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Updated by user Nov 19, 2016

We did not take the loan out. We have no idea what type of loan the person who really did take it out.

We had never seen any paperwork involving details or were ever told any verbal information. We do know that the loan officer told us that our paper would be destroyed when the person who took out the loan came in and signed.

He did go in the next day and did sign as sole guarantor. It was the loan officer who committed this fraud as well broke a verbal promise he made to us.

Updated by user Nov 18, 2016

Sorry for the errors. I have been so stressed.

I also forgot to mention that it was the loan officer,s bank,s manager who gave me the three papers with three different dates. I somehow feel he knew we were innocent, wanted me to get a lawyer. But he did not act on the banks fraud and have a full investigation or contact the police. He should have helped us.

I think many people who had information taken had been contacted by this crooked loan officer as he became an insurance agent.

I also had wondered if he and the person who took out the loan were working together.

We had found out the loan officer was fired from the bank. That in itself shows he was not a forthright person.

I was told by government agencies that if I had a good lawyer I would definitely have a claim to sue. But TD has protected itself from the laws many times. Their ombudsman is even an employee of the bank so not impartial.

Look at the ponzi schemes they covered up. Look at the coin counting machine fraud at their bank.

Their lawyers fought hard to protect TD assets but the bank failed to protect the general public. We are another example.

Original review posted by user Nov 18, 2016

We were victims of a loan officers illegal activities. He falsified documents I from of us and made my husband sign a document he should not have since it was not his loan but a former business partner of his late wife,s.

The person who took out the loan owed us a great deal of money and we were there to collect a small portion of it in the amount of 40000.00. The loan officer told my husband he should sign as he had to show his manager in order for the cheque to be cashed. We were desperate and under great pressure. The person who took out the loan was placed on speaker phone and told us it was his loan and he would be in the next day to sign as sole guarantor as it was his loan.

So we lived our lives until 2 years later when threatened with a lien on our home. We went to the bank and reported this to the bank manager. We asked for him to call the police. He told us to get a lawyer and that the bank had an internal investigation department.

I asked for the loan officer and was told he did not work there. Actually when we returned home we were called by the loan officer but he asked for the name of the person who took out the loan. This made me wonder if so one at the bank told him we came in? Then I wondered this was wrong a breach of privacy as he had stolen our personal information.

He said he was asking for the other person as he was selling insurance. I asked him to help us and he said he could not as he signed a confidentiality agreement with TD. Hmmm? That was obviously broken as he stole information.

For 2 more years we called the bank ombudsman and bank. No one would help. They actually took us to court and did not even tell us we could be there to defend ourselves. I have seen that they presented the falsified document and stated that my husband and the other man were in on the day I was there.

I actually have in my possession 3 documents. One for 2 days before we were there. One for the day we were there and knew for the next day the other person signed as sole guarantor. They never showed the judge this.

That is illegal. The judge ruled that we must pay as we are guarantors. No evidence was made to the fact that their employee committed fraud. He ruled we must pay the entire amount of the persons loan and it was about 60000.00.

We did not pay as. I had tried to get help from other ombudsmen and government agencies. The bank would not admit this was their fault. Even the president of the bank would not help though he said he would.

They ended up placing a lien when we were selling our home.We had to pay 50000.00. Another person at. TD told me it was 40000.00. Another person 60000.00.That was a deal as they told me it was 70000.00.

I actually called the horrible man who took out the loan he told me he did not know we were involved and it was not our loan and he was guarantor. He told me to give them his phone number and for them to call him. He also said he signed off and payed them some money about 20000.00. I told the bank.

They never called him. And why did they lie about the amounts. Ombudsman office will not help. They never investigated this and have broken their code of conduct mandates.

I am thinking of naming the branch in a public forum as I cannot believe they think they can get away with this. I probably will as I have not received Our money back. Oh....I was also told by an employee that if I paid the lien there was a chance I would get the money back and they would help me. That is so wrong to trick us.

This was the Ombudsmans office. TD bank is not with the OBSI. They opted it and are not impartial when you have a problem. Why would the government allow this?

People that know us know this has been an injustice. My husband was actually diagnosed with a fatal illness. The bank knew this but still did this to us. They have to be accountable for the damages they have done to is.

I panic each time I see a delivery truck in my driveway. I have lost trust for this bank. I am offended and will never get over this. I feel like crying when.

I see their logo. I have nightmares as this money is a lot to us. It was stolen by this employees bad conduct and ruthless collections and lawyers.

Be careful what you sign.

When that gut feeling grips you go directly out the door. CIBC is very honest as is the Royal Bank. This bank if you read their code of conduct seems to be above board but in fact they are not.

Believe me. Pity the fool.

Reason of review: Bank Fraud and Breach of Privacy.

Monetary Loss: $50000.

Preferred solution: Full refund.

TD Bank Cons: Bank, Td bank denies responsibility, Td bank did not investigate, Td bank is heartless, Td bank is crooked, Td bank has lawyers that withhold evidence.

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