Collections & Enforcement

Loans in arrears

of 48 active loans · 6.3%

Total owing on open cases

$9,676.73

Arrears, fees, interest & legal costs

Cases with lawyer

#1066 · demand letter stage

Legal costs recoverable

$850.00

Added to loan balances

Enforcement steps follow Ontario Mortgages Act timelines. Demand letters, Notice of Sale and power of sale are issued by your lawyer. The system tracks the dates and documents. Day offsets under Workflow settings are configurable defaults; your lawyer confirms the legal timelines.

Cases

Loan	Borrower / property	Pos.	First missed	Days late	Total owing	Stage	Next action	Owner
#1187 C-14	James & Rachel Nguyen 9 Birchcliff Rd, Scarborough	1st	Sep 3, 2026	27	$3,417.42	Arrears letter	Send arrears letter · Oct 1	Daniel Brooks
#1066 C-11	Derek Lawson 14 Aspen Crt, Oshawa · behind Scotiabank 1st $310,000	2nd	Jul 24, 2026	68	$5,139.31	Demand letter	Demand period ends; lawyer to advise · Oct 10	Alex Morgan
#1152 C-13	Priti Shah 8 Willow Cres, Brampton	1st	Aug 15, 2026	46	$1,120.00	Payment arrangement Arrangement · 2 of 3 paid	Instalment 3 of 3 · Oct 9	Priya Nair
#1009 C-6	Rami Haddad 300 Elm St, Whitby	1st	Mar 1, 2026	—	$0.00	Paid in full, loan current	Paid in full after demand · closed Jun 12	Daniel Brooks

Totals include interest on arrears at the loan rate.Open cases: $9,676.73

How cases open: automatically when a payment is recorded as NSF; from Mark in default / power of sale on the loan page; from Property Monitoring (tax arrears, lapsed insurance); or by hand with + Open case. One loan has at most one open case. A payment that is simply late is not a case yet — the morning late-payment job moves the loan to Arrears, charges the late fee and creates a Collections task. Cases brought in by the data import for old NSFs start paused, with the next action "Review".

Case detail · C-14

#1187 · James & Rachel Nguyen Arrears letter

9 Birchcliff Rd, Scarborough · 1st · $420,000 at 8.99% · opened automatically Sep 5 when the PAD came back NSF

Reminder

Arrears letter

Demand letter

Notice of Sale

Listed for sale

Sold / recovered

Next action: send arrears letter, due Thursday, October 1, 2026. The borrower's promise to pay by Sep 26 was missed, so the case moved up automatically.

Stage → Arrears letter: the Sep 26 promise to pay was missed. Escalated automatically; arrears letter drafted for review.

Sep 27, 8:00 AM · Daily workflow

Lender update sent: arrears notice to R. Bhatia and Northshore Holdings Inc.; October distributions held.

Sep 8, 10:30 AM · Daniel Brooks

Call with James Nguyen: waiting on a delayed paycheque; promised full payment by Sep 26 by e-transfer. Missed

Sep 12, 2:15 PM · Daniel Brooks

Reminder SMS + email sent: payment returned, amount owing $3,396.50.

Sep 6, 9:00 AM · Automated

NSF fee applied: $250.00 added to the loan. Loan sub-status → NSF follow-up.

Sep 5 · System

PAD returned NSF: Sep 3 payment of $3,146.50. Case C-14 opened.

Sep 5 · PAD-2026-09-03 return

Contact attempts

Date	Channel	Who	Outcome	Promise to pay
Sep 12	Phone (outbound)	Daniel Brooks → James	Reached. Explained NSF and fee.	$3,396.50 by Sep 26 Missed
Sep 8	Phone (outbound)	Daniel Brooks → Rachel	No answer. Voicemail left.	—
Sep 6	SMS	Automated	Delivered. Read Sep 6, 7:42 PM.	—

A promise to pay holds the automated escalation until its date. The daily workflow marks promises Kept or Missed.

Letters & documents

PDF

Arrears_Letter_1187.pdf

Draft · generated Sep 27 · not yet sent

Draft

PDF

NSF_Notice_1187.pdf

Sent Sep 4 by email

Sent

Legal costs

Date	Type	Paid to	Invoice	Amount	Recoverable
No legal costs on this case yet. (Example from #1066: Sep 10 · Demand letter · Whitfield Law PC · · $850.00 · Added to loan)

Lenders on this loan

Lender	Share	Monthly interest	Held distribution	Notified
R. Bhatia	$250,000	$1,666.67	$1,666.67 September	Sep 8 by email
Northshore Holdings Inc.	$170,000	$1,133.33	$1,133.33 September	Sep 8 by email

1 lender update sent on this case. Held amounts show on each lender's statement and are released when the case closes.

Amount owing as of Sep 30, 2026

Missed payment · Sep 3	$3,146.50
NSF fee	$250.00
Other fees	$0.00
Legal costs	$0.00
Interest on arrears (27 days at 8.99%)	$20.92
Total to bring loan current	$3,417.42

Plus the regular Oct 3 payment of $3,146.50 when due. When everything is paid, the case suggests "Arrears paid in full — close the case".

Case controls

Notify lenders of stage changes Hold lender distributions on this loan Pause automated reminders Add interest on arrears at loan rate

Case owner
Opened: Sep 5, 2026
First missed: Sep 3, 2026
Lawyer: Not yet referred
Borrower prefers: SMS

Workflow settings

Default timing and automation for every new case. These are company defaults, not legal deadlines; your lawyer confirms enforcement timelines.

Step	Days after missed payment	Action	Template	Assign to
Reminder			NSF notice / Payment reminder
Arrears letter
Demand letter
Refer to lawyer / Notice of Sale
Notify lenders

Hold lender distributions automatically while a case is open Re-present failed PAD with the next scheduled debit Close a missed-payment case automatically when the arrears are paid (otherwise prompt)

The workflow also runs every morning at 8:00. It skips loans on hold and paused cases. Templates are edited in Documents & E-Sign → Templates.

Arrangement type

Amount to catch up

Instalments

First instalment

Frequency

MethodExtra PAD debit = added to the next PAD batch

Arrangement fee

If an instalment is missed

Date	Item	Amount
Oct 3, 2026	Regular October payment (PAD)	$3,146.50
Oct 14, 2026	Catch-up instalment 1 of 2	$1,708.71
Oct 28, 2026	Catch-up instalment 2 of 2	$1,708.71
Total catch-up		$3,417.42

Send arrangement confirmation letter for signature

Missed payment (Sep 3)	$3,146.50
NSF fee	$250.00
Interest on arrears to Sep 30	$20.92
Total	$3,417.42

Cases

#1187 · James & Rachel Nguyen Arrears letter

Contact attempts

Letters & documents

Legal costs

Lenders on this loan

Amount owing as of Sep 30, 2026

Case controls

Workflow settings