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Joshua Willoughby, owner of Widgawa Lodge in Killarney, Ontario, believes that moving his bank account online can reduce paperwork and allow him more time to focus on running his clothing business.
That was before the major chaos with Desjardins Credit Union and the subsequent year-long battle with the ever-changing customer service representatives. This situation reduced his income by 48,000 Canadian dollars, and the Canada Revenue Agency made him breathless.
“It sounds ridiculous, because it is the case,” Willoughby said.
Willougby said that as early as 2016, he decided to transfer his banking business to the Internet through what Desjardins called AccèsD, a service designed to simplify and manage daily business.
Willoughby said that as part of the service, you can submit an HST remittance, and he does this once a year.
“They encouraged me to give it a try, so I thought,’Wow, it would be much more convenient, using pen and paper to make my tax return, and send a check by mail and so on,'” Willoughby said.
“So I registered with my CRA number and all these things, and then paid in 2016, 2017 and 2018, 2019.”
Willoughby said that these payments-about $48,000 in total-came from his business account, and he believes that everything is in order as the payment is withdrawn. But in February, he received a notice from the CRA stating that he was “seriously” in arrears.
Willoughby spoke with an agent of the CRA, who told him that the payment had not yet been received.
“I’m a bit cautious when doing things like online payments, so I will print out all the relevant documents. I have a copy of every submission, I send them to her, and she can see that the payment is made.”
‘Your account is no longer processed’
When he resolved the issue with Desjardins, CRA gave him a two-week extension.
Willoughby said he contacted the credit union and wanted to talk to his account manager. So far, Willoughby said that he is very satisfied with his account manager. Since he opened an account, he has been dealing with him and is familiar with his business needs.
However, she no longer processes the account.
“She said,’I was promoted two years ago and I am no longer your account manager. So I said,’Who is my account manager? What should I do when I need help? You have helped me 10 year. ‘”
According to Willoughby, Desjardins abolished the account manager position and chose to transfer the customer to the 1-800 number of the customer service agent in Montreal.
He said: “When you call a Montreal number, you will be on a waiting list, and then you will never talk to the same person twice.” “So every time, you have to explain to the other person who you are. And what are you doing in this situation.
“How could this happen to the bank? It’s crazy.”
In an email to CBC, a Desjardins representative stated that Willoughby’s case was an “isolated incident”.
“Please note that from Accès D Affaires, government payments must be made from a company account with 2 signatures,” the email said. “When a business account has only one signature, such as Mr. Willoughby’s, the payment is still pending and will not be transferred to the CRA. Then a message informs the member that all Can-Act transactions require two signatures.”
according to Desjardins website, steps involved The addition of a second signature is not included when sending money to the CRA.
Desjardins representative Jean-Benoit Turcotti said:
“According to our verification, this money Not taken From his account. I don’t know why he said that the money has been withdrawn from his account. “
Willoughby said Desjardins’ response was “ridiculous”, but at CBC’s request, Desjardins contacted him and said that they would meet with his former account manager.
Willoughby said in an email to CBC: “No one at Desjardins, even a robot caller, will be responsible or take action to inform me of this in any way I receive it.
“I want to know what kind of “message” should tell me that I need two signatures? Why have I never received such a message. At the same time, all these funds not paid to the CRA are accumulating fines and the’every time Day’s interest.”
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