finance illegal for broker to demand money before receiving a loan people who choose to is go to loan brokers should pat robinson cip trustee in bankruptcy call for a free personal discussion help with creditor problems proposal to creditors personal business bankruptcy financial counselling 9555 yonge st 401 15139 yonge st at weidrick richmond hill chureh aurora 905 5089493 9057272577 email patpatrobinsoncom web wwwpatrobinsoncom be aware of a law that offers them protec tion from pay ing money toward a loan they never receive said credit experts at the ministry of consumer and commercial relations under the loan brokers act it is illegal for a loan bro- tommw insurance rates i affordable financial security male n0n smokers rates male smokers rates 1000000 680 810 1220 1780 2910 5115 10160 female rates considerably less monthlypremiums available lowest rates for level increasing term plans no tax added to premiums quoted lowest rates for disability coverage estate protection plans special rates for select smokers call cyril gerson today for your financial security needs tel 9057646924 toll free 1 800465360 1 member independent life insurance brokers of canada agfc 250000 500000 40 233 375 45 255 440 50 358 645 55 498 925 60 780 1490 65 1435 2690 70 2593 5115 250000 500000 10000001 468 840 1525 590 1110 2150 815 1560 3050 1185 2300 4530 1798 3465 6725 2555 4755 9035 5913 11725 23350 dont miss making your 1997 rrsp contribution m the systematic investment plan sip from the blue chip thinkers at midland walwyn can help with a sip your rrsp contribution will be made automatically on a regular monthly basis and invested in mutual funds of your choice so you can relax and forget all about rrsp deadlines for more information call mark kostandoff financial advisor 1 800 6444480 serving markham stouffville uxbridge midland walwyn blue chip thinking sponsored in part by fl wwwmidwalca if youre not getting blue chip thinking just what kind of thinking are you getting ker to demand an upfront or advance fee for obtaining a loan said marilyn gurevsky a manager with the ministry in other words whether its called an administration fee a finders fee a service charge or a deposit if youre asked to hand over money before you have actually received a full amount of the loan the brokerage is breaking the law anyone who wants to deal with loan bro kers should insist that any fee for obtaining the loan is deducted from the amount they receive under the law loan brokers may not charge a fee before they obtain a loan for a customer must give a full refund within five days of any fees that may have been given up front may be charged with civil damages greater than the fee charged in contravention of the act if the consumer takes the matter to court and if convicted can be fined up to 25000 and one year imprisonment for individuals and up to 100000 for corporations the ministry cautions consumers to make certain they understand every part of their contracts with loan brokers before they sign but before even thinking of calling a loan broker gurevsky said consumers should reach out toward an agency that can help them find the longterm solution the first place to turn is the nearest member agency of the ontario association of credit counselling services staff at the service provides a full coun selling session that is completely confidential and in most offices doesnt cost anything if you read that last line and thought what financial position im just plain broke and theres no way out pick up the phone and call right now said gurevsky for details call 18002630260 our new years gift to you lease a new 1998 accent l 5year100000 km powertrain warranty 3year60000 km 24hour roadside assistance program electronicallycontrolled 15 litre 4cylinder multivalve engine dual remote control mirrors full folding rear seat only per month 48 months best buy award winner 1996 1997 and 1998 carguide magazine hurfivl the new hyundai driving is believing hyunoni markham hyundfll div markham fine cars ltd the new hyundai 5829 highway 7 east 9054725525 driving is believing 48 month ease based on 850 down plus 1st month security deposit frieght pdi license all taxes jm if your confidence in the post offices reliability is wavering come on in and see us we can take care of all of your delivery needs from printing right through to delivery we can deliver your flyers anywhere in markham unionville stouffville uxbridge and surrounding areas dont deiaycall today v call linda macfarlane at 9052948244 economist sunthe tribune service design printing delivery price your one stop advertising company