. and HomeEquity Bank have not collectively nor individually refuted any of our allegations, nor have any of them shown the courage to address the issue as is legally demanded by their own 'regulatory requirements'. They have also refused to meet to discuss the evidence through a sit down on-camera interview, and they have ignored our offer to meet for a without prejudice meeting. The brokers at Verico the Mortgage Station or their allies at Verico Financial Group Inc. or HomeEquity Bank could have used any of those vehicles of communication to show us their evidence and end our pursuit of this expose documentary. However, instead, David Flude hid behind anonymity as he reached out to us under the deceitful guise of an 'anonymous agent' so he could threaten us with a court-scorned abuse of our civil court system called a Strategic Litigation Against Public Participation (SLAPP) lawsuit which despite his blather and bravado he has never shown the courage to file with any court.
People are not stupid, and they can see who is doing good and helping their community, verses who is hiding, not following up on their own threats, and lying like a firehose to try to convince possible clients to hire them.
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
Through our recent victory over constitutional abuses by the City of Barrie, see this Latest News page - May 07, 2024, video and social demonstrations are powerful tools of exposure.
So, detailed updates will now be provided less often, but more often with video support. This will mean they will be watched by more potential victims, especially seniors, who deserve to be warned about the fraud by usury and abuses of trust committed 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.
Our first new video will be shared this week, and also posted on hundreds of special interest groups and boosted across Simcoe County to every possible victim of the brokers at the Mortgage Station and their allies.
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 are proud to say we are associated with a variety of social justice action groups, and that we support each other to accomplish the goal of exposing abuses of authority and trust.
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.
This visitor from RBC Capital Markets Corporation showed a particular interest in our claims about HomeEquity Bank, and how they are working to protect the loan sharks of Verico the Mortgage Station. The reason for this is currently a mystery, but we will be doing some digging to determine if there is any connection. It may be linked with the announcement by HomeEquity Bank on April 9, 2024, that Steven Ranson will be retiring as President and CEO, but that is purely speculative on our part.
As has always been our policy since the start of our reporting on this story, we welcome any lender or broker to request a copy of our evidence which we will happily provide.
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.
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 has shown extreme interest in only one article that we published more than two years ago, which is not about the brokers or their allies.
As can be seen in the log report, this person has visited that page, so far, twenty-four unique times.
The key point in this post today is that the article that is being so feverishly researched is not even about Verico the Mortgage Station or their allies at Verico Financial Group Inc. and HomeEquity Bank, and it predates by several months our reporting about their criminal and ethical violations and breaches of trust. So, is their intention to establish that we, as journalists, maintain our ethics and expose the truth about other criminal and ethical violations of trust? We openly welcome any inspection of our reporting, that has been so well supported by evidence that we have never been successfully sued for libel. One local abuser of our civil court system tried, and we were not exactly his first target, but in the end, his multiple claims earned for him nothing but a ruling of Vexatious Litigation, and an order to pay $5,000.00 in costs to our Producer .
This is not our first rodeo, and despite multiple threats of civil action, abuses of our criminal justice system, and even drive-by shootings at our studio, we have never blinked, nor ever faltered in our reporting of the facts.
If that visitor missed it, we also exposed a website design company where the owner thought it was his right to bully other businesses and not-for-profits through abuses of the intent of the civil court system and let's not forget that we gave cause for the Barrie Police Service to lay charges against a con-artist 'landlord' who had rented the same house to more than a dozen single mothers and then refused to allow any of them to move in. If that is not enough, let's discuss the Toronto private investigations company that went bankrupt after trying to abuse the courts in a lame attempt to scare us away from reporting how they had defrauded all of their employees for a period of eight years - see "Employee Fraud - Abuse of the Criminal Justice System and Civil Courts", and how we outed a corrupt local politician who had helped his friends defraud the federal government and taxpayers of $60,000.00 they attained by claiming falsely to be part of a not-for-profit community group - see "Defrauding Taxpayers - Abuse of the Criminal Justice System". Finally, during the pandemic, we ripped off the facade of lies behind the no-mask and anti-vaxxer movements so well that one of them drove by our studio on three occasions in the middle of the night to shoot out the windows of our van.
In every applicable case, our Producer took the allegations and threats to trial, where he won every time based solely on the evidence that exposed the crimes and breaches of trust of the abusive supposed victims.
The visitor, who we are assuming is a lawyer, has nibbled around the edges of our past reporting for about a week, and they are welcome to continue. We are also open to discussing with them the accuracy of our reporting and any concerns expressed 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, who for almost two years have ignored any and all opportunities to speak with us or to review our evidence through an on-camera interview or even while under the protection of a without prejudice meeting, despite the fact that they are obligated by 'regulatory requirements' to do so.
The brokers and their allies can play cat and mouse all they want, but in the end, people understand why multi-million and multi-billion-dollar companies would be afraid of a small, not-for-profit, community media channel.
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.
In the Greek legend of Sisyphus, he was condemned by the gods for eternity to repeatedly roll a boulder up a hill only to have it roll down again once he got it to the top.
The past couple of days have seen a sudden return to the already attempted unsuccessful tactics of whatever the hell these people are hoping to accomplish, which serve only to allow them to avoid facing the facts.
Once again, our website for Five Points Media is being strafed hundreds of times by somebody pretending to be located in Strasbourg, Grand Est (French/German border) - see this Latest News page, March 27, 2024. We have also been visited many dozens of times by one of the people being exposed for their ethical violations. It also appears that yet another lawyer has been called into the ring, as a visitor from Toronto/Whitby has spent considerable time during repeat visits to the article we posted in February of 2022 about how we slapped back against a highly-respected Toronto lawyer who threatened us with a reprehensible Strategic Litigation Against Public Participation (SLAPP) lawsuit after we showed the audacity to expose the criminal level abuses of a slumlord who contributed to the death of a tenant who was found with diminishing life signs inside an essentially uninsulated and insufficiently heated summer class trailer in February.
So far, that story has seemingly scared off every other potential lawyer, as either they don't want to touch the case of loan sharks v. philanthropists, or the retainer they are calling for is too rich for David Flude's blood.
In December of 2023, 'somebody' pretending to be an 'anonymous agent' for Verico the Mortgage Station, sent to us a lame, factually vacuous, DIY threat of civil litigation that David Flude has lacked the courage to file with any court. We rebuked his claims using evidence, and we ignored his demands for a retraction of the truth. Then, we never heard back from the anonymous agent nor any actual lawyer. According to that creative work of fiction, by telling the truth and backing up our allegations with hard evidence we were supposedly libeling Verico the Mortgage Station and defaming the brokers.
'Libel' is defined as "a published false statement that is damaging to a person's reputation; a written defamation", which is by no means applicable to telling the truth and supporting your claims with evidence.
Regardless, these 'honourable' and 'ethical' financial 'professionals' who have been documented lying to a new homeowner to convince the single mother to trust them, have consistently refused to stand up and defend their actions. All they have been able to muster is an anonymous threat of an abuse of the civil courts though an action that would in fact be abusive and intended only as a means of bullying.
Albert Einstein, arguably the greatest mind of the 20th century, is credited with saying:
"Insanity is doing the same thing over and over and expecting different results."
"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.
People will initially side with the wealthy, but as time passes, regardless of the reason for their interest, they learn to trust the word of true philanthropists over the lies told by those who steal from our most vulnerable.
This leap in our rankings is due to a collection of factors, including our decision to join the media sharing service that came with online promotional tools - see this Latest News page, April 17, 2024, and the ongoing services of our anonymous online promoter, and an influx of fresh visitors due to some recent altruistic actions featured on our Five Points Media social media. The brokers at Verico the Mortgage Station and their allies at Verico Financial Group Inc. and HomeEquity Bank can wallow in denial to their collective heart's content, but at the end of the day, Google ranks searches based on traffic, and our story is number two only to very expensive paid advertising that is intended to conceal our story from those who have a right to know about the risks associated with dealing with these ethically-questionable businesses.
People will initially side with the wealthy, but as time passes, regardless of the reason for their interest, they learn to trust the word of true philanthropists over the lies told by those who steal from our most vulnerable.
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.
They stick around for an average of three minutes and twenty-nine seconds, which is more than they need before exiting stage right looking for another local broker.
"Mr. Flude. You truly must think people are stupid, and your explanation is insulting. After receiving your response I read everything Ironside posted about you and I watched all of his company's videos. His work is clean well produced and professional, unlike your accusations that appear vacuous unsupported and offensive to the intelligence of other people. If he was what you claim he would not be putting his name on his work, and you would have sued him a long time ago as he openly taunts you to do more times than I could count. I even went back to watch some of his other videos. The man has credentials from work all over the world and he was selected for an award for altruism in Barrie. nonetheless, you paint him as simply an agitator. You insult me sir as you do anybody to whom you tell that lie. You also fail to mention that those people he - agitated - all lost to his eviednce and several were convicted or fined as criminals. That means he was right, and it is why you will not fight him in court.. Have you watched any of the videos he has produced for the hundreds of charities that are not about your company? I doubt it, but I did. Not all 300 plus of them, but enough. He has worked with everybody from multiple mayors to the chiefs of police. That is one well-connected agitator. I once worked in the courts many years ago and clearly, your agitator is somebody who stands up as we all wish we could. I read through your cover story like you are stamped on tracing paper. As you can see I have copied this email in full to your agitator and i am granting Mr. Ironside my consent to use it as he wishes. I think he is doing a damned good job exposing you and your agents and I would even be happy to chat with him on camera. I am ever so glad I found his reporting about your business. I will also be asking if he can recommend an honest broker. Do not insult me again by trying to whitewash your actions. I will advise my friend of what I have learned and I doubt they will be coming to you for any renewals. i admit I have been angered by your deceptive response as i do not like being lied to. I do not want to hear back from you again. E."The full email is here.
Self-Destructive Branding 101 - Verico the Mortgage Station
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.
That is the power of community connections, and it is the reason we founded Five Points Media.
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.
It is only fair since we are not hiding anything.
You are still welcome to visit, but only if you drop your shields, like we have always done. We are under no obligation to cater to the cowardice of the guilty, and so far well over 90% of our proxy server-based traffic has come from visitors who are obviously associated with the brokers at Verico the Mortgage Station or their allies at Verico Financial Group Inc. and HomeEquity Bank. We don't know yet exactly how it will work, as the block could be geographic in nature or using something like a service or code to detect the proxy servers. What we do know is we don't have any real followers that we care about in Butte, Montana or Islamabad, Pakistan, so it is not rocket science to weed out the relocation engines before the user gets to review the updates of our website.
Now, those who defrauded us, who lie about us, who ignored our complaints, and who 'motivated' a detective to omit evidence of an indictable offence will soon have to come out into the sun to follow this story.
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.
This is how a professional law enforcement agency deals with allegations and evidence of abuses of public trust.
Our stories about how Detective Constable Jason Muto omitted key financial evidence and falsified figures to provide a "Get out of jail 'free' card" to the loan sharks, and how Chief John Van Dyke and Inspector Julio Fernandes ignored our Producer's letter regarding that meeting, are by far the hottest commodities being viewed by other mainstream and independent media producers who are part of the media content sharing network we recently joined - see this Latest News page - April 17, 2024. It seems extremely likely that this part of our exposure of these criminal and ethical abuses of public trust will be the thin edge of the wedge to expose details of the full story, and that the truth will be shared by those other mainstream and independent media sources while being pushed by social media advocates seeking various kinds of social change.
We are now compiling all of our evidence, and requesting a review by the OPP, as otherwise, people like the loan sharks and their billionaire allies can 'motivate' their way out of all accountability to the law.
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?
This is our Producer in Barrie last night helping to feed those who are forced to live without shelter in our local homeless community.
In sharp contrast, when Renee Dadswell stole money by usury, or loan sharking, from our philanthropist producer, either she knew her actions were illegal, or as a registered and licensed mortgage broker, she should have known. She charged a collective 198.25% in interest and 'fees' on a short-term loan that was only necessary because her colleague, Lisa Purchase, dragged out the lending process from three weeks to nine. The top legal lending rate in Canada is 60% and charging a rate higher than that is an indictable offence that brings with it upon conviction a prison sentence of up to five years. Then, when the crime was reported to the licensed and accountable representatives of Verico the Mortgage Station, their parent company Verico Financial Group Inc., and the lender, HomeEquity Bank, they all chose to ignore the offence, block all communications, and hope we simply went away. When the serious offence under the Criminal Code of Canada was reported to the South Simcoe Police Service, they became 'motivated' to ignore the facts, then they tried to scare off the victim, and then they omitted key financial documentary evidence and fudged the figures to manufacture a "get out of jail 'free' card" for the multi-million and multi-billion-dollar corporations. That potential five-year sentence puts the crime of usury, or loan sharking, on the same level as 'Pointing a firearm', 'Carrying a concealed weapon', and 'Unauthorized possession of a firearm', so it is considered serious.
It is also a fact that NONE of the 'professionals', corporations, or public offices we accuse of these criminal and ethical abuses has contested a single allegation, and they have done NOTHING to counter our claims.
When they initiated this plan of deception and fraud by usury, both Renee Dadswell and Lisa Purchase knew they were draining a philanthropist, and costing him tens of thousands of dollars which he had committed to helping the community by boosting local charities, not-for-profits, and benevolent community groups through fully donated media services. Meanwhile, David Flude, the principal broker at Verico the Mortgage Station has admitted he was fully aware of the crimes being committed by his brokers, and that he endorsed their actions.
We took the path of exposing the truth and supporting our allegations with evidence in our own name.
They chose to ignore, hide, and lie, and to threaten an unethical lawsuit they proved too cowardly to persue.
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.
Do you really want to entrust this man with what is likely to be the biggest investment of your life?
That is mostly likely why David Flude is so clearly terrified by the prospect of taking his claims of purported 'libel' to any court of law, while we welcome the opportunity to present the facts and our evidence. It is also likely to be the reason why it certainly seems that the brokers at Verico the Mortgage Station are having considerable difficulty retaining counsel, which would be the case if their intent was to proceed with an unethical and court-rebuked Strategic Litigation Against Public Participation (SLAPP) lawsuit. We can also show that in his official capacity as a head of a team of mortgage brokers who are licensed by the province of Ontario based on perceived ethics and trustworthiness, David Flude lied six times in two emails (Email 1) (Email 2) to evade investigation for usury, or loan sharking, by the Financial Services Regulatory Authority of Ontario (FSRA).
We don't need to lie, and we welcome your judgement based on the facts and evidence.
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.
"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."
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 done NOTHING to defend their actions, nor their inaction, nor have they presented contradictory evidence, nor have they in any way tried to debunk our allegations. They have also shown no concern whatsoever for how their criminal and ethical abuses have hurt other brokers who have invested in their company. David Flude claimed we are lying, and that he has sufficient evidence to take us to court, yet he will not meet, even though doing so is a 'regulatory requirement' of his license, and he will not present his 'facts' during an on-camera interview. All he seemed able to do was to threaten us with an unscrupulous Strategic Litigation Against Public Participation (SLAPP) lawsuit that he then failed to file, apparently out of fear of the repercussions of abusing the purpose and intent of the court.
In true Verico style, this self-identified 'broker for Verico' locked step with his superiors in blaming the victim.
"What you are doing is hurting others who have done you no harm. Your most recent story about posting more videos and duplicate websites says everything about you. I have a home to pay for and kids to raise." We tried to send back a reality check, but as noted above, the email account had already been deleted in true-to-form cowardly fashion. We could lay it all out here again, but there seems little point when we have already done so on our Story of Fraud backstory page. We have also posted multiple updates on this Latest News page, and full reports on our Reports and Videos page. The simple truth is that our Producer , a senior and veteran, was defrauded by the brokers at Verico the Mortgage Station. Meanwhile, their allies at Verico Financial Group Inc. and HomeEquity Bank, both of which have an obligation to their client, simply turned their heads and looked the other way. Their actions were legally and morally corrupt and the only difference between this time and likely many others is they chose the wrong victim for their abuses of trust.
They have likely never had anybody challenge them due to the David and Goliath like differential, and now they simply don't know what to do.
Was this 'threat' part of a corporate plan of intimidation? We honestly don't think it is. It seems to us that those who are being adversely affected by the actions of the brokers at Verico the Mortgage Station are simply expressing their frustration, and at the only people they can safely target. In that light, we remain open to continue holding open discussions with any broker working with Verico Financial Group Inc. or banking staff member affiliated with HomeEquity Bank or any other lender mentioned in our reporting. This also applies to former employees, regardless of the circumstances of their departure.
It is the multi-million and multi-billion-dollar loan sharks and liars who are clearly terrified by the idea of challenging the allegations of a small, not-for-profit, social enterprise, community media service.
Lies and Posturing vs Truth and Evidence - Verico the Mortgage Station
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.
Although not factually accurate, fear is the reason elephants are fabled to hide from a mouse.
So far, no self-identified person or lawyer representing Verico the Mortgage Station, Verico Financial Group Inc., HomeEquity Bank, or even the South Simcoe Police Service, has contested any of our allegations or evidence.
Production Budget Opens New Paths To Exposing The Truth - Verico The Mortgage Station
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.
So, today we ordered ourselves a new multi-core thread-ripper computer that is almost ten times faster than our existing edit suite.
Spreading the Truth About Loan Sharks - The More the Merrier - Verico the Mortgage Station
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.
Verico Financial Group Inc and HomeEquity Bank Becoming the 'Loblaws' of the Mortgage Industry
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.
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.
It no doubt feels much longer, but we have only been telling this story in earnest for 11 months.
Simply Lying to Cover Their Own Asses - 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.
"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!". The public post can be found here.
We know this because we are told they continue to lie about who our Producer is, and why they are the focus of an expose documentary about mortgage fraud in Canada.
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.
The basic principle is free news sharing, with the only requirement being to credit the source.
This morning, we saw a massive six-times spike in traffic over the best previous day of the week, which was in itself very respectable, with the vast majority of the visitors coming from independent media.
This feed-sharing service is international, but we have targeted our areas of interest as being Canada, the United States, Financial Services, Mortgages, Crime, Unions, Labour Movement, Government, Corruption, and Activism. That means that every media service that uses the feed that has indicated an interest in those areas will be alerted to everything we post. Those who have not expressed specific interest in those areas will also see our posts but in a sidebar-like auxiliary feed. The service is connected to thousands of media sources from around the world, several hundred of which are in various regions all across Canada. You can think of it as social media for sharing stories, videos, photos, art, and other means of communication. As it is a free sharing service, if they see something they like, they simply share it, or use it as a source for their own story, and then tag our website at themortgagestation.tv so more interested people and media sources across Canada find our reports and videos.
We noticed that a number of the lenders, both banks and others, subscribe to this service, which makes sense since they all have a media division and they will want to know the latest trends in both finances and politics.
We researched the stats provided by the service, and based on what we read, we will now be returning with vigour to producing videos to support our stories. The first will be produced to accompany the story "The Givers, the Takers, and the Victims - Verico the Mortgage Station" through which we explain how the brokers at Verico the Mortgage Station methodically drained our Producer in order to make him susceptible to loan sharking, and in doing so they effectively killed the ability of our much respected, multiple award-winning not-for-profit, social enterprise media service to produce fully donated videos for the hundreds of charities, not-for-profits, and benevolent community groups that counted on us for fundraising and community awareness. We also now have a tool, as part of the package, for promoting both our stories and our videos on YouTube to a much larger market. All of our current and pending videos are found in a group on our Five Points Media YouTube channel, which is what we will be sharing with those hundreds of independent Canadia media services.
It is unlikely that this increased national exposure will sit well with the Principal Brokers across Canada who invested a lot of money for a license under the Verico banner, and who are now being branded by association.
Stories Swarmed from Across Canada 90 Days After 'Broker Convention' - Verico the Mortgage Station
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.
Why are Verico brokers across Canada being forced to accept losses caused by the exposure of crimes committed by some Oka from Muskoka, and why is head office covering it up?
We ran an IP address and geographical comparison between the two lists of visitors, and it is a statistical nearly impossibile that this is a coincidence.
Mistakes of the Fool - Verico the Mortgage Station
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.
"There is no greater fool than one who believes his own lies." - Roger Blake.
In her retort, the deceived potential client was not in any way subtle about how she felt about David Flude, or about the lies he told about our philanthropic Producer and why we are producing this expose documentary.
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.
Anybody not wearing blinders can see that this data shows traffic levels about ten times as high as what we had previously recorded.
Con-Artists Cost Our Community - Verico the Mortgage Station
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.
On one side you have givers, who have provided fully donated services to hundreds of charities, not-for-profits, and benevolent community groups, and on the other you have provincially licensed brokers who are legally obligated to serve the best needs of their clients, but who instead committed crimes, abused the trust of their client, and refused to address the offences.
This easily established instinct to step up and help those in need is eclipsed by the self-serving actions of the brokers at Verico the Mortgage Station and their allies at Verico Financial Group Inc. and HomeEquity Bank.
Loan Shark Denial Only In Simcoe County
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.
How is that scumbag any different than Renee Dadswell, who charged 198% interest on a short-term loan to a philanthropic client?
"Finding You Dead In A Ditch" - Verico The Mortgage Station
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:
- Collaborate Nottawasaga - OPP and 20 other official county agencies.
- Innisfil Christmas 4 Kids.
- Angus Legion - A Charitable Donation for a Worthy Cause.
- Innisfil Sign War - Helping Local Businesses.
- Innisfil Stationary Santa Claus Parade.
- Innisfil Pride Paddle A Huge Success.
- MPP Andrea Khanjin's Innisfil Community Skate.
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.
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.
Today, we found out what can happen when you miss some code, which resulted in a bittersweet moment.
Holding Their Feet to the Fire - Verico the Mortgage Station
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:
- David Flude has admitted to knowing about the illegal loan sharking in an email from almost two years ago.
- 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).
- 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.
- 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.
- 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.
- 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.
The old idiom "hold his feet to the fire"alludes to an ancient test of character.
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
. . . 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.
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.
"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."~ business banker at one of the Big Five banks
You Be The Judge - Verico the Mortgage Station
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?
Our Producer helps to deliver food to those in need three nights a week.
That works out to between 200 and 300 people being fed each week.
This hardly represents the 'serial agitator' described by David Flude.
Why The Elephants Fear the Mouse - Verico the Mortgage Station
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."
They huff, puff, and bluff, but the brokers at Verico the Mortgage Station and their allies at Verico Financial Group Inc. and HomeEquity Bank are terrified to challenge our allegations.
Sadly, for the writer, there is no version of Viagra strong enough to stimulate full emasculation.
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).
It is noteworthy that the head of the regulatory body for the financial sector appears quite open to chatting with us on camera, and reviewing our evidence, but 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 too afraid to stand up for their own actions. They have all chosen to ignore our multiple offers of an interview, through which they could have disproven our allegations with hard evidence if they have any. They also chose collectively to ignore our offer of a without prejudice meeting during which they could have convinced us to cancel the production. We put that offer directly in the email as follows: "If any of you feel similarly oppressed, or if you believe that we have wronged you through our fully supported allegations, it is in your best interests to publicly refute and disprove our claims. If you can debunk our allegations on camera, using tangible evidence, we will cancel the production. We cannot be fairer than that. If the brokers of Verico the Mortgage Station won't do that, their inaction should speak volumes to the third-party corporations that have lined up like lemmings to support their criminal activities on nothing more than blind faith.."
It does not take membership in Mensa to understand who is hiding and why.
Mens Rea - A Guilty Mind - Verico The Mortgage Station
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.
Some people live by the unfounded belief that they can avoid responsibility simply by ignoring it. Sadly, the outcome seldom favours that self-centred demand of entitlement.
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.
This is the latest cloak-and-dagger visit to our commercial website, as the multi-million and multi-billion-dollar corporations hide from the not-for-profit social enterprise.
We have many glowing reviews from those we have helped on a strictly donated basis and our videos include interviews with just about every mayor in Simcoe County, and also Chiefs of Police, and politicians of virtually every political stripe and level of government. Every day, more potential clients, colleagues, competitors, and lenders see that our professional history and and status as a highly respected service within our community are not conducive to the cover story of an 'agitator' that is being told by David Flude to deceive those who will allow themselves to be manipulated by unsupported stories of manufactured victimhood.
If he will lie about that, and also lie six times in two emails (1) (2) to evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA), what else will he say to convince others that he is the honest one?"You can fool some of the people all of the time, and all of the people some of the time, but you can not fool all of the people all of the time."~ Abraham Lincoln
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.
That need to cower in the shadows is not indicative of honesty
but is an obvious symptom of a guilty mind.
It was Easter Sunday, and all we expected to see was tumbleweed.
For reasons that our team and most of our followers are unable to understand, the brokers at Verico the Mortgage Station seem incapable of coming out into the light to discuss our allegations. Instead, they clamber around our websites trying to find something . . . anything . . . they think they might be able to use to scare us away from exposing their criminal and ethical breaches of trust. That is very strange for professionals of an ethics-driven business to operate, and although they have been able to hide from us, at least so far, we will have to see if that holds up when the Financial Services Regulatory Authority of Ontario (FSRA) drops in to investigate.
"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."~ a statement made by a Big Five banker on March 28, 2024.
The brokers at Verico the Mortgage Station stole money from a trusting client almost two years ago, and ever since they have hidden, refusing to meet their accuser or to present their side of the story or their evidence, if they have any, through an on-camera interview or even through a without-prejudice meeting. They have instead fallen back on online research companies, academia, and a plethora of lawyers, evidently looking for some kind of weakness they can exploit to escape from the exposure of their crimes and ethical abuses, or perhaps to try to understand our motivation. All we have ever asked for is an on-camera interview, and it is a fact that no person, organisation, or legal entity has ever contested the validity of our reporting. While we stand tall in the light, using our own names and not hiding who we are, those we accuse of criminal and ethical abuses are clearly incapable of coming out of the shadows.
That need to cower in the shadows is not indicative of honesty but is an obvious symptom of a guilty mind.
In fact, the only actions taken so were done through anonymity, which is not exactly a good look for an ethics-driven and monitored business. They first time was when somebody from HomeEquity Bank filed a false, legally unsupportable, and easily disproved claim with Facebook, alledging copyright violations that do not apply under the Copyright Act to media. The second was a lame and pathetic 'threat' of using a court condemned Strategic Litigation Against Public Participation (SLAPP) lawsuit to silence the truth. That 'threat' was sent via a generic email account by an anonymous agent who refused to identify themself and did not sign the false allegations. our Producer responded by going out of his way to include his contact information and to sign his reply because, unlike those we are reporting about through this expose documentary, we have no reason to hide. The end result was the mystery wannabe intimidator has not been able during the past almost 90 days to muster the testicular fortitude needed to file the claim with any court.
Why would multi-million and multi-billion-dollar corporations be afraid of a small, not-for-profit, social enterprise, unless they know we are telling the truth and we have the evidence to prove it?
Almost two years ago David Flude metaphorically raised his middle finger to the 'regulatory requirements' of the Financial Services Regulatory Authority of Ontario (FSRA) by refusing to meet with a client and write a report for the government oversight agency acknowledging that his brokers had defrauded a client by usury, or loan sharking, even after telling that client that the meeting was obligatory and he could not be 'kicked to the curb' or 'pushed aside' because the meeting and report were a 'regulatory requirement'. We look forward to seeing if the Financial Services Regulatory Authority of Ontario (FSRA) is a true oversight agency that will act in defence of people who are defrauded in Ontario, or if they are simply another South Simcoe Police Service, where detectives omitted key evidence and falsified financial formulas to assist the multi-million and multi-billion-dollar corporations to evade criminal prosecution.
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.
"Whoever walks in integrity walks securely,
but he who makes his ways crooked will be found out."
These humanitarian actions, which are easily established as fact, are hardly conducive to the troll-like image manufactured by David Flude which he failed to support with a single iota of evidence. His story was told to a potential client who called him out as a liar before walking away and taking with her a commission of about $8,000.00 that could have gone to David Flude if he had simply owned up to his actions nearly two years ago: David Flude claimed without any kind of corroboration: "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 trying to promote his own business." ~ David Flude, Principal Broker at Verico the Mortgage Station.
Every single word of David Flude's self-serving statement was a lie, which will likely be concerning to the Financial Services Regulatory Authority of Ontario (FSRA) since he is ethically obligated to be honest.
Of course, there was no evidence presented, and the Principal Broker of Verico the Mortgage Station neglected to provide any details. The truth, which is supported with evidence, is that about twenty years ago our Producer took a negligent landlord to the Landlord-Tenant board, where he was victorious in forcing them to fix the furnace. He also assisted the community by ending repetitive abusive litigation undertaken by a two-times court judged defamatory libelist who had sued dozens of people, businesses, and even a charity in a transparent attempt to extort money. Again, our Producer was successful, this time in attaining an order of vexatious litigation that stopped the ongoing abuse. John has never sued a neighbour, nor any politician, nor anybody else, and the Principal Broker at Verico the Mortgage Station had no legitimate reason to manufacture such a story. David Flude, who has shown himself repeatedly to be extremely dishonest, simply made up a story in an attempt to convince a client to hire him so he could secure a commission of about $8,000.00 on her mortgage.
It does not take long for people to see that the stories told by David Flude and his brokers and allies do not in any way reflect the truth.
David Flude, who works on trust, chose to lie by concocting a story he could tell about a client that he knew was not true so he could evade accountability for his own ethical violations of trust. His allies just went along with the plan, and then double downed as the truth became more readily known. Now, they will also have to explain their inaction and their choice to back up the brokers at Verico the Mortgage Station to the Financial Services Regulatory Authority of Ontario (FSRA) and our fully supported allegations of usury, or loan sharking. Then comes the truth of how David Flude lied six times in two emails (1) (2) to evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA), and how David Flude 'threatened' our team, with specific focus on our twenty-something-year old interns and apprentices, through a cowardly unsigned and anonymous 'notice of libel' that served only as a threat of a reprehensible Strategic Litigation Against Public Participation (SLAPP) lawsuit that they never mustered the courage to file with any court.
We are not hiding who we are, and we are making our allegations openly, so why are these multi-million and multi-billion-dollar corporations so obviously afraid of our small, not-for-profit, social enterprise?
The brokers at Verico the Mortgage Station and their allies at Verico Financial Group Inc. and HomeEquity Bank have simply ignored all offers to be interviewed at which point they could present their side of the story and any evidence that counters our allegations, if they have any. They have also refused to meet on a without prejudice basis, even though David Flude has acknowledged that he had an obligation 650+ days ago under the 'regulatory requirements' to do so.We have now advised the Financial Services Regulatory Authority of Ontario (FSRA) of the situation, and given our exposure of other apparent abuses of trust, such as by the detectives of the South Simcoe Police Service who chose to omit evidence and manufacture false figures using incorrect formulas, we are hoping that Mr. Mark White, CEO of the Financial Services Regulatory Authority of Ontario (FSRA) understands that we are telling this story as it happens, based on the evidence and in defiance of favours done for multi-million and multi-billion-dollar corporations. More importantly, we hope he sees what has elluded David Flude, his brokers, and their allies, that we will do whatever is legal and required to ensure this story of ethical abuses is heard across our nation.
We are not in any way religious, but it is Easter, so we will leave you with this verse from Proverbs 10:9:
"Whoever walks in integrity walks securely, but he who makes his ways crooked will be found out."
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.
A protest and information picket to educate potential victims and attract media to the offices of Verico the Mortgage Station could be coming to fruition.
Exposing Loan Sharking Through The Financial Services Regulatory Authority of Ontario (FSRA)
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."
"Brokerages lose their licenses over stuff like this . . .
. . . 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".
This proxy server pretended to be in Strasbourg, Grand Est, home of the European Parliament.
We don't pretend to understand what 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, hope to accomplish from hitting our website a hundred times in the middle of the night for a couple of seconds each visit. They have tried this trick multiple times, apparently without accomplishing anything, as you don't come back looking for something that you have already found.
"Insanity is doing the same thing over and over and expecting different results." ~ Albert Einstein
The brokers at Verico the Mortgage Station are licensed by the Financial Services Regulatory Authority of Ontario (FSRA) as a means of protecting the public, and in this case the especially vulnerable seniors. They and the management team are legally required to be ethical and honest in their dealings as a condition of being able to work in that industry. David Flude acknowledged directly in an email that he was obligated by 'regulatory requirements' to meet with his client and to file a report with the FSRA regarding the fraud by usury that was committed by Renee Dadswell and Lisa Purchase. However, he chose instead to ignore his obligations and then hide for almost two years. He also admitted to knowing that his brokers had committed the crime of loan sharking, which carries upon conviction a prison term of up to five years.
The brokers at Verico the Mortgage Station chose to act unethically, and now they are flailing in every direction trying to find something they believe they can use to escape exposure for their criminal abuses of trust.
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.
Our expose documentary production team is taking this story up a notch to warn more potential victims of crime by usury as committed by the brokers at Verico the Mortgage Station and ignored by their allies at Verico Financial Group Inc. and HomeEquity Bank.
By boosting our reports and videos directly to the social media pages of potential victims and their friends, we will reach tens of thousands of first local residents, and then more on the social media pages of their friends and followers across the country. In addition, we will be calling on our tens of thousands of like-minded associates in the various activist groups we have assisted to share, promote, boost, and comment on our posts about this important issue of senior fraud by seemingly trustworthy mortgage brokers who operate a side-gig of loan sharking. David Flude, his brokers, and their profit-driven allies can be assured that for as long as they hide, this story is not going anywhere any time soon.
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.
Accused, exposed, humiliated, and spiralling downwards anchored by the truth and evidence.
People don't like businesses that hurt charities and those in the greatest need.
People see the facts:
- Renee Dadswell, with the help of Lisa Purchase, defrauded a senior and veteran by usury, or loan sharking, by charging 198.25% interest on a short-term loan, when the legal limit is 60%. This is easily proven by the content of just one video.
- Detectives of the South Simcoe Police Service went so far out of their way to avoid having to investigate the crime, and to avoid prosecution, that they omitted tangible evidence including a bank statement and the mortgage funds disbursement record created by the brokers at Verico the Mortgage Station, which makes zero sense unless they were 'motivated' to help the multi-million-dollar company and their multi-billion-dollar friends. This is easily proven by the content of just one video.
- David Flude lied six times in two emails (1) (2) to evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA). He also admitted to knowing about the criminal offence that was being committed by his brokers. This is easily proven by the content of David Flude's own emails.
- Regardless of our multiple very public allegations, including some against the South Simcoe Police Service and Simcoe County Council, we have never been challenged either through civil action or an official investigation, such as being conducted by the Ontario Provincial Police. Simply put, other than us, nobody who has touched or been touched by this story wants the evidence to be reviewed in any official forum, such as by a Justice presiding over litigation in the Superior Court of Justice, who cannot be so easily 'motivated' to omit evidence and falsify formulas to help the brokers at Verico the Mortgage Station and their billionaire allies.
These are just a few of the allegations and observations that we have presented publicly within the content of our reports and videos. However, neither the multi-million-dollar brokerage, nor their multi-billion-dollar allies have contested anything we have said, which is truly catching the attention of many people. All they have managed to do is hide for nearly two years and 'threaten' us from anonymity by proposing an abusive Strategic Litigation Against Public Participation (SLAPP) lawsuit that they have never mustered the courage to file with any court. If that is not cringe-worthy enough, as part of their unsigned 'threat' that they were too cowardly to take ownership of, they also specifically targeted our 20-something-year-old apprentices and interns within that ultimatum:
"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".
Is that weak and legally unsupported nonsensical claim supposed to be a sign of strength, or is it simply a pathetic attempt at bullying used by a coward trying and failing to sway our resolve?
The saddest part is this spiral into public exposure and humiliation is 100% the result of the indecision demonstrated by David Flude, who also seems determined to drag his colleagues and allies down with him. Instead of acknowledging what he has called an 'error', that he has admitted to knowing about in writing, and moving forward in an 'honourable' way 650-plus days ago, at a time before we started reporting on this story, the Principal Broker at Verico the Mortgage Station is now exposed and is being mocked and demeaned by people who are writing to us as thankful mortgage seekers who found our story before making the mistake of hiring the brokers at Verico the Mortgage Station. Other similarly debasing correspondence is coming from self-identified representatives of other Verico brokerages, competitors, and even lenders.
You need to look no further than the article directly below to see why.
Some people need to be hit by the tsunami before they will admit that the sea is rapidly receding, or they will stand in a state of shock, unable to move, until it is too late to do so. David Flude's total inaction is reminiscent of the security guard in the famous scene from Austin Powers, who refused to move out of the path of the very slow-moving steamroller, resulting in him becoming a messy part of the floor. People with this mental defect, known in clinical circles as 'Aboulomania' just can't seem to understand that sometimes it is smarter to hurt your shoulder jumping out of the car and rolling, rather than dying when you hit the brick wall at full speed.
All we have ever asked for is an interview, and it has become pretty obvious why the brokers at Verico the Mortgage Station and their allies are terrified by the prospect of facing our evidence.
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.
It is good to see you are still fighting to help the seniors and other mortgage buyers in "our" community. I know I will always appreciate what you did for us.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"
This image is intended as a metaphor and is not meant to depict harm to any person.
The person depicted is a fictional character and is not meant to represent any real person.
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.
We removed the specifics of our bandwidth use as it is not overly important to the story, and we have the right to keep some details to ourselves.
No lie, threat, or tactic of evasion will silence this story of how provincially regulated brokers defrauded a senior and veteran through loan sharking, and then 'motivated' police and politicians to evade justice.
"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.
The brokers at Verico the Mortgage Station abused the trust of their altruistic client who believed they were ethical. In time he saw the truth, and although he was defrauded through usury, the internationally experienced investigative journalist and former private investigator became much more concerned about the much higher cost burden that eventually caused the virtual closure of the benevolent, not-for-profit, social enterprise that he had self-financed for eleven years.
That hole just keeps getting deeper, as the brokers at Verico the Mortgage Station tell more lies, yet every day, their credibility is destroyed by evidence and their own lack of action.
As a result of their nine-week-long malicious game of stall and delay, David Flude, Renee Dadswell, and Lisa Purchase, the brokers at Verico the Mortgage Station caused real and potential harm to every charity, not-for-profit and benevolent group in Simcoe County. Meanwhile, 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, refused to lift a finger to help their client or the community, or to hold the brokers of Verico the Mortgage Station accountable for their crimes.
Each of these 'trustworthy' and 'ethical' licensed brokers and lenders has demonstrated that they could not possibly care less, and they have all gone out of their way to avoid denying their culpability.
In fact, each of these couldn't-care-less con artists has shown repeatedly that their only goal is to evade, avoid, hide, and defer blame. David Flude lied six times in two emails (1) (2) to evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA). The Principal Broker at Verico the Mortgage Station also told some whoppers to Elizabeth, the potential new client noted above, who came to him looking for 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 endorsing the truth of our reports and videos. The full email can be found here.
They all seem oblivious to what matters to people seeking the services of a mortgage broker; that being trustworthiness, ethics, and accountability.
What David Flude, his brokers, and their allies are projecting to the public by hiding for more than 18 months, pointlessly, vacuously, and anonymously denying their collective accountability, trying to evade the facts and tangible evidence, and defying the regulations of the Financial Services Regulatory Authority of Ontario (FSRA) was expressed best by their lost referral client Elizabeth, who metaphorically emasculated David Flude like a lioness taking down a gazelle on the Serengeti:
"Mr. Flude. You truly must think people are stupid, and your explanation is insulting. After receiving your response I read everything Ironside posted about you and I watched all of his company's videos. His work is clean well produced and professional, unlike your accusations that appear vacuous unsupported and offensive to the intelligence of other people. If he was what you claim he would not be putting his name on his work, and you would have sued him a long time ago as he openly taunts you to do more times than I could count. I even went back to watch some of his other videos. The man has credentials from work all over the world and he was selected for an award for altruism in Barrie. nonetheless, you paint him as simply an agitator. You insult me sir as you do anybody to whom you tell that lie. You also fail to mention that those people he - agitated - all lost to his eviednce and several were convicted or fined as criminals. That means he was right, and it is why you will not fight him in court.. Have you watched any of the videos he has produced for the hundreds of charities that are not about your company? I doubt it, but I did. Not all 300 plus of them, but enough. He has worked with everybody from multiple mayors to the chiefs of police. That is one well-connected agitator. I once worked in the courts many years ago and clearly, your agitator is somebody who stands up as we all wish we could. I read through your cover story like you are stamped on tracing paper. As you can see I have copied this email in full to your agitator and i am granting Mr. Ironside my consent to use it as he wishes. I think he is doing a damned good job exposing you and your agents and I would even be happy to chat with him on camera. I am ever so glad I found his reporting about your business. I will also be asking if he can recommend an honest broker. Do not insult me again by trying to whitewash your actions. I will advise my friend of what I have learned and I doubt they will be coming to you for any renewals. i admit I have been angered by your deceptive response as i do not like being lied to. I do not want to hear back from you again. E."The full email can be found here.
Every week, we are visited by a couple of dozen individuals or families who come looking to hire the services of the brokers at Verico the Mortgage Station, likely through referrals. Instead, they find our fully supported reports and videos. Some, we have learned, are individuals looking to retire by the lake. However, most are families planning to move away from the crime and grime of the Greater Toronto Area, and they are seeking to mortgage a home in Simcoe County or the Muskoka District Municipality.
As was the case with Elizabeth, most quietly go somewhere else, taking the commission with them.
This is fully understandable, as our story is about how the brokers at Verico the Mortgage Station committed fraud through the indictable criminal code offence of usury, which carries a prison sentence of up to five years. Worst, that crime was committed against a senior and veteran, whose business they coveted through their relationship with HomeEquity Bank who offer the CHIP Reverse Mortgage. Most people question rightfully why a multi-million-dollar company with multi-billion-dollar allies would allow a small, not-for-profit, social enterprise to make such allegations without challenging the accuser in court, and the reason quickly become quite obvious.
The brokers at Verico the Mortgage Station charged 198% interest, when the legal limit is 60%, on a short-term loan that they manufactured the need for through manipulation, and we have the evidence to prove it.
We have easily established this claim through bank records, the mortgage funds disbursement record created by the brokers at Verico the Mortgage Station and the brokers' own emails. That correspondence shows clearly how each of the brokers has admitted to the validity of our allegations that they stole money by usury, or loan sharking (Renee Dadswell), (Lisa Purchase), (David Flude). We are being told that the brokers at Verico the Mortgage Station are trying and failing to explain this story away by saying our producer is 'mistaken' and he 'doesn't understand'. However, if it that was the case, they would be begging for a meeting to discuss our allegations just to stop our reporting, that is now reaching thousands of people and will soon reach many more. They would definitely NOT be hiding from us and refusing to meet even on a without prejudice basis. The attitude, as 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 most definitely NOT one of people who made an honest mistake. Hiding and clutching pearls is how the guilty avoid dealing with a no-win situation after they have been caught breaching their ethics and breaking the law. Look no further than Donald Trump, who rants about the 'injustice' and the 'witchunts' and many other vacuous whines, yet he presents zero evidence to support his claims. That is the exact same reason why those we are exposing run and hide rather than sit down for an interview or the offered confidential meeting.
Ego and an inability to defend their actions are the only reasons David Flude and the brokers of Verico the Mortgage Station will not discuss the facts of this story in any open forum.
Instead of acting ethically and accepting responsibility, the brokers at Verico the Mortgage Station tried to conceal their unethical behaviour through lies and defiance against the regulatory authority of the Financial Services Regulatory Authority of Ontario (FSRA), through collusion with the brand's head office, Verico Financial Group Inc., and via collaboration by the lending bank, HomeEquity Bank. When we went public, they got a little help from the 'good old boys' local police officers, who omitted tangible evidence like the bank record and mortgage funds disbursement record that substantiated the rate of criminal rate of interest that was charged. Finally, County Councillors experienced selective blindness when they were advised of the actions of the multi-million-dollar company that is backed by multi-billion-dollar allies, and when we would not back off on reporting the truth, the brokers at Verico the Mortgage Station 'threatened' to abuse the purpose and intent of our civil court system through the use of an unethical and Supreme Court disparaged Strategic Litigation Against Public Participation (SLAPP) lawsuit. That 'threat' was sent anonymously, from a generic email account, without a signature or any means of identifying the writer and was so effectively debunked by our producer in just one email that David Flude and his allies have lacked the courage to file their claim or any evidence in support of their threats with any court.
It is also a fact that none of these individuals or organizations, including the South Simcoe Police Service and County Council, have contested our allegations or taken any action to silence this story.
At this point, if 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, truly believe they are fooling anybody, then they are living in a world of delusion. As we will be posting later tonight or in the morning, we have once again, for the second time since moving this story to the domain themortgagestation.tv, been advised of a need to increase our bandwidth limits. That means we are attracting more people who are visiting more often and staying longer to read our reports and view our videos. Much of that bandwidth has been local, while the second largest chunk of regular visitors came from those seeking to escape the Greater Toronto Area. In addition, a large swath of visitors come from the provincial government, most likely the Financial Services Regulatory Authority of Ontario (FSRA), who seem to have started their own investigation without a complaint being filed. That is the power of media and public awareness. The final big piece is mainstream media from various networks and some that are still working in print.
While they hide, we stand in the light. While they threaten to sue but take no action, we offer our evidence to all. While they lie and deny, we cross-reference the details because we want our visitors to learn the truth.
They know we have the evidence to support our allegations, which is why they tried and failed to scare us off through a whiney "Notice of Libel"that is so weak they had to send it anonymously, and they will not file it in a court of law where evidence is all that matters. That is why we, the owners of a small not-for-profit social enterprise. are open about who we are, and while the owners and directors of muti-million and multi-billion-dollar corporations are hiding in the shadows. Other Verico branded brokers are now defying their head office at Verico Financial Group Inc. by corresponding with us to try to learn the whole truth instead of accepting the crafted lies, and the lenders who provide financing to the mortgages sold by the brokers at Verico the Mortgage Station and the other franchises or regional offices that are licensed under Verico Financial Group Inc. are scrutinizing our stories and videos daily. They are all a very big part of that increase in bandwidth.
Corporate offices, like those of the lenders, are full of aggressive people trying to climb the ladder, and if it suits their purposes, they absolutely will throw the entire Verico Financial Group under the bus.
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.
The online researchers, members of academia, and lawyers are likely stringing David Flude along, loving the money generated by his need to grasp for any straw they might find.
Lawyers are wise enough to avoid somebody who has defeated nine lawyers from three Bay Street law firms in three different courts and then caused the bankruptcy of the abusive multi-million-dollar corporation.
It is little wonder that David Flude seems to be too afraid to take to court his groundless allegations of defamation. It also seems quite obvious why he is grasping at straws in a vain attempt to manufacture a path of escape. We have established using evidence how each of the brokers at Verico the Mortgage Station has admitted in writing that they collectively stole money by usury, or loan sharking (Renee Dadswell), (Lisa Purchase), (David Flude). We have also shown how David Flude, the Principal Broker at Verico the Mortgage Station, lied six times in two emails (1) (2) to evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA), and how he deceived a potential new client through emails that had no resemblance to reality. You can see the entire email here.
Then comes the question of ethics, which most people estabish by judging credibility, evidence, and behaviour.
Unlike David Flude, who lied brazenly from the shadows to his potential new client, Elizabeth, and was metaphorically handed his ass in her reply, we have been open in asking our followers to do their own research and to consider the character of those telling this story. On one side you have our team that is dedicated to our community in which we actively help and support every benevolent group that comes to us for assistance. On the other side, you have the self-established ethically challenged brokers who have all admitted to committing fraud by usury against a senior and veteran. Then, they lied six times in two emails (1) (2) to evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA). Then, they hid for 18 months to evade having to answer for their actions. Then, they found a way to 'motivate' an officer of the local South Simcoe Police Service to omit evidence and falsify calculations. Finally, and we are sure they are not finished, they 'threatened' our producer and specifically our twenty-something-year-old interns and apprentices.
"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".
Not only was this drivel non-factual, and not at all legally supportable, as David Flude would have known had he hired a lawyer, the weak attempt at bullying was made with reference to a threatened unscrupulous, intimidation motivated, and legally abusive Strategic Litigation Against Public Participation (SLAPP) lawsuit, as was made through a lame, legally unsupported, do-it-yourself allegation of libel that we so fully debunked in just one email that 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 past almost eighty days.
There is justification for why lenders are covertly asking us for unredacted evidence, and we would not be surprised, given the collusion, if the entire Verico Financial Group was required to establish rebooted ethics.
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.
How long will the bonds hole when the allies of the loan sharks come to work to find a picket line made up of members of the homeless community and social justice protesters from unions and other activist groups?
For reasons unknown, the loan sharks at Verico the Mortgage Station and their allies still appear to believe they are untouchable and above the law.
It is very easy to establish we are closely connected with unionized labour, progressive political activists in various communities, the homeless support network, and many other socially and politically active organisations. That tends to happen when you voluntarily donate services in support of their causes for more than a decade. For example, on February 26, 2024, we were boots on the ground in Hamilton to help a small and under-supported homeless advocacy group called Jordan's Life. We helped to set up some of the first tents outside of Hamilton City Hall where the plan was to protest the council's plans to use available land to create a parking lot rather than to build affordable housing.
We also used our cameras to ensure that security did not become abusive.
The protest grew, and now, a month later, there are hundreds of tents and more than a thousand mostly homeless protesters living in tents in full view of the mayor's office twenty-four hours a day. Now, they are drawing national media attention, and their leadership is meeting at the request of the same Mayor and Councillors who previously would not give them the time of day. They have also grown in support so much, and there are so many of them who trickled into the makeshift encampment over time, that the thought of forcibly removing them is a public relations nightmare. They have vans showing up without fanfare to unload hundreds of poounds of food, water, and the necessities of life for living outside, and a full kitchen is set up where at the beginning, city firefighters, acting on a 'complaint', demanded that a single fire, and the only source of heat, be extinquished. Yesterday, the issues of housing was front and centre during a City Hall visit by Doug Ford.This is the power of grassroots protests.
As noted on this Latest News page on March 17, 2024, we have set up six social media accounts focused on mortgage fraud in Canada. Of course, we will be focusing on this story and one other we are now almost ready to expose. We will be inviting average tax-paying Canadian individuals and families to share with us their stories and allegations involving various brokerages and lenders. Once those accounts are fully formatted, likely this weekend, we will be joining hundreds of social media groups that are associated with the housing and mortgage industries, and we will be sharing how David Flude, Renee Dadswell, and Lisa Purchase, the brokers at Verico the Mortgage Station, committed fraud by usury, or loan sharking, and how 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 turn a blind eye and betray their trusting client in the name of profit. Given the reality of the current housing market, we fully expect to draw considerable attention.
We have the evidence, and we are happy to share it with those who can benefit by being protected from becoming similarly victimized.
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.
Just imagine the reaction of potential clients. This picture will be updated shortly.
Let's see the loan sharks hide from seeing their own faces looking in on them every day with knowing eyes.
Genuine, ethical people don't hide from their actions, but evidently 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, think it is their right to steal money from a client, or to turn a blind eye to it happening, and to cause, directly or through inaction, the closure of a benevolent service that donates media services to community charities and benevolent community groups for purposes of education or fundraising.
Regardless of their 'reasoning', they refuse to take responsibility for their actions.
Apparently, they believe it is 'ethically acceptable' to evade accountability by 'motivating' those in authority, also known as soliciting protection. We feel otherwise, as do thousands of honest Canadians who are now watching us expose these abuses for all to see, and who want us to bring to justice those who hurt vulnerable people like seniors in the name of greed. Quite obviously, the scheme by the brokers at Verico the Mortgage Station has not gone to plan, and now they are metaphorically floating down a fast river without a rudder. They have tried breaching their ethical obligations, and hiding for 18 months, and threatening civil action that they have lacked the courage to file with any court (see the bottom time counter at the top of the page). Apparently, from what we see in our visitor logs, they now have no idea what to do, but we are sure David Flude is telling a good story ;-)
We will not accept corruption and abuse of authority, so in the style of other socially-poignant documentary producers, such as the infamous 'agitator' Michael Moore, we will be taking this expose up a notch.
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.
'Them compared to you is like night and day.' Ethics is a choice.
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:
Corruption and abuse of trust cloaked as ethical service have long been seen as the sleazy, lazy, and fraudulent path to success.
A comment about our Producer made online by a mother who we helped seek justice after her son died in a frozen illegal rented trailer.
We have earned the trust of Barrie's local homeless community, for whom we work with a local charity to provide food and the necessities of life.
Our crew were 'boots on the ground' in Hamilton supporting affordable housing. This grass roots protest grew in a month from a few dozen to thousands. Full details here.
"On one side you have a team that is dedicated to their community in which they actively help and support every benevolent group that comes to them for assistance. On the other, you have trusted brokers who have all admitted to committing 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 past seventy days".
"Some people think that the truth can be hidden with a little cover-up and decoration. But as time goes by, what is true is revealed, and what is fake fades away." Ismail Haniyeh
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.
Desperation, anxiety, and panic seem to be the mood of the day as an anonymous researcher studies twenty pages of our commercial website, looking for something . . . anything.
The visitor was all over the website, jumping from our homepage, to our location services, to our studios, to our facilities, to our animation capabilities, and our team page, where they once again got to watch a silly video about our studio dogs running the show. Honestly, what could they be hoping to find? Nobody who is truly interested in hiring our crew would fly by pages in a few seconds. This was simply a desperate, panicked, and irrational attempt to find something . . . anything . . . they might be able to use to discredit us, to counter the divisive effects of our altruism within the community, which includes direct boots-on-the-ground support for our homeless community. We know that the reality of who we are has affected at least some of the lenders we wrote to on Friday, March 15, 2024, because some of them came back over the weekend and today, and we can see who visits and what they read and watch.
It certainly seems like some of those representing that big money support David Flude has relied upon, to support him and believe his tall tales, are seeing the truth and they are likely angered that they were lied to.
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.
They suggested using the Latest News page for short updates only, and to "tease and redirect"longer pieces to new pages that would contain several commonly themed 'Latest News' stories, formatted as layered articles that we could also link to in all other reports.
We do not know the motive behind the help from our online expert, but their advice is always welcome.
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.
It does not matter if you draw on the analogy of the Biblical tale of Jericho, or the more contemporary allegory of the Tamarian Story of Shaka, the walls are definitely starting to fall.
It is very transparent to most of our followers that the support afforded them 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, and the decision by detectives of the South Simcoe Police Service to arbitrarily omit evidence and falsify calculations to help those who 'motivated' their support are driven solely by intense greed.
Now the lenders, who include some of Canada's largest banks, cannot fall back on plausible deniability.
Although they will not likely admit it to the brokers at Verico the Mortgage Station, we also received several replies from lenders and from anonymous sources asking questions and requesting unredacted copies of the Bank Statement and the mortgage funds disbursement record that was produced by the brokers at Verico the Mortgage Station which solidly prove our allegations. Those are the official financial documents that the 'motivated' detective of the South Simcoe Police Service chose, without explanation, to simply set aside and omitted from their investigation.
Ironically, that act of obstruction of justice is what inspired support from many of our budgetary associates.
From the various forms of response, it is pretty obvious that the lenders are now feeling they have good reason to suspect deception on the part 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. Special focus is rightfully now directed at David Flude, the Principal Broker, who we have shown through the use of solid evidence lied six times in two emails (1) (2) to evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA). We also showed, using his own email replies as evidence, how David Flude blatantly lied to a potential new client, a former legal professional, 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.
"Mr. Flude. You truly must think people are stupid, and your explanation is insulting. After receiving your response, I read everything Ironside posted about you, and I watched all of his company's videos. His work is clean, well-produced, and professional, unlike your accusations that appear vacuous, unsupported, and offensive to the intelligence of other people. If he was what you claim he would not be putting his name on his work, and you would have sued him a long time ago as he openly taunts you to do more times than I could count. I even went back to watch some of his other videos. The man has credentials from work all over the world and he was selected for an award for altruism in Barrie. Nonetheless, you paint him as simply an agitator. You insult me sir as you do anybody to whom you tell that lie. You also fail to mention that those people he - agitated - all lost to his evidence and several were convicted or fined as criminals. That means he was right, and it is why you will not fight him in court. Have you watched any of the videos he has produced for the hundreds of charities that are not about your company? I doubt it, but I did. Not all 300 plus of them, but enough. He has worked with everybody from multiple mayors to the chiefs of police. That is one well-connected agitator. I once worked in the courts many years ago and clearly, your agitator is somebody who stands up as we all wish we could. I read through your cover story like you are stamped on tracing paper. As you can see, I have copied this email in full to your agitator and I am granting Mr. Ironside my consent to use it as he wishes. I think he is doing a damned good job exposing you and your agents and I would even be happy to chat with him on camera. I am ever so glad I found his reporting about your business. I will also be asking if he can recommend an honest broker. Do not insult me again by trying to whitewash your actions. I will advise my friend of what I have learned and I doubt they will be coming to you for any renewals. I admit I have been angered by your deceptive response as I do not like being lied to. I do not want to hear back from you again." View the entire email here.
Normal people looking for a mortgage can see that our producer is not an 'agitator' but somebody who was defrauded and who is using his skills in investigative journalism to protect other potential victims.
The fully supported evidence that our producer presented to each of the lenders regarding our eleven-year history of philanthropy, and the direct support we provide to the homeless community and Barrie's less fortunate families seems to have been enough to show most of them the truth, as more than half went to our Five Points Media website, focusing on our fully donated community work and the testimonials of the hundreds of charities, not-for-profits, and benevolent groups we have supported. That post, about helping with a laundry program, drew more than twice as many likes etc. as another recent post about the third birthday of our studio moose Bella, and that girl is known by all of our followers.
By comparison, we brought forth some simple fully supported facts about David Flude and the brokers at Verico Financial Group Inc.
"On the other, you have trusted brokers who have all admitted to committing 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 past seventy days."
It is easy to see the difference and to understand why these financial professionals, who are ethically bound regarding how they do their jobs, would now question the justification for their loyalty.
David Flude and the brokers at Verico the Mortgage Station have maintained for as many days as you see in the counter above, the mentality of hide and wait it out. Professionals in the financial sector know that is not the course of action of an honest colleague, and this includes Davide Flude who said meeting and dealing with the matter was a 'regulatory requirement' of his license to be a mortgage broker in Ontario. He also noted that a complaint cannot be ignored or 'kicked to the curb', but must be addressed, especially when fraud or any other crime, such as loan sharking, is alleged
"You have not been kicked to the curb. We have to address this and report to our regulator so no chance of it being ignored . . . My goal is to hear your concerns, ensure we followed our requirements and provided what you needed. We'll find out where the "issues" were and have a discussion with you. This is a very rare occurrence for us so we have to consider many issues while preparing. You've made a number of points below - I'll provide insight on those as well. Feel free to provide thoughts as you need to & I'll be in touch . As a reminder, this is a regulatory requirement so it won't be pushed aside. Thank you, David."
Regardless of his many promises and assurances, David Flude did fully ignore the complaint, and he did refuse to schedule a meeting, and he did neglect to ever file a report of usury, or loan sharking, with the FSRA.
Most would agree that it is even less honourable to evade such legal obligations by threatening a legally despised Strategic Litigation Against Public Participation (SLAPP) lawsuit with a specific focus put on attacking a group of twenty-something-year-old interns and apprentices who spend much of their time helping those in need in their 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.".
The most pathetic part, however, is that even after dropping to that lowly level of cowardly coercion, David Flude, or the anonymous agent representing him, failed to ever muster the courage needed to file the claim in court for as many days as seen in the lower counter at the top of this page. Why is it that the philanthropic 'agitator', as labelled by David Flude to a client, who runs a small not-for-profit community media service, is not only not afraid to go to court but quite eager to use the venue of appropriate jurisdiction to prove their claims, yet the purported 'victim', representing a multi-million-dollar corporation and supported by allies from a multi-billion-dollar corporation, hid for more than 18 months, threatened children from anonymity, and yet lacks to courage to prove their allegations of libel based on evidence to a Justice of the Superior Court?
It does not matter if you draw on the analogy of the Biblical tale of Jericho, or the more contemporary allegory of the Tamarian Story of Shaka, the walls are definitely starting to fall.
Letter to Lenders - Public Image - Verico the Mortgage Station
On March 15, we sent an email to all of the brokers listed as providers of funding for the brokers at Verico the Mortgage Station. This action is fully ethical and legal, especially as the brokers at Verico the Mortgage Station continue to illegally withhold money that they stole from our producer through usury, or loan sharking, and they have chosen to hide for more than a year and a half, and to not reply to his emails even though, by their own admission, they are legally and ethically required to do by the regulations of the Financial Services Regulatory Authority of Ontario (FSRA). Many of the lenders read the email immediately, and several forwarded the content to as many as twenty others within their company. We are only guessing, but this response would suggest that the lenders are growing tired of the excuses and misinformation being relayed by the brokers at Verico the Mortgage Station and supported 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.
The immediate response was more than 100 hits on our documentary website, and almost as many on our Five Points Media domain.
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."
Our producer, John, assisting our community - Original post.
A PDF file of the email can be found here.
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.
W. Mark Squire, Pres. and COO, Verico Financial Group Inc. and Yvonne Ziomecki-Fisher, Exec. Vice Pres. Marketing and Sales of HomeEquity Bank are being held publicly accountable.
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A couple of months ago, about the time we created this Latest News blog page to further improve our Search Engine Optimisation, we started focusing as much on 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, both of whom could have and should have investigated the fully-supported allegations of fraud by usury as committed by the Verico the Mortgage Station, but who chose instead to ignore their ethical and legal obligations, to disregard the fully supported complaint, and to try to cover for the criminal activity.
Now, after two months of including their names within virtually every story, we are happy to say that they are both showing up prominently as linked to this story on Google and the other search engines.
As has occurred consistently throughout the time since we first started reporting on this story, which is shown in the left side counter, once the search engines find new data the referencing and cross-linking process is rapid. That means that in a matter of weeks, anybody and everybody looking for information on W. Mark Squire or Yvonne Ziomecki-Fisher will find this story, and the evidence of ethical and financial wrongdoing that they are trying to simply ignore until it just goes away.
No ethical financial professional would use such tactics of wallowing, but would instead reassure their clients by dealing with the allegations, especially when they are confirmed by their own documentation.
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.
"Those who can put pressure at the important levels of justice - consider what you know about procedures & how this can be changed. Wrong is wrong. Don't protect the "bad guys". Broken systems cannot be allowed to remain in place." - David Flude
The reason we are sharing this is because David Mousey Flude, the Principal Broker at Verico the Mortgage Station shared the post, and good for him. The interesting part is that he also commented: 'It's only the news until it happens to someone in your family. Then it becomes a nightmare. If you can share further, please do. Those who can put pressure at the important levels of justice - consider what you know about procedures & how this can be changed. Wrong is wrong. Don't protect the "bad guys". Broken systems cannot be allowed to remain in place.'
We could not agree more.
Of course, the hypocrisy is that David Flude is all for justice and exposing wrongs, just as long as it is not he and his brokers who are being scrutinized for criminal activities by investigative journalists. When confronted with the evidence of usury, or loan sharking, David Flude just ignored the 'regulatory requirements' that required that he meet with a defrauded client, and then he lied six times in two emails (1) (2) so he could evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA). The 'ethically bound' Principal Broker at Verico the Mortgage Station also told some whoppers 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 calling out the repetitive liar and supporting the truth of our reports and videos.
"Mr. Flude. You truly must think people are stupid, and your explanation is insulting. After receiving your response, I read everything Ironside posted about you, and I watched all of his company's videos. His work is clean, well-produced, and professional, unlike your accusations that appear vacuous, unsupported, and offensive to the intelligence of other people. If he was what you claim he would not be putting his name on his work, and you would have sued him a long time ago as he openly taunts you to do more times than I could count. I even went back to watch some of his other videos. The man has credentials from work all over the world and he was selected for an award for altruism in Barrie. Nonetheless, you paint him as simply an agitator. You insult me sir as you do anybody to whom you tell that lie. You also fail to mention that those people he - agitated - all lost to his evidence and several were convicted or fined as criminals. That means he was right, and it is why you will not fight him in court. Have you watched any of the videos he has produced for the hundreds of charities that are not about your company? I doubt it, but I did. Not all 300 plus of them, but enough. He has worked with everybody from multiple mayors to the chiefs of police. That is one well-connected agitator. I once worked in the courts many years ago and clearly, your agitator is somebody who stands up as we all wish we could. I read through your cover story like you are stamped on tracing paper. As you can see, I have copied this email in full to your agitator and I am granting Mr. Ironside my consent to use it as he wishes. I think he is doing a damned good job exposing you and your agents and I would even be happy to chat with him on camera. I am ever so glad I found his reporting about your business. I will also be asking if he can recommend an honest broker. Do not insult me again by trying to whitewash your actions. I will advise my friend of what I have learned and I doubt they will be coming to you for any renewals. I admit I have been angered by your deceptive response as I do not like being lied to. I do not want to hear back from you again." The full email is here.
If that is not enough, David Flude and his brokers hid for 18 months, refusing to be interviewed or even to meet for a without prejudice meeting that could have led to the cancellation of this documentary. Finally, David Flude 'threatened' us with an abusive and legally scorned Strategic Litigation Against Public Participation (SLAPP) lawsuit that he mumbled about through an anonymous, do-it-yourself, unsigned, and legally unsupported 'Notice of Libel', that we rebuked in a response on which our producer went out of his way to identify himself and to sign his reply. Despite the huff, puff, and bluff, that 'threatened' claim of abusive civil action has never been filed in any court. As can be seen in the counter above, as of today's date, we are now 67 days past the deadline demanded for the removal of our stories, videos, and evidence. David Flude even reneged on his 'threat' to file a claim against our twenty-something year old interns and apprentices, who he specifically targeted in his nonsensical 'Notice of Libel'.
'Wrong is wrong. Don't protect the "bad guys". Broken systems cannot be allowed to remain in place'.
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.
Why hire professional researchers when they have been offered the option to debunk our claims with evidence through an interview or at a without prejudiced meeting?
Sneaking around and hiring covert agents rather than dealing with their accuser is hardly helping to generate an image of honesty for a business that is required to be licensed to ensure its ethics.
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.
Given the track record of how the 'ethical' brokers and bankers have handled this matter so far, is there any wonder why the grunts on the ground are looking for their own answers?
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.
By shuffling the deck, we will optimise our search engine status with each update.
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.
This post, by somebody hiding behind a fake Facebook account, was the third weird event of the weekend.
'The Weeknd' is not only a lousy speller, all of his minutes-old pictures were uploaded at the exact same time.
Coincidentally, the IP addresses identified as belonging to Yvonne Ziomecki-Fisher and David Flude visited our website at 09:10 and 09:31 respectively.
Then today, again without any explainable reason, and only two and three days after the other unprecedented events, a man who does not exist outside of social media came to our Facebook profile and posted that he 'does not recommend Five Points Media' despite the fact that we have no idea who he is, and we have definitely never worked with him. Also, despite claiming to be a musician, this man who cannot spell 'The Weekend' has zero likes and as many followers, or at least that was the case when he so feverishly posted whatever the heck that post was on our Facebook page. Finally, all of the pictures on his freshly minted Facebook page had been posted at the same time, just a few minutes before he posted his apparent disproval of our benevolent community media service.
His post also talks about services for those who are 'victim of any kind of fraudulent activity'.
So, we received a weird Facebook post message asking us to be hypocrites for money by acting like the slumlord we exposed through our most potent piece of recent investigative journalism. Then, two days later we answer a weirder phone call from somebody trying to lure us into an unethical production about murder and torture. Then, we were notified about an unsupported Facebook post by a man we do not know who runs a freshly created social media account who is posting a message about fraud while for some unknown reason disapproving of our benevolent social enterprise community channel that donates all services to charities, not-for-profits, and benevolent community groups.
Is it just us, or is this all a bit odd?
The only people who have cause to not like us are 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, who we are exposing for the crime of usury or loan sharking, or in the case of the allies, trying to cover it up. Despite the threats of an anonymous messenger, who claimed to be prepared to file an abusive Strategic Litigation Against Public Participation (SLAPP) lawsuit against us if we did not take down our reporting and evidence, we hardly treated the lame, do-it-yourself 'Claim of Libel' to be any kind of a threat, and the anonymous messenger has never shown the cojones needed to file the claim with any court.
And that brings us to our third odd coincidence.
Our producer happened to be on Facebook when the mysterious 'The Weeknd' posted his somewhat dubious review. The post was created at 09:58, about three minutes after 'The Weeknd' page was created. As can be seen by our online visitor log, the IP address identified as belonging to Yvonne Ziomecki-Fisher, Executive Vice President Marketing and Sales of HomeEquity Bank visited our website at 09:10, and David Flude, the Principal Broker at Verico the Mortgage Station dropped by at around 09:31. So, is it purely coincidence that they both just happened to come to the website as little as half an hour before this phantom profile was created by persons unknown and the unsupportive 'review' was posted? It is fair to say that the IP address assigned to Yvonne Ziomecki-Fisher is a frequent flyer on our stories, visiting multiple times during the day and throughout the night. However, David Flude has not been seen visiting our pages since Friday morning. So, what are the odds that he would come to our page such a short time before the post was made by yet another anonymous source, and on the spring-forward Sunday just to visit when there had been no updates for several days?
Once is happenstance, twice is coincidence, and three times is enemy action - Ian Fleming
We don't know what game is afoot, but we do know that IP addresses connected with several universities have recently accessed much of our content. What were they looking for? Was the dean of the school of journalism hired to assess the validity of our reporting, or was the psychology professor paid to create a personality profile of our producer who was defrauded through usury, or loan sharking by the brokers at Verico the Mortgage Station? Maybe an experienced litigator working in the school of law was commissioned to find a path of escape from the criminal and ethically corrupt actions of the provincially licensed representatives of the multi-million and multi-billion-dollar corporations who are bound by the regulatory requirements of the Financial Services Regulatory Authority of Ontario (FSRA) and who are transparently terrified by the thought of challenging our allegations and evidence in a court of law. They are also obviously horror-stricken by our offer for them to tell their side of the story on camera, and even our repeated suggestion that we meet on a without prejudiced basis to discuss the validity of our claims and review their evidence, if they have any. During the past eleven years of reporting, we have never, to the best of our knowledge, had our work so clearly reviewed by academia, and during the past few months those visits have come from three different campuses.
Why do we suddenly hold so much interest for those in tenure at some of Canada's most revered universities?
We have quite effectively shown how David Flude, as principle broker at Verico the Mortgage Station, lied six times in two emails (1) (2) to evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA). The Principal Broker at Verico the Mortgage Station also told some whoppers 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 calling out the repetitive liar and supporting the truth of our reports and videos. You can see the entire email here. We have also established through the use of evidence how each of the brokers has admitted in writing that they stole money by usury, or loan sharking (Renee Dadswell), (Lisa Purchase), (David Flude). We can only guess as to the reason for the strange events of the past few days, but it seems likely that the brokers at Verico the Mortgage Station and their allies are now trying and failing to concoct scenarios through which they can claim we are not who we claim to be. Lying has failed as clearly the truth of our commitment to our community and those in the greatest of need is as easy to prove as reviewing our Facebook page, which prospective clients for Verico the Mortgage Station are now doing daily.
The lies told during the past few months may have worked with some of the clients, but now the lenders are visiting our articles on a regular basis, and financial professionals are expected to be honest and trustworthy.
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.
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.
We are not surprised by Yvonne Ziomecki-Fisher's dramatically boosted level of interest, or her inability to sleep, but she can take solace in knowing that she is certainly not visiting alone. We know we are being actively followed by representatives of at least half of the lenders and banks we reached out to on December 11, 2023, and January 12, 2024. We were able to identify them from the location of their primary office, and from the emails we received when several of them reached out to us requesting unredacted copies of the bank statement and mortgage funds disbursement record that fully support our allegations of loan sharking.
You can be assured that if Yvonne Ziomecki-Fisher is this concerned about the downward spiral of the professional image of the HomeEquity Bank, so are the other banks and lenders.
On their website, Verico Financial Group Inc. states: "VERICO has 2,300 expert mortgage advisors from coast to coast who help over 45,000 Canadians buy and finance their homes each year." However, in an article dated October 26. 2023, the Financial Post reports "3.4 million Canadians will renew their mortgages by 2025 — and they're worried". That translates to 14 months, meaning 242,900 mortgages per month. When put into perspective, Verico Financial Group Inc. is not the big fish some might perceive or project it to be, and cutting ties with publicly exposed loan sharks who will not defend their actions will ultimately be seen to be the best brand-protection option for several, if not all, of the associated banks and lenders.
Alliances, be they political or business, will last only as long as both sides receive benefit, and will crumble and fall when one side feels they are being harmed or abused by the actions or inaction of the other.
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.
The offer of renting the rooms was intended to help those in need of shelter.
The request for parking a trailer in our parking lot was strangely familiar.
The visitors came seconds apart, and from cities and towns where we know the brokers live. Click here for the full sized image..
The coincidences outweigh any likelihood that this was truly a random request from a stranger based on a seven-month-old post about renting rooms.
You can almost hear Admiral Ackbar yelling his famous line.
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You can almost hear Admiral Ackbar yelling his famous line.
Our producer politely declined the offer, stating: "Hello Francis. I am not sure if what you propose is legal. Regardless, I lost a friend two years ago to winter temperatures when he was living in a trailer and although I might allow it for a friend in spring or summer, there is no way I could be so hypocritical as to offer that to anybody in the winter. I am a video producer, and here is the video explaining that story. https://www.fivepointsmedia.ca/justice-for-bear-petition-promo-2022.html"
Normally that would have been the end of it but given how close the idea was to the death of our friend, our producer checked the visitor logs and realised somebody appeared to have just tried and failed to make us look like hypocrites. Within seconds of each other, two people, one in Barrie and one in Alliston, had gone directly to the links provided in our producer's reply, which is very strange when considering it is a seven-month-old post that seems unlikely to be drawing a lot of attention, and especially from more than one location within a few seconds of each other. The full-size image from our visitor tracking tools can be seen here. Also, both visitors were using new iPhones, which is not uncommon, but is consistent with the phones used exclusively by all brokers working under the flag of Verico Financial Group Inc.
We are by no means paranoid, but that was a whole lot of weirdness compressed into a few seconds involving multiple locations.
The brokers at Verico the Mortgage Station and/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 have evidently been hiring a variety of services to gather information about this website, and the one for our benevolent not-for-profit social enterprise, Five Points Media, and even our commercial company that plays no part in this documentary. Those visitors have come to our pages from Internet access points all over the world, usually via proxy servers, and extensively from the United States. The idea of this group of financially motivated liars and ethically challenged criminals and aiders and abetters trying to manufacture some weird scenario that they think they can use to make us look bad just fits their style of slinking, skulking, and hiding. Fortunately, these few words by our producer demonstrate the true nature of who we are . . .
". . . there is no way I could be so hypocritical as to offer that to anybody in the winter."
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, we were visited once again by a mysterious hidden online phantom.
That is what inspired the investigative journalism behind this story, which then led to the acquisition of a budget, and the expansion of the scope of this project to include other examples of mortgage fraud that will be aired in a finished documentary to be broadcast on television and made available through streaming services. It is the decision by the brokers at Verico the Mortgage Station, to hide for 18 months and to then 'threaten' our team through a lame, do-it-yourself legally unsupportable 'Notice of Libel' through which the anonymous writer specifically targeted action against our young apprentices who dedicate so much time to helping their community. Apparently, our producer who has a near 100% success rate defending against abusive litigation like the proposed Strategic Litigation Against Public Participation (SLAPP) lawsuit was too scary for David Flude or his minions to take on, as pursuant to the timer below, despite providing a specific date and time by which they demanded we stop reporting on this story, they have never filed a claim in any court, nor even retained a lawyer to threaten us properly.
People understand that only the guilty hide, and that we are very open about who we are.
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As can be seen in the article below, dated March 05, 2024, we are the antithesis 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 are happy to include our names and details, and we are proud of our history of donated services to our community. We know we have done no wrong and we have no reason to hide. The simple truth is that we are exposing those who have defrauded their senior clientele through usury or loan sharking, who are hiding as they also deprived the local charitable community of a very vital service of education, fundraising, and self-promotion.
Instead of being professional and accepting responsibility for their crimes, David Flude lied six times in two emails (1) (2) to evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA). The Principal Broker at Verico the Mortgage Station also told some whoppers 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 calling out the repetitive liar and supporting the truth of our reports and videos. You can read the entire email here. By following this path, David Flude and his brokers and allies have chosen to fully expose their crimes to both clients and colleagues in a way that is reminiscent of the scene in 'Austin Powers 2' when Doctor Evil and Mini Me are trying to escape from prison and are caught in the spotlight which inspires them to perform like they are on stage. It is funny in the movies, but rather pathetic in the real world when a business and its allied companies face serious losses in sales and profit all because one man lacked the testicular fortitude to deal with a problem when it could have been easily resolved.
The brokers and their allies can wallow in denial and hide in the dark for as long as they like, but we are not going anywhere, and neither is this story.
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.
This morning, our crew gifted services to yet another local benevolent organization.
We know from reviewing our visitor logs 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 are losing sleep (Latest News - March 03, 2024), repeatedly visiting our reports multiple times a day and night (Latest News - February 29, 2024 and February 26, 2024), and that they now seem to understand at least partially the scope of our current reach. Multiple media sources are now following this story, as are several of the lenders to whom we have sent links, and also agents of the Ontario government, who we assume are from the Financial Services Regulatory Authority of Ontario (FSRA).
Honest people do not hide, and they do not idly sit back and let others call them criminals, unless of course, the claim is accurate, and the evidence supporting the allegations is irrefutable.
In addition to lying six times in two emails (1) (2) in order to evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA), David Flude, the Principal Broker at Verico the Mortgage Station, also told some whoppers to a potential new female 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. Her final rant is included below, or you can see the entire email here.
"Mr. Flude. You truly must think people are stupid, and your explanation is insulting. After receiving your response, I read everything Ironside posted about you, and I watched all of his company's videos. His work is clean, well-produced, and professional, unlike your accusations that appear vacuous, unsupported, and offensive to the intelligence of other people. If he was what you claim he would not be putting his name on his work, and you would have sued him a long time ago as he openly taunts you to do more times than I could count. I even went back to watch some of his other videos. The man has credentials from work all over the world and he was selected for an award for altruism in Barrie. Nonetheless, you paint him as simply an agitator. You insult me sir as you do anybody to whom you tell that lie. You also fail to mention that those people he - agitated - all lost to his evidence and several were convicted or fined as criminals. That means he was right, and it is why you will not fight him in court. Have you watched any of the videos he has produced for the hundreds of charities that are not about your company? I doubt it, but I did. Not all 300 plus of them, but enough. He has worked with everybody from multiple mayors to the chiefs of police. That is one well-connected agitator. I once worked in the courts many years ago and clearly, your agitator is somebody who stands up as we all wish we could. I read through your cover story like you are stamped on tracing paper. As you can see, I have copied this email in full to your agitator and I am granting Mr. Ironside my consent to use it as he wishes. I think he is doing a damned good job exposing you and your agents and I would even be happy to chat with him on camera. I am ever so glad I found his reporting about your business. I will also be asking if he can recommend an honest broker. Do not insult me again by trying to whitewash your actions. I will advise my friend of what I have learned and I doubt they will be coming to you for any renewals. I admit I have been angered by your deceptive response as I do not like being lied to. I do not want to hear back from you again." The full email.
It is also an irrefutable fact that each of the Brokers at Verico the Mortgage Station has admitted in writing that they stole money by usury (Renee Dadswell), (Lisa Purchase), (David Flude), which is likely why an anonymous agent was willing to threaten our producer through a lame, unsigned, pathetic 'threat' of civil litigation for 'Defamation and Libel' in which the coward paid special attention to threatening the young apprentices who dedicate so much time to supporting their community, but then failed to muster the courage to file the claim in any court.
Honest and ethical multi-million and multi-billion-dollar corporations would not be cowering in the darkness, and they would not have any reason to fear or hide from a small, not-for-profit, community service.
W. Mark Squire
President and Chief Operating Officer
Verico Financial Group Inc.
and
Yvonne Ziomecki-Fisher
Executive Vice President Marketing and Sales
HomeEquity Bank
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.
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The brokers at Verico the Mortgage Station won't risk defending their own actions, so why are you so obviously covering for these criminally guilty abusers of trust and professional ethics?
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.
"Only the innocent know the peace of untroubled sleep. Confess sins, and you will sleep like a newborn babe."Click here for the full sized image
We know the truth, and our rights regarding telling it, which is why threats have never worked and never will.
It also seems like the brokers at Verico the Mortgage Station and their allies are having a little trouble finding a lawyer (Latest News - March 01, 2024) who will represent them in what is clearly intended to be an unscrupulous Strategic Litigation Against Public Participation (SLAPP) lawsuit, as truly ethical professionals don't sink that low, especially against somebody who has proven he can defend himself quite adequately in a court of law. We have offered to take the story down, on the condition that the brokers at Verico the Mortgage Station and their allies can show us we are inaccurate in our reporting. Regardless, they have chosen to hide instead of proving us wrong.
That little reality circles us back to the reason for the dark circles under their eyes.
Apparently, the brokers at Verico the Mortgage Station and their allies lack the courage to be interviewed on camera, or even to meet on a without prejudice basis. Despite their huff, puff, and bluff, they also refuse to challenge our allegations and evidence in a court of law. It is also now very much common knowledge within Simcoe County, due to online promotion by an anonymous search engine optimization expert and social media influencers that not only did these 'ethical professionals' defraud a senior and veteran by usury, or loan sharking, they also robbed the community of a vital service to those most vulnerable and in need.
We bet a few months ago that it seemed logical to side with the brokers at Verico the Mortgage Station, but now that decision is less easily supported, resulting in multple brokers and allies suffering from insomnia.
As has been offered multiple times, if any of those involved would like to cut back on the need for melatonin, we invite them to meet on a without prejudice basis to discuss our allegations and evidence. We have simply given up on the idea that any of these purported 'ethical professionals' will ever show the strength to stand up to defend their actions through an on-camera interview, and all of our followers know exactly why.
They know we want to validate our allegations through court action and that we can wait them out for as long as they want to drag their names through the mud for what they have done.
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?
Apparently, the Barrie Historical Archive and various mayors, chiefs of police, and politicians are all in on a big scam to lie about the brokers at Verico the Mortgage Station.
Click here for the original article.
Every day this story gets to be more like the sad saga of lies that is Trump.
These claims of misinformation are perfectly in line with what we can show that David Flude said to Elizabeth, a prospective client seeking an $800,000.00 mortgage from the Principal Broker at Verico the Mortgage Station, who changed her mind in a rather heated manner after learning the truth through our reporting, and that she felt she had been deliberatly decieved. The final reply by the referred client reads as follows:
"Mr. Flude. You truly must think people are stupid, and your explanation is insulting. After receiving your response, I read everything Ironside posted about you, and I watched all of his company's videos. His work is clean, well-produced, and professional, unlike your accusations that appear vacuous, unsupported, and offensive to the intelligence of other people. If he was what you claim he would not be putting his name on his work, and you would have sued him a long time ago as he openly taunts you to do more times than I could count. I even went back to watch some of his other videos. The man has credentials from work all over the world and he was selected for an award for altruism in Barrie. Nonetheless, you paint him as simply an agitator. You insult me sir as you do anybody to whom you tell that lie. You also fail to mention that those people he - agitated - all lost to his evidence and several were convicted or fined as criminals. That means he was right, and it is why you will not fight him in court. Have you watched any of the videos he has produced for the hundreds of charities that are not about your company? I doubt it, but I did. Not all 300 plus of them, but enough. He has worked with everybody from multiple mayors to the chiefs of police. That is one well-connected agitator. I once worked in the courts many years ago and clearly, your agitator is somebody who stands up as we all wish we could. I read through your cover story like you are stamped on tracing paper. As you can see, I have copied this email in full to your agitator and I am granting Mr. Ironside my consent to use it as he wishes. I think he is doing a damned good job exposing you and your agents and I would even be happy to chat with him on camera. I am ever so glad I found his reporting about your business. I will also be asking if he can recommend an honest broker. Do not insult me again by trying to whitewash your actions. I will advise my friend of what I have learned and I doubt they will be coming to you for any renewals. I admit I have been angered by your deceptive response as I do not like being lied to. I do not want to hear back from you again." The full email can be found here."
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.
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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.
Most people who cannot convince a lawyer to represent them in their own proposed civil litigation would consider their personal culpability, but not these guys.
Regardless of where they were from, or if their law firm was big or small, every single lawyer who visited that story immediately left the website, and not one of them has ever returned.
Lawyers are not known for declining retainers, especially when they know the client is a multi-million or multi-billion-dollar free-flowing cash cow and the intended target will likely be self-represented as they are not wealthy due to giving back so much to their community that they 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. In most circumstances, those cases are almost guaranteed wins for the lawyer, and they almost always accept them, even when they know the case is unethical, not legally supported, or bullying in nature. However, their tune changes upon learning that the intended target of the abusive litigation, a non-lawyer, has a near 100% success rate arguing litigation in a variety of courts, where he is known for supporting his arguments with solid evidence. That little tidbit is often enough to scare the bullies away so they can focus their efforts on abusing the court to take somebody else's lunch money.
Lawyers don't like to be defeated in court by unqualified laymen, and they certainly don't like reading about their defeat on the Internet, where they become the subject of mockery by their associates and colleagues.
So, we leave it to you, our reader, to decide for yourself why 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 chosen not to file the threatened civil action, nor seek the injunctive relief to stop our reporting on this story that they seemed to believe was a slam dunk in their anonymous threats of civil action.
The only answer we can think of is they know they are guilty, and they are simply hiding from the reality while convincing themselves that by telling bigger and more complicated lies, they can avoid accountability forever.
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.
We have no idea what they were looking for at that hour of the night because our producer and crew were all at home fast asleep without a worry in the world.
We do not currently know what could be causing these professionals so much stress. After all, they are 'large and in charge', multi-million and multi-billion-dollar corporations, and we are just a small, not-for-profit social enterprise community channel and if we were doing anything other than telling the truth, which we can fully support, 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 have flicked us away through court action which they would have filed as they threatened to do through a lame do-it-yourself, anonymous 'Notice of Libel' that was sent to us as long ago as the time shown below.
Could it be that the ongoing deception, like the six lies told by David Flude in two emails (1) (2) to evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA), is starting to wear a bit thin, and that those who the brokers at Verico the Mortgage Station appear to feel they must deceive, like other Verico brokers, the lenders, the public, and the media are seeing the truth? Is it the sudden drop in business caused by families in the GTA who are learning the truth when searching for local brokers and being waved off due to the exposure of the tactics of criminal fraud by usury, or loan sharking, and manipulation? There is little wonder that everybody is asking us why these 'ethical professionals' won't take action to silence this story that David Flude has claimed to his clients is the work of an 'agitator', while begging them to 'understand' without offering any evidence, that based solely on his word there is no substance to the allegations that we have fully supported with evidence.
It really is not hard to understand why the allies of the brokers at Verico the Mortgage Station are having so much trouble sleeping.
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.
And apparently, another one bites the dust.
That Toronto lawyer started with lame attempts at bullying, and by telling us we could not tell anybody about what she was threatening to do. That was the first sign she was up to no good, so we scanned the content of her letter and posted it on the Internet. We also linked to it in our reply, which was also made public. The purpose of the sabre rattling was to prevent us from exposing how a slumlord contributed to the early death of a disabled man by providing grossly inadequate housing for which he charged ridiculous rent to the Ontario Disability Support Program. Our response, which makes up the bulk of that article, was sufficient to slap this full partner in a well-established Toronto law firm so hard she never wrote back and abandoned the threatened action.
Most people try to avoid dealing with lawyers, and they are often terrified of being sued, but our producer is a lifelong activist who would rather fight oppression than yield to threats and bogus attempts at intimidation.
It is not very surprising that given our producer's experience in court, and his history of winning every case based solely on the evidence, smart lawyers are declining this case one after another to avoid the negative exposure it would bring. No lawyer wants to be defeated by a nobody, at least when referring to legal circles. In one abusive case that our producer defended against, a rapidly ascending lawyer was suddenly terminated from the prominent Bay Street law firm McCague Borlack LLP due to his inability to bully or argue against the evidence of his client's intended target of abusive litigation. Then the file bounced through eight more lawyers from three different Bay Street law firms before the claim was ultimately abandoned and costs were ordered to our producer. This is why the brokers at Verico the Mortgage Station huffed and puffed and bluffed about filing a lawsuit against our producer for telling the truth of this story, but they have never filed a claim in any court.
Everybody knows that in this world there are talkers and doers, and it doesn't take much time for people to understand who is playing which role in this developing story and to side with whom they respect.
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.
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!'
It is safe to say that our expose will drum up some real interest at the Financial Services Regulatory Authority of Ontario (FSRA) which will be obligated, in the interest of their public image, to take real action.
When they committed the indictable offence of usury, or loan sharking, the brokers at Verico the Mortgage Station, held all the cards. They had the full support of their allies at Verico Financial Group Inc. and HomeEquity Bank, and also a network of brokers who could provide advice and bolster their credibility . . . for as long as their story held. Both now appear to be faltering, if not totally rotting away. They also had the influence, with which they could 'motivate' support from the South Simcoe Police Service to do favours like omit evidence of their crimes, and they apparently had friends in the Simcoe County Council who turned a blind eye to their abuse of trust of potentially vulnerable seniors and veterans. They had the local connections and the influence, so they likely saw no risk of anybody listening to a small, not-for-profit media service over their word.
With the passage of time, the exposure of their crimes and ethical violations have turned the tables, and now the brokers of Verico the Mortgage Station and their allies, who will not refute our claims or in any way defend their actions, face growing scrutiny and shrinking profits.
The frantic 180+ page panic visit (Latest News - February 26, 2024), by first W. Mark Squire and then David Flude, is a pretty good indication of how they now feel. Also, all of their primary lenders now know about the crimes and ethical violations, and that the brokers at Verico the Mortgage Station, and their allies at Verico Financial Group Inc. and HomeEquity Bank have done absolutely nothing to remedy or resolve the situation. It is also well and truly documented that in addition to lying six times in two emails (1) (2) to evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA), David Flude, the Principal Broker at Verico the Mortgage Station also told some whoppers 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 calling out the repetitive liar and supporting the truth of our reports and videos. Our claims of loan sharking are also fully supported as each of the brokers at Verico the Mortgage Station has admitted in writing that they stole money by usury (Renee Dadswell), (Lisa Purchase), (David Flude). Finally, they all now face the prospect of being interrogated on the stand while under oath in a court of law when the creative investigation by Detective Muto of the South Simcoe Police Service is reviewed by the Divisional Court (Latest News - February 16, 2024) based on the evidence and not the omission of it.
Every day, more potential clients and professional colleagues of the brokers of Verico the Mortgage Station and their allies, find the truth of this story, with 98% of them showing support for our expose documentary.
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:
- 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.
- David Flude's multiple blatant violations of the regulatory requirements of the Financial Services Regulatory Authority of Ontario (FSRA).
- 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).
- 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.
- 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.
- 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.
Some people, mostly middle-aged and older men, cannot deal with loss as they see it as being an attack on their virility. Then, there are other issues that could be at play, such as chronic denial or narcissism. Look no further than Donald Trump to see how powerful they can control the actions of a previously believed to be healthy person. Regardless of the cause, many of these people suffer also from anosognosia, a neurological condition in which the stricken individual is unaware of their neurological deficit or psychiatric condition.
Regardless of their delusional state, eventually, reality is reinstated, and that is when all hell breaks loose.
This most recent feeding frenzy is not the first time that David Flude or one of the other 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 have frantically flashed their way through the content of our website, but it was likely the most sustained. Every page was visitsd, often twice, and the content was flashed through as if David Flude and W. Mark Squire were frantically looking for something new on any of the many pages they have both already viewed multiple times.
What could they be looking for, a confession of wrongdoing? The onus for that is clearly on them.
As is the case with any scam, fraud, or deception that is driven by lies, the ongoing con-game played by the brokers at Verico the Mortgage Station is unravelling, and although they want nothing more than for our telling of the truth to simply disappear, the colleagues and allies who have supported the lies through their silence are now obviously starting to realise this cannot go on forever. Our general readership is growing, as is our following within the mortgage industry, and as we posted on this page on February 23, 2024, we have been required to increase our bandwidth package to accommodate both. We would not need to do that if not for the increase in traffic, most of which is coming from Toronto and feeder communities where families who want to buy a first home in Simcoe County are finding the truth and evidence of our allegations and are going elsewhere so they are not similarly defrauded.
All we have ever asked for is an on-camera interview through which the brokers and their allies can explain their side of the story, and their inability to counter our claims is speaking volumes to thousands.
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.
This pattern of random access for extremely short periods is indicative of panic.
That philanthropy was sufficient that in 2020, at the height of the pandemic, our producers and crew were nominated and voted to the highest levels regarding an award for altruism that was awarded by the City of Barrie and the Barrie Chamber of Commerce.
So, why would they be panicking?
Evidently, this was supposed to be routine fraud by usury. The brokers stalled, delayed, and pushed off the closing date until such time that their client was desperate, and then they hit him with a loan charged at a rate of 198.25% interest. No fuss, no muss. Apparently, nobody had ever before fought this tactic of fraud and abuse of trust, and what could he do if he did? The South Simcoe Police Service clearly knew the game plan as they stalled their investigation and then omitted the most incriminating evidence before claiming that their own actions caused there to be insufficient evidence to proceed with arrest and prosecution.
Little did they expect to find themselves being challenged by an internationally experienced journalist who has a 100% success rate in multiple courts defending against attempts to suppress his right to report the truth.
It seems pretty obvious, that as far as they were concerned, the brokers at Verico the Mortgage Station had nothing to worry about. Their head office at Verico Financial Group Inc. apparently had their back, as did the HomeEquity Bank, and how much damage could one old guy with a camera do? Then, without warning, potential customers started learning the truth, and then other brokers who fly the flag of Verico. Then it was the lenders, and likely the shareholders, most of whom will have more grey hair than not. Then the word spread, through social media and by search engine optimization and promotion, until finally mainstream media started showing an interest, but we have kept much of that to ourselves. Now they face exposure through the Divisional Court where a Justice will assess the actions of the detectives of the South Simcoe Police Service based on the evidence and not the omission of it. Suddenly, the guaranteed plan to cheat a senior and veteran and ignore any complaints was growing and scaring off customers, and the brokers who had it all under control were suddenly scrambling to save what was left of their reputation as every business associated with them started to see the truth and became eager to cut ties and distance themselves from the pariahs. Now it appears they are learning that seniors, especially those who helped to build our modern world of media and communications, have many rows of very real teeth, resulting in a much bigger bite than 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 ever thought possible.
It is only an educated guess, but it seems like somebody of importance to Verico the Mortgage Station, or to all of Verico Financial Group Inc., is threatening to cut some lucrative stings, which would explain the panic.
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.
Also, David Flude, as the Principal Broker at Verico the Mortgage Station has been exposed for lying six times in two emails (1) (2) so he could evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA), and David Flude told some whoppers 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 calling out the compulsive liar and supporting the truth of our reports and videos. Her final rant is included below, or you can see the entire email here.
"Mr. Flude. You truly must think people are stupid, and your explanation is insulting. After receiving your response, I read everything Ironside posted about you, and I watched all of his company's videos. His work is clean, well-produced, and professional, unlike your accusations that appear vacuous, unsupported, and offensive to the intelligence of other people. If he was what you claim he would not be putting his name on his work, and you would have sued him a long time ago as he openly taunts you to do more times than I could count. I even went back to watch some of his other videos. The man has credentials from work all over the world and he was selected for an award for altruism in Barrie. Nonetheless, you paint him as simply an agitator. You insult me sir as you do anybody to whom you tell that lie. You also fail to mention that those people he - agitated - all lost to his evidence and several were convicted or fined as criminals. That means he was right, and it is why you will not fight him in court. Have you watched any of the videos he has produced for the hundreds of charities that are not about your company? I doubt it, but I did. Not all 300 plus of them, but enough. He has worked with everybody from multiple mayors to the chiefs of police. That is one well-connected agitator. I once worked in the courts many years ago and clearly, your agitator is somebody who stands up as we all wish we could. I read through your cover story like you are stamped on tracing paper. As you can see, I have copied this email in full to your agitator and I am granting Mr. Ironside my consent to use it as he wishes. I think he is doing a damned good job exposing you and your agents and I would even be happy to chat with him on camera. I am ever so glad I found his reporting about your business. I will also be asking if he can recommend an honest broker. Do not insult me again by trying to whitewash your actions. I will advise my friend of what I have learned and I doubt they will be coming to you for any renewals. I admit I have been angered by your deceptive response as I do not like being lied to. I do not want to hear back from you again."
We fully support your right to believe whoever and whatever you wish, but we ask that you do it from a position of logic and evidence, rather than vacuous and self-serving rhetoric provided by an apparent pathological liar.
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.
All the brokers at Verico the Mortgage Station have done is open a can of whoopass that is not only destroying their business but also hurting everybody who is still associated with them.
This is the story of a victim fighting back, which is something the brokers and their allies never expected.
It is as a direct and likely lasting result of the criminal and unethical actions of the brokers at Verico the Mortgage Station, that they have now 'earned' $250.00 through grift, that as a result of ongoing public exposure has cost them losses valued in the hundreds of thousands or even millions of dollars in sales. It is also been by their decision that those losses continue and grow day, after week, after month, after year, as this story is not going anywhere. All we are doing is reporting the facts to warn other potential victims of fraud. The brokers at Verico the Mortgage Station and their allies at Verico Financial Group Inc. and HomeEquity Bank have more than enough resources and the ability to fight but have chosen instead to hide and to not even contest our allegations.
Why would any multi-million or multi-billion-dollar corporation, whose representatives visit this website daily, be so obviously afraid to challenge the claims of a small, not-for-profit community media service?
These financial professionals, who rely on trust to operate their business, have been offered the opportunity to present their side of the story on camera, to meet on a without-prejudice basis to contest our reporting, and we have offered to drop the story, remove the website, and delete all social media posts if they can show us with tangible evidence that we are mistaken in our reporting. Instead, they have hidden for 18 months, refusing to even reply to our emails.
That is a self-inflicted injury that they are choosing to prevent from healing.
The simple truth is that the ONLY action taken so far by the brokers at Verico the Mortgage Station and their allies at Verico Financial Group Inc. and HomeEquity Bank was to send to us an anonymous, unsigned, do-it-yourself, legally flawed, threat of legal action that was delivered to our producer through a generic email account, most likely by David Flude, that we debunked by return email in which our producer went out of his way to include his name, contact info, and signature. In that Charmin-worthy wannabe threatening waste of paper, the writer went out of their way to threaten to sue the millennial-aged kids who work with us as apprentices to help our community through fully-donated video to local charities, not-for-profits, and benevolent community groups. We don't know if the intent was to motivate our producer to think about their futures, and feel intimidated about what the big corporations could do to them, but all it did was show how weak and flailing these people really are. The threatened claim has never been filed with any court, and the brokers at Verico the Mortgage Station and their allies at Verico Financial Group Inc. and HomeEquity Bank have never mentioned it again.
Choosing to lose a lot of money as a result of the building publicity is a strange choice to make when all they have to do to make this story go away is disprove our allegations, which should be easy if we are lying.
We like receiving warnings like this one. It means that we are reaching so many people now, and warning them about the crimes committed by the brokers at Verico the Mortgage Station and the 'choose to ignore' attitude of 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 we need to upgrade the bandwidth of our website hosting package so we can warn even more potential clients about these criminally-inclined and ethically-challenged provincially-licensed financial corporations.
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.
By that, we mean they are not one of the prominent mortgage lenders we reached out to as a warning about the criminal actions of the brokers at Verico the Mortgage Station and the 'see no evil' attitude of 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 also did not include them in our second email, sent a few weeks later in which we discussed increased interest by mainstream media due to the creation of our standalone website, and the support of our anonymous search engine optimization guru and help from three social media influencers (January 12, 2024).
Apparently, our fully supported reports of usury, or loan sharking, as committed by the brokers at Verico the Mortgage Station are becoming of specific interest to bankers across Canada. That comes as little surprise since we have shown how the Principal Broker, David Flude, lied six times in two emails (1) (2) to evade filing a report that would draw an investigation by the Financial Services Regulatory Authority of Ontario (FSRA) and he knowingly ignored the illegal actions of his brokers.
We have seen this kind of pattern develop during past investigative reports, when the criminal perpetrators refused to acknowledge the truth of their wrongdoing, which every single time led to their ultimate undoing.
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.
When David Flude was confronted with the details of loan sharking committed by his brokers, Renee Dadswell and Lisa Purchase, the Principal Broker of Verico the Mortgage Station refused to meet with his client by lying six times in two emails (1) (2) so he could evade filing a report that would draw an investigation by the Financial Services Regulatory Authority of Ontario (FSRA). Then he and his brokers hid for more than 18 months, apparently in the hopes that the victim they defrauded would just go away. When we stepped up our reporting, an unidentified anonymous issuer of threats, most likely David Flude, who claimed to represent Verico the Mortgage Station sent to our producer a lame, unsigned, flaccid threat of litigation, that when challenged, caused David Flude to falter at the gate and to decline to file the claim with any court.
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 ;-)
Three 'foreign' visitors all hit our page at essentially the same time to view a page that had not been fully uploaded or referenced on our Latest News or Reports and Videos pages.
Maybe 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 should worry more about their professional reputations and doing right to fix their many wrongs rather than hiring clandestine surveillance on our website. If they want to know something, they can pick up the phone and we will tell them. We are not the ones who have committed crimes or undertaken unethical actions. It also seems that one or all of them have hired a plethora of services to review every website and social media account associated with our producer, or any of his businesses, where they are evidently looking for something . . . anything, they think they can use against him. However, it is not lost on most that they won't sit at a table and discuss their abuses of trust, their loan sharking levels of interest, and their attempts to cover up their unethical actions.
Maybe, one day, they will realise, that their need for secrecy and sleazy tactics of coercion is what their prospective customers are seeing before they choose to go somewhere else for their mortgage.
Failing and Falling - Verico the Mortgage Station
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).
As Abraham Lincoln is quoted as saying, "You can fool all the people some of the time, and some of the people all the time, but you cannot fool all the people all the time."
These calculations, which are based on that hard data, extrapolate that the brokers at Verico the Mortgage Station are losing between eight and ten potential mortgage sales opportunities per week, with higher numbers associated with new Toronto-based families who do not know the local options and rely only on Google to find their services (February 14, 2024). The brokers at Verico the Mortgage Station can wallow in denial, and lie to themselves and others (February 13, 2024), but they don't have the data, so they are screaming into a vacuum.
We received a message late yesterday from a man who is living the current 'normal' of providing value of life and financial services to a surviving parent during their golden years. He found our page while looking for reverse mortgage options in Simcoe County. This is common now, as due heavily to the services of our anonymous search engine optimization wizard, who likely works for another broker or lender, we receive several issue-related emails every week from people who were going to work with the brokers at Verico the Mortgage Station, or in this case, consider a CHIP Reverse Mortgage through the HomeEquity Bank. As often happens, based on our fully supported and non-contested reporting, Garrett chose instead to take his mother's reverse mortgage elsewhere in her best interests.
Honestly, we must question if supporting Renee Dadswell for her blatantly obvious indictable offence of loan sharking still seems like a smart decision.
"I found your story when I was looking for an equity mortgage for my mother. She lives in an R2000 prefab on what used to be our family farm outside Bradford. I gave this decision a lot of thought as there are a lot of scams out there, but there is no way these people would hide from you for so long if they did nothing wrong. Your service to our community is also pretty damed impressive, and I hold that there is too much smoke for there to be no fire. At least I know who I won't recommend my mother trust. I hope for you that these guys aren't mobbed up, but you would probably know that by now. I enjoyed and shared a few of your videos. Good people should not be forced to just take being screwed. Keep their asses to the fire. Garrett"
Click here to read an equally damning email from a practically guaranteed referral client of David Flude, Principal Broker at Verico the Mortgage Station, in which the former legal professional, who represented about eight-thousand-dollars worth of commission, accused the purportedly 'ethical' broker of lying, while she openly and emphatically supporting our reporting.
Real people see genuine value in the reports of a not-for-profit community media service that has been nominated and voted to the highest levels for an award for altruism. They also understand what it means when multi-million and multi-billion-dollar corporations choose to hide for 18 months rather than counter allegations made against them, or provide opposing evidence, or take the issue to court where a ruling will be made based on the evidence.
The final reply by the referred client reads as follows: "Mr. Flude. You truly must think people are stupid, and your explanation is insulting. After receiving your response, I read everything Ironside posted about you, and I watched all of his company's videos. His work is clean, well-produced, and professional, unlike your accusations that appear vacuous, unsupported, and offensive to the intelligence of other people. If he was what you claim he would not be putting his name on his work, and you would have sued him a long time ago as he openly taunts you to do more times than I could count. I even went back to watch some of his other videos. The man has credentials from work all over the world and he was selected for an award for altruism in Barrie. Nonetheless, you paint him as simply an agitator. You insult me sir as you do anybody to whom you tell that lie. You also fail to mention that those people he - agitated - all lost to his evidence and several were convicted or fined as criminals. That means he was right, and it is why you will not fight him in court. Have you watched any of the videos he has produced for the hundreds of charities that are not about your company? I doubt it, but I did. Not all 300 plus of them, but enough. He has worked with everybody from multiple mayors to the chiefs of police. That is one well-connected agitator. I once worked in the courts many years ago and clearly, your agitator is somebody who stands up as we all wish we could. I read through your cover story like you are stamped on tracing paper. As you can see, I have copied this email in full to your agitator and I am granting Mr. Ironside my consent to use it as he wishes. I think he is doing a damned good job exposing you and your agents and I would even be happy to chat with him on camera. I am ever so glad I found his reporting about your business. I will also be asking if he can recommend an honest broker. Do not insult me again by trying to whitewash your actions. I will advise my friend of what I have learned and I doubt they will be coming to you for any renewals. I admit I have been angered by your deceptive response as I do not like being lied to. I do not want to hear back from you again."
Honest people understand that multi-million and multi-billion-dollar financial corporations do not idly sit back and allow a small, not-for-profit community channel to openly defame them and that when they do nothing for as long as is indicated below, there is a damned good reason for their decision to hide.
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It looks like we are finally going to get at least one key matter of this story resolved by the ruling of a judge, based on the evidence, and not through the omission of it. We are filing for a judicial review of the choices made by Detective Jason Muto of the South Simcoe Police Service, who without reason, omitted key evidence of our producer's allegations of usury, or loan sharking, against Renee Dadswell, a broker at Verico the Mortgage Station. This supposedly specially trained financial detective omitted minor details like the bank statement and mortgage funds disbursement record, which together prove conclusively that Renee Dadswell charged the interest rate of 198.25% on a short-term bridge loan when the legal limit is 60% in extreme cases. In doing this, with the assistance of Lisa Purchase and with the full knowledge of David Flude, Renee Dadswell committed the indictable offence of usury, or loan sharking, which carries with it a prison term of up to five years. After eliminating the evidence, the detective, who did not know the difference between percentage and interest, claimed there was 'insufficient evidence' to lay charges.
Imagine trying that one with the Crown Attorney after police flushed heroin down a toilet during a drug raid.
This Judicial Review will be a chance for a little get-together, as in addition to the brokers at Verico the Mortgage Station we will also be summonsing testimony and evidence from 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. After all, if they weren't active participants in the crime, they worked after the fact to try to make it disappear by ignoring the evidence, so they all have relevant information and evidence.
We have about two weeks to file the application, and it will take six months to a year to reach the court, during which time we will continue to report updates.
We will be summonsing the testimony and any supporting evidence from Renee Dadswell, David Flude, and Lisa Purchase, and and also from 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 Judicial Review, to be held in Divisional Court, will be judged based on all of the evidence, including what Detective Muto chose to disregard and the county selected to ignore, and we will be summonsing a variety of evidence or obtaining it through a Freedom of Information request, which cannot be unreasonably denied. We intend to prove through the use of evidence, that Renee Dadswell committed the criminal offence of usury, and that the detective was 'mistaken' in his decision to omit key evidence, and in his wilful use of incorrect incorrect to manufacture inaccurate calculations. Then we can work outwards from there, seeking a less erroneous or tainted investigation by detectives of the Ontario Provincial Police.
A judgement in our favour on that issue will greatly strengthen further the validity of our allegations.
In the words of Mahatma Gandhi, "It is wrong and immoral to seek to escape the consequences of one's acts."That is something to think about when compiling the list of ways by which David Flude and his brokers have tried to evade responsibility for their multiple crimes and abuses of trust.
Fortunately for those who have been defrauded, Karma packs one hell of a kick.
- Renee Dadswell committed the criminal offence of usury, or loan sharking, by charging 198.25% interest on a bridge financing loan when the legal limit, in extreme situations, is 60%. Usury is an indictable offence that is punishable by a prison sentence up of to five years.
- Lisa Purchase dragged out the mortgage timeline without explanation or legitimate excuse so she could manipulate her client into a position of needing financing so badly that he would 'agree' to loan sharking levels of interest. The result of the six-week delay was the effective closure of our fully donated community media service that over the previous decade had donated $700,000.00 worth of services through the creation of more than 350 videos that were fully donated to 180 plus charities, not-for-profits, and benevolent community groups. The City of Barrie and the Barrie Chamber of Commerce saw our service as worthy of an award for altruism, while the brokers of Verico Financial Group Inc. simply saw another mark from whom they could defraud money to satisfy their greed.
- When confronted with the wrongs committed by his brokers, David Flude lied six times in two emails (1) (2) to avoid having to complete a report for the Financial Services Regulatory Authority of Ontario (FSRA) in which he would have to explain the loan sharking and the tactics of delay that caused the near closure of our benevolent community media channel that has been credited with raising hundreds of thousands of dollars for local charities, not-for-profits, and benevolent community groups.
The community is becoming aware of how the actions 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, have limited our ability to help local charities, not-for-profits, and benevolent community groups. We know because we are telling them, and they are sharing.
- David Flude refused to meet, and he brushed off his responsibilities, which he identified as being 'regulatory requirements' of his license as a mortgage broker which he claimed he could not ignore.
- We are not playing armchair psychologists but lying that frequently and easily is one of the most common symptoms of a pathological liar or a narcissist.
- All three of the brokers at Verico the Mortgage Station have admitted in writing that they stole money by usury (Renee Dadswell), (Lisa Purchase), (David Flude). However, they have refused to take responsibility for their actions, or even to return the paltry $250.00 that they still retain from their crimes.
- David Flude, the Principal Broker at Verico the Mortgage Station, wilfully lied 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 calling him out as a liar and supporting the truth of our reports and videos. The full email exchange can be found here. Regardless, David Flude has done nothing to resolve the exposure of his abuses of trust and repeated lying. Even losing $8,000.00 in commission from a virtually guaranteed referal client is not enough to make David Flude realise that people see right through his lies and misdirection. The same can be said about the more than fifty potential clients who have written to us to say thank you for reporting the truth about the brokers at Verico the Mortgage Station and to advise us that they went somewhere else for their mortgage. Even counting just those 50, which based on statistics represents about five per cent of the true number, those diversions represent about $16,950,000 in mortgages, or about $169,500.00 in commission. From all we have read, and again, we are not psychologists, only a pathological liar or narcissist would be so self-absorbed as to continue to deny their accountability despite their actions being so transparently obvious to so many others.
- Instead of accepting responsibility for their actions, somebody 'motivated' a detective of the South Simcoe Police Service to omit key evidence, including a bank statement and the mortgage funds disbursement record created by the brokers at Verico the Mortgage Station. There was no reason for the detective to remove that key evidence from their investigation of usury as committed by Renee Dadswell, with the assistance of Lisa Purchase, with the full awareness of David Flude, other than the South Simcoe Police Service is a smaller community policing service that is apparently open to influence by multi-million and multi-billion-dollar financial services. That investigation is now headed to a Judicial Review to be held in the Divisional Court, for which Detective Muto, Renee Dadswell, Lisa Purchase, David Flude, 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 be summonsed to testify under oath and provide material evidence.
- When confronted with the effects of the truth of their actions, in the form of lost business due to our education of the public, somebody pretending to be an incognito representative of the brokers at Verico the Mortgage Station, which is a lie by deception and omission, by sending an unsigned, anonymous, frivolous 'Notice of Libel' through a generic email address that was easily debunked by the facts and evidence, and which, during the time shown below, has not yet been filed with any court of law. This pathetic action was embarrassingly lame, and it was nothing but vacuous threats by multi-million and multi-billion-dollar against a small benevolent not-for-profit media service that they should be able to squash like an insect, but against which they are clearly afraid to take action.
Countup
This huff, puff, and bluff transparent attempt at intimidation failed because we have the evidence to support our claims. We have also invited all participants multiple times to tell us their side of the story through an on-camera interview, or to discuss the content of our reporting though a without-prejudice meeting. We have even offered to cancel our expose documentary and remove this website and our social media posts if they can show us their evidence that disproves our claims. Instead of replying to any of those options, 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 and ignore every opportunity to defend themselves against the evidence, much of which is now public. - Finally, our pages and evidence have now been visited and scoured by three television networks, two from Canada and one from the United States; the latter of which we declined to tell our story because they are known for being less than honest. We also now have three social media influencers pushing our content to hundreds of thousands of people, access to almost a million people in a group that is focused on mortgages and real estate financing options, and the services of an anonymous search engine optimization expert who is evidently working for a competitor to Verico the Mortgage Station, and/or Verico Financial Group Inc. and/or HomeEquity Bank. Regardless, these 'professionals' apparently remain oblivious to the truth, blinded by the cataracts of chronic denial, and we don't know how big the comet has to be for these people to see the potential extinction-level event that is rushing toward them.
It is the denial of the brokers of Verico the Mortgage Station and their allies at Verico Financial Group Inc. and HomeEquity Bank that has stoked the fires of this story, causing it to bubble over into the public consciousness.
It certainly seems like 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 keeping busy trying lamely to find a way to get out of being exposed for committing usury, also known as loan sharking, against a senior and veteran, or covering it up, and through their actions depriving local charities, not-for-profits, and benevolent community groups from accessing essential fundraising and outreach resources.
We understand the desire by the brokers and their allies to be seen as clean, but that can only happen after they have atoned for their abuses of trust.
We are now frequently seeing this pattern on one of our web pages, usually on our Five Points Media website. Somebody, in this case in Barrie, watched one of our fully donated community videos as produced for a charity, not-for-profit, or benevolent group. Then, apparently, they saw something they thought they could use to discredit us. So, they sent the link to somebody else, in this case in Toronto, who watched the video and then sent the link back to Barrie, but to somebody else.
We can tell a lot about our visitors from their IP address, the browser used, the screen mode, and the Internet Service Provider.
This particular video is from when we helped hundreds of families raise money and awareness to fight childhood cancer, so what could they have found that they thought was usable against us?
Why, if these people have done no wrong, as they claim, are they scurrying around like the knights at the French castle in Monty Python's 'Holy Grail'? Why don't they file the civil action they threatened through an anonymous, unsigned, significantly flawed 'Notice of Libel' to which our producer immediately replied, signed, and returned, and which the brokers at Verico the Mortgage Station have refused to file with the court for the amount of time seen below.
We understand the desire to avoid hundreds of thousands of dollars in legal fees, just to have the case thrown out by any ethical Justice of the Superior Court. Any attempt to use the civil court to intimidate somebody to not expose the Applicant's crimes is by definition an unscrupulous Strategic Litigation Against Public Participation (SLAPP) lawsuit that has been scorned by every court and law society. Our logs show us exactly how many lawyers have reviewed our story, specifically this article about our response to when a lawyer representing a slumlord threatened to sue us for reporting on the abuses that led to the death of a disabled man living in an uninsulated rented trailer.
A parade of lawyers have reviewed our online reports from cities, towns, and villages all over Ontario, in Manitoba, and even the United States, but once they saw that article, none ever returned.
The brokers at Verico the Mortgage Station and their allies have been given several opportunities to say their piece on camera and to meet on a without-prejudice basis to discuss the accuracy of our reporting. We have even offered that if they can present evidence that counters our claims, we will cancel the documentary, and take down all website and social media posts.
We don't know how we can be fairer than that, or why the multi-million and multi-billion-dollar brokers and bankers feel the need to constantly 'run away' from a small not-for-profit community media company.
A frequent follower recently brought to our attention the massive new online advertising being paid for by Davide Flude and his brokers at Verico the Mortgage Station. This paid block is about three times as big as what they were running a few months ago, and it seems obvious that the intent is to fill the screen so that their prospective clients cannot see the posts associated with our expose documentary.
Sadly, for them, it is not working.
Despite various lame attempts at censorship, every day, more prospective clients of Verico the Mortgage Station learn about how these provincially entrusted licensed financial 'professionals' defrauded a senior and veteran through usury, also known as loan sharking, and how 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 negligently turned their back to the crimes in the name of profit.
They have also, through their actions, taken essential services away from charities, not-for-profits, and benevolent groups that help the most in need.
Those potential victims of fraud are also learning, now through various means, that as a result of their greed, the brokers of Verico the Mortgage Station and their allies have wilfully deprived the local charities, not-for-profits, and benevolent groups of Simcoe County from having access to vital fully donated fundraising and community outreach services. The brokers of Verico the Mortgage Station and their allies have known of the repercussions of their actions for more than 18 months, as we discussed it for the first time on June 18, 2022, in one of the very first articles. Regardless, they appear to have chosen to ignore their own moral compass, if they have one, in the name of grifting a few dollars at the expense of those in need.
The brokers at Verico the Mortgage Station have recently expanded their online advertising so that their ad essentially fills the screen when you Google their name. That is not a cheap option for trying and failing to conceal the truth, and it is quite obviously not working.
The target demographic, from late twenties to early thirties, tend to be much more socially conscience.
It is apparent that profit matters more to the brokers at Verico the Mortgage Station and their allies at Verico Financial Group Inc. and HomeEquity Bank than does their legal obligation to provide ethical services to their clients, and that their greed surpasses the moral mandate to contribute to back to our society, including the well-being of those most in need within our community. Fortunately, the younger generation is more tech-savvy, and they can easily see past this kind of smokescreen. It also does not require Mensa membership to understand that if the brokers of Verico the Mortgage Station and their corporate head office at Verico Financial Group Inc. are willing to take money intended to help charities, or turn a blind eye to the unethical practice, there is no protection for anybody who does business with them.
We don't claim to be mortgage experts, but the steadily increasing amount of traffic to our website from various parts of Toronto, Mississauga, Pickering, Oshawa, and other feeder cities and towns would suggest that the annual search for housing in Simcoe County has begun. Every year, families that cannot afford outlandishly expensive homes in the Greater Toronto Area look north. This is now especially true, as we have the GO Train going right into the heart of Barrie, with stops all the way up through Simcoe County. Also, the northbound commute on the 400, also known as the Toronto-Barrie Highway, is faster and less stressful than travelling east or west on the highly congested 401.
We have seen quite a few new GTA IP addresses, and we received a couple of thanks for the heads-up.
We are told that it is this time of year when Torontonians and those from their neighbouring bedroom communities look for alternative housing in time for the new September school year. Of course, those new and often first-time home buyers are Googling to find local mortgage brokers, and instead of finding the loan sharks at Verico the Mortgage Station, they are finding our reports and evidence.
They don't have to read the full story to understand that something is seriously wrong in Lefroy.
The main areas of interest to these house-buying viewers are the 'Synopsis' on our homepage, 'Loan Sharks on the Lamb' that we will soon be updating, the two stories about the transparently tainted police investigations (1) (2), the 'Latest New', and 'Reports and Videos'. This infers that they don't need a lot of information, but just enough to make them choose not to deal with a brokerage that is so clearly concealing their true nature from their clients, as they are doing everything from hiding for 18 months to 'motivating' the local small-town police department to omit evidence to excuse them from an indictable offence.
Most prospective new home buyers moving up from the GTA are young, university-educated professionals who know how to use Google, and who are seeing the truth of our reporting. They are also most likely to be put in control of their parents' estate when they become too old to make complicated financial decisions.
Most people are not so foolish as to retain professional services for the biggest purchase of their lives without doing some research beyond a business' propaganda.
The emails we received were for the most part both grateful to us and angry at the brokers of Verico the Mortgage Station. Those messages were very similar to one on which we were carbon copied by a new referral client for David Flude who became so angry she called the Principle broker at Verico the Mortgage Station a liar and heatedly told him what she thought of his deception while praising us for our fully-supported reporting. People have a choice regarding who they want to do business with and they understand that they don't want to take the risk of working with a company that is licensed based on trust but which violates their ethics and then knowingly and wilfully tries to just walk away and pretend it didn't happen.
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They also understand that if we were reporting anything but the facts, the brokers at Verico Financial Group Inc., 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, would have filed a civil claim against us by now (see the left counter) and not just threaten to do so while hiding behind anonymity and then never file the action with any court (see the right counter). They also recognize that no legitimate multi-million-dollar company that has done no wrong, and especially one licensed by the province based on trust, would allow lies to be told about them for so long (see the left counter). It is also obvious that David Flude has refused to step up and explain himself, to meet to discuss the accuracy of our reporting, as we have offered multiple times, or to do something other than hide and whine. People notice these things, and they go instead to somewhere they feel safe.
For these potential new clients, it is pretty clear who is lying, and they are arranging their mortgage someplace other than The Mortgage Station, and at a brokerage not associated with Verico Financial Group Inc.
Denial can shield us from difficult emotions. According to experts, that might be helpful in the short term, and provide relief to people who don't have the bandwidth or ability to face a problem. However, chronic, or ongoing denial, often leads to the afflicted engaging in unhealthy behaviors which often allows a bad situation to continue. The negative effects of denial often compound over time, and if the afflicted is aware that a certain situation is worsening, they may try harder to avoid confronting it, allowing the problem to grow.
This unhealthy form of denial often adversely affects others around the afflicted, like coworkers, family members, and business colleagues.
We have made no secret that we are able to track those who visit our website and that we have also tagged many through their location, IP address, MAC address, device type, and pattern of visits. It does not take long for our artificial intelligence to establish a pattern of contact that enables us to spot new devices, changes in IP address, and geographic location. Every commercial website has this ability, and most take it further using cookies. We choose not to be so invasive.
One of those people we have tagged is David Flude, as he is a principal component of this story.
We are not going to play armchair psychologist, but there is an issue when a businessman who is being accused of committing criminal offences refuses to look at the latest information being revealed about his business, like through our Latest News page. Instead, we can show how the Principal Broker of Verico the Mortgage Station goes to the homepage of our Five Points Media website, a safe zone, and he goes there sometimes several times a day. He has also recently visited other soft pages, but only does brief flyovers of any page that discusses wrongdoing.
The negative effects of denial often compound over time. If an individual is aware that a certain situation is worsening, they may try harder to avoid confronting it, allowing the problem to grow.
Is this a pattern of normal behaviour for somebody who is playing not only with his future, but also with those of several of his brokers, and the allies who have supported him?
Most of the others, who have also never contested our allegations, seem to have no issue with reading our reports and updates, but are apparently oblivious to the fact that their 'leader' is not dealing with the exposure that grows every day. Chronic denial would also explain why David Flude first refused to meet his client to address the crime of usury or loan sharking committed by Renee Dadswell with the assitance of Lisa Purchase, with the full knowledge of David Flude. It also explains his decision to avoid dealing with this issue by lying six times in two emails (1) (2) to evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA), and to knowingly defy 'regulatory requirements' of his licensing as a mortgage broker. The Principal Broker at Verico the Mortgage Station also chose to evade the truth by telling some interesting lies 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 calling out the repeated liar and showing her support for the truth of our reports and videos. Her final rant is quite revealing, and you can see the entire email here.
David Flude also seems unable to do anything to justify his actions and those of his brokers.
We have offered David Flude and his brokers the opportunity to explain their side of the story through an on-camera interview. Then we offered to meet through a without-prejudice meeting to verify our reporting. We even offered to drop the story and cancel the documentary if any of them could show us evidence that disproves our allegations. Regardless, David Flude chose to ignore all of these offers and decided instead to send us an anonymous, unsigned, do-it-yourself 'Notice of Libel' that we advised him had no legal merit and which served only to lamely attempt to intimidate us so we would not expose the crimes of the brokers at Verico the Mortgage Station, and the less than ethical decision by 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 who chose to ignore the criminal activity being committed against their mutual client. Our suspicions also ring true when considering that David Flude chose to hide for 18 months after supporting the loan sharking and refusing to comply with 'regulatory requirements' so he could avoid meeting with his accuser.
We also looked at the 'motivated' decision by the South Simcoe Police Service to omit and falsify evidence.
Anybody who cannot face the repercussions of their actions can certainly not face genuine police investigation or possible prosecution for criminal abuses of trust and loan sharking. Well, the truth of that matter is about to come out through a Judicial Review through which a Justice of the Divisional Court will make a ruling regarding the Keystone Cops investigation by Detective Jason Muto, which ended in a decision of 'insufficient evidence' after the detective omitted key evidence, like the bank statement and mortgage funds disbursement record that prove the allegations. Any person who suffers from this level of chronic denial would do anything to evade the reality of their situation, including 'motivating' a detective to see things their way. Finally, there is the issue of how David Flude whined in his 'Notice of Libel' about how he did not want 'his brokers' to have to testify, and how he ultimately did not file the claim in the Superior Court of Justice. He also has not filed any action seeking injunctive relief to stop our expose documentary, even though he threatened to do so. It is also apparent that after he sent his anonymous threats, David Flude literally sat at his computer at midnight to see if we had deleted the story as per his demands that remained on our Five Points Media website and on this new domain. We told him that those reports and videos are not going anywhere, but evidently, he had to see for himself if he had scared us away.
In an email we posted today, a woman named Barbara asked if we thought David Flude could be a narcissist, but we think, given all of these details, chronic denial would make much more sense.
We receive a few emails each week and also direct messages through Facebook. Some weeks' reporting generates more inquiries than others. Most requests are for our evidence of the crimes committed, which we know are often made by competing brokers. We are always happy to share. We have also provided, when requested, details of the farcical investigation undertaken by detectives of the South Simcoe Police Service which are most often requested by organizations and legal groups that monitor abusive actions and breach of trust by police officers. That matter is now going to trial in Divisional Court through a Judicial Review by which a ruling will be made based on evidence, and not the omission of it.
We chose to keep this honest by posting the message as sent, via a phone with spelling and grammar errors.
"There is something wrong with this Flude dude. I've been following your story here and there for a while. I was looking for a reverse mortgage for my mother when I found it. Of course I went somewere else and not to anybody selling Home Equity. How can he not realise that his neglogence and by his brokers are hurting others like fella brokers the banks the bigger company and others? He sure seems ignorant or uncaring about what he is doing and who he is screwing. I know you reported about his repeated lying that is obvious but have you thought he might be a narcissist? Why can these other professionals not see what he is doing and how his is monipulating them? I am no journalist or mortgage expert but it seems obvious to me. Keep up the good work. Too many seniors are being ripped off."
Barbara
We were given consent to share this email if we only used the writer's first name)
Have you thought he might be a narcissist?
Our traffic may have suffered noticeably on Superbowl Sunday, but other than Taylor Swift, who's didn't? However, we will take Monday for a comeback, a touchdown, and a win ;-) We have seen quite a few days like this one before, but we are not sure if we have reached these numbers since we moved the story from the Five Points Media website to this standalone domain just five weeks ago.
The nice weather this past week has inspired people to take lunch away from their office computers.
We saw this morning the start of another rebound in traffic, but we don't expect it to be as high. That said, this kind of bounce usually results in increased traffic for a prolonged period, depending on influencers like Mother Nature.
Speaking of influencers, they likely had something to do with the boost.
Yesterday, after sending our third email to the lenders, we forwarded it to our three social media influencers (Latest News - January 12, 2024) who apparently did their thing. It also seems like our anonymous and likely competing search engine optimization expert may have also boosted it.
We will take Monday for a comeback, a touchdown, and a win.
Some visitors were from the lenders, others came from the Mortgage Station and their allies, a lot were linked to the 'little people' for whom they all show so much contempt, and new hits originated from various media.
The self-identified, but not yet confirmed, former broker for Verico the Mortgage Station who reached out to us and with whom we are planning to meet (Latest News - February 08, 2024), saw our post and read the complete email online (Latest News - February 12, 2024) before suggesting that one or more disgruntled former or current employees at one or more of the banks and lenders might be working incognito to spread the word of this story to industry insiders, as he says he is now doing. We are told it popped up on several mortgage-related social media pages. We don't know if that is true, as quite honestly, we don't have the tools to monitor every social media service for our stories, or at least not currently. To our friends and supporters, both known and otherwise, we thank you and ask that you continue to spread the word of this abuse of trust by loan sharks who defrauded their senior and veteran clientele while skimming resources from local charities, not-for-profits, and benevolent community groups. Sincerely, can you get much lower than the ethics that have been demonstrated by the brokers at Verico Financial Group Inc., and their allies W. Mark Squire, President and Chief Operating Officer, Verico Financial Group Inc. and Yvonne Ziomecki-Fisher, Executive Vice President Marketing & Sales of HomeEquity Bank?
By increasing our reach, by all legitimate means possible, we will expose this kind of abuse of our seniors.
On December 11, 2023, we sent an email to all of the lenders who provide funding for the mortgages arranged by the brokers at Verico the Mortgage Station. Our intent was to advise them of the crimes committed and the less-than-ethical practices of that business with whom they place so much misguided trust. On January 12, 2024, we reached out to them all again, to advise them of the new website and our expanded coverage. Today, we sent them a third email, focused on the dramatically increased level of interest by US and Canadian mainstream media.
The response was both immediate and dramatic.
Within five minutes, our website at themortgagestation.tv had experienced an additional 43 hits on various pages from different IP addresses located across Canada, and a selection of pages that were included as links within the email also popped up with visitors on both our commercial website and Five Points Media. We also know one recipient, who we will not identify, immediately forwarded the email to at least a dozen people on their server, most likely via automated methods, and another downloaded our entire website, likely for review later or at a meeting.
Then something happened we had never seen before.
Suddenly, without any indication as to why, all those visitors magically disappeared, from all three websites and all within eight minutes. Then, nobody came back for a little more than an hour and a half. Like any website, we have periods of no traffic, mostly in the dead of the night, but never for that length of time. We doubt it is true, but it was like as soon as our email hit their inboxes and all those of the lenders, somebody hit 'reply all' and told everybody there was a virus or some other lame excuse to get them off our website where they could learn the truth.
Click here to download the full email.
For whatever reason, it did not work for long because most of the lenders have returned, some several times to different pages, and at least one to finish downloading the full content of our website for sharing or meetings. It is not hard or complicated to do, and we have no issue with anybody sharing our content. We also counted a whole slew of other people that we don't believe are associated with the lenders unless they are visiting from working at home. It could have been a technical blip, or maybe our tracking software just suddenly stopped working for a short time, but it was weird. If the mass evacuation was the result of a false flag message, and we are not saying it was, the lenders will now be aware that they were deceived by those they have been supporting.
Such a realisation will do nothing but increase our credibility.
The simple reality is that we have the evidence, which evidently scares the brokers at Verico Financial Group Inc., 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 sufficiently to prevent David Flude from filing the court action his anonymous agent threatened that can only be an unscrupulous and court scorned Strategic Litigation Against Public Participation (SLAPP) lawsuit
We admit that we have no way of knowing if the visitors caught here by our tracking utilities are part of this story, but the pattern is ongoing, so we have to assume they have special interest. As you can see, somebody from Barrie who frequents this site regularly found a page on our Five Points Media website about one of our community projects, and they got so excited that they just had to share it with another previous visitor from Aurora who also had to immediately have a look.
This particular video was about a unique fundraiser through which a non-affiliated motorcycle riding club organized a ride to raise money for Autism.
Apparently, the first visitor thought they had found something they could use against us, likely by suggesting that we are supporters of bikers or some other lame fantasy. In truth, these 'bikers' range from mechanics to mortgage brokers, and we know that because the latter arranged the purchase of our home and studio.
This 'gotcha' mentality has been demonstrated before, when the loan sharks really thought they had something they could use to discredit our producer.
Within their lame, anonymous, and unsigned 'Notice of Libel' that was never filed with the court, the writer, who we are assuming is David Flude, ranted for about a page and a half about how one well-known Conservative Justice of the Superior Court did not like the tactics of exposure used by our producer against the incumbent Conservative candidate for provincial office who had retained the services of a defamatory libelist and vexatious litigant to attack the NDP candidate who had hired our team for video production and media services.
When our producer replied, you could almost hear the 'wha' 'wha' 'wha' of the trumpet.
As always, our producer relayed the facts and presented the evidence, while advising the anonymous agent for Verico the Mortgage Station that their threats were unfounded, unsupported by law, and would only be used to conceal criminal abuses by the brokers at Verico the Mortgage Station. He also noted that we would not be pulling our story, apologising, retracting our allegations, or taking any other action demanded under 'threat' by the anonymous writer who sought to kill our expose documentary of fraud by usury, or loan sharking, as conducted by the brokers at Verico the Mortgage Station. The internationally experienced journalist also advised the anonymous agent of Verico the Mortgage Station, that just three weeks after that ruling, a different Justice ruled fully in favour of our producer against the same vexatious litigant and defamatory libelist, who was also ordered to pay $5,000.00 in costs for contempt. It also appeared to be lost on the writer that neither order truly meant anything financially, as orders of the court have little effect on people who are deemed legally to be 'impecunious', or having very little or no money usually habitually.
The writer's dance with delusion showed us just how little David Flude understands about the legal system, and apparently the position into which he has put himself, his brokers, and his allies through hiding and denial.
These licensed mortgage brokers and bankers are now looking at mass exposure through the American network that contacted us, or the first Canadian network that undertook extensive research (see Latest News - January 22, 2024), or even the Canadian Broadcasting Corporation (see Latest News - February 09, 2024), whose journalists have visited our website extensively during the past two days. Regardless, they are still playing at grasping straws to try to find something . . . anything . . . they think they can use to throw unwarranted or imaginary mud at our team, hoping something sticks while they continue to wallow in denial and hide from reality.
They would have to find something very significant to counter the truth of our community support and altruistic endeavours, that help those most in need and people who desperately need to be given a voice.
The reality is that during the past ten years our team has donated more than $700,000.00 worth of services, through the production of 350+ videos for more than 180 charities, not-for-profits, and benevolent community groups, which culminated in 2020 with our team being nominated and voted to the highest levels for an award recognising our altruism, that was presented by the City of Barrie and the Barrie Chamber of Commerce. One day, we hope, these people will pull their heads out of their posteriors long enough to understand that hiding and denial is destroying their reputations, and also those of their allies at Verico Financial Group Inc. and HomeEquity Bank, whose ongoing loyalty to these criminal abusers of trust who willfully loan shark seniors and veterans while draining resources from charities, not-for-profits, and benevolent community groups is a complete mystery.
We hope Renee Dadswell is enjoying the paltry $250.00 she still retains from the fraud by usury she committed against a senior and veteran, for which she and her colleagues seem destined to become quite famous.
The true idiocy is that a single broker, Renee Dadswell, committed fraud by usury, or loan sharking, and instead of simply doing the right thing, David Flude and Lisa Purchase, along with 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, lined up behind her to drag their names and reputations through the muck in an unsuccessful attempt to conceal the crime, that managed only to make their criminal actions a potential headline story on national mass media.
We remain open to offering an on-camera interview or even a without prejudice meeting should any of the involved people be wise enough to see the writing on the wall.
Apparently, the story that the brokers at Verico the Mortgage Station, namely David Flude, Lisa Purchase, and Renee Dadswell, chose to hide from for 18 months will soon be a nationwide report for millions to see. When that happens, they and their allies, W. Mark Squire, President and Chief Operating Officer, Verico Financial Group Inc. and Yvonne Ziomecki-Fisher, Executive Vice President Marketing & Sales of HomeEquity Bank, will likely wish they had agreed to our polite request for an interview, and our invitation to provide constructive feedback regarding our reporting. The only reply was vacuous, anonymous threats of suing us into silence. So, the owners of a multi-million-dollar corporation, in an attempt to conceal their crimes, is threatening to abuse the purpose of litigation against an altruistic not-for-profit, but they fear the evidence too much to file their allegations with the court.
Seriously, what kind of journalist would find that story interesting enough to take to their editor?
We reported yesterday, February 09, 2024, about how somebody from the network's primary production and news centre of the Canadian Broadcasting Corporation, located in downtown Toronto, had gone through Google to a page on our new website entitled "South Simcoe Police Service Now Omitting and Falsifying Evidence to Protect Loan Sharks" a title which speaks accurately and directly to the subject matter. As can be seen in the screengrab of our visitor tracking software, the server used by the visitor was labelled Canadian Broadcasting Corporation, and the city from which they accessed our reporting is identified as Toronto.
We chose to report on the interest of Canada's official public broadcaster, which might be why it looks like they took the show on the road, likely to their home.
If it was not them, it was most likely another journalist who follows our reports, who took interest based on our post regarding the relationship between the brokers at Verico the Mortgage Station and the key evidence omitting detectives of the South Simcoe Police Service. We say that because the visitor hit every page in which details of the investigation of usury, or loan sharking, were reported in detail.
Interest is growing in this story of how a multi-million-dollar brokerage, the wealthy head office of their corporate brand, and a multi-billion-dollar bank are wilfully defrauding seniors and veterans, and defunding service to 180+ local charities, not-for-profits, and benevolent community groups, and how they are using huff, puff, and bluff, to try to silence an altruistic not-for-profit service that voluntarily supports the most vulnerable in their community.
That list includes but is not limited to.
- Verico The Mortgage Station - South Simcoe Police Reviewing Evidence of Loansharking - June 29, 2022
- The South Simcoe Police Service is Protecting a Loanshark - June 24, 2023
- Innisfil Mayor and Council - No plausible deniability - June 25, 2023
- South Simcoe Police Special Fraud Detective To Launch New Investigation Of Brokerage Loansharking - June 28, 2023
- South Simcoe Police Service Now Omitting and Falsifying Evidence to Protect Loan Sharks - August 11, 2023
- South Simcoe Police Service Cook the Books to Help Rich Crooks - August 23, 2023
- Simcoe County Council Showing "Zero F#Cks Given"About Local Loan Sharks Defrauding Seniors - October 6, 2023
- Lies, Manipulation, and Loansharking - Verico the Mortgage Station - October 31, 2023
Our reports have been open to the public for more than 600 days, yet no identified representative of Verico the Mortgage Station, the South Simcoe Police Service, or Simcoe County Council has ever rebuked our reporting.
The visitor also went to other pages, but their area of interest was definitely the apparent 'you scratch my back, and I will scratch your palm' relationship the evidence supports exists between the brokers of Verico the Mortgage Station and the detectives of the South Simcoe Police Service. We also published yesterday that as the actions of the detectives are not an issue that can be undertaken by the Office of the Independent Police Review Director, we will be presenting all of the evidence, including the key financial records that were omitted by Constable Muto of the South Simcoe Police Service without legitimate cause or reason. A Justice of the Divisional Court, who is obligated to review all evidence and make a ruling that is based on the law, will not be 'motivated' to help the loan sharks of Lefroy. That Justice will also not be so easily influenced by small-town politics, or by any elected official's decision to look the other way to benefit their own best interests.
Although today's visit is not the first flyby across this story by the Canadian Broadcasting Corporation, it is the first time we have been visited by the network's primary production and news centre, located in downtown Toronto. We are not sure what exactly they were looking for, but they went directly to the page entitled "South Simcoe Police Service Now Omitting and Falsifying Evidence to Protect Loan Sharks" a title which speaks accurately and directly to the subject matter.
What separates Canada's official public broadcaster for both radio and television from other media is they do not rely fully on advertising, so they will often tell a story fully regardless of financial pressure.
It is probably pure coincidence, but earlier this week, we advised the Office of the Independent Police Review Director that we will be taking our evidence of suspicious investigative practices by the detectives of the South Simcoe Police Service to a Judicial Review that will be heard in the Divisional Court where a judgement will be made based only on the presentation of evidence, and not the omission of key incriminating financial documentation.
About three weeks ago, on January 16, 2024, we reported how it seemed Verico Head Office might have let the cat out of the bag about our expose documentary to all of their brokers across Canada, as suddenly we were getting visitors from Victoria BC to Newfoundland and PEI. We surmised they were associated as they all consistently accessed our website using the newest generation iPhones with the latest browsers, and they all, or for the most part, visited only the homepage of our new website which includes a full synopsis of our story and a variety of our videos.
Now, it seems those brokers might be looking for a better explanation than the cover story provided.
When we were advised of the influx of nearly identically equipped visitors coming all at once, from all over the country, we set up an AI command sequence so that each visitor was assigned a unique identifier tag like 'broker 52' or 'broker 127', depending on when they visited. Now, as time has passed and our social media influencers (Latest News - January 12, 2024), of which we now have three, and our anonymous search engine optimisation expert have done their things for the new website, these brokers are returning in ever increasing numbers and frequency.
We thought they would be most interested in our articles about the fraud by usury committed by the brokers at the Mortgage Station, but we were wrong.
David Flude has shown that he lies as easily and as repeatedly as most people breathe. In addition to lying six times in two emails (1) (2) to evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA), the Principal Broker at Verico the Mortgage Station also told some whoppers 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 calling out the compulsive liar and supporting the truth of our reports and videos. Her final rant is included below, or you can see the entire email here.
Most of the returning brokers are visiting random examples of our fully donated community programming that was produced at our expense to help charities, not-for-profits, and benevolent community groups that help those in need or who do not have a voice.
"Mr. Flude. You truly must think people are stupid, and your explanation is insulting. After receiving your response, I read everything Ironside posted about you, and I watched all of his company's videos. His work is clean, well-produced, and professional, unlike your accusations that appear vacuous, unsupported, and offensive to the intelligence of other people. If he was what you claim he would not be putting his name on his work, and you would have sued him a long time ago as he openly taunts you to do more times than I could count. I even went back to watch some of his other videos. The man has credentials from work all over the world and he was selected for an award for altruism in Barrie. Nonetheless, you paint him as simply an agitator. You insult me sir as you do anybody to whom you tell that lie. You also fail to mention that those people he - agitated - all lost to his evidence and several were convicted or fined as criminals. That means he was right, and it is why you will not fight him in court. Have you watched any of the videos he has produced for the hundreds of charities that are not about your company? I doubt it, but I did. Not all 300 plus of them, but enough. He has worked with everybody from multiple mayors to the chiefs of police. That is one well-connected agitator. I once worked in the courts many years ago and clearly, your agitator is somebody who stands up as we all wish we could. I read through your cover story like you are stamped on tracing paper. As you can see, I have copied this email in full to your agitator and I am granting Mr. Ironside my consent to use it as he wishes. I think he is doing a damned good job exposing you and your agents and I would even be happy to chat with him on camera. I am ever so glad I found his reporting about your business. I will also be asking if he can recommend an honest broker. Do not insult me again by trying to whitewash your actions. I will advise my friend of what I have learned and I doubt they will be coming to you for any renewals. I admit I have been angered by your deceptive response as I do not like being lied to. I do not want to hear back from you again."
It is purely speculation, but it appears the returning brokers are trying to make sense of how an obvious theft of a mere $200.00 has been allowed to become such a public and embarrassing stain on all Verico franchises.
Much to our suprise the returning brokers are not reviewing the content of our documentary about loan sharking at Verico the Mortgage Station. Instead, they are for the most part going to our Five Points Media website to randomly view the articles and videos associated with our fully donated community programming that were produced at our expense to help charities, not-for-profits, and benevolent community groups that help those in need or who do not have a voice. None of those pages have anything to do with our expose documentary about loan sharking by brokers at Verico the Mortgage Station, so all we can guess is that they are trying to figure out how and by whom were they deceived.
People who donate so much community support, and who have been voted to the highest levels for an award for altruism by the City of Barrie and Chamber of Commerce do not manufacture lies about ethical businesses.
It appears that at least some brokers who likely paid a lot of money for their franchise from Verico Financial Group Inc. are now understanding that either David Flude, the Principal Broker at Verico the Mortgage Station or Mark Squire, President and Chief Operating Officer, Verico Financial Group Inc. is lying, or at the very least one or both are not being fully forthcoming with the facts. They also likely want to know why, if David Flude and Mark Squire are being honest, neither of them has filed a claim in civil court, or a motion for injunctive relief, as was threatened more than a month ago through a flaccid anonymous threat that bore no signature and had more holes than a block of Swiss cheese used for target practice by a platoon of infantry training on Gatling guns.
Can you imagine, as the owner of a McDonald's franchise, being told the head office is doing nothing to reassure the public after several children died from mysterious food poisoning at another franchise?
Abraham Lincoln said it best when he noted: "You can fool all the people some of the time, and some of the people all the time, but you cannot fool all the people all the time." It appears that these brokers may have been tricked on the short-term, but not fooled forever. Now, due to the efforts of the social media influencers (Latest News - January 12, 2024) and the anonymous online promoter, our new website is showing up prominently on Google and other search engines all across Canada. People react fairly quickly to deception, and although some people, apparently including Yvonne Ziomecki-Fisher, Executive Vice President Marketing and Sales of HomeEquity Bank, will blindly follow lies like a lemming to a cliff, not everybody is so gullible. These brokers appear to now understand that they have been deceived and that there is a good reason why no action has been taken to remedy the situation. Some of them might also have lost business in a similar way to David Flude, who was denied $8,000.00 in commission by a new client who boldly called him a liar for denying the truth. They may also be seeing a dip in sales, either due to our reporting or just a seasonal lull, and as they now know about our expose documentary and the criminal actions of the brokers at Verico the Mortgage Station, they may be looking for a scapegoat for their frustrations and financial losses. Every day in every way, chronic denial and an ongoing collective 'strategy' of cowardly refusal to face their wrongs are hurting Verico the Mortgage Station, Verico Financial Group Inc., and HomeEquity Bank.
As we have said from day one, now 601 days ago, David Flude and his brokers at Verico the Mortgage Station could only hide for so long before the truth and the evidence caught up with them.
It is hardly grounds for celebration, and we won't be having a party, but as can be seen from the clock above, as of three hours ago, we have been reporting on this story for more than 600 days. June 18, 2022, might seem like a long time ago for some, but in the past, when producing an expose documentary like this one, we have researched and reported for longer than 36 months, or more than 1095 days.
During that time, we have warned hundreds of thousands of potential victims of fraud, most of whom went instead to brokers not associated with Verico.
That action was made necessary by David Flude, the Principal Broker of Verico the Mortgage Station who wilfully ignored the 'regulatory requirements' of the Financial Services Regulatory Authority of Ontario (FSRA) so he could evade reporting how one of his brokers, Renee Dadswell, had committed the indictable offence of usury, also known as loan sharking with the assistance of her colleague Lisa Purchase.
Then he and his brokers hid for 18 months, which is not something normally associated with honesty.
Verico Financial Group Inc. and HomeEquity Bank dragged themselves into this story by refusing to investigate fully supported allegations of loan sharking and breach of ethics. Apparently, as was the case with Verico the Mortgage Station, they thought we would just give up and go away. We are sorry to disappoint them. It is commonly accepted that honest people with nothing to hide don't do so, and all 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 at HomeEquity Bank have accomplished is to throw dirt on their reputations and credibility by refusing to challenge our claims through an on-camera interview, or even to meet us to discuss the accuracy of our reporting through a without-prejudice meeting.
As Forest Gump famously noted, 'Stupid is as stupid does.'
Only the guilty hide that long from their own actions.
All these purportedly 'ethical professionals' have been able to do is to threaten us from anonymity, through an unsigned 'Notice of Libel' that was sent through a generic email address, but which has never been filed with the courts. It also seems apparent that the brokers at Verico the Mortgage Station are having a bit of difficulty finding a lawyer to take their case, as any attempt to use the courts to stop our fact-based journalism that is backed up fully by evidence would be an abusive claim known as a Strategic Litigation Against Public Participation (SLAPP) lawsuit.
We have had a steady stream of dozens of lawyers doing flybys on our website, from across Ontario, from Manitoba, and even from the United States, but not one ever came back.
The collective business acumen of all three companies has also been exposed for all to read about with amusement. Renee Dadswell managed to skim $450.00 in grift from our producer's mortgage, $200.00 of which she had to begrudgingly return for fear of exposure and criminal charges. In exchange for that pittance, tens of thousands of Simcoe County residents have been warned quite effectively to steer clear of the brokers at Verico the Mortgage Station. Meanwhile, hundreds of thousands across the country have been warned about the negligence of Verico Financial Group Inc. and HomeEquity Bank, whose management team turned a blind eye to an indictable offence that brings with it a prison sentence of up to five years. We cannot imagine the level of embarrasment and humiliation when that reality was apparently released to all brokers across Canada who work under the banner of Verico Financial Group Inc., as suddenly one day, and throughout the next week, every one of them appeared to visit our website home page which contains a detailed synopsis of our story. We also know from being told directly through thank you emails and messages that at least fifty individuals and families steered away from Verico the Mortgage Station based on our reporting and evidence. Even counting just those 50, which based on statistics represents about five per cent of the true number, those diversions represent about $16,950,000 in mortgages, or about $169,500.00 in commission.
Gaining $250.00 to lose $169,500.00 is not good for the bottom line, and it will hardly convince new clients to do business with Verico the Mortgage Station, or their allies at Verico Financial Group Inc. or HomeEquity Bank.
The best comment from the past 600 days of reporting was not written by any member of our team, but came to us via carbon copy from a woman named Elizabeth who found our story while researching David Flude through whom she was recommended by a colleague to arrange a mortgage valued at $800,000.00 so she could buy a lakeside cottage. This is her final comment of a longer email, made just before she took her business and about $8,000.00 in commission to another broker.
"Mr. Flude. You truly must think people are stupid, and your explanation is insulting. After receiving your response, I read everything Ironside posted about you, and I watched all of his company's videos. His work is clean, well-produced, and professional, unlike your accusations that appear vacuous, unsupported, and offensive to the intelligence of other people. If he was what you claim he would not be putting his name on his work, and you would have sued him a long time ago as he openly taunts you to do more times than I could count. I even went back to watch some of his other videos. The man has credentials from work all over the world and he was selected for an award for altruism in Barrie. Nonetheless, you paint him as simply an agitator. You insult me sir as you do anybody to whom you tell that lie. You also fail to mention that those people he - agitated - all lost to his evidence and several were convicted or fined as criminals. That means he was right, and it is why you will not fight him in court. Have you watched any of the videos he has produced for the hundreds of charities that are not about your company? I doubt it, but I did. Not all 300 plus of them, but enough. He has worked with everybody from multiple mayors to the chiefs of police. That is one well-connected agitator. I once worked in the courts many years ago and clearly, your agitator is somebody who stands up as we all wish we could. I read through your cover story like you are stamped on tracing paper. As you can see, I have copied this email in full to your agitator and I am granting Mr. Ironside my consent to use it as he wishes. I think he is doing a damned good job exposing you and your agents and I would even be happy to chat with him on camera. I am ever so glad I found his reporting about your business. I will also be asking if he can recommend an honest broker. Do not insult me again by trying to whitewash your actions. I will advise my friend of what I have learned and I doubt they will be coming to you for any renewals. I admit I have been angered by your deceptive response as I do not like being lied to. I do not want to hear back from you again."
Yesterday afternoon, we were contacted through our Five Points Media Facebook page by the administrator of a Facebook group that focuses on mortgage and financing solutions. They requested we join and we complied, adding our name as Five Points Media. This was by no means the first time such a group or influencer has reached out to us, but what surprised us was the size of the group.
From the size of the membership, we would have thought this was a Taylor Swift fan page.
It has to be one of the biggest subject-specific groups on social media, and we were surprised we had not heard of it. What happened next was even more surprising, as within half an hour of our joining, we were contacted via direct messenger by one of the group's more established members, who was aware of our documentary and wanted to meet.
He identified himself as a mortgage broker working and living in Toronto who started his career in Innisfil, and guess where he used to work.
Of course, this could just be somebody with an axe to grind, and we told him so, but we don't feel that is the case. He says he still has contacts at brokerages that fly the flag of Verico Financial Group Inc. and also at the HomeEquity Bank. He said he was ok with being interviewed but asked that we conceal his identity as he feared reprisals considering what he wanted to expose. We agreed, as long as the subject signs off on the content of their interview, swearing the truth of their statements and claims. We are scheduling a time to meet this week or next.
We also see great value in membership within this group, as the number of members will greatly increase our reach and audience.
Membership in this group provides us with access to tens of thousands of professionals who have an interest in Mortgage and Financing Solutions, which will include the competitors of Verico the Mortgage Station, Verico Financial Group Inc., and the HomeEquity Bank.
This video, which is not one of ours, is a great example of why customer service is so important, especially in the service industry. The story is a bit cliché, but it is very relevant to our reporting, in that it is about an arrogant and self-absorbed service provider who shows phenomenal contempt for a customer, who they greatly underestimate, and the business ultimately pays a huge price for her actions.
Unlike this story, we are not hoping for a chance meeting, but are taking our story to the people directly through our website and social media.
The brokers of Verico the Mortgage Station thought they could just ignore their wrongdoing until we went away, but all they have accomplished is to make this story bigger. They have also wallowed in denial, convincing themselves that nobody is following us or nobody cares. Well, it is pretty obvious from the number of visits by various lenders, that people with real ethics care very much about how they are viewed by the public.
This video, which is not one of ours, is a great example of why customer service is so important, especially in the service industry. The story is a bit cliché but is very relevant to our reporting.
We can also say with a comfortable level of certainty that one of the principal players in this story is likely under pressure from above to make something happen, as their visits to our website have increased exponentially during the past few weeks. Of course, it is speculation, but it appears that they have figured out that whatever lies were told to them by the brokers at Verico the Mortgage Station to maintain their loyalty are simply not coming to fruition.
- The vacuous unsigned threats of civil action that were sent anonymously to our producer by the brokers at Verico the Mortgage Station that they lacked the courage to file with the court did not scare us or cause us to stop telling this story.
- Those purportedly 'ethical' brokers also seem to be having considerable difficulty finding a lawyer who will represent them in a proposed Strategic Litigation Against Public Participation (SLAPP) lawsuit, which is never a good indicator of honesty.
- They must also be thinking about the sudden increase in interest by mainstream media that could at any time expose the facts of this story to millions of potential customers and cause a media feeding frenzy. The results would be disgrace and humiliation for all involved, which would be online forever, like the contents of this website and our expose documentary.
- Then, there is the unsolicited assistance of a social media influencer (Latest News - January 12, 2024) and the anonymous search engine optimisation expert, who appears to be working for a competitor, and who is reaching a hell of a lot of people.
- Finally, there are the competitors to not only Verico the Mortgage Station but also Verico Financial Group Inc. and HomeEquity Bank, who are using our reporting to draw business from them to their business.
It is hard to imagine how much money these three businesses have cost themselves through lost opportunities during the past year and a half, and all because one broker at Verico the Mortgage Station decided to commit the indictable offence of usury, or loan sharking, to grift a little cash off a senior and veteran who she knew was not wealthy because he is a philanthropist he donates so much back to his community. This story would not exist if David Flude, the Principal Broker at Verico the Mortgage Station had held accountable his broker Renee Dadswell for her criminal actions, or if Mark Squire, President and Chief Operating Officer at Verico Financial Group Inc. or Yvonne Ziomecki-Fisher, Executive Vice President Marketing and Sales at HomeEquity Bank had simply stepped up when they learned about the fraud and had pressured the brokers at Verico the Mortgage Station to abide by the law and undertake their services ethically. They chose to ignore these criminal abuses of trust, and from reviewing our visitor logs we know exactly how many people now know what they did.
If we were one of the people or businesses not directly associated with the crimes committed, we would be looking for ways to pull away from this story if only to save our professional reputation.
We had a visit this morning from yet another lawyer or clerk, this time from the law firm of Taylor McCaffrey LLP, based in Winnipeg, Manitoba. At first glance, we thought the brokers of Verico the Mortgage Station or their allies at Verico Financial Group Inc. or HomeEquity Bank had been turned down by all the lawyers worth talking to in Ontario, but then we saw that Taylor McCaffrey LLP is a member of the District of Kenora Law Association, meaning they have some kind of an office from which they can work in Ontario.
Either way, begging for representation from a law firm based in Winnipeg seems a bit desperate.
Our records show this is the first time this law firm has visited the details of our expose documentary, which they viewed from Lorette, Manitoba. As has been the case of now a dozen or more legal professionals, they viewed one page, and so far one page only, which is on our Five Points Media website. It contains details about how our producer debunked false claims similar to those being made by Verico the Mortgage Station that were made by a lawyer representing a slumlord who through negligence and greed contributed to the death of a disabled man.
Begging for representation from a law firm based in Winnipeg seems a bit desperate.
As has been the case with several other legal visitors, the lawyer or clerk went no further.
We don't know if this representative of Taylor McCaffrey LLP will come back, or if they came to that specific page on our website at the request of the brokers at Verico the Mortgage Station or their allies at Verico Financial Group Inc. or HomeEquity Bank. However, that scenario seems most likely as although that page was extremely well read when it was first released on April 14, 2022, visitors to it slowed down, and then suddenly a lot of new interest has been generated during the past few weeks as the brokers at Verico the Mortgage Station turned to vacuous, anonymous, do-it-yourself threats of litigation that they have not dared to file with the court. They also apparently lack the courage required to come out from hiding long enough to sit down and chat with us on camera or through a without prejudice meeting. Either option would give them the chance to present their evidence and counter our claims.
We have even gone so far as to offer to stop production on this documentary and to remove all social media posts and this website if they can show us their unsupported claims of inaccuracies in our reporting.
It is not hard to understand why a lawyer would be reluctant to accept a retainer to litigate this case. The brokers at Verico the Mortgage Station did commit the indictable offence of usury, which carries with it a prison term of up to five years, and they did try to evade investigation by the Financial Services Regulatory Authority of Ontario (FSRA). That is all confirmed by solid tangible evidence. Somebody might have been able to 'motivate' a detective of the South Simcoe Police Service to omit evidence in the form of a bank statement and the Mortgage Funds Disbursement Record so they could manufacture cause to claim there was 'insufficient evidence', but that is not going to happen in a civil action where a Justice of the Superior Court is obligated to review all of the evidence and make a ruling that must be supported by the law and can be appealed. On top of that, the lawyer must be prepared to fight a self-represented litigant who has in the past defeated Strategic Litigation Against Public Participation (SLAPP) actions which is what any claim by the brokers at Verico the Mortgage Station would be since the true purpose would be to coerce or intimidate their target into silence and to conceal their crimes. Finally, the lawyer would have to do all that against a highly respected true philanthropist who during the past ten years has donated more than 350 videos valued at $700,000.00 to 180 local charities, not-for-profits, and benevolent community groups, and who was nominated and voted to the highest levels for an award recognising his altruism that was presented by the Greater Barrie Chamber of Commerce and the City of Barrie.
Keep in mind that the Mortgage Station claims sales of $5-6 million, yet they chose to skip the lawyer and send their threats through an anonymous, badly-written, do-it-yourself 'Notice of Libel'.
That amateur attempt at intimidation reveals that David Flude does not want to pay much to abuse the purpose of the courts in what he knows will be a vacuous attempt to intimidate his victim of fraud by usury from telling this story of his criminal abuses and those of his brokers. There is also now the stench of panic and perhaps abandonment in the air, as those who supported the brokers at Verico the Mortgage Station may now, finally, be seeing that they were conned and lied to. Any lawyer willing to take this case would demand at minimum a retainer of $20,000.00 to $50,000.00, and based on the evidence available, much of which is included here for all to see, and the litigation history of our producer, any ethical lawyer would tell their client they are most likely going to lose.
Back on January 22, 2024, on this Latest News page, we posted an update about a visit by mainstream media that appeared to be a flyby by a journalist, but then through a follow-up visit became a much more thorough review of our articles and videos involving multiple people at once. We are certainly not unhappy to report that late yesterday, they came back, and they spent quite a bit of time reviewing our newest article "The Givers, the Takers, and the Victims" and viewing several Latest News updates about our volunteer work helping the homeless community.
We also know they bookmarked the new page, meaning they likely want to come back when the video is completed and online.
It was a retired journalist associate who advised us to report more about how our charity work was scuttled by the manipulative actions of the brokers at Verico the Mortgage Station, as that is something a vast majority of our community can understand. Loan sharking is not likely to touch the lives of a lot of people. However, when parents learn that Billy won't be going to his special camp this year because funds could not be raised due to the actions of a corrupt business owner, or that the Food Bank is struggling because of lack of exposure caused by the unethical actions of a specific business; well, those personal events add much more human substance to the documented evidence of this expose documentary.
It will increase our audience while allowing us to remain faithful to our core goal of educating and protecting potentially vulnerable seniors.
Journalism is an odd profession, as it involves not only finding a story, but also a venue, the best means of presenting it, and fitting it into a very strict schedule around other stories. Then of course, there is always the risk of the story just ending and then they are left with nothing. Time will tell where this goes.
The human suffering and denial of essential services brought about by greed and fraud, which has always been part of our expose documentary, seems to be of particular interest to those who can reach and warn millions of Canadians.
We have been seeing an increase in traffic, and more visits by mainstream media of various stripes and affiliations, so we have decided to take on the somewhat labour-intensive task of updating all of our stories in order to maintain consistency and improve search engine optimization. We started reporting on this story on June 18, 2022, so more than 18 months ago, and during that time, new events and occurrences, not to mention information attained through interviews, sometimes skewed the angle or enhanced past statements.
Doing this will also enable us to generate better crosslinking from the old articles to the new, which will make it easier for visitors to find the truth.
To the best of our knowledge, no false statements have been made, but if we were wrong about something we will correct it. We have offered the brokers at Verico the Mortgage Station and their allies at Verico Financial Group Inc. and HomeEquity Bank the opportunity to provide feedback, to be interviewed, or to meet on a without prejudice basis to discuss our content. They have chosen instead to hide from scrutiny and anonymously threaten us with legal action that they apparently abandoned after realising they cannot support their threats in court.
We currently have 39 pages and will no doubt soon have more.
By cross-linking all of them and enhancing our SEO we will greatly increase our audience.
The Givers, the Takers, and the Victims - Verico the Mortgage Station
We posted this story a few days ago, but didn't like the flow. So, we rewrote it and will soon be posting and boosting the video across Ontario. View the full story here..
How deeply does a person need to bury their morality to justify cheating seniors and veterans, or to grift resources from local charities? Likewise, what is missing ethically from any person who enables such behaviour?
In Simcoe County, the façade of ethics that has been projected by the brokers at Verico the Mortgage Station is being stripped by public exposure, and their criminal-level breaches of trust are dragging their brand and reputation through a cesspool, along with those of their closest allies at Verico Financial Group Inc. and HomeEquity Bank.
Now, their fully documented crime of usury, or loan sharking, is the subject of an expose documentary that will be broadcast across Canada and on streaming services. The intent is to warn potentially vulnerable seniors from across Canada who are drawn to the brokerages of the Verico Financial Group Inc. to obtain a CHIP Reverse Mortgage from the HomeEquity Bank.
Also being investigated is the decision by detectives and the top brass at the South Simcoe Police Service to ignore for a full year the crimes committed by the wealthy and locally influential brokers, and then to arbitrarily omit key bank and mortgage financial records as evidence so they could protect the wealthy brokers and their multi-million and multi-billion-dollar allies.
That issue has been temporarily set aside by the Office of the Independent Police Review Director and is now being redirected for review by the Divisional Court. Once the truth is exposed through the presentation instead of omission of evidence, the less than thorough whitewash by detectives of the South Simcoe Police Service will most likely be reassessed by the less easily 'motivated' detectives of the Ontario Provincial Police Financial Crimes Division.
To better understand this story, we recommend reviewing the synopsis at www.themortgagestation.tv
Stealing resources from our most vulnerable.
Taking money meant to help sick kids.
Depriving our society's most vulnerable.
Helping themselves to hurt those in need.
The stolen funds enabled us to promote dog and cat rescues.
Taking what little people have to fulfil their greed.
Are they completely devoid of any moral compass?
How low will they go?
Just how low will the brokers at Verico the Mortgage Station sink, while dragging along their allies at Verico Financial Group Inc. and HomeEquity Bank?
This past weekend, we received an invitation from a woman representing a Canada-wide social network of charities and grassroots organisations that are working together to end poverty across our country. They have a collective following much larger than ours, and we gratefully accepted their offer of association through which they will promote our expose documentary about the breach of trust and fraud by usury that was committed by the brokers of Verico the Mortgage Station and how their allies at Verico Financial Group Inc. and HomeEquity Bank chose to ignore the evidence of fraud against a senior client.
They also asked why we are pursuing this story.
This picture, taken yesterday, says a lot about our motivation. These people, who have nothing, work together to improve the value of life for others living in their ragtag community. In sharp contrast, the supposedly 'ethical' brokers at Verico the Mortgage Station stole from their client, a senior and veteran, through loan sharking. Then they lied at a pathological level to evade scrutiny by the Financial Services Regulatory Authority of Ontario (FSRA), and they either directly or through influence 'motivated' the police to omit key evidence that would prove the criminality of their actions. They have also adamantly refused to accept responsibility for their actions or to make amends for their ethical offences.
It is also a reality that many unsheltered people lost their homes because the bank or mortgage company refused to work with them and foreclosed on their property after they lost a job or got sick. Why do they deserve to live 15 years less than those who are properly housed?
Homeless people living in a trash pile fighting to survive and facing death every single day have demonstrated more genuine class, honour, and humanity than has been faked by these 'ethical professionals'.
We know this post is hard to read, so we are including below the content from the original post. We deleted the name of the benevolent organiser of the group because the brokers of Verico the Mortgage Station have already threatened to sue the young people who work with our producer to help the community, and we don't want to add fuel to any more of David Flude's misguided and delusional plans to silence the truth:
"Tonight, our producer, John, went on another outreach with Ryan's Hope founder Christine W--- N-----, to deliver hot food, water, and various snacks to our growing homeless population. At one location, which we will not disclose, several people struggling through this reality were bivouacked in an ice fishing hut that had been made available by the volunteer organisation. It stood out like a beacon in an environment that was truly not fit for human occupation. We need to support the unsheltered members of our community, and not judge how they ended up where they are. There are a lot of cases of mental health issues that have not been addressed by any level of our government, and many lost everything due to the greed of landlords during the pandemic. Nobody has the right to judge until they find themselves in this unimaginable situation."
We apologize for being away for a few days and not posting any updates. Thank you to those who contacted us looking for updates or to provide information. As you will see, nothing is wrong, and all that happened is we got a little overwhelmed with some community work.
If you have never cooked this much bacon you cannot imagine the smell, or the effect on our studio dogs ;-)
Our most recent article, "The Givers, the Takers, and the Victims - Verico the Mortgage Station" has brought in considerable traffic, and it has raised questions from several of our followers. All we can say about the video is it will be online soon and will be boosted across Ontario. We are also editing the content of the article to sharpen the message. We hope to have that done today.
The images were created by a new AI tool that has been made available to us, and none of the art is intended to depict any specific person.
One issue raised by "The Givers, the Takers, and the Victims - Verico the Mortgage Station" is the polarized nature of the two sides of this story, and what has become obvious about their morals and ethics. While our crew openly stand in the light, the brokers at Verico the Mortgage Station and their allies at Verico Financial Group Inc. and HomeEquity Bank hide in the darkness. While we have offered repeatedly to meet to ensure accurate reporting, they slapped together a Do-It-Yourself threat of legal action that they sent anonymously from a generic email address, but which they have not shown the courage to file with the court.
The Mortgage Station reports earnings of between five and six million dollars a year, but apparently, they can't find a lawyer who is willing to represent them.
This attitude of evasion runs much deeper than even those articles can explain, as for the past month our various websites and social media pages have been the subject of great interest not only to a wide range of lawyers but also several American companies that have viewed just about every one of the 350+ community videos that we have produced and donated to more than 180 different local charities, not-for-profits and benevolent community groups, valued at more than $700,000.00, that are credited with helping to raise hundreds of thousands of dollars for those in need. Those visitors came from Chicago Illinois, Quincy Washington, Los Angeles California, Cheyenne Wyoming, San Antonio Texas, Chandler Arizona, and Tappahannock and Ashburn Virginia. The visitor from Tappahannock, a town of only 2,500 people, is now one of our biggest overall viewers, as they are methodically going through every video we have ever produced for any local charities, not-for-profits and benevolent community groups, as well as other benign pages like our privacy policy and testimonials. By ten o'clock this morning, we had been visited eleven times on our Big Blue Box Studio Facebook page, which only has a dozen followers, and is really just a place to post pictures of our studio dogs.
Well, this weekend, while the brokers at Verico the Mortgage Station and/or their allies at Verico Financial Group Inc. and HomeEquity Bank spent likely a lot of money to gather 'intel' that means nothing and will not help them escape from their wrongdoing, that they apparently feel they need so they can try to escape from the truth of their ethical breaches of trust and criminal offence of usury, our producer spent six hours cooking 325 pieces of bacon that were served to more than a hundred people from the homeless community, and also families who are struggling to afford food. Then, he spent another six hours helping out at the community breakfasts.
Does anybody truly not understand why support for our reporting is growing so rapidly, or why mainstream media is showing renewed interest in this David and Goliath story of community giving versus corporate greed?
Our new biggest fans from Tappahannock, Virginia, population 2,500 (Latest News, January 22, 2024), continue to peruse the content of our fully donated services that have been provided by our crew since 2014 in the form of 350+ videos donated to greater than 180 charities, not-for-profits, and benevolent community groups, valued at more than $700,000.00. We can only guess that they are working for Verico the Mortgage Station, Verico Financial Group Inc., or HomeEquity Bank, on assignment to try to find some kind of dirt or ulterior motive for our commitment to the seniors of our community.
If so, good luck with that, because, sadly for them, we are exactly who we appear to be.
The only other viable option is that these visitors, who are now using multiple IP addresses at the same time to peruse our work, are doing research for the American media company that reached out to us last week, but whose support we declined as their network is not known for honesty or integrity. We also don't like who they support for the US Presidency. It would be easier for them if we cooperated, but they can post a story based on their own research.
That is true of anybody who has an interest and access to our videos.
As far as we are aware, Five Points Media is the only not-for-profit social enterprise media company of its kind, which could have piqued the interest of a third party who found us through the services of the Social Media Influencer who pushed our story to 100,000 American and Canadian followers (Latest News - January 12, 2024). Whoever they are, as can be seen by the times of the visits, they are watching the full content of our videos, which suggests they are looking for an angle.
Today, we quite effectively quadrupled our placement on Google. It will not happen today, but soon enough. What we did was install forwarding scripts from the original stories on the Five Points Media website that automatically forward visitors to the corresponding new page on themortgagestation.tv.
The trick we used to increase our reach is to add a five-second delay.
That stall is not so long as to annoy readers, but not so short that Google and the other search engines will not be able to scan the page. Then those search utilities will also be forwarded to the new page for each subject covered, so that the spiders and robots that now scan the original website on a very frequent basis will find and review the new content.
People will still go to the old pages as they are found by Google and the other search engines but will then automatically find the new domain at themortgagestation.tv.
Today, we quite effectively quadrupled our placement on Google.
We also updated all the buttons on the old home page, so if for some reason the visitor is not automatically forwarded, any action taken by them to reach a specific page will take them to the appropriate page on the new domain.
That accounts for a doubling of our online footprint, but how are we quadrupling the reach?
All our videos are on YouTube, which is owned by Google. Each post on YouTube includes the URL address of where the video is posted on the Five Points Media website. We know this form of cross-referencing is effective, because we can see how many people visit our stories from YouTube and where they go from the original link. Now we are going to expand the URL references on YouTube to include first the new address, and then the old. We are also considering uploading all our videos to other online video services like Vimeo, and give those posts the same SEO treatment to further extend our reach, so we can forewarn more potentially vulnerable seniors and the family members who care for them.
Since Google owns YouTube, it is in their own best interests to ensure video addresses are refreshed, which they have done consistently in the past which is why our videos rank so high.
We will now be updating the SEO on the videos as we did on the new website. We were going to do that a few weeks ago but decided on the advice of our anonymous SEO expert to wait until their work in promoting the pages on themortgagestation.tv proved successful. We are happy to say that is now the reality, which is why we chose to forward the original pages to the new website at this time.
It is hard to believe, but it is a well-documented fact that few of Adolf Hitler's Nazi officers or men, or those who served under Benito Mussolini, ever thought of themselves as being the bad guys. In fact, most stood proudly in defence of the horrors they had committed against innocent people while they stood in the docket at the Nuremberg Trials being judged by men of greater character. The same can be said for those who served more recently under Slobodan Milosevic of Serbia, or Donald Trump, the former President of the United States who now faces 91 charges in four jurisdictions brought about by as many indictments.
It was people who did not suffer from that shared narcissistic sense of entitlement and belief of being exceptional individuals who held them accountable.
Psychologically, people associate bad behaviour with shame and contempt, and they view goodness with correctness and pride. Very few people are strong enough morally to be comfortable with the idea that they are personally acting badly, especially with regards to those they have promised to serve ethically. This is why many evil people try to justify or rationalise their unethical actions, and often seem to sincerely believe that they are good despite their actions. These people lack the moral compass needed to accurately access their actions. They just accept that taking money illegally from somebody who, for example, is personally financing a charitable cause, is acceptable to do. Then, if confronted, they dig in their heels and demand that what they are doing, which they validate as something like 'making money for their family', justifies stealing from the neediest people in our community. However, in truth, they know what they are doing is wrong, because they are not willing to support their claims in any venue of neutral judgement.
It is no different than robbing a homeless person so they can buy a big screen TV for their home.
For reasons few understand, others are pulled into this manufactured 'us and them' twisted morality, which is what caused the rise of the Nazis, and more recently the Trump MAGA movement.
When you defraud a senior and veteran by loan sharking who you know personally finances a not-for-profit service that exists to help those in the most need, and then you ignore the harm you have done and try everything under the sun to deny your accountability including threatening to abuse the true purpose of civil litigation just to prevent that person from telling others, and you 'motivate' police officers to omit and ignore evidence, you are by definition the bad guys. If you can't see that, you need to reassess your morals and ethics.
Then, as the hole in their morality is cut deeper, those otherwise uninvolved or innocent people, who are often misled by lies and manipulation, start justifying bigger and more morally bankrupt actions just so they can evade responsibility for what they have already done. Then, when those plots fail, they go along with the claim that it is the fault of the person who they cheated, but who will not yield to intimidation or let them get away with the crimes and immoral abuses they have already committed Therefore, they must stand together in order to defeat the person whose money they stole that started the battle.
Very few people have the moral character to pull away from others who are controlled as they have been, and through their own strength of character do the right thing.
Today, the homepage on Five Points Media was visited by Menlo Security Inc., a California based cyber security company that is reported to have earned $75.3 million in 2023. We were visited by the Chicago office, or through a secure remote Internet access point. The purpose of their visit is unknown, but it would be a logical step that if the perpetrators of crimes cannot find a lawyer who will help them to abuse the law, and they are desperate to keep their secrets from the public, they could be considering hiring somebody who might know how to take down the website of a small not-for-profit community media company that exists to help those in need.
We are not making accusations, but merely surmising a viable scenario.
The directors of both Verico Financial Group Inc. and HomeEquity Bank know there is a crack in their wall that is getting bigger with time. Despite their shared period of chronic denial, which lasted for eighteen months and served only to make this story bigger, they now know that we are reaching more people every week with details about the crimes committed by the brokers at Verico the Mortgage Station and how the two larger corporations have worked to help them evade responsibility.
Now, mainstream media is showing interest on both sides of the border, and at least one social media influencer is helping to spread the truth.
We don't think it is a coincidence that the new interest from American visitors happened immediately after a prominent American network, that we will not work with, reached out wanting to tell our story. There is a lot of US research being done currently, and if it is not being done for the brokers at Verico the Mortgage Station or their allies at Verico Financial Group Inc. and/or the HomeEquity Bank, then it seems likely the US network is going ahead with the story without us.
The directors of both Verico Financial Group Inc. and HomeEquity Bank know there is a crack in their wall that is getting bigger with time.
You don't often catch us sharing the gospel, but in Proverbs 16:18 it is said: "Pride goeth before destruction, and a haughty spirit before a fall."The phrase then transformed over time to the shorter and more commonly known version of "pride comes before a fall."
The saying translates in today's Internet driven world to "the fool who cannot accept responsibility for their actions will reap losses due to public exposure."
During the past day, our website has been the subject of interest to people in Chicago Illinois, Quincy Washington, Los Angeles California, Cheyenne Wyoming, San Antonio Texas, Chandler Arizona, and Tappahannock and Ashburn Virginia. The visitor from Tappahannock, a town of only 2,500 people, is now one of our biggest overall viewers, as they are methodically going through every video we have ever produced for any and all local charities, not-for-profits and benevolent community groups, as well as other benign pages like our privacy policy and testimonials.
Why would anybody in any of these American cities suddenly care about the programs produced by a small, not-for-profit media company in Ontario?
These visitors reviewed, for the most part, only the community videos on the Five Points Media website that we produced in support of those in the greatest need. It could not be more obvious that they are trying to find something . . . anything . . . to possibly counter the truth that we have provided more than 350 fully donated videos to more than 180 local charities, not-for-profits, and benevolent community groups, and that the value of our commitment to those most in need exceeds $700,000.00. Then, there is that annoying award for altruism presented by the City of Barrie and the Chamber of Commerce for which our team was nominated during the peak of the pandemic, in 2020, and voted to the highest levels.
How much money are the brokers at Verico the Mortgage Station or their allies at Verico Financial Group Inc. and HomeEquity Bank spending in the hopes of finding something . . . anything to deflect from their actions?
Apparently, the brokers at Verico the Mortgage Station and/or their allies at Verico Financial Group Inc. and HomeEquity Bank believe people are stupid. However, the email from Elizabeth, a client lost to David Flude due to our reporting who came to him through a referral shows, as do the emails and messages we are receiving from other potential clients for all three businesses, that people see the lies told by the multi-million and multi-billion-dollar companies, and that they are clearly afraid of a small not-for-profit community channel. Although threats of civil action have been made, albeit by an anonymous person claiming to represent Verico the Mortgage Station, that action came about only after eighteen months of hiding failed to brush us off and after we had reached out to the lenders who provide the funding for the mortgages brokered by all agents of Verico Financial Group Inc.
Still, as of the time frame shown in the clock below, no action has been taken.
How much money are the brokers at Verico the Mortgage Station or their allies at Verico Financial Group Inc. and HomeEquity Bank spending in the hopes of finding something . . . anything to deflect from their actions?
Let's not forget how the anonymous issuer of threats who sent the unsigned 'Notice of Slander and Libel' clearly thought they had something on our producer when he went on for a page and a half about how a well-known Conservative Justice of the Superior Court did not issue an order of costs against a vexatious litigant after a video produced openly by our team caused the defeat of the incumbent Conservative candidate during a provincial election when our producer was working for a rival candidate. It is also a fact that the libelous litigant was labelled by the court as being "impecunious", which translates to "having little or no money". The bashful bully, who we can only suggest was David Flude, also failed to acknowledge that less than a month later, a different and less politically motivated Justice of the Superior Court clearly sided with our producer, and ordered $5000.00 in costs after a motion for contempt was successfully argued against the same vexatious litigant.
That kind of desperate cherry picking is the tactic of somebody who knows they have nothing to stand on, and who hopes that if they throw enough spaghetti at the wall or money at the issue it will just go away.
Sadly, for these confused confidents, during the same day as the voyeuristic visits by the apparent American agents, we were also visited by a true plethora of Canadian visitors, who focused their attention on our stories of loan sharking by the brokers at Verico the Mortgage Station and the attempts by them to cover over the crimes with the apparent blessings and assistance of the management teams of Verico Financial Group Inc. and HomeEquity Bank. Many of them stayed with us for more than an hour to watch videos and read articles, which will likely have a detrimental effect on the bottom line of other innocent brokers who fily the flag of Verico Financial Group Inc., as they came from Ottawa, Peterborough, Quebec City, Montreal, Edmonton, Vancouver, Moose Jaw, Melville, Regina, St. John's, Mahone Bay, New Glasgow, Mount Pearl, Fredericton, Moncton, Dieppe, Brandon, and about twenty others cities and towns spanning our nation. Locally, they came from Barrie, Alliston, Markham, Toronto, Burlington, Ajax, Newmarket, Collingwood, Pickering, Orillia, Aurora, Oshawa, and various other towns and villages that make up Simcoe County.
The guilty can wallow in denial, but one day the reality will hit them, and they will have little choice but to explain themselves on camera, to their boss or investors, or in a court of law.
A few days ago, we reported (Latest News - January 20, 2024) how somebody from the Chicago-based international law firm of Mayer Brown LLP was visiting our story, with a focus on the Five Points Media website. They showed particular interest in the story "Slumlord Threatens To Sue for Defamation Through Obvious SLAPP Civil Action, 2022", published April 14, 2022, in which we reported how we defeated the threat of Strategic Litigation Against Public Participation (SLAPP) abusive litigation before the action was even taken. They also showed interest in our story "The Back Story of Our Investigative Journalism"which outlines our history in international and local investigative journalism, and details of the various threats that we have deflected after unscrupulous lawyers thought they could threaten us not to expose the wrongdoing of their clients.
And then . . . they were gone.
As has apparently been the case regarding several other Ontario-based lawyers and law firms who have visited our reports and focused mostly on those stories, the presumably ethical lawyers of Mayer Brown LLP simply disappeared.
And then . . . they were gone.
It speaks volumes about the validity of your claims when you can't find an ethical lawyer who will accept your retainer to represent you no matter how much they charge per hour.
Yes, we are speculating, and we freely admit it. However, logic supports our analysis of these events. Why would a prestigious international law firm spend several hours reviewing our history, and then cut and run never to return? Could it be that they see the true nature and intent of the anonymously threatened claims of libel and slander? Could it be concern for their professional image as during a similar successful evidence-driven defence against a similar past attempt to silence the truth through a Strategic Litigation Against Public Participation (SLAPP) lawsuit, our producer caused the sudden termination of a prominent up-and-coming lawyer at the prestigious Bay Street law firm McCague Borlack LLP? Finally, could it be concern for being seen as the lawyer who tried to bulldoze a benevolent not-for-profit community channel that has a lot of public support and respect for having donated hundreds of thousands of dollars in services to a multitude of charities and community groups?
It is very strange that including the amateur anonymous threat of civil action, no lawyer has been involved in this matter, even though it seems likely to be moving on to national media exposure.
Toxic ego is defined as: "At its core, ego is the sense of self-importance that we all possess. While some level of ego is healthy and necessary, an unchecked ego can lead to arrogance, entitlement, and a belief that one is above reproach. When left unchecked, this can lead to toxic leadership."
We can't think of a better example than this story.
Eighteen months ago, David Flude, the Principal Broker of a small-town mortgage brokerage was confronted with the reality and evidence that one of his brokers, Renee Dadswell, with the assistance of another, Lisa Purchase, had defrauded a client by usury, also known as loan sharking. At that time, the issue was $450.00 in unethically and illegally skimmed money, and it could have been handled over a cup of coffee with an apology and the return of the stolen sums.
Most people don't choose to burn down their house because they broke a window.
Instead of stepping up and taking responsibility, David Flude hid and refused to meet. He also lied profusely, making six deliberately misleading statements in two emails, while defying the regulatory requirements of government oversight at the Financial Services Regulatory Authority of Ontario (FSRA). Then, the brokers at Verico the Mortgage Station and their allies at Verico Financial Group Inc. and the HomeEquity Bank tried to ignore it, to bury it, to wait it out, and to 'motivate' the assistance of the South Simcoe Police Service. After all, nobody would be bold or frankly crazy enough to go public with how their detectives omitted real evidence and faked the math to protect the loan sharks from prosecution.
Now, as a direct result of their decisions, it appears that this ongoing obsession with self-inflicted wounds is about to become national news, to be exposed to millions of Canadian home owners.
Like lemmings, the management teams at Verico Financial Group Inc. and the HomeEquity Bank have blindly followed the lead of a man who has been shown to lie like most people breath, and who has shown repeatedly he will always put his best interests ahead of all others, including his corporate allies and other brokers working under the Verico banner.
That exposure will humiliate not only those three corporations, but also the South Simcoe Police Service and even the Simcoe County Council who were made aware but collectively chose to do nothing. We cannot fathom the potential harm that will be done to the brands and bottom lines of Verico the Mortgage Station and their allies at Verico Financial Group Inc. and the HomeEquity Bank, nor to the reputations of all involved parties. They have had eighteen months and been given multiple opportunities to step up like the honourable professionals they profess to be, but they have collectively chosen to follow a self-destructive path of exposure and humiliation.
They had to see this train coming, as we did, and so did the 97% of followers of this story who have shown us support through comments, messages, and bad reviews on the Mortgage Station social media.
They chose to ignore the crime, to arrogantly try to supress it, and they even went so far as to anonymously threaten us with civil action for exposing their criminal activities. Obviously that lame and illegal attempt at intimidation failed. What they have never tried is accountability and civility. They are all dealing with a client, from whom they have earned income, and they all know the crime of usury was committed as they each have unredacted copies of the bank statement and mortgage Funds Disbursement Record that proves it. Not once has any of these 'ethical' and 'honourable' corporate suits ever considered just picking up the phone or sending an email trying to resolve the matter peacefully and to the satisfaction of both parties. Now, as a direct result of their own actions, they face a potential firestorm of media coverage, as in addition to the visits by a national Canadian media conglomerate (Latest News, January 22, 2024), we also have interest from a social media influencer (Latest News, January 12, 2024), and we were offered exposure by a US network that we declined due to the network's political bias and reputation for dishonesty.
Albert Einstein, one of the greatest minds ever known, said it best when he noted:
"Insanity is doing the same thing over and over and expecting different results."
Our new friend from the Canadian mainstream media conglomerate returned this afternoon, and he or she brought some friends. Three people using separate internal IP addresses worked individually, and apparently as teams, with two or sometimes three researching the same article at the same time. From our producer's experience, this would suggest the initial journalist, a program producer, and likely a research assistant.
This may sound like a lot, but it is often how teams work together on multifaceted projects like our story.
One researcher seemed to hold a particular interest in the stories about how the detectives of the South Simcoe Police Service whitewashed their first investigation before just omitting banking and mortgage documentation that by itself would prove the indictable offence of usury, or loan sharking. Then they downloaded our producer's complaint to the Office of the Independent Police Review Director that will most likely be investigated by the Ontario Provincial Police Financial Crimes Division. Meanwhile, another focused on the crimes of the brokers of Verico the Mortgage Station and the attempts at cover up by the management teams of Verico Financial Group Inc. and the HomeEquity Bank. The third spent their time focused on us, reviewing our contributions to the charities and benevolent groups in our community and reviewing details of the 2020 award for altruism to which we were voted to the highest levels.
Clearly, the green light has been given for the research to continue with such fervour.
Tomorrow, we will update the lenders who arrange the financing for the brokers at Verico the Mortgage Station to further update them that they may be contacted by this media group in search of an explanation as to why they continued to do business with unscrupulous people who they know committed the crime of usury, or loan sharking against a senior and veteran.
Let's see how the brokers of Verico the Mortgage Station and the management teams of Verico Financial Group Inc. and HomeEquity Bank do when trying to hide from these guys, and it will be interesting to see if they threaten the big guns with an unethical SLAPP lawsuit through an anonymous 'Notice' they did not have the courage to sign.
We think the truth is about to hit the fan.
Once the report is confirmed, we will provide all evidence and details to Mark White, the CEO of the Financial Services Regulatory Authority of Ontario (FSRA), demanding a proper investigation. As the story will be public, and backed by the research of the mainstream media network, it will not be so easy for the brokers of Verico the Mortgage Station and their affluent allies at Verico Financial Group Inc. and the HomeEquity Bank to use their financial influence to simply brush the crimes aside as was done by the 'motivated' detectives of the South Simcoe Police Service. It is also a fact that our allegations regarding their actions have been online for about six months, but no representative of the South Simcoe Police Service has in any way contested our allegations regarding the omission of evidence by their detective.
This is the major metropolis known as Tappahannock, Virginia, population around 2,500. From the maps found on Google Earth, it appears to be a feeder town for Richmond, Virginia, which we have at least heard of. So, why are we talking about this quaint little hamlet that straddles the shores of the Rappahannock tributary to the Chesapeake Bay?
Well, somebody down there likes us, and we mean they really, really like us.
According to Wikipedia, 'Tappahannock is primarily known for outdoor activities, premiere shopping, and savory destinations with an array of unique lodging choices.' It sounds lovely, however, at least one of the residents of this village near West Point is spending a truly impressive amount of time on their computer watching dozens of our community videos, one after another, and for the most part from beginning to end. The only thing we can think of, and it is purely a guess, is that somebody has hired them to confirm or refute the validity of our journalistic status. We hope they enjoyed the show.
Tappahannock, Virginia, population around 2,500.
Why else would somebody from a tiny village in Virginia be so interested in the stories of a small not-for-profit community channel based in Barrie, Ontario?
At first, we thought it was a random visitor brought to us by the social media influencer (Latest News, January 12, 2024), but frankly that does not make a lot of sense. This person is methodically viewing all our videos, and only those on our Five Points Media website, in no apparent specific order, other than maybe by date but only partially. They have also only been viewing our community programming and have so far shown no interest in our story of fraud by usury as was committed by the brokers at Verico the Mortgage Station and was selectively ignored by the management teams of both Verico Financial Group Inc. and the HomeEquity Bank. Perhaps it is another American journalist like the network producer who reached out to us, but whose offer we have declined as we do not want to be associated with THAT network.
We freely admit we do not know the motives of these visits, but we welcome our mysterious American visitors to view all of our content at their leisure.
It looks like our producer will very soon be telling his story and promoting our documentary to a much larger audience. On Saturday, January 20, 2024, we welcomed a visitor from one of Canada's largest media conglomerates who stayed long enough to read our new synopsis and watch the video "Lies, Manipulation, and Loansharking". Then, a couple of hours later, another visitor came from the same named server but a slightly different internal IP address, and they reviewed the homepage for close to fifteen minutes. Then, yesterday, the first visitor came back for a full meal of our allegations and evidence, viewing 26 pages and watching essentially all our videos.
Some would argue that it was inevitable considering the amount of content we have posted, and how many people we are now reaching.
Our producer has worked in news on both sides of the Atlantic, and this pattern is all too common. A journalist found our story, likely because of the social media influencer (This Latest News page, January 12, 2024), and then forwarded some details to their assignment editor, who viewed our content and cleared the journalist to invest the broadcaster's time and resources to conduct a deeper dive to produce an in-depth story.
People don't like it when entrusted 'professionals' defraud seniors and veterans, and then hide for eighteen months while head office and the lending bank turn a blind eye.
We backtracked the IP address and based on the studio out of which they are working, it seems very likely the reporter or producer is linked to a well-known in-depth news program.
We don't know how long the brokers at Verico the Mortgage Station and their allies at Verico Financial Group Inc. and HomeEquity Bank thought they could just lay low and ignore this serious issue of trust and ethics, but apparently, they hoped it would just go away. Regardless, as has been the case since our producer first notified David Flude about the fraud by usury that was committed by Renee Dadswell with the assistance of Lisa Purchase, all waiting, stalling, and procrastinating has accomplished is to increase our audience and further our reach. These supposed financial professionals could have and should have dealt with this matter months ago, and it is their actions, or lack of, that has caused it to grow. Like the guard in the Austin Powers steamroller scene, they froze in the headlights of scrutiny. Regardless of the reason, they have never contested our allegations, nor tried to refute our evidence, and when the pressure was put on them, presumably by the lenders, they sent a lame, DIY threat of civil litigation which has not been acted upon, that was so full of holes we think it was sent from a cheese factory in Switzerland.
We have seen a lot of traffic on our story from visitors based across the province who certainly seem to be lawyers, just from what they viewed, but no action has been taken.
South of our border, the past attorneys of former President Donald Trump are learning what happens when lawyers abuse the law, as one after another is being censured or disbarred for abusing their ethics. It is also a fact that because of his successful evidence-driven defence against a similar past attempt to silence the truth through a Strategic Litigation Against Public Participation (SLAPP) lawsuit, our producer caused the sudden termination of a prominent up-and-coming lawyer at the prestigious Bay Street law firm McCague Borlack LLP. Any competent lawyer knows that if they accept a retainer in this matter, the true purpose of their services would be to silence the victim of crime who is seeking exposure of those who defrauded him in order to protect other potential victims from those same unethical and illegal practices. Such abusive action by a lawyer would be illegal, unethical, and likely grounds for censure. Of course, we do not know for sure, but the complete and total lack of involvement by lawyers representing the brokers at Verico the Mortgage Station and their allies at Verico Financial Group Inc. and HomeEquity Bank would suggest that they cannot find ethical legal counsel who will accept their retainer to further abuse the rights of the senior and veteran they defrauded.
If that is true, this story will become a feeding frenzy for mainstream media.
This is what is supposed to happen when wise management of a business that serves the public realizes they made a mistake. You don't see any huff, puff, and bluff, or anybody ignoring the issue, or hiding for months at a time, or sending lame anonymous threats to sue the media for telling the truth.
The marketing professionals at Loblaws know that seniors are a large part of their business, and the last thing they want is to be seen to not care about them.
The story we are reporting, about how the brokers at Verico the Mortgage Station defrauded a senior and veteran through loan sharking, would be a much deeper issue for most seniors than three and a half dollars off a salad, and especially so if they have a CHIP Reverse Mortgage from HomeEquity Bank. Our issue is about brokers, who are entrusted and licensed by the province, cheating those they have claimed to serve, and their brand holder and the banks they deal with turning a blind eye.
Throw into that mix that the victim of this fraud by loan sharking runs a self-financed not-for-profit that exists to serve the community, and suddenly mainstream media has a story.
We were not surprised when the American network reached out to do a story on our expose documentary that due to the isolationist philosophies of the management team at Verico Financial Group Inc. has been caused to grow from a simple apology and remuneration into a David and Goliath tale of corporate fraud and indifference to the law. It also did not surprise us when the social media influencer chose to help us by spreading our story to their 100,000 followers (This Latest News page, January 12, 2024).
The decision by the company to revert to the more popular policy cost them nothing when compared to the growing bad public relations.
Smart businesspeople today know that a forest fire on the Internet is lit by a single match.
We remind our readers, the brokers at Verico the Mortgage Station, and the boards of directors of Verico Financial Group Inc. and HomeEquity Bank, of the response by Elizabeth, a potential client, when on October 26, 2023, she tore into David Flude regarding what she clearly saw as deliberate deception on his part:
"Mr. Flude. You truly must think people are stupid, and your explanation is insulting. After receiving your response I read everything Ironside posted about you and I watched all of his company's videos. His work is clean well produced and professional, unlike your accusations that appear vacuous unsupported and offensive to the intelligence of other people. If he was what you claim he would not be putting his name on his work, and you would have sued him a long time ago as he openly taunts you to do more times than I could count. I even went back to watch some of his other videos. The man has credentials from work all over the world and he was selected for an award for altruism in Barrie. nonetheless, you paint him as simply an agitator. You insult me sir as you do anybody to whom you tell that lie. You also fail to mention that those people he - agitated - all lost to his eviednce and several were convicted or fined as criminals. That means he was right, and it is why you will not fight him in court.. Have you watched any of the videos he has produced for the hundreds of charities that are not about your company? I doubt it, but I did. Not all 300 plus of them, but enough. He has worked with everybody from multiple mayors to the chiefs of police. That is one well-connected agitator. I once worked in the courts many years ago and clearly, your agitator is somebody who stands up as we all wish we could. I read through your cover story like you are stamped on tracing paper. As you can see I have copied this email in full to your agitator and i am granting Mr. Ironside my consent to use it as he wishes. I think he is doing a damned good job exposing you and your agents and I would even be happy to chat with him on camera. I am ever so glad I found his reporting about your business. I will also be asking if he can recommend an honest broker. Do not insult me again by trying to whitewash your actions. I will advise my friend of what I have learned and I doubt they will be coming to you for any renewals. i admit I have been angered by your deceptive response as i do not like being lied to. I do not want to hear back from you again." E.
You can fool some of the people some of the time, but not all the people all of the time.
This morning, bright and early, our website was visited by somebody from Mayer Brown LLP, a $1.858 billion dollar a year law firm that operates offices in various cities around the world, mostly in the US. This visitor was apparently based in Chicago. We know who it was because they made no attempt to disguise themselves, and we could clearly see the name of their server as Mayer Brown LLP. According to Wikipedia, "Mayer Brown is a global white-shoe law firm, founded in Chicago, Illinois, United States. It has offices in 27 cities throughout the Americas, Asia, Europe, and the Middle East, with its largest offices being in Chicago, Washington, D.C., New York City, Hong Kong, and London."
Nothing shows strength and confidence like needing the 8th Marine Regiment to take out a benevolent not-for-profit that exists to help its community.
The early bird visitor came to our website at 5:11 this morning our time, which is 4:11 in Chicago, and their last page access occurred at 7:47 am our time, or 6:47 in the windy city. According to the stats we found on Mayer Brown LLP, their lawyers average $999,000.00 in billable hours per year. Based on a full-time schedule of 40 hours a week, their average billable hourly rate is $480.28 per hour US, or $646.20 Canadian. Given the hour, the visitor was likely accessing the Internet through a shared corporate secure access point from elsewhere in the world.
Most people would get up early on a Saturday morning for that kind of money, but the action does suggest a high level of urgency.
During their nearly two-and-a-half-hour visit, the lawyer or more likely a clerk, viewed only two pages, both of which are on the Five Points Media website. One of them "Slumlord Threatens To Sue for Defamation Through Obvious SLAPP Civil Action, 2022", published April 14, 2022, reports how we defeated the threat of Strategic Litigation Against Public Participation (SLAPP) 'legal' action before the action was even taken. In that story, a slumlord chose to beat his chest and roar, as seems to be the case here, and he hired a big and scary lawyer from Toronto to threaten civil litigation if we did not stop reporting the story about how an innocent disabled man died in minus twenty degree temperatures inside an uninsulated trailer not fit for human occupation that he rented from the slumlord through funding from ODSP. That factual accounting of events seems very concerning to lawyers who visit this story, as they never seem to read anything else afterwards.
The other story they visited was "The Back Story of Our Investigative Journalism"which outlines our history in international and local investigative journalism, and also details the various threats that we have deflected after unscrupulous lawyers thought they could threaten us not to expose the wrongdoing of their clients.
Then, like all the others before them, the lawyer or clerk from Mayer Brown LLP disappeared, apparently having seen enough to know that $646.20 per hour was not enough to put their names on a transparent attempt to abuse the true purpose and intent of our civil legal system.
The early bird visitor came to our website at 5:11 this morning our time, which is 4:11 in Chicago.
Their last page access occurred at 7:47 am our time, or 6:47 in the windy city.
Mayer Brown LLP is a $1.858 billion dollar a year law firm that operates offices in various cities around the world, mostly in the US.
Did the brokers at Verico the Mortgage Station and the boards of directors of Verico Financial Group Inc. and HomeEquity Bank work through the entire rolodex of Toronto Bay St. law firms before trying their luck with Mayer Brown LLP? That seems unlikely, but from the tracker information we have available, it seems very likely that a fair number of lawyers and law firms from across Ontario have looked at this case, and at the evidence that proves usury or loan sharking, and the history of who they will be fighting, and the optics of challenging a benevolent not-for-profit, and the potential blow back from mainstream and independent media before declining the retainer.
People will accept and forgive when a public apology is given, ownership is taken, and the issue at the heart of the matter is truly resolved or corrected. However, they will recoil in disgust at the sight of a multi-million or multi-billion-dollar bulldozer trying to flatten a charitable community service that is doing nothing but telling the truth about the crimes that the aggressor committed. If the brokers at Verico the Mortgage Station and the boards of directors of Verico Financial Group Inc. and HomeEquity Bank need a very long, very public, and very expensive war just to be exposed further for their own illegal actions, it will be of their creation and their undoing.
If their plan is to use the Superior Court of Justice to cover for their own criminal acts, they will lose.
As has been learned, eventually, by every person who has threatened to silence us through civil action, but only after spending and losing hundreds of thousands of dollars for the lesson, it does not matter how many hundreds of dollars per hour they are paying their lawyer. It is ILLEGAL to try to cover for crimes by suing your accuser into silence, and every Justice of the Superior Court knows that. This will not be their first day on the bench, and they have seen it all before. The bank statement and the mortgage Funds Disbursement Record clearly show the amount borrowed, and the illegal usury level of interest and fees that were skimmed from the mortgage by Renee Dadswell with the assistance of Lisa Purchase and the approval of David Flude. Most importantly, they also show clearly the time frame of the loan, which in addition to official evidence, is what the 'motivated' detective of the South Simcoe Police Service chose to omit from his investigation, that is now under review by the Office of the Independent Police Review Director and will likely be investigated by the less easily 'motivated' Ontario Provincial Police Financial Crimes Division.The rest is simply math, which any accountant or mathematician will tell you NEVER LIES!!
It will likely come as a surprise to exactly nobody that according to LinkedIn, the team at Verico Financial Group Inc., under the umbrella of 'Verico One Mortgage Corporation', are the most frequent visitors to our profile. The likelihood is that this is also true of our other social media accounts, but LinkedIn is more business oriented, and they offer features that a lot of people do not know about.
They are also the heaviest visitor to our website, running slightly ahead of HomeEquity Bank.
We hope that this is an indication that somebody higher up the food chain is taking the horns and finally thinking about the image of their company and all of their associates, instead of focusing solely on their own personal interests, which include covering for a serious crime. The brokers at Verico the Mortgage Station broke the law by committing usury against a client, which is an indictable offence that brings with it a prison sentence of up to five years.
It is like a group of people watching a dam slowly breaking apart, but nobody is doing anything to save their families living in the village downstream.
Our allegations of usury, or loan sharking, as committed by the brokers at Verico the Mortgage Station, have never been contested by anybody who was willing to put their name to their denial.
Instead of confronting our evidence, they wallowed in denial for more than a year while apparently 'motivating' the South Simcoe Police Service to look the other way. Again, that allegation has never been challenged by the brokers at Verico the Mortgage Station or anybody from the South Simcoe Police Service, and that apparent further criminal act is now being reviewed by the Office of the Independent Police Review Director and will likely be investigated by the less easily 'motivated' detectives of the Ontario Provincial Police Financial Crimes Division. Finally, as the muck was hitting the fan, and their crimes started to affect the Verico brand and other brokers working under its banner, David Flude and his brokers at Verico the Mortgage Station fell back on the old classic of 'let's threaten a benevolent not-for-profit to try to scare them not to tell anybody what we did' which did not work so well against our producer, who has already disproved and exposed multiple such proposed abuses of civil ligitation.
That tactic has always worked so well against our producer that every corporation that has tried it has gone out of business due to the exposure of the truth of their abuses.
As we noted on January 16, 2024, starting on Friday, January 12, through to yesterday, we were visited by what we are assuming were at least the lion's share of brokers associated with Verico Financial Group Inc. There were a few hundred of them, so it is a safe bet that some form of communiqué brought them all to our website's new homepage, which includes a synopsis of the story, links to our evidence, and several of our videos. Some say we are nuts taking on so many, but we are not. We are challenging three people to show that they did not commit the crime of usury, or loan sharking, against a client they are legally and morally obligated to do business with in an honourable way. All three have already admitted to our allegations in writing through emails (Renee Dadswell) (Lisa Purchase) (David Flude) and it is their allies at Verico Financial Group Inc. and HomeEquity Bank who chose to turn a blind eye to the crimes, and then ignore all legal and ethical obligations to their client. That is also documented in emails in which both corporations brushed off the allegations of an indictable offence like the law did not apply to them or the brokers at Verico the Mortgage Station. We are also quite experienced now in exposing abuses of civil litigation, commonly referred to as Strategic Litigation Against Public Participation (SLAPP) lawsuit, and any such attempt to silence our Charter protected right to report the truth will be obvious to any Justice of the Superior Court of Justice and our counterparts in mainstream media.
All we have ever asked for is an interview, and if the brokers at Verico the Mortgage Station and their allies at Verico Financial Group Inc. and HomeEquity Bank have done nothing wrong, why not put out this fire?
As noted below on this Latest News page, dated January 12, 2024, we are now drawing the attention of social media influencers who have a much bigger audience, and their work has led to an offer of exposure by a major US media conglomerate. For reasons of ethics and political ideology we have declined, but more acceptable Canadian media will soon follow. The leaders of Verico Financial Group Inc. need to stop playing the hide and seek tactics used by the brokers at Verico the Mortgage Station that have worked only to hurt them and all affiliates of Verico Financial Group Inc., and instead step up and take ownership of the ethical shortcomings of their brokers at Verico the Mortgage Station. Their prospective clients are finding the truth of our reporting, and clearly, they are yelling that they are NOT impressed with the lies, deception, and hiding from responsibilities, both legal and ethical.
Stepping up is the only way Verico Financial Group Inc. will be able to assure their 45,000+ customers that they are ethical, professional, and honourable.
Broker's Convention Held On Our New Homepage - Verico the Mortgage Station
Most large companies hold an annual convention where their top salespeople and other movers and shakers meet to congratulate each other for another 'best year ever' and give each other awards that mean nothing to anybody but their inner circle. This year, it seems the brokers who work under the banner of Verico Financial Group Inc. met in Barrie, Ontario, on the homepage of our website. If not, maybe it was their competition?
Since Friday, January 12, 2024, we have been visited by several hundred new visitors from across the country, and we have now analyzed some of the data to better understand who most of them were.
The smaller of the two main groups to visit us this weekend was most likely the various brokers of Verico Financial Group Inc., who were sent to our new homepage directly via a link in an email, a Facebook post, or via Messenger. If it was not them, then it was most likely one of their larger competitors sending out a mass-email to let their agents know about this story, and how they can use it to their advantage. We admit we are speculating, as the activity is strange, but that link most likely came from the head office of whatever company, being sent out on masse to every broker in their network. The largest group to visit us clearly came from the Social Media Influencer who told us they were sharing our story with their 100,000 followers, which they clearly did. (See Latest News - January 12, 2024)
Was the smaller group a call to rally the troops, a meeting of the minds to figure out how to fix the damage caused by the brokers at Verico the Mortgage Station, or an opportunist?
It seems likely that the brokers at the Mortgage Station are not the most welcome members of the family of investors who bought franchises in the Verico Financial Group Inc.
It has only been two weeks since we moved our reports and videos from our Five Points Media website to this new domain, and we are happy to be able to report that we are back on page one on Google and other search engines using a variety of word combinations. The rest of the pages are catching up fast. Here we are nestled in under the paid-for first spot of Verico the Mortgage Station. This increase in visibility will ensure that more seniors are warned about the risks presented by the brokers of Verico the Mortgage Station BEFORE they make the mistake of arranging an appointment during which they risk being defrauded by usury or stall and delay tactics.
The old pages are still attracting a lot of traffic, so we will soon be recoding them to forward the visitor to the new counterpart on this domain.
We would like to thank our anonymous promotional assistant who, likely in their own best interests, has boosted our reports by dramatically improving our search engine optimization We also tip our hat to the social media influencer who boosted our story to their 100,000+ followers (This page, January 12, 2024). We have not yet made any decisions regarding the offer of national exposure by the US network.
Page one number two is quite possibly the best ranking we have attained using such commonly used major search words. This result has been caused by a variety of factors.
24-01-14: Suddenly Overwhelmed With Options - We Need Follower Feedback
We got a bit of a surprise yesterday when we received a call from somebody identifying themself as a producer of social issues reports for a very prominent American media conglomerate. We will not name them here, as this is all very preliminary, and we are very open to saying that the network that is interested is most definitely not our first choice for collaboration, and we told them so.
We are not sure why, but this offer is tripping our 'Spidey Sense' and we are hoping to get some feedback from our followers . . . Link
24-01-13: Mortgage Lenders Updated About New Website
On Friday, January 12, 2024, our producer once again wrote to the 'ethically responsible' bankers and lenders who provide the funding for the mortgages provided by the brokers at Verico the Mortgage Station . . . Link
NEW REPORTS POSTED
It has become very obvious that our new homepage, found at www.themortgagestation.tv/index.html is attracting a lot of new attention. We have never been secretive about our ability to monitor visitors, and this morning we had dozens, if not hundreds, of people come to the new domain who had never been there before.
For what we think is the first time ever, our new visitors supersede our returning followers.
We did post a job opportunity ad yesterday seeking actors and technical staff, details of which can be found directly below, dated January 11, 2024, and we have already received half a dozen application emails. Then this message hit us via private messenger.
It is a sign of the times when a social media influencer finds and posts a story before mainstream media.
Traditional media is driven by advertising, so they won't tell stories that bite the hands that feed them. That is the primary reason why our producer turned his back on corporate media, where money always outranks the truth. In this story, not only are we dealing with Verico the Mortgage Station, but also Verico Financial Group Inc. and HomeEquity Bank, and let's not forget the other multi-billion dollar lenders that include:
We have no doubt that other influencers follow our friend's posts, and that further exposure is coming rapidly.
For details about this opportunity, please visit www.themortgagestation.tv and for information about our business, please visit www.fivepointsmedia.ca Click on the picture to read this more clearly. We will be posting a list soon of the roles we need to fill, and the pay scale for each position, which are based on a Tier 1 level production. Please email resumes and headshots to jironside@fivepointsmedia.ca. We are a nine-year established production company based in Barrie.
The type is included below:
LOAN SHARKS OF LEFROY
A DOCUDRAMA FOR BROADCAST
TELEVISION and STREAMING SERVICES
We are looking for actors, especially seniors, and technically oriented crew to work on the production of a documentary with theatrical components. It will be shot in Innisfil this coming spring and summer and will be seen across Canada through broadcast television and streaming services. These are all standard rate Tier 1 positions. Please send resumes and headshots to jironside@fivepointsmedia.ca
This is an excellent opportunity for anybody who has a desire to act or work as production crew.
Details can be found via the link below. It is the story of how the mortgage brokers at Verico the Mortgage Station have defrauded senior and veteran clientele via loan sharking, and how the South Simcoe Police Service were 'motivated' by the wealthy brokers to omit essential evidence of the crimes committed. It is gritty, it is real, and it is happening in Simcoe County.
Story Synopsis - Verico The Mortgage Station
We have been asked multiple times to post a synopsis of our reports so people can read an overview of the story before delving into the evidence and links to other pages that focus on one specific component. We also know from our research into Search Engine Optimization that it is much better to cover a lot of material in your home page and provide links to every important page on your website. That way, when Google and the other search engines come to visit, and they are doing so frequently now on this new domain, each page gets copied into the search database, and the content is recorded.
So, somehow, we managed to create links to every page, every informative video, and every piece of important evidence.
Story Synopsis - Verico The Mortgage Station
As our regular followers know, last week we copied the content of our ongoing story about loan sharking at Verico the Mortgage Station with the intent being to improve our reach and ranking on Google and other search engines. It seems to have worked. We are leaving the old files on the Five Points Media website as they are also attracting many interested people, and by the end of this week they will all forward visitors to the corresponding page on the new domain. Late yesterday afternoon, our homepage, that had been essentially blank until then, popped up on page one of Google. This is no doubt due to the improved coding, and the frankly amazing search engine optimization skills of our mystery online promoter who we feel is boosting our story to help their own competing business.
That is excellent results for less than a week online, and we expect other pages to start showing up once we redirect the links on YouTube and finish the content of the new website.
There has been no unusual traffic on the new domain, which would be the case had David Flude moved forward on his 'threat' to retain counsel to seek interlocutory relief to stop our fully supported fact-based documentary.
The truth about the loan sharks at Verico the Mortgage Station is now reaching more vulnerable seniors who are the potential victims of fraud by usury.
We want to see him try to convince a Justice of the Superior Court that he was helping our producer by defrauding him through usury, or loan sharking, as the unidentified writer tried to claim was the case in his anonymous, cowardly, self-written 'Notice of Libel and Slander'. The actions taken by the brokers at Verico the Mortgage Station were criminal violations of section 347 of the Criminal Code of Canada, an indictable offence that carries a prison term of up to five years, and it will be much more difficult for them to motivate a Justice of the Superior Court than it was a detective of the South Simcoe Police Service who faked the math and omitted evidence to ensure the brokers at Verico the Mortgage Station did not face charges. Those abuses are currently under review by the Office of the Independent Police Review Director, and will most likely be investigated in an unbiased fashion by detectives of the Ontario Provincial Police Financial Crimes Division.
It seems likely he is having difficulty finding any reputable lawyer who will take on such an obvious abuse of the purpose and intent of civil litigation.
Given our past successes defending against this exact same kind of Strategic Litigation Against Public Participation (SLAPP) lawsuit in the Superior Court of Justice, that desire to stay clear is understandable. It is also a fact that despite our producer having replied to the Notice, and carbon copying everybody involved, and noting the anonymity of the sender, none of the purportedly 'ethical' and 'honourable' brokers or bankers stepped up to take responsibility for sending it.
Loan Sharks Trapped In A Box Of Their Own Creation - Verico The Mortgage Station
As we have previously noted, on December 27, 2023, an anonymous agent claiming to represent the brokers at Verico the Mortgage Station sent to our producer an unsigned "Notice"professing "Libel and Defamation". Not only was this notice unsigned, but the writer also sent it through the generic email address info@themortgagestation.ca that is not assigned to any of the brokers at Verico the Mortgage Station.
Now, due to their own inaction and cowardice, the brokers at Verico the Mortgage Station are trapped in a box of their own creation, and they apparently see no true path to escape.
Loan sharks of Lefroy - Verico the Mortgage Station
As most of our growing list of followers are aware, about ten days ago our producer received via email a PDF file entitled "Libel and Slander Notice - Ironside". Neither the cover letter nor the Notice gave any indication of the identity of the sender. It was sent anonymously and from the generic email address info@themortgagestation.ca. We therefore have no idea if the individual in question had any authority to speak for the corporation.
Few would trust the secretary at the reception desk of any corporation to sign a multi-million-dollar contract, and this hide and seek nonsense is even more ambiguous.
Within the cover letter was the demand that "You have until January 5, 2024, to remove the defamatory material from all your website and cease any further defamatory statements."That is a lot of huff, puff, and bluff for a person too afraid to affix their signature to their own threats. Last night, as the looming deadline came and went, an unidentified visitor came to our original address of https://www.fivepointsmedia.ca/index-verico-the-mortgage-station-loansharking-in-lefroy.html at 12:02am and then two minutes later, at 12:04am, they popped up at the new documentary homepage at https://themortgagestation.tv
Needless to say we were still up and running at both addresses, and we have no intention of going anywhere.
This pattern represents the sad image of a man defeated, sitting at his computer, sipping his drink and simmering with anger as he keeps refreshing the content of our domains expecting a sudden change because, "gosh jolly damn it, they have to listen to me."Most men would have maintained the self-respect needed to wait until the next morning. After all, it wasn't like he was going to call his lawyer at that precise moment and order him to run down to the courthouse like Batman and wait in the parking lot for two days and nights so he could be first to file his claim.
Oh, my God . . . it's 12:02. Hit the screen refresh key.
I want to enjoy this victory!!
OK. OK. It's four minutes after. He must have taken down the new website first.
I need to go there for my victory lap.
This man needed to be the victor as so far he had lost every battle. He had spent 18 months bearing the humiliation of being exposed as the once-trusted 'professional' who was hiding from the truth of his actions and those of the colleagues he had chosen to stand by in the name of profit. Now, the pressure to do something was building from those who he once called allies, who chose to accept his pathological lies and gaslighting, and who chose to ignore the evidence presented by the 'nobody' who they all thought would just go away if they ignored him long enough. Winning this battle, even as the skulking invisible phantom, was important and even vital. He needed to see that he had scared away the 'agitator' who was exposing him as an aider and abetter and accomplice after the fact to a criminal working out of his office, and the target absolutely would have been intimidated by the badly written, anonymous, legally erroneous demands to abide by his bidding.
Sorry to disappoint the little man who could not sign his name to his own threats, and who could not wait more than two minutes to see if he had scared away the truth of his crimes.
For us to "remove the defamatory material"there would have to be some to delete. While the brokers at Verico the Mortgage Station have committed usury, also known as loan sharking, and they have violated "regulatory requirements" to avoid having to file a report about their crimes with the Financial Services Regulatory Authority of Ontario (FSRA), we have stuck to the truth and presented evidence to support our allegations. This simple difference is why despite the cowardly actions of the Notice server, our producer signed his reply and sent it not only to the source but to all involved parties including the financiers and lenders. He also added the simple statement: "My name and signature are included below, as I have no reason to hide from anybody. I will be happy to acknowledge service when it is conducted in a manner that is pursuant to the Rules of Civil Procedure for the Superior Court of Justice."
Anybody who honestly believes the brokers at Verico the Mortgage Station are going to try to justify in the Superior Court charging our producer 198.25% interest on a loan is fooling only themselves.
By default, any attempt to conceal or cover for criminal activity through an abuse of civil litigation is by its very nature an example of Strategic Litigation Against Public Participation (SLAPP) lawsuit. It is also a crime. That is what Trump has been doing in the US for many years, and now it is coming back to haunt him. We understand the laws are different north of the border, but laws regarding suing people to silence them are very much the same. If the brokers of Verico the Mortgage Station want to proceed with the action they have threatened we say please do, and we can learn through sworn testimony and the presentation of evidence what guilt or shame caused the sender to conceal their identity.
We will be happy to use the court proceedings to bring the truth out into the light of public scrutiny.
Our growing audience of followers of this story about loan sharking, a pathological level of lying, manipulation, and breach of trust are now finding our new website at www.themortgagestation.tv as they are redirected from the original articles location at www.fivepointsmedia.ca/loansharks.
This, or course, was the plan, and we are happy to see it is working so well so quickly.
We can show the details of this visit as it was undertaken through a proxy server which disguised the location from where the visitor came to our website. They can scream and shout and huff and puff, but while they work very hard to hide who and where they are, we are an open book willing to sign responses to their anonymous documents and we let the world know where we are.
It really does not take much for people to understand who is telling the truth, backed by evidence, and who is lying and relying on threats and secrecy to attain their goals.
People are moving on over from our current articles to our new website.
We expect our unidentified online promotions guru to be back at it, promoting our new domain on Monday. We will also be redirecting all of our videos on YouTube to the new domain, and as YouTube is owned by Google, we expect the updates to occur very quickly as has been the case consistently since we first started reporting on this story more than 18 months ago.
As noted in our 'Latest News' section, dated December 28, 2023, the day prior our producer received via email a PDF file entitled "Libel and Slander Notice Ironside". The document was written by somebody with little if any knowledge of the law, it was not signed, there was no name associated with the authorship, and the email address was generic.
The question we have to ask is who exactly is this 'brave' and 'bold' issuer of ridiculous rants who hides in the shadows and is too scared to affix their name to their own threats?
Simply Pathetic
Our ongoing reporting of manipulation, loan sharking, and pathological levels of deception at Verico the Mortgage Station is moving to a bigger and more easily navigated space. From this point forward, all new stories will be uploaded only to this domain at www.themortgagestation.tv and not to fivepointsmedia.ca/ as has been the case throughout the past 18 months of our reporting. The daily updates will be found at themortgagestation.tv/latest-news.html and the newest full stories, both written and video, will be available at themortgagestation.tv/reports-and-videos.html.
All stories hosted at https://www.fivepointsmedia.ca will soon be coded to forward visitors to the appropriate page on this new website. However, the original pages at https://www.fivepointsmedia.ca will not be removed from this website as thanks to the assistance of our anonymous online marketer, they are all drawing a lot of attention from Google and the other search engines. Finally, all of the related videos on YouTube will be updated to link to the appropriate pages on the new website. We have simplified many of the page names on the new website, and the month by month drop down filing system menu remains fully functional.
The new website, although not yet completed, is fully functional, and the content should be finished by the first week of January 2024.
Throughout the past eighteen months, the brokers at Verico the Mortgage Station have attempted unsuccessfully to hide from their crimes and our requests for an interview. We even offered to cancel the documentary and remove all posts if they could prove to us through an on-camera interview that we were mistaken in our allegations. They wouldn't even meet for a without prejudice meeting, at which time they could have contested our evidence. Instead, they chose to ignore us and to wallow in denial.
That is their collective choice, but the adults want to move forward, and hiding is no way to counter our allegations of serious criminal offences.
Last week, somebody sent to our producer what they claimed was a legal order to cease and desist publishing this story. However, they did so anonymously, through a generic email address, and without showing sufficient courage to even identify the sender. That act of outright cowardice fails to tick essentially any of the boxes regarding the rules of service that are dictated by the Rules of Civil Procedure for the Superior Court of Justice. So, we are showing it and the craven writer all the courtesy they have shown themselves to deserve.
Our reporting will continue to be updated unabated.
The recently received, and legally irrelevant, "Libel and Slander Notice"that was sent to our producer anonymously via a generic email address earlier this week contains a lot of huff, puff, and bluff, but what it does not present is any apparent understanding on the part of the writer as to why we are producing this documentary. What it did show is that the writer clearly does not understand that they are not the victim, and that it is they who took action by loan sharking to start this story, and then fueled the fire by trying to cover up their actions for selfish reasons.
It is the brokers at Verico the Mortgage Station who broke various laws, yet they persist in painting themselves as good people who helped our producer through loan sharking, and then covering it up.
In their anonymous 'notice', the writer, who was too cowardly or ashamed to affix their name, stated: "The one-sided feud you have created isn't in the interest of the public but your own self-interest of presenting yourself as a victim in order to create career opportunity for yourself."
The cowardly anonymous writer of this whiney 'notice' seems determined to paint themself as a benefactor to their victim of usury, or loan sharking, rather than facing the fact that the brokers are the ones who breached professional ethics and broke the law.
Apparently, they do not understand that it is very much in the public interest for us to report the facts and present the evidence of how a business that is licensed based on trust has abused that confidence by ripping off senior and veteran clientele through loan sharking and then covering it up. That feigned ignorance, however, is all a ruse, as if they had done nothing wrong the brokers at Verico the Mortgage Station would have stood up long ago to disprove our allegations during an interview or in a court of law instead of hiding for 18 months, and now trying, vainly, to scare us off through a threatened Strategic Litigation Against Public Participation (SLAPP) lawsuit.
The epidemy of this need to conceal is shown by how the 'notice' is unsigned and was deliberately sent anonymously through a generic email address.
Anybody who knows our producer will tell you this is not about his career. He has been an international journalist working in regions like Bosnia Herzegovina during their civil war and the Middle East during the first Gulf War. He has also been the Deputy Editor of a national European newspaper that was owned by the Washington Times. Now, he runs a fourteen-year-old production company that is successful and respected, a very much appreciated nine-year-old community channel, and he owns professional level studios and facilities that are unrivalled by any private production service north of Toronto. At 58 years of age, he is not interested in starting somewhere new.
To understand who we are, the reader needs to go no further than the first line of our website's home page which contains the following statement.
"The OCANetwork, also known as Five Points Media, is a community-oriented and locally focused broadcast-quality on-line media service that offers support and a nonjudgmental voice to those who are all too often ignored by mainstream media. This policy extends to all benevolent groups and agencies that support equality. We reserve the right to analyze and expose political groups and organizations that promote hatred and racism, as well as anybody who takes action that can hurt others."
"We reserve the right to analyze and expose . . . anybody who takes action that can hurt others."
We have posted other stories through which we exposed the crimes and abuses of others, ranging from a slum lord who contributed to the death of a disabled man, a rental scam that defrauded dozens of single mothers, a Toronto private investigations company that defrauded hundreds of employees, and a local business owner who thought that he had the right to abuse and bully other businesses through threats from his self-identified Mensa member lawyer.
In each case, the perpetrator was forced to withdraw, to lick their wounds, sometimes after being defeated in court, and sometimes choosing the path that did not expose them to that kind of public humiliation.
The writer also asks, "If you are unwilling to look past your own personal vendetta, then at least consider those who have helped you - do they really need to answer for their actions in court?"What the writer does not seem to understand is that loan sharks do not help people, but victimize them, which it is why the practice is ILLEGAL. It is also why it is an indictable offence punishable by a prison term of up to five years. Also, covering for that crime after the fact is a crime, as is 'motivating' police officers to omit the evidence to dodge charges. All of those crimes are punishable by time in prison, up to 14 years, and the Superior Court Justice will know that.
Also, nobody but the business owner benefits when they defy and evade 'regulatory requirements' to conceal the crimes committed by the loan sharks.
The writer feigns innocence by claiming the interest taken was 'only' $200.00, when it was in truth $450.00, but fails to mention that despite the exposure and whitewashed police investigations, they still have not returned more than half of what they stole. Apparently, they thought that the 'favour' done for them by the South Simcoe Police Service would be enough to dodge accountability. Now both they and the open to options detective face scrutiny from Office of the Independent Police Review Director that will likely be undertaken by the Ontario Provincial Police Financial Crimes Division.
Their actions after being advised about the usury are not indicative of any kind of 'administrative error', which would have been corrected, but are a clear-cut example of an attitude of privilege granted by wealth.
Renee Dadswell did begrudgingly return the $200.00 'administrative fee' eventually, a month or more after stealing it, but only in response to our producer warning of pending litigation and a complaint to the Financial Services Regulatory Authority of Ontario (FSRA) if she did not do so. In her email of June 14th, 2022, Renee Dadswell acknowledged this by writing: "In reviewing the document, you are correct in stating that since the term stated was very short, that the amount of the administration fee would exceed the limit of an allowable cost of borrowing. As a result, I have sent an email money transfer of $200.00 to your bank account, (automatic deposit) which is the administration fee that was originally charged."
Remember that these 'professional' brokers deal with loans and interest rates every day, so the Superior Court Justice is not likely to put much stock in any claims of ignorance or innocence.
With regards to the writer's question of "do they really need to answer for their actions in court?", the answer is a resounding YES! Why else would we want this matter to go to court if not to present our evidence of the crimes committed by the brokers at Verico the Mortgage Station where they will be compelled to testify so we can question each of them under oath at the risk of them being charged with perjury if they lie, as we have shown they have done in every other form of communications? They have lied verbally, and in emails, and by omission, and by avoidance of 'regulatory requirements', and they have ignored our multiple requests for an interview through which they could disprove our allegations and debunk our evidence if they have anything with which to counter either. The trial, which will happen in about 24 to 36 months, will produce the meat and potatoes of the content of our documentary, and since we know we are telling the truth, and that we have the evidence to back it, we welcome their Statement of Claim so we can establish the truth through the most official of forums.
Exposing abusive civil action, and addressing the evidence and actions publicly, is a service to all Canadians, and in this case, especially potentially vulnerable seniors.
Although the discovery phase of a trial is protected, and we will of course fully honour that, all things said in a court of law are open to public scrutiny. There is even somebody in the room recording every word, and anybody can buy a transcript. Also, all documentation goes into a file that can be requested from a clerk and can be photocopied and taken out of the court office. All documents are filed, including affidavits, notices of motion, factums, and evidence, that are filed as part of the publicly accessible record.
Was that a Freudian slip when the writer noted "for their actions"?
Not only will we be sure to summons David Flude, Lisa Purchase, and Renee Dadswell, but we will also be serving summons on those we advised eighteen months ago about the crime of usury, or loan sharking, but who chose to do nothing even after receiving non-redacted copies of the evidence. Their decisions to put money before protecting the potentially vulnerable senior clients will then be part of the public record, for all to see, and for competitors to use against them.
- W. Mark Squire, President and Chief Operating Officer, Verico Financial Group
- Steven Ranson, President and CEO of HomeEquity Bank
- Yvonne Ziomecki - Fisher, Executive Vice President, Marketing and Sales at HomeEquity Bank
- Akash Durbha, Director, Contact Centre and Client Relations, HomeEquity Bank
- Chief John Van Dyke and Inspector Julio Fernandes of the South Simcoe Police Service
- Detective Jason Muto of the South Simcoe Police Service, regarding his omission of evidence and use of falsified figures.
By that time, a legitimate investigation will have been completed by the Office of the Independent Police Review Director, most likely through detectives of the Ontario Provincial Police Financial Crimes Division.
In addition, we will likely summon the CEO or head of mortgages for a couple of the larger lenders on the list of financiers posted by Verico the Mortgage Station. We will also call on testimony by Mark E. White, Chief Executive Officer of the Financial Services Regulatory Authority of Ontario (FSRA), who as an expert in the field, can tell the court directly if it is normal for brokers to charge a client almost 200% interest on a short term loan, when the legal limit in extreme situations is 60%, and then refuse to meet in violation of 'regulatory requirements', to lie six times in two emails to evade that responsibility, and to then threaten Strategic Litigation Against Public Participation (SLAPP) lawsuit to scare off legitimate exposure. We will also be calling on several of the people who have come to us with stories about similar abuses by the brokers at Verico the Mortgage Station, and quite a few members of the Simcoe County charitable and benevolent organizations that we have helped during the past nine years through the donation of 350+ videos to 180+ charities, not-for-profit organizations, and benevolent community groups, valued at more than $700,000.00.
What the writer of this 'notice' does not seem to understand is that the discovery phase of the litigation involves FULL exposure, including financial and communications, which is undertaken under court order.
It is not our preference to defend against these allegations of libel that are so frivolous the complainant would not even affix his or her name to the allegations. It is also not the first time some self-absorbed 'superior' person has 'threatened' to abuse the purpose and intent of the civil court system in a vain attempt to stop us reporting on their wrongdoing through Strategic Litigation Against Public Participation (SLAPP) litigation. Each time those claims, that were no different and had no more merit than the one threatened now, failed publicly and the claimant was not only humiliated but also financially ruined. This was not due to our action, but because our producer successfully defended against actions taken for the pupose of censorship.
As the old sayings go, "Don't throw if you can't catch,"and "Never bring a knife to a gun fight."
In a Daily Update report, dated December 28, 2023, we noted that our producer had received via email a supposed "Libel and Slander Notice"in the form of a PDF that was sent through a generic email address and was not signed. In fact, the writer proved to lack the courage required to even assign his or her name. So, we have no idea if this 'threat' of civil action is real, or if the sender has the authority to speak for the brokers at Verico the Mortgage Station.
What we could not miss is that the supposed legal document, purportedly sent by a corporation, was not written or served by a lawyer who is licensed by the Law Society of Upper Canada.
Five Points Media is a small not-for-profit community channel that donates all services to charities, not-for-profit organizations, and benevolent community groups. It is also a well-established reality that our producer has challenged abuses of the power of the legal system, both civil and criminal, and he has won every time. So, it comes as a surprise to nobody that he is able to present his own case in a court of law.
A civil action of this nature, when one party is clearly abusing the true intent of the court, draws followers like flies to an ice cream cone, which is exactly the kind of case no ethical lawyer would want to accept.
In those cases, the abusive business owners lost everything, as the truth of their oppressive actions scared away their clients, leaving them bankrupt, and in one case, homeless.
According to research we have conducted, and this might need upgrading, David Flude is the only owner and director of Verico the Mortgage Station. If this is incorrect, we welcome him to advise us and we will correct the error. If that is true, and if the court grants consent with the approval of the opposing party, only he can act as a self-represented litigant in the case.
The Rules of Civil Procedure are clear in that a litigant can retain council or self-represent, but they cannot be represented by somebody who is not licensed by the Law Society of Upper Canada.
The issue with that will become clear when we post the 'notice' and our reply during the first week of the new year. Given David Flude's proven propensity for deception, we also sent that reply to David Flude, Lisa Purchase, Renee Dadswell, the board of directors at HomeEquity Bank , the management team of Verico Financial Group Inc., and all the known lenders who provide funding mortgages arranged through the brokers at Verico the Mortgage Station.
The 'notice' was written badly, legally speaking, and it was so full of bitterness, emotion, and leaps of logic that it would elicit a cringe from any person who has actually argued before a Justice of the Superior Court.
It was also quite obviously not proofread by anybody with a better than average command of the English language, which would suggest it was not forwarded first to either of their aiders and abettors at Verico Financial Group Inc. or HomeEquity Bank, whose reputations are riding shotgun to the abuse of trust undertaken by the brokers at Verico the Mortgage Station. Those companies have a significant stake in this matter going to court, as when the brokers at Verico the Mortgage Station fail to present their case in a cohesive manner, they will all be humiliated by the exposure of the truth due to inexperience and incompetence.
Why would these multi-million and multi-billion-dollar corporations even entertain the idea of self-representation in the Superior Court of Justice?
One possibility is that they can't find a lawyer who will take this case. That is speculation, but if you look at the evidence it is a worthy theory.
- Lawyers like to take cases they believe they can win as their reputation for winning is what gets them other cases and higher hourly rates.
- No lawyer wants to lose to a nobody, and that is especially true when they know the loss will be made public.
- Our producer has an established history of defeating lawyers in the Superior Court whenever the action is abusive and the evidence disproves the lies.
- During the Mustang case, a rising star lawyer named Norman Groot was unceremoniously ripped from his position at the prestigious Bay St. law firm of McCague Peacock Borlack McInnis and Lloyd Llp because of his failure to force our producer to surrender to the company's demand for silence.
- Groot tried and failed to convince a Justice of the Superior Court that the court should order our producer not to report on the abusive civil action through his private website, but the motion failed as all citizens have the right to Freedom of Speech and Freedom of the Press under the Charter of Rights and Freedoms.
- What chance do the brokers at Verico the Mortgage Station have of attaining that kind of injunctive relief against a nine-year established community media company that has donated $700,000.00 worth of services to more than 180 local charities, not-for-profits, and benevolent community groups, and was voted to the highest levels for an award for altruism in 2020?
- A total of seven other lawyers resigned or were fired from the Mustang case, and some where stripped of their positions at lofty law firms because of the ongoing exposure of their failures.
- Mustang Investigations advised the court that they had spent $400,000.00 in legal fees and lost $500,000.00 in income due to the ongoing exposure of their abuse of civil court, and they were ordered to pay $20,000.00+ in costs to our producer when they abandoned their claim and allegations.
- A short time later, Mustang Investigations went out of business and the owners lost everything they had worked to build for more than eight years.
- In the Barrie case, the abusers went broke, the politician fled Barrie to avoid a metaphoric tar and feathering, and the once respected detective was reduced to uniformed service in the evidence room.
- A civil action of this nature, when one party is clearly abusing the true intent of the court, draws followers like flies to an ice cream cone, which is exactly the kind of case no ethical lawyer would want to accept.
- Within the unprofessional and anonymous 'notice' the writer admits to many of the allegations, buffering reality with excuses, self-deluding rhetoric, and an embarrassing level of whining.
For several weeks, right up until Christmas Eve, our website was visited just about every day by people hiding behind proxy servers who were very specific in what they viewed.
Some viewed a few of our fully-donated community stories, but mostly they went directly to the story about the slumlord whose greed contributed to the death of a disabled man, or to the story about how we came to the aid of a group of single mothers who had been cheated in a rental scam, and finally to the story of how a local bully business and their Mensa member lawyer ran away with their tails between their legs after we responded to their threats of Strategic Litigation Against Public Participation, or SLAPP lawsuit.
As was the case in two of those stories, the new visitors simply went no further as they had evidently seen enough to know this was a no-win scenario.
Within the purported 'notice', the writer spends a lot of time whining and complaining, and they seemed to fixate on one comment made by the Justice when our producer was successful in finding a local civil court abuser to be a vexatious litigant. They also tried to justify loan sharking by claiming it was an 'administrative error'. For that to fly, the Justice would have to be 'motivated' as was the detective of the South Simcoe Police Service, to completely ignore the dozens of times the accusations have been published, and the fact that only part of the money stolen by usury has ever been begrudgingly returned.
That is a convenient accounting of 'alternative facts' that crumbles due to its own rot even if it is unchallenged by real evidence or with any level of intelligence or logic.
Another thing to keep in mind is that the case of Mustang Investigations became very well known within legal circles, as it was the very first time in Canada that an obvious abusive of our legal system was exposed by an experienced journalist through the Internet for all to see. At the time, we were told, law school professors were referring to it in lectures, and Justice Perrel of the Superior Court in Toronto referred to our reporting as 'the Internet Blood War'. It is likely that any seasoned lawyer would remember something of the case or that they would remember when looking up our producer on Canlii.
That online story drew 400,000 visitors to our website, mostly professionals from insurance companies that hired private investigators and lawyers who had an interest in the case.
The public nature of the reports forced Justices to be fair, and to make ruling based solely on established law. In one instance, a Justice recused himself from ever hearing motions on the case again after advising the lawyer, in front of our producer and his family, "Do not come back to me for anymore favours."That case resulted in nine lawyers from three Bay St. law firms being chewed up and spat out as one after another failed through a variety of tactics to intimidate or attain capitulation from their intended victim.
Are the management teams of the Verico Financial Group Inc. and HomeEquity Bank really going to allow their reputations to be decided by a brokerage whose owner is so clearly out of his depth?
We have all watched that movie in which the sleazy character gets their comeuppance after running away to escape the monsters, leaving others to die. The corporate guy from Aliens come to mind, and who can forget the cowardly lawyer in Jurassic Park who was eaten by a T-Rex while hiding in a toilet after abandoning the children to their grizzly fate? It now appears that is where we are in this story.
Yesterday, our producer received via email a self-written and anonymous PDF document claiming to be a "Libel and Slander Notice". Unfortunately, due to an obvious lack of experience and awareness, the purported 'legal document' fails to check virtually any of the boxes required by the Rules of Civil Procedure that govern conduct in the Superior Court of Justice in Ontario. Based on the frail and frankly pathetic nature of what we received, it seems that the brokers at Verico the Mortgage Station, after hiding for more than 550 days, are now backed to a wall and scratching at the air like a declawed kitten challenging a rottweiler.
The 'notice' reads like the sniffling of a small child who has been forced out into the light of scrutiny after eighteen months of hiding in the dark, and is now trapped in an alley trying to evade the monsters of truth and evidence.
We have chosen to wait until after the new year to post the notice and our response and to analyse the content through an article. The main reasons are that we are currently putting the final touches on our new website at www.themortgagestation.tv and this week is quiet for traffic due to the holidays. We are also working on a new video through which we will present all the evidence through a synopsis of this story.
. . . now trapped in an alley trying to evade the monsters of truth and evidence
Sufficed to say, the package demonstrated a complete lack of knowledge of the law, no indication of who sent it, no notification of the counsel of record, and nothing more than a combination of threats and sniffling.
For investigative journalists and producers of socially poignant documentaries, 'legal' threats are as common as cream cheese on a bagel, and they are usually not worth the neurons used to send them via email. Most of our readers remember the story of the slumlord who contributed to the death of a disabled man, whose big-bad lawyer disappeared immediately after our producer responded to a whole slew of vacuous threats. Then of course there was the issue of Tyger Shark, whose lawyer, a self-identified member of Mensa, turned tail and ran when he received our response to threats pertaining to a five-year-old video the owner demanded we remove from our website at our expense for no reason other than he thought he could be a bully.
In this sad and pathetic adventure, the wannabe tough guy/girl didn't even hire a lawyer to write the letter.
Apparently, the writer believes that the law, like those pertaining to usury or loan sharking, and the "Rules of Civil Procedure"that are compulsory in the Civil Courts, do not apply to them, and their feelings are what really matter. They felt that their breaking of Section 347 of the Criminal Code of Canada was acceptable because they wanted to be exonerated, and then they went on in their Trumpian way to explain that they are the victims and that it did not matter that they broke the law, took advantage of their client(s), and violated the 'regulatory requirements' of their profession that are intended to protect clients from just this kind of abuse of trust.
This sudden change of heart, which came about after 18 months of hiding, is likely the result of our decision on December 12, 2023, to write to the lenders who provide mortgage funding to Verico the Mortgage Station.
That is speculative, but it is also very well timed. Our story includes the names of each bank and lender, and pursuant to the fair dealing exemption in the Copyright Act, we included some of their logos. It seems unlikely that any of those legitimate businesses want anything to do with loan sharks who abuse the trust of seniors, and we feel it is likely that they set a deadline for David Flude and other management at Verico the Mortgage Station to clean up their house.
Quite honestly, if this cowardly anonymous 'notice' is the best they can do, they need to sit down with a good lawyer, but he or she is likely to tell them facts they just don't want to hear.
Of course, the demand of the notice was for us to remove all our reports and videos, to apologize and to post a retraction. That will be a cold day in hell. The only reference to their crimes were sniffling claims of no harm done and that the law for some reason did not apply to them. There was no suggestion that the brokers at Verico the Mortgage Station would publicly accept responsibility for their crimes, or that they would in any way offer anything in return for our full capitulation to their demands. Keep in mind, that this 'big and bad threat' was being sent to us by some anonymous wannabe, who did so without the assistance of a lawyer, and they were claiming the law and rules of litigation do not apply to them.
Even Donald Trump, a full-blown narcissist, had enough sense to hire lawyers to try to make the truth and evidence of his crimes just go away, and we all know how well that has worked and how much it has cost him.
How do you take somebody like this seriously? It is like that child in the picture, trapping themselves in the alley with the monsters of truth and evidence, vainly shaking their fist at what they are too terrified to face, while trying to look like something they are not and will never be. The writer also tried to claim that by manipulating the timeline of the mortgage, so their mark had little choice but to accept loan shark interest rates of 198.25%, the brokers at Verico the Mortgage Station had somehow done our producer a favour.
That is like saying the dealer made you feel good by getting you hooked on heroin, or the mugger was thinking of you when he relieved you of the uncomfortable bulge of the wallet in your pocket.
The response of our producer's reply, that was carbon copied to all the representatives of the banks and other financial institutions, was an immediate flood of hundreds of visits to various pages on our website, with special interest being shown to the pages he had linked to regarding the court cases noted above. It seems evident that these financial professionals understand that the brokers at Verico the Mortgage Station waited too long to address the elephant in the room, and they have shown cowardice by hiding because they know they are guilty. As a result of their own actions, or lack of, they had better bring up their A-game FAST. Otherwise, the brokers at Verico the Mortgage Station will likely be abandoned to the pain and suffering of their own less-than-ethical behaviour.
Threats don't work here, so if the brokers of Verico the Mortgage Station have done nothing wrong, they can take the opportunity to rebuke our evidence with their own through a video recorded interview.
As promised, we are using the quiet period of the holiday season to create a standalone website for this documentary through which we will be exploring loan sharking at Verico the Mortgage Station, the reason behind whatever 'motivated' the South Simcoe Police Service to omit evidence of an indictable offence, and other stories of abuse within the mortgage brokerage industry. The website will be fully rooted at its final address by January 1, 2024, but for now, you can see it updating in real-time at:
The holding page on the domain at https://www.themortgagestation.tv/ has already been visited more than 700 times since we first reported on it not so long ago, and it was nothing more than a redirection page that sent visitors back to the established articles on the Five Points Media website. Clearly our new promotional ally has already boosted that domain, as it can already be found by Google and other search engines. When fully coded for search engine optimization, it will not be limited regarding promotion by the confines of our community channel.
As per the request of our followers, the home page will feature a synopsis of the story so far, and a video outlining the highs and lows of dealing with the loan sharks of Lefroy, and their enabling assistants at Verico Financial Group Inc. and HomeEquity Bank.
Through our research regarding Search Engine Optimization, we learned that maintaining and frequently updating a subject-relevant blog is one of the best ways to attract the 'robots' and 'spiders' of the search engines, which improves your website's footprint on the Internet.
So, we thought we would kill two birds with one stone.
Our new Daily Updates page includes short stories and pertinent facts that are better suited to short posts rather than full reports or articles. It will be updated more frequently than adding new pages and will be organized with the most recent updates at the top.
During the past week, we have been thoroughly researched by an easily identified very interested follower. Not only did they visit at least forty pages of our website (we only have 32 pages dedicated to this story) but also, from what we can tell, they watched every video we have produced about the mortgage brokers at Verico the Mortgage Station, who run a side-gig of defrauding their senior and veteran clientele through loan sharking, lies, and manipulation.
We are very confident in saying we know the identity of this specific visitor, but to identify them would be at best an educated guess based on available data and some pretty advanced technology.
It does not require a lot of thought to understand why the management teams of the Verico Financial Group and HomeEquity Bank are now becoming very concerned regarding a story they thought they could simply ignore until it went away. We say that mostly because the forty-plus visits happened during the dead of the night, with a few pages visited at two something AM, then an hour later a few more, and the pattern continued throughout the night as if the researcher was burdened with insomnia due to a heightened level of concern about our fully factual and evidence-supported reports and videos.
It is also not a coincidence that this all happened immediately after we posted a report discussing how we had reached out to every lender that works with the brokers at Verico the Mortgage Station.
CHIP Reverse Mortgage Simcoe County
David Flude
HomeEquity Bank crooked
HomeEquity Bank dishonest
HomeEquity Bank fraud
Mortgage broker Simcoe County
Verico fraud
Verico loans
Verico loan sharks
Verico mortgages
Those bankers are not likely to have much of a sense of humour about being named in reports about a mortgage brokerage in Simcoe County that cheats seniors through usury, or loan sharking, and then lied at a pathological level to evade being reviewed by the Financial Services Regulatory Authority of Ontario (FSRA). However, these lenders are part of the story, as those who borrow from them have a right to know the truth about with whom they choose to do business.
Also, by advising them of the facts, those provincially regulated financial institutions cannot feign plausible deniability when this story hits the fan through broadcast television and streaming services.
It also likely weighs heavy on their heads that an anonymous, likely self-serving, promoter is boosting our stories and videos on the search engines, and that last week we optimized our content resulting in greatly improved results on Google and others. Now, our stories are coming up consistently on page one of Google and other online sources when referencing just about any combination of words about any of the key players in this story of fraud through loan sharking within a mortgage brokerage in Simcoe County.
It seems these multi-million and multi-billion-dollar corporations would rather be humiliated by a small not-for-profit community channel, rather than demand accountability from their colleagues.
More than eighteen months ago, either Verico Financial Group or HomeEquity Bank could have stopped this story before it started. That was when our producer wrote to them both advising them of the fraud by usury that was being undertaken by the brokers at Verico the Mortgage Station. They have also had front-row seats to watch as David Flude, Lisa Purchase, and Renee Dadswell have hidden from our allegations rather than taking one of the many opportunities to step up and disprove our allegations using evidence on camera.
These bankers are not stupid; they know only the guilty hide from scrutiny.
We timed the update of our new Search Engine Optimization and the creation of the standalone website for this time when most people are running around shopping and visiting relatives and friends rather than researching online. Regardless, we have maintained and improved our standing on the search engines and by the time the holidays are over, our new information will be firmly rooted in Google and other search engines, resulting in our existing pages and the new website drawing greater numbers. Previously, we ranked well when using the keywords associated with the brokers at Verico the Mortgage Station, but now simply using 'Verico' or 'HomeEquity Bank' brings our reports and videos to page one of virtually every search engine. We have also started changing our style of writing to ensure that our content is more appealing to the 'spiders' and 'robots' that are now reviewing and indexing our written content every day.
For example, twice in this short article, we used the term "mortgage brokerage in Simcoe County"which we learned through split testing is the most used set of words to find a mortgage brokerage in Simcoe County.
We also know that several local brokers from other companies share links to our content and that at least one has shared several of our videos. Meanwhile, we have experienced multiple hits from towns and cities where a broker for Verico Financial Group Inc. is known to operate. We have no doubt that many of the professionals who invested considerable sums in attaining a brokerage license through the Verico Financial Group Inc. are less than impressed when seeing fully factual and evidence-supported allegations of usury, or loan sharking, popping up in searches when potential clients are searching for information on their business.
Most people would trust incorrectly that the Verico Financial Group Inc. or the lender, HomeEquity Bank, would have taken action to protect their potentially vulnerable senior clients.
Instead, the management team of both the Verico Financial Group Inc. and HomeEquity Bank put on blinders and chose to ignore the crimes being committed against potentially vulnerable seniors. Their focus remained solely on the money being made by this small brokerage in Lefroy, Simcoe County, and they apparently failed to consider what the misplaced and undeserved loyalty would do to their brands, and how that narrow vision would bring harm by association to the many other brokers who had also invested in a Verico franchise, or had selected to sell the CHIP Reverse Mortgage for HomeEquity Bank. It is now 553 days later, and even we cannot accurately calculate how many hundreds of thousands of people have visited this story in that time, or viewed our reports and videos through secondary sources, like competing brokers sharing via email or on their social media.
The coming year promises to be an interesting ride for Verico franchises across Canada, as tens of thousands of potential clients learn the truth about the loan shark brokers from Nowhere Ontario who seem so very willing to bring harm to their corporate colleagues just so they can avoid explaining their actions.
One of our supporters messaged us yesterday to tell us that this is what happens now when you finish watching one of our videos about the crime of usury, also known as loan sharking, that was committed by the brokers at Verico the Mortgage Station. David Flude, Renee Dadswell, and Lisa Purchase may have chosen to hide for eighteen months, rather than stand up to defend their actions on camera, but they are fooling nobody. All they are doing is telling everybody they work with and all of their clients that they know the truth cannot be disproven, which is the only viable reason why they have taken no action to silence us through court action, where if we were lying, they could have secured a restraining order or other injunctive relief to deny us the ability to complete our expose documentary.
So, now when somebody finds one of our videos, they are immediately given the choice of watching any of more than twenty others on the subject, which are all lined up for them for easy viewing through the click of a finger.
Visitors to our website and those who find us on YouTube are now positively spoilt for choice when it comes to our videos..
The new Search Engine Optimization techniques are definitely working. Some of the changes have been made by us, but the big shift has been implemented by an unidentified promoter who is using Long Tail Keywords to promote our articles and videos directly to the search engine databases.
This morning we got a bit of a surprise when we ran a test on Google using the keywords "mortgage broker simcoe county".
Not only did our story "The South Simcoe Police Service is Protecting a Loan Shark"come up on page one, which had not been the case a week ago, but the link to our story was higher than any reference to the actual Verico the Mortgage Station website or social media.
That means the potential victims of these loan shark brokers will find the truth of our reports and the evidence long before they think of using their services.
Page one of Google, and ahead of any reference to the website and social media of
Verico the Mortgage Station.
As we are a community channel with a long history of helping charities, not-for-profits, and benevolent community groups, we are followed by many people who care about others. One such group is Ryan's Hope, with whom we have been working the past couple of weeks through a fully donated video that will raise awareness and hopefully some financial support for their great efforts to help those in the greatest need.
These volunteers know all too well what happens when seniors are defrauded, as they are the ones left to help pick up the pieces to assist those whose lives are destroyed due to no fault of their own.
We see them daily, seniors pushing shopping carts and begging for money. They are ashamed, humiliated, and struggling to get through just one more day, yet in most cases, they were not always that way. Most had homes, families, jobs, even careers, but then they were injured, or became sick, and while they were down, they were fleeced by some slicked back con-artist who played outside the rules of acceptable financial services, who ignored 'regulatory requirements' that are in place to protect consumers, and who 'motivated' people like the police to look the other way and ignore their loansharking or other scams. Well, the good people at Ryan's Hope learned about our ongoing story through which we are exposing how the brokers at Verico the Mortgage Station defrauded our producer, a senior and veteran, through usury, also known as loan sharking.
Then they started reading our reports and watching our videos.
Now, as can be seen in the lower left of this picture, Ryan's Hope, a well-known benevolent community organization, is openly supporting our desire to expose the provincially licensed brokers who perpetrated these crimes, but who have never found the courage to defend their actions, nor challenge any of our allegations, and have instead chosen to hide for more than 547 days, or longer than 18 months. This is a bit of a risk for any charity, as like us, they don't know who is in league with David Flude, Renee Dadswell, and Lisa Purchase, the brokers at Verico the Mortgage Station. They could be risking a source of their limited support, but clearly, they know right from wrong, which is why they are openly letting everybody know, including their followers, that they stand with the potentially vulnerable seniors of their community.
In the purest of ways, they are doing what little they can to prevent the senior customers of Verico the Mortgage Station becoming the next in line at their community breakfasts.
As is true of all grassroots movements, awareness takes time, which for the right cause we are willing to invest. We exposed a Toronto company for defrauding hundreds of employees over an eight-year period, and they threw everything in the book at us to try to scare us off. In the end, after 32 months of us challenging a bogus SLAPP lawsuit, they went broke as exposure scared off all their customers and public awareness brought one government investigation after another, exposing the truth and making it impossible for them to maintain their business that could not function without cheating those who worked for them. Then, we took on a company that had been assisted by a corrupt detective of the Barrie Police Service to try to scare us away from exposing how a local politician had helped them to receive public taxpayer money they did not deserve. That led to a very public 34-month online expose, resulting in the closure of that business and the demotion of the once respected detective to uniformed evidence duty.
As anybody not wearing blinders can see, we do not ever back off, nor yield to threats, nor do we accept that anybody has the right to silence the truth through intimidation.
The initial reaction to expose reporting is shock and awe, and then doubt. However, before long, as they start to review the facts and evidence, the public comes to realize that the stories are true. Then actions like the proposed picket line by a local union and open support by charities show the doubters that the stories told by those who are being exposed for crimes and other bad behaviour simply don't stand up to the strength of the evidence presented. Then people start reaching out to other journalists who are also advocates for justice and consumer advocacy but for larger networks.
That is when the customers stop coming, and the community closes down the con artists.
As the weather has worsened, more people are staying at home and browsing online. This is especially true of seniors, who we are trying to reach as they are the potential targets of abuse of trust and loan sharking by the brokers at Verico the Mortgage Station.
So, as was promised a few months ago, we are now boosting some of our earlier videos.
The first video to revisit is Lies, Manipulation, and Loan Sharking - Verico the Mortgage Station - Targeting Vulnerable Seniors. That video was popular when we first released it, having been viewed on Facebook and our website by more than 5,000 people. So, about a week later, we released it again to an audience exceeding 7,000. The second week suffered poorer weather, which explains the increase.
In that video, using his own emails as evidence, we showed how David Flude, the Principal Broker at Verico the Mortgage Station, lied at a pathological level, six times in two emails, to evade what he called a 'regulatory required' review of the tactics used by brokers Renee Dadswell and Lisa Purchase to defraud a senior and veteran through loan sharking that was required to be submitted to Financial Services Regulatory Authority of Ontario (FSRA) but never was.
We think our new Search Engine Optimization techniques, combined with those of our unidentified online promotions expert, are working very well as now, instead of worrying about competitors, the brokers at Verico the Mortgage Station have to deal with the truth of their criminal offences being released to the public, which for 18 months, they have chosen not to challenge in any way. There have been no lawsuits, no angry emails from lawyers claiming defamation, and no court filings seeking injunctive relief.
You don't have to be a lawyer to understand why the owners of a supposedly 'trustworthy' business would choose to hide rather than stand up and defend their 'good' name.
The competing broker shown here, that we will not name out of respect, is a well-established and prominent mortgage broker in Simcoe County. However, now their SPONSORED ad, which they have paid for, comes up on Google AFTER our SIXTH reference when looking up 'the Mortgage Station'.
It is little wonder why so many people are thanking us for exposing these criminal abuses of trust about loan sharks who target potentially vulnerable seniors.
This competitor's paid advertisement does not follow our first reference on Google, but our SIXTH. There is little wonder so many people are finding our reports and evidence, and then going somewhere other than Verico the Mortgage Station to arrange a mortgage.
We are very happy to be able to confirm that our host for this documentary, a former journalist with one of Canada's biggest broadcasters, is freed up from contractual obligations to conduct interviews in our studio and on location during the week between Christmas and the New Year.
Those on-camera conversations involve people who have stories relevant to their experience working with the brokers at Verico the Mortgage Station, and at least one as yet unconfirmed former employee of HomeEquity Bank who says they left their position for ethical reasons.
We must admit a high level of surprise when just yesterday a former client of Scotiabank told us they wanted to chat about their experience with that lender. We are currently sifting through their documentation.
We will be in touch with all these potential sources of insider information to arrange a time and place that works for them.
Interviews are moving forward during the week between Christmas and New Years.
So, today, we started the process of optimizing the YouTube videos associated with our ongoing articles in support of our documentary about loan sharking and mortgage fraud as undertaken by brokers of Verico the Mortgage Station in Lefroy.
The immediate response was a sudden flurry of activity to every page associated with the changes, which are these three records of a visitor to our website and about 20 more pages.
This is an automated response using proxy servers redirected to our reports from all over the world, and our best speculation is that they are either our new friend who is promoting our story, or a service hired most likely by Verico Financial Group Inc. or HomeEquity Bank so they can monitor the public relations disaster created by the loan sharks of Lefroy.
For details, please visit: https://www.fivepointsmedia.ca/anonymous-promoter-now-helping-us-to-warn-vulnerable-seniors-about-the-loan-sharks-of-lefroy.html
This data represents a small part of a twenty-seven page feeding frenzy that happened right after we optimized and standardized the SEO of our YouTube videos.
