Complaint Review: Royal Bank of Canada - Calgary Alberta

In 2014 I was involved in a motor vehicle accident in the SW of Calgary, Alberta, Canada. The driver of the vehicle whom I hit was to provide me with three quotes for the damage repair. Shortly thereafter, I moved from Calgary, Alberta, Canada to Panama City, Republic of Panama. In the time from 2014 to 2016, the claimant had the vehicle repaired to the amount of $8,666.97 and paid for by the Royal Bank Automobile Insurance. I ultimately was to pay this amount because unknown to myself my vehicle insurance was not renewed three days prior to the incident.

When I was living in the Republic of Panama I was completely unaware of the court case being filed against me. It has come to my attention the "papers" were delivered to a UPS store and signed for by someone I do not know nor gave my "proxy" authority to.

There are a number of egregious acts that have been taken against me and they are:

1.) unlawful court case and subsequent judgment against myself.

2.) fraudulent repair bill and quote process to fix the vehicle.

3.) unlawful connection of my driver's license to a civil suit.

4.) unwillingness by Total Credit Recovery to negotiate a settlement post-judgment.

This whole situation has now been going for six years. I have subsequently moved back to Canada and now have no means to support myself as I do not have a driver's license. This problem had created an inability for me to carry on with my renovations company located in Canada. Additionally, I became very sick and was unable to work hence I had to sell 98% of my personal belongings to survive let alone try to pay off the above judgment.

I've called the credit recovery company, Total Credit Recovery to try to negotiate a settlement however a Mr. Tyler indicated there will be no settlement until the judgment is paid in full. I mentioned to him the Royal Bank has probably written the debt off and sold the "paper" at a discount to face value whereby Mr. Tyler told me his firm does not normally purchase "paper" and is at this moment only acting as a recovery agent for the Royal Bank. I then asked him to go to the Royal Bank and tell them I have $3,000.00 to go toward a settlement on the judgment owed. Mr. Tyler wanted me to pay the sum now before initiating any further discussion with the Royal Bank. I refused the request and insisted Mr. Tyler open a dialogue with the Royal Bank to provide my offer of which he refused.

This situation is a travesty of justice and the use of the "prudent man" rule in law. I have been and continue to be 1.) railroaded by gargantuan corporate interests, 2.) inflexible credit recovery procedures, 3.)  conspiracy to defraud me of my legal right to freedom of travel via motor vehicle, 4.) my ability to conduct business to make a living had been impeded, 5.) actual fraudulent action was taken against me to defraud me of my legal right to freedom of travel via motor vehicle 6.) my current inability to conduct business, 7.) connection of a civil suit to governmental intrusion and excessive punishment by revoking my driver's license until the judgment is paid in full.

Government and big business would like the public to buy into the concept that driving a vehicle is a privilege. It is not. Freedom of movement is a right codified in the Bill of Rights in Canada and the United States of America. From walking, riding a horse, taking a ride on a train or plane to driving your own vehicle is a right we all have subject to certain rules, not paying a civil judgment should not be one of those rules.

Additionally, legal representation is a right we all have. For me to be completely unaware that a lawsuit was being initiated and implemented against me is unlawful - it goes against the Bill of Rights.

I live in Canada and I do not know any other way to ask for and receive redress on the above issues. I thought I lived in a free, reasonable, rational, and just country but alas I suppose not.