Scotia does have a 20% down rule where they automatically take out your tax instalment. It will say as much in your documents if you have a look. Someone should have pointed it out. They do this because they are ultimately responsible for all taxes in the case of a foreclosure. They don't want a surprise tax lien that can cause a legal headache and extra costs that may not be covered with the equity of the property.
I wouldn't worry about not getting your money back. Someone will figure it out soon enough. Annoying though. I'd cancel TIPPS in the mean time.
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