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    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    My community declined only 18%... sent file to DCBA with a request that TBS considers my equity loss as "exceptional expense" related to the move... 7 months waiting and counting.. Found an interesting piece of TBS regulations, on Ex Gratia payments. Here is what it says: 7.4 Ex gratia...
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    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    I hope CDS has its own crew of legal advisers who would know the DAOD....  they way I read it is that "damage or loss to Crown servants' effects" are not covered...
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    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    So it looks like there is some movement on HEA grievances: http://www.cfgb-cgfc.gc.ca/English/2010-012.html The CDS agreed with the Board's recommendation to deny the grievance. The CDS also agreed with the Board's systemic recommendation and he directed the DGCB to review the HEA provisions...
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    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    From the Ombudsman's report on Grievance Process (http://www.ombudsman.forces.gc.ca/rep-rap/sr-rs/gp-prg/doc/gp-prg-eng.pdf): The Chief of the Defence Staff’s decision in a grievance is final and binding. It can, however, be challenged by an application for judicial review in the Federal Court...
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    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    So there is a CDS decision on grievance 2010-043 (http://www.cfgb-cgfc.gc.ca/english/2010-043.html).  In summary, a file was submitted proving that the market declined by about 30%, but DCBA refused to send the file to TBS. This was the CFGB finding and recommendation: "The Board recommended...
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    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    Finally sold the house, for $76 loss (after 9 months on the market).  And still was glad, since TDRA $$ just run out 2 weeks ago.  Now let's the real HEA dance begin. 
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    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    A new grievance posted on CFGB site, http://www.cfgb-cgfc.gc.ca/English/2010-043.html Read the whole thing yourself, but this particular line (referring to Edmonton, of course) just made me shake my head and repeat WTF several times... """There was no initial authority (IA) decision as the...
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    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    So the Ombudsman was visiting our base.  After his presentation I had an opportunity to chat with his "G3 Ops" person about the 100% HEA. Apparently, Ombudsman's office so far has only 3 complaints about the equity loss and compensation (although they expect more to come).  I was told 3 cases...
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    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    Read both the case summaries (2010-012 and 2010-015).  Looks like any way you try to get 100% HEA, the TBS has hatches down, and grievances are denied.  Yeah, nice that the Board is recommending the policy review , but I remember reading a different grievance from 5 years ago with a policy...
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    Home Equity Assistance & "Military Families Pushed to Financial Ruin" (Merge)

    I am wondering, for all those who submitted grievances related to equity loss, what was exactly the matter grieved? Seems to me there are two possible ways to request 100% HEA:   a.  Try proving that the market in particular location declined by more than 20%, and request 100% HEA   b.  Request...
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