TD has screwed me enough times to leave for another bank; Considering everything I had was with Canada Trust, that was no small feat... but a consistent and ongoing problem of:
Told them I was traveling, please don't lock the cards; cards locked for fraud protection on day 1 and we cant check into hotel. Spent the night in a bar that accepted the backup cash.
Inheritance cheque was "Lost" and took 2 years to recover the money. Thank fuck for taking a photo of it on arrival.
Account hacked- brokerage account. No way anyone could just randomly get into it or have conned us; we check it once a year at best. took almost the entire account in 499 increments until it was dry. Took a year took a year and police investigation to get that money back.
Ongoing small fees and interest that should not be there trying to get snuck past on statements.
Finally left after almost loosing a hundred grand.
No one who values their money should ever do business with that bank. They cant even do the one thing a bank is there to do.
I know a bunch of out of work framers. No one wants to pay their rates... The megacorp developers rather wait for a few to get desperate enough to take the poverty payouts.
Worked nights for 7 years from the age of 18.... Biological clock defaults to 3am-noon regardless of timezone. Anything happening in the AM results in me being a zombie. Trouble getting to sleep before midnight... I've lost jobs over this. Wasn't a problem before I took that job....
So let me get this strait... if you're struggling to make the 3200$ rent payment each month... because your roommate dipped or you got your hours cut... your credit rating gets tanked. And a tanked credit score means banks can charge you more for loans. Additionally future landlords and (apparently now even employers) are legally allowed to pass on you for ... let me get this right... being unlucky?
Theres no one single issue, but all of the above happening at once AND a population boom at the same time to top it off. We need an all-of-the-above approach to fix it too. Remove zoning restrictions, make lending for multiplexes easier, build public housing as fast and as much as possible, and found new towns... to name a few.
No shit, its either you have 3k a month to spend on a basement or you're living in a tent.