Oh, I've been to the branch in person twice and left incredibly frustrated. I'm basically googling "ombudsman" right now and trying to figure out which one I should call and how that works.
I'll try to be succinct:
-Scotia renewal rate sucks, broker gets me great rate with MCAP
-I sign MCAP documents 14 days before renewal date
-Either MCAP sent payout statement request late or Scotia dragged their ass
-$3200 in penalties added to mortgage, I fight with Scotia, they refuse
-I tell broker I can't proceed with MCAP, I do not sign updated doc and DO NOT pay $900 portion of penalties by credit card
-MCAP proceeds anyways 6 days later, do not know why
-MCAP suggests "reversing" mortgage back, Scotia says not possible
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