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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.

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.

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.

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)

 

Kiara Grace is a staff writer at VORNews, a reputable online publication. Her writing focuses on technology trends, particularly in the realm of consumer electronics and software. With a keen eye for detail and a knack for breaking down complex topics, Kiara delivers insightful analyses that resonate with tech enthusiasts and casual readers alike. Her articles strike a balance between in-depth coverage and accessibility, making them a go-to resource for anyone seeking to stay informed about the latest innovations shaping our digital world.

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UN Calls For Investigation Into Mass Graves Uncovered At Two Gaza Hospitals Raided By Israel

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The United Nations (U.N.) Gaza The United Nations has urged for a thorough and reliable investigation into the mass graves discovered at two prominent hospitals in war-ravaged Gaza, which were seized by Israeli troops.

According to U.N. spokesman Stephane Dujarric, credible investigators must be granted access to the locations. Additionally, Dujarric emphasized the importance of ensuring the safety of journalists in Gaza so that they may accurately report on the facts.

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UN Calls For Investigation Into Mass Graves Uncovered At Two Gaza Hospitals Raided By Israel

Volker Türk, the U.N. human rights chief, expressed his deep shock at the destruction of the Shifa medical complex in Gaza City and Nasser Hospital in Khan Younis. He also mentioned the disturbing finding of mass graves in and around these facilities after the departure of the Israeli forces.

The individual demanded impartial and open inquiries into the fatalities, emphasizing that “considering the current atmosphere of exemption from punishment, this should involve investigators from the international community.”

“Hospitals are afforded significant protection under international humanitarian law,” Türk stated. “The deliberate act of killing civilians, detainees, and individuals who are unable to participate in combat is considered a war crime.”

Vedant Patel, the spokesperson for the U.S. State Department, expressed deep concern over the accusations of mass graves at the hospitals and confirmed that U.S. officials have formally requested information from the Israeli government.

The Israeli military has excavated the bodies that Palestinians had previously buried as part of their efforts to locate the remains of hostages taken by Hamas during their attack on October 7th, which initiated the war. The soldiers conducted a thorough examination of the bodies in a dignified manner and promptly returned those that did not belong to Israeli hostages to their original location.

The Israeli military asserts that it eliminated or apprehended numerous militants who had sought refuge within the two hospital complexes, although these assertions could not be independently confirmed.

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UN Calls For Investigation Into Mass Graves Uncovered At Two Gaza Hospitals Raided By Israel

On Monday, the Palestinian civil defense in the Gaza Strip said that they had discovered 283 corpses in a makeshift cemetery located within the primary hospital in Khan Younis. This cemetery was established during the recent period of Israeli forces surrounding the hospital. According to the group, during that period, individuals could not inter the deceased in a designated burial ground and instead excavated graves within the hospital premises.

According to the civil defense, certain corpses were identified as individuals who were slain during the hospital siege. Additional casualties occurred as a result of the Israeli military’s incursion into the hospital.

The hospital strikes have decimated Gaza’s health sector, which is already struggling to handle the increasing casualties resulting from more than six months of warfare, according to Palestinian health officials.

The matter of who is eligible or responsible for an investigation remains uncertain.

Dujarric stated that for the United Nations to carry out an investigation, authorization from one of its main bodies is required.

“I believe it is not appropriate for anyone to make premature judgments about the outcomes or the individuals responsible,” he stated. “I believe that the investigation should have both access and credibility.”

Karim Khan, the head prosecutor of the International Criminal Court, emphasized the importance of investigating any offenses committed by Hamas terrorists and Israeli forces during his visit to Israel and the West Bank in December.

According to Dujarric, the unearthing of the graves serves as an additional justification for implementing a cease-fire, resolving the conflict, ensuring increased humanitarian access and the delivery of essential products, providing enhanced protection for hospitals, and securing the release of Israeli prisoners.

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UN Calls For Investigation Into Mass Graves Uncovered At Two Gaza Hospitals Raided By Israel

The Hamas assault that initiated the conflict resulted in the deaths of over 1,200 individuals, predominantly non-combatants, and the abduction of roughly 250 captives. Israel reports that the terrorists currently have approximately 100 hostages and the remains of over 30 additional individuals in their possession.

Local health authorities report that over 34,000 Palestinians have died as a result of Israel’s military campaign in Gaza to eradicate Hamas. Approximately two-thirds of the casualties are comprised of children and women. The devastation of Gaza’s two major cities has resulted in a humanitarian crisis, causing almost 80% of the population in the area to seek refuge in other sections of the besieged coastal enclave.

SOURCE – (AP)

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Election News

Modi Is Accused Of Using Hate Speech For Calling Muslims ‘Infiltrators’ At An Indian Election Rally

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New Delhi  – The principal opposition party in India has accused Prime Minister Narendra Modi of employing hate speech by referring to Muslims as “infiltrators,” which is considered to be one of his most inflammatory statements toward the religious minority. This comes only days after the commencement of the country’s lengthy general election.

The comments made at a political event on Sunday received strong condemnation, with some accusing Modi of promoting negative stereotypes about Muslims. The Congress party lodged a protest on Monday with the Election Commission of India, accusing him of violating regulations that prohibit candidates from participating in any action that exacerbates religious tensions.

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Modi Is Accused Of Using Hate Speech For Calling Muslims ‘Infiltrators’ At An Indian Election Rally

Detractors of the prime minister, who openly identifies as a Hindu nationalist, argue that India’s longstanding values of diversity and secularism have been threatened since his Bharatiya Janata Party came into office ten years ago. The party is accused of promoting religious intolerance and occasionally even inciting violence. The party refutes the claim and asserts that its policies are advantageous to all citizens of India.

During a rally in Rajasthan, Modi asserted that while the Congress party held power, they claimed that Muslims had the primary entitlement to the nation’s resources.” Should the party regain power, it would collect all of your riches and redistribute it among individuals who have a greater number of children,” he stated, eliciting applause from the audience.

“They will allocate it to individuals who have infiltrated,” he said, questioning, “Do you believe that your diligently earned funds should be bestowed upon infiltrators?”

Mallikarjun Kharge, the president of the Congress party, characterized the prime minister’s remarks as “hate speech,” while party spokesperson Abhishek Manu Singhvi deemed them “profoundly objectionable.”

The party requested intervention from the electoral commission, which has a rule of conduct that prohibits candidates from making appeals based on caste or sectarian sentiments in order to obtain votes. The six-week election’s preliminary voting took place on Friday, and most polls indicate that Modi and his Hindu nationalist BJP will win. The results will be released on June 4th.

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Modi Is Accused Of Using Hate Speech For Calling Muslims ‘Infiltrators’ At An Indian Election Rally

Asaduddin Owaidi, a Muslim legislator and leader of the All India Majlis-e-Ittehad-ul-Muslimeen party, stated on Sunday that Prime Minister Modi has consistently targeted and insulted Muslims for political gain since 2002.

Rights groups argue that under Modi’s leadership, attacks against minorities in India, particularly Muslims, have gotten increasingly audacious, exacerbating the existing tensions between the Hindu majority and the Muslim community.

Hindu mobs have carried out acts of lynching against Muslims based on accusations of consuming beef or engaging in cow smuggling, an activity that is considered sacred by Hindus. Muslim businesses have faced economic boycotts, their houses and establishments have been demolished, and their places of worship have been intentionally set ablaze. There have been explicit calls for the extermination of their whole population.

Modi’s comments alluded to a statement made in 2006 by the former Prime Minister Manmohan Singh of the Congress party. Singh asserted that it is imperative for India’s lower castes, tribes, women, and specifically the Muslim minority, to have an equitable role in the nation’s progress.

Singh asserted that they should be given priority access to resources. Twenty-four hours later, his office provided clarification that Singh’s statement encompassed all marginalized demographics.

The Congress party, in its plea to the electoral commission, alleged that Modi and the BJP had consistently used religion and religious symbols and sentiments in their election campaign without facing any consequences. “The commission’s failure to penalize the prime minister and the BJP for their clear violations of electoral laws has further strengthened these actions,” the statement stated.

“Modi has diminished the prestige of his position more than any other prime minister in the history of India,” stated Kharge, the head of the Congress party, on the social networking platform X.

The panel has the authority to issue warnings and temporarily suspend candidates for infractions of the code of conduct.

“We refuse to provide a statement,” a representative for the commission informed the Press Trust of India news agency on Monday.

During his speech, Modi reiterated a Hindu nationalist narrative that suggests Muslims are surpassing the Hindu population through higher birth rates. The Hindu population in India constitutes 80% of the total population of 1.4 billion, whereas the Muslim population, at 200 million, accounts for 14%. According to official statistics, the fertility rates of Muslims have experienced the most significant decline compared to other religious groups in recent decades. The rate has decreased from 4.4 in 1992-93 to 2.3 between 2019–21, which is slightly higher than the fertility rate of Hindus at 1.94.

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Modi Is Accused Of Using Hate Speech For Calling Muslims ‘Infiltrators’ At An Indian Election Rally

The Bharatiya Janata Party (BJP) led by Modi has previously labeled Muslims as infiltrators and portrayed them as undocumented immigrants who entered India from Bangladesh and Pakistan. Several states governed by the Bharatiya Janata Party (BJP) have enacted legislation that imposes limitations on interfaith marriage, citing the unsubstantiated conspiracy theory of “love jihad,” which alleges that Muslim males exploit marriage as a means to convert Hindu women.

Throughout the entire period, Modi has predominantly refrained from speaking out, which opponents argue has encouraged a faction of his most radical followers and facilitated an increase in hate speech targeting Muslims.

SOURCE – (AP)

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A Russian strike on Kharkiv’s TV tower is part of an intimidation campaign, Ukraine’s Zelenskyy says

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Kiev, Ukraine — Ukrainian President Volodymyr Zelenskyy said a Russian missile assault that damaged a prominent skyline television tower in Kharkiv was part of the Kremlin’s effort to terrorize Ukraine’s second-largest city, which has been targeted more frequently in recent weeks.

The strike aimed to “make the terror visible to the whole city and to try to limit Kharkiv’s connection and access to information,” Zelenskyy stated in a Monday evening address.

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A Russian strike on Kharkiv’s TV tower is part of an intimidation campaign, Ukraine’s Zelenskyy says

The northeastern Kharkiv region borders the roughly 1,000-kilometer (600-mile) front line where Ukrainian and Russian forces have been fighting for more than two years, following Moscow’s full-scale invasion of Ukraine. During an attrition war, the front line has remained relatively static, focusing primarily on artillery, drones, and trenches.

Since late March, Russia has increased pressure on Kharkiv, ostensibly to exploit Ukraine’s lack of air defense systems. It has battered the local power grid and struck apartment buildings.

On Monday, a Russian Kh-59 missile damaged Kharkiv’s 250-meter (820-foot) TV tower, severing it approximately in half and halting transmissions.

According to a Washington think group, Russia may consider launching a ground assault against Kharkiv.

“The Kremlin is conducting a concerted air and information operation to destroy Kharkiv City, convince Ukrainians to flee, and internally displace millions of Ukrainians ahead of a possible future Russian offensive operation against the city or elsewhere in Ukraine,” according to the Institute for the Study of War, which released an assessment of the situation.

The projected arrival in Ukraine of new military supplies from Western partners in the coming weeks may have spurred Russia to accelerate its attacks before the equipment arrives, the ISW said, adding that capturing Kharkiv would be “a significant challenge” for the Kremlin’s soldiers.

Instead, the Russian military command “may attempt to destroy Kharkiv City with air, missile, and drone strikes, prompting a large-scale internal displacement of Ukrainian civilians,” it stated.

The United States Senate returned to Washington on Tuesday to vote on $61 billion in war aid to Ukraine, following months of delays. Zelensky said US President Joe Biden informed him that the aid will include long-range and artillery capabilities.

“Four priorities are key: defense of the sky, modern artillery, long-range capacity, and to ensure that packages of American aid arrive as soon as possible,” he stated.

Also on Tuesday, Britain offered 500 million pounds ($620 million, 580 million euros) in fresh military supplies for Ukraine, including 400 vehicles, 60 boats, 1,600 missiles, and 4 million rounds of ammunition.

The shipment will also include British Storm Shadow long-range missiles, which have a range of around 150 miles (240 kilometers) and have been effective against Russian targets, according to the British government.

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A Russian strike on Kharkiv’s TV tower is part of an intimidation campaign, Ukraine’s Zelenskyy says

British Prime Minister Rishi Sunak called Zelenskyy on Tuesday morning to confirm the additional aid. He made the announcement during a visit to Warsaw later that day, where he met with Polish Prime Minister Donald Tusk and NATO Secretary General Jens Stoltenberg.

However, the European Union delivered less positive news. EU countries with Patriot air defense systems provided no clear indication Monday that they would be willing to send them to Ukraine, which sorely needs at least seven of the missile batteries.

Ukraine’s army is also outnumbered in the conflict, and increasing the country’s mobilization has been a tricky matter.

Ukrainian Foreign Minister Dmytro Kuleba warned on Tuesday that authorities intend to crack down on young men of conscription age who have relocated abroad, with detailed measures to be announced soon.

“Staying abroad does not relieve a citizen of his or her duties to the homeland,” Kuleba said on the social networking platform X.

Meanwhile, Russia launched 16 Shahed drones and two Iskander-M ballistic missiles over Ukraine’s southern and central areas, the Ukrainian air force reported Tuesday morning. It stated that all but one of the drones were intercepted.

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A Russian strike on Kharkiv’s TV tower is part of an intimidation campaign, Ukraine’s Zelenskyy says

An nighttime attack in Odesa injured nine persons, according to Regional Governor Oleh Kiper. According to Kiper, the injured included two newborns and two children aged nine and twelve. Hennadii Trukhanov, the city mayor, reported that 58 flats in 22 buildings were destroyed.

Among other developments:

A Russian missile strike near Dnipro, Ukraine’s fourth-largest city, injured four people and sent them to the hospital, according to regional governor Serhii Lysak.

Russian forces launched a guided aerial bomb in Kostiantynivka, a city in the eastern Donetsk area, injuring five people riding in a car, according to authorities. Both of them were in critical condition.

SOURCE – (AP)

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