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In Canada, Complex Fraud Schemes Are Targeting Homeowners

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CANADA: Early this year, Toronto police announced they needed the public’s assistance in apprehending two people involved in a complex fraud scheme.

According to police, the individuals used forged identities to pose as city homeowners. They then sold the house and handed the keys to the unwitting new owners.

Meanwhile, the true house owners had been out of the country on business since January 2022.

After noticing their mortgage payments had vanished from their bank accounts, the out-of-town couple discovered their home had been sold without their knowledge.

The incident piqued the interest of many Canadians, particularly in the Greater Toronto Area and Vancouver, where real estate is considered a national obsession due to its high cost – the average home costs more than C$1m ($749,000; £620,000) – and scarcity of housing.

Similar stories from other Toronto property owners have since emerged, and investigators say these previously uncommon cases of property title fraud appear to be on the rise.

canada

Housing Prices Have Increased In Canada

These types of cases are “definitely unique to this point in time,” according to Trevor Koot, CEO of the British Columbia Real Estate Association and a nearly 20-year industry veteran.

“I’ve never seen anything like it,” he said, referring to the level of sophistication used to carry out these crimes.

What exactly is title fraud? How much has it increased in Canada?
Mortgage and title fraud are two common schemes involving home or property ownership.

According to Brian King of King Advisory International Group, a Toronto-based firm investigating white-collar crime, mortgage fraud is more common.

It is committed when a fraudster uses forged identification documents to obtain a second mortgage on a home they do not own, usually after the first mortgage has been paid off in full or nearly so.

Title fraud, on the other hand, involves tenants posing as the owner of a vacant home in Canada and selling it to serious buyers. This results in the property’s total title transfer.

If the home has title insurance, the real owner and buyer can usually get most of their money back. The insurance covers legal fees incurred during the process and aids in re-establishing ownership.

Mr. King stated that he had seen increased mortgage and title fraud frequency since 2020.

He said his firm had seen a “rash” of title fraud in recent years. In almost all cases, the homeowners lived elsewhere when fraudsters took over their property, in places such as the United States and China and Canada.

canada

Title Fraud Is Rampant In Vancouver And Toronto

One of his clients, Mr. King said, was a couple who moved for work to the UK from Toronto canada in 2018. Their Canadian home was then sold from beneath them in 2022.

It was sold for C$1.7 million and had been completely renovated when they discovered it had been stolen last June. As of February, the couple was still canada working on getting their home’s title restored.

Between the 1960s and 2019, Chicago Title Insurance Company’s Canada branch saw only two cases of fraud – mortgage and title – according to John Rider, vice president.

They are currently dealing with dozens of cases, including at least five cases of title fraud, all in the Greater Toronto Area, which includes the city and surrounding municipalities.

Similar cases of title fraud have emerged in the province of British Columbia, which is home to Vancouver, where the average home costs C$1.1 million, albeit less frequently.

The BC Land Title and Survey Authority (LTSA) reported two attempts at title fraud since 2020, only one successful. The public corporation added that it is only aware of one previous case in 2019 and two in 2008 and 2009.

It maintains that these fraud cases are extremely rare, even though the LTSA processes up to one million land title applications annually.

canada

The Same Things Are Happening All Over The World

A similar case made headlines in the UK in 2021 when a man in Luton returned home to discover that the house and its contents had been sold without his knowledge.

On the other hand, property fraud cases in the UK appear to be on the rise. The UK Land Registry data provided to the BBC show an average of 41 reported mortgage and title fraud cases over the last four years. Cases peaked at 50 in 2016-2017.

Why are there more reports of title fraud?
Experts are baffled as to why there has been such an increase in reported cases, particularly in Toronto.

Mr. King believes that virtual real estate transactions during the pandemic may have made it more difficult to detect fake identification documents. He also mentioned that the pandemic in canada had forced some people to stay away from their homes for longer due to travel restrictions.

Others have noted the increasing sophistication of the perpetrators, some of whom have been linked to organized crime and appear to understand the Canadian real estate system well.

According to Mr. Rider, the fraudulent IDs used in these transactions frequently appear authentic, and perpetrators will hire skilled actors to pose as homeowners and carry out the scheme.

“IDs are so easily faked now that they can’t be relied on to close a C$3 million transaction,” Mr. Rider said.

There is also the financial aspect of these crimes. Real estate in Toronto has appreciated significantly over the last few decades, with the average home costing C$198,150 in 1996. It was C$1.18m last year.

“It makes sense that there is a lot of emphases on where real estate is really valuable,” said Ron Usher, general counsel for the Society of Notaries Public in British Columbia canada.

There is no escaping the fact that we live in a time when everything changes.

“These are not easy crimes to commit and are frequently caught and stopped.”

He and others have called for a national investigation to determine the underlying causes and whether more can be done to protect Canadian homeowners.

SOURCE – (BBC)

 

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Seychelles Declares An Emergency After Deadly Flooding And A Huge Blast At An Explosives Depot

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VICTORIA, Seychelles – The tiny Indian Ocean island nation of Seychelles announced a state of emergency on Thursday after flooding killed three people and injured hundreds more in an explosion at an explosives storage near the capital.

According to the health ministry, the explosion injured 178 persons, the majority of whom suffered minor injuries. It happened around 2 a.m. Thursday, following hours of severe rain and floods that began Wednesday evening, especially in the north of the main island of Mahe, however, police made no connection between the blast and the weather.

Rainwater swamped homes, washed out sections of roadways, and created landslides in some regions. Authorities say two of those killed in the floodwaters were trapped in their home.

According to the president, the incident occurred in Providence’s industrial district, around 7 kilometers (4.3 miles) southeast of the country’s capital, Victoria.

seychelles

Seychelles Declares An Emergency After Deadly Flooding And A Huge Blast At An Explosives Depot

The explosion leveled buildings, flattened trees, and created a massive crater. People in hospitals and clinics were bleeding and injured after the bomb, according to national television. The explosion did not result in any fatalities.

President Wavel Ramkalawan mentioned the flooding and the explosion when declaring a state of emergency. In the nation of just over 100,000 people, his message ordered schools to close and citizens to stay home to allow emergency services and other important workers to do their jobs.

The blast caused “massive damage,” while the flooding inflicted “major destruction,” according to the president’s statement.

According to the health ministry, those injured in the Providence bomb were taken to hospital facilities for treatment. According to the Seychelles national news agency, a police officer was treated in an acute care unit.

“The damages are huge and many families have moved out of their homes for security reasons,” he said. The aftermath of the explosion in Providence and the surrounding towns astounded him. “It was as if we went through a war,” he said.

seychelles

Seychelles Declares An Emergency After Deadly Flooding And A Huge Blast At An Explosives Depot

He said four explosives containers caused the incident and that an investigation would be conducted to determine whether the construction company that housed the explosives had taken sufficient care with their storage.

“At the moment, we don’t really know what happened,” said Jean-Francois Ferrari, a government minister who visited the bomb site. “There was this huge explosion in the commercial zone.”

“The explosion was so big, so loud,” he said. “There have been no fatalities as a result of this explosion.” Overall, the situation is a disaster, but everything is under control.”

According to authorities, the international airport and ferry services connecting islands were still operational to let residents travel if necessary amid the state of emergency.

seychelles

Seychelles Declares An Emergency After Deadly Flooding And A Huge Blast At An Explosives Depot

Seychelles is an archipelago off Africa’s east coast and a popular tourist destination. It is the smallest country in terms of area and population on the continent, with the most populous island of Mahe measuring only around 26 kilometers (16 miles) long and 17 kilometers (10 miles) wide.

Much of East Africa has recently experienced tremendous rainfall and devastating flooding. Since the rains began in late October, hundreds of people have died, and millions have been displaced across the region.

Ethiopia, Kenya, Somalia, and South Sudan have all seen flash floods exacerbated by the El Nio weather phenomena. In Ethiopia, Kenya, and Somalia, more than 130 people have died.

According to an international team of scientists, the disastrous rains in East Africa were amplified by human-caused climate change, making them more intense.

SOURCE – (AP)

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‘The Dead Can’t Hear Your Apologies:’ Boris Johnson Heckled As He Attempts To Say Sorry For Covid Deaths

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Former British Prime Minister Boris Johnson sought to apologize for the thousands of lives lost to Covid-19 while he was in office but was cut off by demonstrators.

Johnson testified on Wednesday morning before the United Kingdom’s public Covid probe, which he established in May 2021.

Johnson was bullied during his opening statement by activists believed to be from a group of families who lost loved ones during the pandemic.

When Johnson began apologizing, four individuals stood up, holding banners that read, “The dead can’t hear your apologies,” according to the UK’s PA Media news agency. Heather Hallet, the investigation chair, immediately expelled the demonstrators from the hearing.

“We didn’t want his apology,” 59-year-old Kathryn Butcher later told the agency. We stood up when he tried to apologize. We did not block anyone. We were advised to take a seat.”

johnson

‘The Dead Can’t Hear Your Apologies:’ Boris Johnson Heckled As He Attempts To Say Sorry For Covid Deaths

Butcher, who is from London, told PA Media that her 56-year-old sister-in-law, Myrna Saunders, died from Covid-19 in March 2020 and that Johnson noticed the protesters’ banners.

During the epidemic, the coronavirus killed over 200,000 individuals in the United Kingdom, one of the greatest death tolls in Europe, and Johnson’s government was heavily chastised for its reaction.

“I understand the feelings of these victims and their families, and I am deeply sorry for the pain and the loss and suffering of those victims and their families,” Johnson said in a statement.

“I do hope that this inquiry will help to get answers to the very difficult questions that those victims and families are rightly asking,” the former prime minister said in his opening remarks.

Despite beginning with an apology, Johnson would not be drawn on particular errors he or his government believed they had committed.

He defended his conduct during the pandemic, saying, “I think we were doing our best at the time, given what we knew, given the information I had available to me at the time.” “Were there things we should have done differently?” he continued. Unquestionably.”

johnson

‘The Dead Can’t Hear Your Apologies:’ Boris Johnson Heckled As He Attempts To Say Sorry For Covid Deaths

Johnson’s behavior during this period has come under significant examination due to evidence provided to the investigation by others, implying that his government tolerated a culture that prevented the appropriate judgments from being taken.

The investigation examines how Johnson and his senior staff made decisions like establishing lockdowns and why specific judgments were made at specific times. Johnson’s testimony at the panel has already made news because WhatsApp texts requested from his phone could not be provided to the inquiry owing to what he claims is a technical issue.

Some of Johnson’s most senior former aides have stated that the science presented to him “bamboozled” him, while his former chief adviser, Dominic Cummings, has been loudly critical of Johnson’s management style, comparing him to an out-of-control shopping trolley.

johnson

‘The Dead Can’t Hear Your Apologies:’ Boris Johnson Heckled As He Attempts To Say Sorry For Covid Deaths

When asked if it was unusual for advisers and officials to be as critical of a leader as they were of Johnson during the pandemic, including questions about his competency, the former prime minister said, “No, I think this is entirely to be expected.”

Johnson became the first sitting prime minister to be fined by the police for violating his Covid lockdown restrictions while still in office. The “Partygate” controversy, in which members of his team – and the then-prime minister – attended gatherings that violated national Covid laws, played a significant role in Johnson losing the support of his governing Conservative Party and leaving government.

SOURCE – (CNN)

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Indonesia’s Marapi Volcano Erupts For The Second Day As 12 Climbers Remain Missing

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PADANG, Indonesia – Officials in Indonesia paused the search for 12 climbers on Monday when Mount Merapi volcano erupted again, sending a huge burst of scorching ash as high as 800 meters (2,620 feet) into the air.

The deaths of 11 climbers were discovered earlier in the day while searching for the missing, but efforts to locate them were hampered by the resumed activity, according to West Sumatra’s Search and Rescue Agency head Abdul Malik. He stated that the search would restart whenever conditions improved.

The agency shared a video of rescuers escorting an injured climber on a stretcher off the mountain and into a waiting ambulance to be brought to the hospital.

marapi

On Sunday, Marapi erupted, unleashing clouds of burning ash.

Since 2011, the volcano has remained at the third highest of four alert levels, indicating above-normal volcanic activity, prohibiting climbers and villagers from approaching the peak within 3 kilometers (1.8 miles), according to Hendra Gunawan, the head of the Center for Volcanology and Geological Disaster Mitigation.

“This means there should be no climbing to the peak,” Gunawan explained, adding that climbers were only permitted below the danger zone, “but sometimes many of them broke the rules to fulfill their satisfaction to climb further.”

On Saturday, over 75 climbers began their ascent of the nearly 2,900-meter (9,480-foot) mountain and became stranded. Rescuers saved 52 people, including three on Monday. According to Hari Agustian, an official with the local Search and Rescue Agency in Padang, the West Sumatra provincial capital, eight of those rescued Sunday were transported to hospital with burns, and one suffered a fractured leg.

Before beginning their ascent, all climbers registered at two command stations or online with West Sumatra’s conservation office, according to Agustian. When asked how many individuals may be stranded, he claimed it couldn’t be confirmed because some may have taken unauthorized routes up the mountain, and residents may have also been present.

During Sunday’s eruption, Marapi erupted thick ash columns as high as 3,000 meters (9,800 feet), and heated ash clouds extended for miles. Tons of volcanic debris buried nearby villages and cities. According to a social media video, volcanic dust and rain covered the faces and hair of evacuated climbers.

Authorities provided masks and urged inhabitants to wear eyeglasses to protect themselves from volcanic ash as falling ash blanketed several communities and obstructed sunlight.

marapi

Rubai and Gobah Cumantiang, the nearest villages about 5 to 6 kilometers (3.1 to 3.7 miles) from the peak, are home to approximately 1,400 people.

According to Gunawan, the Sunday eruption was not preceded by a large rise in volcanic earthquakes. Deep volcanic earthquakes were only detected three times between November 16 and Sunday, while the peak’s deformation equipment or tiltmeter revealed a horizontal pattern on the radial axis and a small inflation on the tangential axis.

“This shows that the eruption process is taking place quickly and the center of pressure is very shallow, around the peak,” the scientist stated.

marapi

According to Gunawan, Marapi has erupted on average every 2 to 4 years since 2004.

Gunawan added that this eruption was not the result of magma movement and that marapi eruptions are typically sudden and challenging to detect using equipment because the source is close to the surface.

Marapi has been active since a January eruption that left no one dead. It is among more than 120 active volcanoes in Indonesia, which is vulnerable to seismic activity due to its placement on the Pacific “Ring of Fire,” an arc of volcanoes and fault lines encircles the Pacific Basin.

SOURCE – (AP)

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