紧急求助:RESP充公

[很开心]

我在七年前为儿子在HERITAGE买了RESP,大约在四年前曾暂时关掉户头.户头内约有$7000-8000.那时接到他们的一封信,户头必需在2008年十二月之前重新激活.我们在2008年10月12日写了一封信并附上激活申请表还有VOID CHEQUE给他们,请他们从十一月开始从我们的银行里拿走$50/月.在这期间,我们也打电话和代理讨论过,我们不打算买满$2000元/年.她说没关系.接着在这一年内因为工作卖房买房搬家.到现在才有空再来关心RESP, 发现他们并没有从我们的银行拿走$50/月.我昨天给HERITAGE打电话.他们说我们的户头已经永久的关掉,钱已经转到一个POOL供其他的孩子们享用,因为我们没有在规定之内重新激活.可是我已经在规定的时间内激活了.我们非常的无助.打电话给我们的代理,留了几百次言都没有回音.希望内行的人能给我们提供帮助.有没有其它的办法可以把钱拿回来.在这里先谢谢大家.

 

[Sean Mama]

所以，如果想通过类似HERITAGE这样的公司帮你管理RESP的父母们，千万不要在供款中途改变任何供款方式，如少供，断供什么，麻烦是很大的，最坏的结果就是楼上的。

如果条件还不是那么稳定的家庭，建议自己到银行开户头，自己去管理RESP好了。

如果是我，我会证明在2008年10月12日写了一封信并附上激活申请表还有VOID CHEQUE给他们,请他们从十一月开始从我们的银行里拿走$50/月。然后力争到底。

 

[Ayin_Ottawa]

怎么会有这种情况呢？

这件事情说明无论钱再多还是要花时间管理自己的钱财。

不过体内损失体外补。据说没有钱读大学的孩子从政府那里贷款，借1W还3千。

我最不喜欢这种零存整取的方式，我喜欢自己有钱了再放钱进孩子的RESP的帐号。

 

[dkwan]

i am sorry. This is terrible. I don't know why after so much incidents and people still invest their money in that company.

 

[heatherbeijing]

能否讲讲什么是 RESP?

i am sorry. This is terrible. I don't know why after so much incidents and people still invest their money in that company.

 

[lazycatcat]

One last resort is to file a suite in the small court, which is for law suites less than $10,000. The cost is about $400 and is fully recoverable if you win the suite. You don't need lawyers etc.

Make sure you let them know if you plan to file the suites. This may cause them to yield ... You should file on two items:

1. The fact that you followed the procedure. You may have problems in proving that and therefore item 2 below.

2. Challenge the legitimacy of forfeiting your savings. Your lost saving is probably not 100% to the pool. Some of them must end up as profit to the management.

They may choose to settle but be prepared to go ahead ...

 

[很开心]

谢谢各位的热情帮助,我会用楼上所有的方法试试.顺便回复HEATHERBEIJING, RESP是给孩子投资的教育基金.

 

[anyone8chatroom]

this is awful!
I invested and also stopped after I thought it was not a good investment.