[Mccree]

Originally Posted by You Need a Thneed

12 years or so ago, I opened up a RRSP acct at my bank, and began putting a small amount into it every month. I never have touched the money in the acct, just letting it accumulate.

A couple of weeks ago, I decided I wanted to transfer the RSP money into a direct investing acct, where I can buy/trade my own stocks with that money.

Long story short, there was a problem with the transfer, and they have me call them. They tell me that they cannot make the transfer because the two accounts are not of the same type (apparently). My new direct investing acct is registered, but this RRSP account I started 12 years ago is somehow not showing up as a registered account according to the bank - just a regular investment acct. The bank guy I just talked to seemed to say that there was no record of a registered acct ever being tied to my name there.

I know with 100% certainty that the account was originally applied for as an RRSP, and I know that I have never asked to change it. I know I've gotten tax slips for the RRSP amount contributed for this acct in previous years (I have no other RRSP accts that I could confuse it with)

What do I do here? Is there any tax problems that I could concievablely get into? I've been entering the RRSP amounts contributed into my taxes every year (I think without forms for the last couple of years), I think the bank has sent me T3s for the acct too, which I've entered into my taxes (The interest earned/growth would have small amounts - but I should check how much it actually affected my taxes from past years returns).

RRSP accounts DO NOT have T3's attached to them.