Today... time is running out

It is 7am March 21, 2026, not an entirely irrelevant date, actually.  I woke up about an hour ago and broke down in heart wrenching sobs. In fact, I cried so hard with such passion that I had to get up because my head was so stuffed up I couldn’t breathe.

I have had many conversations with God over the last couple of decades, this was just the most intense. I cannot fathom why I am so unimportant that he has yet to take the millisecond it would take to improve my life. I have been diligent in my efforts to do whatever it seems he wants me to do. 

I have remained for the most part calm, kind and moved through my life with a level of grace. Waiting and hoping for guidance and support to “make a difference” in a big way! I have always believed that that is my destiny. At least until this month.

What changed this month? I have been under attack for a number of years and I have never surrendered always having faith that every challenge, every lesson was to prepare me for the eventual role he had in mind for me.

This past month has been epic in the sheer volume of challenges, never mind the vastness of them. 

If I had to say when my life changed from bearable to desperately sad, I would have to say that it started with the incident with Better Business Bureau. 

The year was 2003, I was living in Kelowna, British Columbia, Canada. I had a small internet company as described by the local television station. I had 11 employees. 

Things were comfortable. The business was becoming strong, stable. We had found a combination that was destined to accomplish my long time goal. To Make a Difference. What started out as selling pay-as-you-go internet cards, to helping another company expand into a payday loan business. Our fees were not huge to begin with and as their business grew we started tapping into another area of finance.

We became the bridge for Angel Investors and Idea People. Today the world would automatically include us with groups like Dragons Den. The concept was the same but it was prior to Dragons Den inception.

One area of the business was Angel Investors and Inventors, another was developing a search engine. Google was out there, but we had some innovative ideas that eventually, Google mimicked. Now they might have had them in the works, but we had already launched ours. Another area was assisting our Investors with a charity arm; a way to actually “make a difference” with donations from the Investors.

All was moving along and everything as they say “looked rosy”.  There was a young man from Australia who was looking to us for funding his project; bridge financing until it was launched. We worked at matching investors who had backgrounds in similar fields. In that way, the Investors could keep an eye on their investments and the inventors would be able to tap into relevantly experienced mentors.

As far as this young man was concerned, he had left it too late and was now in a panic. He felt we were not moving along fast enough for his situation. So, he started basically stalking us. We had a company working on a piece of art depicting what we were about, kind of a mural/logo idea. Well to this day I have no idea how he managed to contact the guy, but one morning when I arrived at work there was an email from this man that included a picture of the artwork, that even we had not seen!

That should have caused concern, alarms should have been going off, however, we were doing all that we could to complete his funding, so I didn’t heed the warning.

A week or so later, another email arrived from him giving me a link from the local BBB (Better Business Bureau). They allowed people to upload whatever information they wanted to their website with no validation that what they were loading held any truth, no back-up or proof of any kind. He had created 18 pages of absolute nonsense, posted the nonsense on their site and directed the local TV Station to the posting! Within minutes there was a gentleman from across the street (where the local TV Station resided) knocking on the door with the camera rolling.

Chaos erupted from that point on! This quiet little internet company was newsworthy! They say that any publicity is good. I would argue from my standpoint that that is not true! Within days my little internet company went from oblivion, to national scandal!

The coverage started on Friday and on Monday I received a letter from BBB that they were a neutral party. Well, I had spoken to them on Friday and they wanted me to respond to his 18 pages of allegations. I did within an hour, 22 pages to be exact with proof showing that he had fabricated every part of his posting. By the time I got the letter on Monday the posting had been deleted from their site and since then, if someone wants to make allegations they; BBB now verifies every instance.  Did me no service whatsoever as the damage was already done and the story went nation-wide, as the highlight of the story was that one of my employees was none other than - Daniel Lear; Canada’s largest tax evader!

We had paparazzi at the office, they surrounded my home, walking on my property trying to get a glimpse into my home. It went on for weeks and in a very short time my thriving business was no more! I tried to weather out the storm, I let some of the staff go and just kept skeleton staff but with no income and all our Investors distancing themselves, my well meaning business was no more.

I collapsed the business, licked my wounds, tried to rally and slowly faded away. My confidence, my desire, the loss of friends, business and family drove me into such depression… at one point I was admitted to the psychiatric ward because I had tried to end my life.

I had been using the services of one of Canada’s largest accounting firms and when I wrapped up the business they handled the entire process. When we filed the tax return the losses were such that the return total was a $34,000 refund.  Well, looking back I now think; not certain, but I think the reason they decided I was not entitled to the refund had more to do with having had Dan Lear as an employee. At any rate they disallowed the refund and instead decided I owed them $21,000.

One posting on BBB caused me to lose my once thriving business, dash hopes of charities that we had been Making a Difference to, laying off my staff, and the list goes on. It is 23 years later and I have never recovered. Both financially and emotionally.

I suffer with PTSD and have an emotional support animal; Jingles. That is a whole other story….

Okay so over the years the Revenue Boys have harassed me, stalked me, threatened me and caused me to lose many employment positions, caused me to be evicted and taken away any possibility of feeling safe. They are relentless and I have to say, some of the people; “boys”, not once did they assign a female to deal with me, have been more than understanding. Some have even been kind although they still have a job to do. Others, well … not so much. At one point I was renting a room from a friend of a friend. I was gainfully employed in a seasonal job with the provincial liquor store. I guess this particular agent had taken it upon himself to play a role of a private eye??? He actually followed me home (stalking) called on the neighbor who lived across the street and told her to tell my landlady that if I did not call him within 24 hours he would be checking into her file!  What happened next? Well upon receiving the threat, she immediately reacted by tossing me out!

Employers, upon receiving a Requirement to Pay, would magically find a reason to end my employment, as the last thing they wanted was to have CRA looking through their books! I cannot tell you how many times they were responsible for ending my employment.

Every three months or so they would re-assign my case to yet another agent who would contact me and threaten me. You need to pay this outstanding amount… well if you would let me keep my job, that would certainly help me to try! 

At one point there was a gentleman from Penticton that called me, we had had a few conversations by this time and he had called to wish me a Merry Christmas. He said that he wished he had a magic wand because he would make my file just disappear! After a few minutes of conversation we were ending the call and I wished him a Merry Christmas and told him I hoped he would get a magic wand from Santa! 

I would go from having a bully, to having someone considerate over many years I have met a gambit of personalities at the Revenue Service. Most of them agreed with my earning abilities, that I would never be able to make a dent in the outstanding amount, as penalties and interest accrue daily. 

A few years ago I returned to my home province of Manitoba and of course another agent was assigned.  After a few lengthy conversations he asked me if I was okay with him trying to see if he could convince the powers that be, to close my file. Hmm, let me think about that… YES Please!

It took over 2 years but eventually they agreed to “Write it Down” meaning, that unless there was something major that changed, ie, I got married or I won the lottery, they would stop chasing me.  They would still be charging me interest and penalties, so the amount would continue to grow, but they would stop the harassment and the Requirement to Pay process.

True to their word, they would send out statements letting me know the updated amounts, but no more chasing me. The initial amount was $21,000 in 2003 and last year it had grown to a whopping $182,000. I averaged about $40,000 a year. I am a widow, I am almost 70 years old and to be honest I am exhausted.

I have been made to live with the concept that I am an absolute failure. That because of the process that BBB utilized, my life has been forever changed. I have never given up, well I failed at the attempt when I tried to give up… but I have continued to try.

I have fought, I have continued to fight, I have stayed strong in the belief that I deserve a decent life. So 23 years later I have stayed strong, warrior-like. I am an army-brat. I was actually born in an army camp. I now live within an hour of where I was born. And the fight continues.

I am trying to get in front of the British Columbia Human Rights Tribunal for 2 cases of discrimination, having been forced to sell and leave my mobile home. I will include, “my story” below. Now the full ramifications to that battle… last month CRA sent me a letter saying that they are coming after my assets. I assume that because I was forced to sell my home there were proceeds, they deem that I should have given them the funds from the sale, of course not taking into account I still require a place to live! As I said previously I am almost 70 years old and anyone that has a clue what Canadian Pensions are, realize the only way one can almost get by is to own their own home. That was my goal when I purchased the mobile home… having been forced to leave it, it was imperative that I replace it. Homelessness is not an option.

I did a Canada-wide search for a home with 1 bedroom + under $50,000 and over 4,000 showed up! My mother lives in Manitoba, she is 95 this year! I hadn’t been able to see her since before covid 19 because of finances and Covid19 so I chose one of the 428 homes for sale in southern Manitoba.  And now CRA is threatening to take it from me.  I have been having quite the month.

I was looking at acquiring a companion for my beautiful support dog. We are in the middle of no where on the prairies and he needs someone to pal around with. I went through the process of finding what I thought would be a great match. The night before I was to foster her, CRA sent me the letter that they were coming after my home. My stress levels were so high that the fostering did not go well… they could sense my anxiety and it just grew throughout the day… at 8:30pm I resigned myself to I COULDN’T HANDLE IT, so I got in my car and drove 3 hours round trip to take her back to where she had been fostered.  After all, if CRA took my home, I would be homeless with 2 dogs and she was such a beauty, I did not want to be responsible for her having NO home!

So no companion for Jingles and possibly no home for the two of us… then the next week, I drove the 3 hour round-trip to buy groceries and none of my cards would work! I had planned on using credit as this month is going to be tricky… well my bank of 18 years decided to do a credit report and found out that my score had dropped because of being forced to rent a second place to live while I fought to be able to return to my trailer. My credit score had been 850 and dropped below 600, so the bank dropped my credit card limit $1300 which meant there wasn’t enough on the card to pay for my groceries. I transferred monies that I had been putting aside for my property taxes and put back a bunch of groceries…  and then… I had ordered a screen protector for my cell phone and when I applied it it destroyed the touch pad on my phone… I’m feeling like I am very close to the edge of a very deep abyss and the slightest wind is going to push me over the edge.

I have no idea how I am going to make it through the next few hours never mind the next few days… if I can’t replace those savings, then I won’t have enough to pay the taxes, even if I manage that, CRA might take the house and then I am a 68 year old widow with an emotional support animal, living in a 2003 Buick Century in balmy Manitoba, in March!

Maybe, just maybe the one thing I can succeed at after over 20 years of failing is to end my life! And for all those who wonder why I have fought to keep JIngles, well getting up everyday to wonder what other crap is coming my way… being responsible for him has been what has kept me in warrior-mode…what would happen to him if I am not here?

Do I find a way to take him with me? It all seems so cruel… The place I bought I bought sight-unseen. I saw pictures that were taken before it was abandoned. It sat empty with a leaking roof for the better part of 5 years. There had been a 14 year old girl squatting in the place right up until I pulled into the driveway. She had a thing for breaking glass, pottery anything like that… the place looked like a war zone!

Every window needs to be replaced. I ordered windows at the beginning of October, for what was then the bathroom/laundry room. They arrived in Brandon yesterday. They are paid for, but I have no way of getting them here. I have no money to cover gas even if I can get someone to pick them up for me. They are for this house, 135 years old, brick and basically a money pit. I have sucked up the fact that maybe it wasn’t the smartest thing I could have done… not an epic fail but I have spent 7 months removing plaster and lathe, over 30 trips to the dump! I have firred out the walls to 6” so each room I have renovated has R22 insulation… 4 down and 2 to go. There are 7 more windows that have to be replaced because they are all broken/cracked and one can see the outside at every exterior door! It has been a cold, not brutal thank god! Winter. My pension is just under $1500/month and the hydro bill is averaging $700/ month which only rarely gets the place warm, not hot and certainly not cozy… 

I just keep going like the EverReady Bunny, cause if I stop I don’t know that I will be able to physically or emotionally motivate myself to go again! I have done all the renovation by myself with 3 exceptions. I hired a plumber who did very poor work and charged me 50% more than he quoted. I hired an electrician, who has left me with one room completed and the other rooms… not working properly or in some cases, in complete darkness. And my neighbors son and buddy to install the ceiling drywall.

If people would just leave me and my dog ALONE! If they had left us alone in our trailer, if they would just leave us alone now… I am tired… so fuckin tired… I am just an old woman with a dog… I have worked since I was eleven years old. I started out as a chambermaid at 11. that is 57 years and the fight continues… I want peace, solitude, to feel safe. I don’t need much, just as well cause I don’t have much! 

MY Story

In 2021, I was working with Jessica (22 year old) she was buying a 3 bedroom house, it was on native land, so it was just the house. We were earning about the same salary. I was renting a 3 bedroom house for $1750 per month and $600 for utilities. I decided if Jessica could do it I should be able to buy too. 

I put an offer on April 13, and moved in July 1 st 2021. I was given an exception for Midas 

he was about 30” tall and 135 lbs. I did not disclose my PTSD as I had already been given the exception. The lease agreement is missing the 8 page addendum, which describes the exception. I was never given those pages so I cannot say definitively that it was a single exception or on-going. 

I moved in July 1 st and started paying pad rent although the probate/sale did not complete until November 17, 2021. That was when I started the renovations. When asked if I would be replacing him once he was gone I said NO, as he suffered with separation anxiety and I had spent all but 5 days with him in over a decade! I didn’t realize that my PTSD was dormant because I had Midas to keep it bearable. 

His absence caused my PTSD to return with a vengeance. My PTSD was overwhelming me. I had no reason to get up in the morning and I was falling asleep in the Living room, no need to get up and go to bed! My world was collapsing around me.

I started looking for a new companion. We; Midas and I walked about 8.5 km a day. I sent 3 profiles to the property Manager. She said no to all three and not once in 11 conversations was the height restriction of 15” mentioned. 

Sunday afternoon I was on-line and found a puppy who looked like he was in trouble. His ears are down and back They are looking for someone to foster him I met them half-way between Kamloops and Kelowna, in Vernon. I brought Sawyer; Jingles home. 

Jingles was a third smaller than Midas had been. When I called the Property Manager's office Monday morning the neighborhood busy-body had already told her about Jingles. Where previously the Property Manager had given me an emphatic NO 3 times, without mentioning the actual height restriction. 

It took her 8 days before she came to my home, which left me to believe that with the profile information I had sent her, she had agreed that he was okay! ON the 8 th day she came to the door; Jingles did his job of barking at the door bell. I opened the door and she said “he has to go”. I was devastated. 

I went over her head and sent and email to the head office To Whom It May Concern and got a call from Eric Brabender; CFO. I had enclosed the Doctor’s note in the email which stated I had to keep him “requires an emotional support animal for medical reasons. It was dated the 7 of July 2022. So they were aware of my Mental Health issues three years ago!In my email I asked for an exception, I informed him that I would be starting the training for Jingles to become a certified service animal. If however, I was not give the exception would they allow me to finish my reno and sell? 

During the phone call Eric and I spoke about his golden doodle. I said he wouldn’t be able to live here because his dog would be too big. Did he think his dog would be able to walk 8 km a day every day. That is what I do, I walk 8.5 km a day 365 days a year and I need a sturdy dog to do that. 

Shouldn’t I be able to choose who I share my bed with? 

At that point the Property Manager, the CFO and the CEO all knew he was my emotional support animal. That I was working on getting him certified and they still wouldn’t give me the exception! 

They ignored my medical reason and insisted that I complete the renos and leave or “get rid of Jingles” the CEO had said NO. 

Once I let Shelly know that I had gone over her head the stalking and bullying escalated! When I approached BC Tenancy they said there wasn’t much that they could do and that I should contact BCHRT. Debra @ legal advisor with BCHRT said that “management needs to accommodate my needs. They provide services (lot & water) accommodating tenants with a disability related need for a service or therapy animal is a key part of providing discrimination- free housing and complying with the BC Human Rights Code. That conversation took place on February 21, 2024. She said I needed to keep the eleven conversations with Shelley where she not once mentioned the 15” height restriction. That same day at work my phone was stolen; RCMP C-1563863. I lost hope. (my file for BCHRT were only on my phone)

In late October of 2024 I considered ending the fight. After contemplating what to do with Jingles; to drop him off at the BCSPCA or find a home or end his life as well, I realized that I would then be allowing them to win! I realized that I had nothing left to lose because less than 6 weeks later they were going to demolish my home if I didn’t have it sold by then. (at one point there were 8 trailers for sale in this property; anyone looking had to be wondering why there was such an exodus). That is when I made the decision to go full-on with BCHRT. 

My trailer had been sitting empty, I rarely got more than 4 hours sleep a night because I was trying to figure out how to maintain both the trailer and all the additional expenses of keeping both places, the storage and the insurance. My job is extremely physically demanding and I was wearing down. This last three years has been overwhelming. I cannot believe that there is so little a person can do in order to just be left alone to live in peace in their own home! I cannot be separated from my dog! He allows me to function. 

When I had initially moved in my credit score was 850. It dropped below 600 because I was unable to maintain the payments because I had to come up with the damage deposit, pet deposit, rent and moving expenses. My greatest fear has always been that of becoming homeless. I spoke with a 

trustee who told me to make the most minimal payments on my credit and start accumulating the funds to cover the move. I did and in that I managed to be able to get a place, under normal circumstances I would NEVER have considered moving into a place like that but these were 

desperate times. 

In order to be able to buy on the West Side; which is the only place I could have any size dog, you have to have a credit score of 730 or you wouldn’t be allowed to lease the property, so now I had to sell and there was no where I could move to! 

Shelley holds absolute power. She decides who can ignore the rules, who has to fear her, she can veto any sale. When told that I had to sign the Mutual Agreement to end the lease it was definitely under duress. (she stalked me, every time I was outside and she was near where I was she would roll down 

her passenger window and ask me questions regarding the renovation, why was the for sale sign down, etc. She has my phone number, she has my email address and she knows my physical address, so there was absolutely no reason to follow me around and harass me. 

The Mutual Agreement Mar 29, 2024 Agrees to vacate July 1, 2024 Extension to August 1, 2024 

License to Occupy July 20, 2024 Does not include Jingles Ends 5pm November 20, 2024 

Must remove home December 31, 2024 BREACH will have home removed within 7 days or 

Reach agreement with Licensor for DISPOSAL!(of course, I understand that moving it is not an option!) THREAT!!! 

License to Occupy November 13, 2024 Does not include Jingles Ends 5pm March 31, 2024 

Must remove home April 30, 2024 BREACH will have home removed within 7 days or 

Reach agreement with Licensor for DISPOSAL! All resultant costs the responsibility of the Licensee! (no one else has been threatened in this way and there are a number of trailers sitting empty!) 

She proved she had her power by denying a woman the ability to purchase a trailer in the park for her disabled brother. She deemed him a renter and there are supposed to be “no renters” in the park, although that rule is being broken, as well. Also, as my trailer was in probate for the first five 

months I lived here, I technically was a renter and she should have been getting the pad rent from the estate! Shelley fluctuates at her whim which rules she will overlook depending on who is breaking them at the time. 

BASIC RULES 

No more than 2 individuals, there are at least 2 homes I know of that there are more than 2 people living in. 

2 pets per site, again more than 2 homes 

Must be on a leash at all times, chocolate lab which is much larger than either of my dogs can be seen off leash without an owner is sight! (he hasn’t been told he has to leave, that he must sell or they will demolish his home and send him the bill. 

Noisy vehicles, plenty of those 

All vehicles must be road worthy, licensed and insured... she must really like this guy, he has a renter, who sells drugs, has two vehicles only one of which is registered and licensed. 

No rv’s, boats, trailers, commercial vehicles – park does not provide parking and they must be stored off-site. Over 20 people are breaking that rule. 

No selling or soliciting – one of her “friends” sells illegal tobacco, has 5 vehicles and had her RV on the main road for over a week

one sells drugs and one has a grow op that is well over the allowed amount of 4 plants. 

The rules are for the benefit of all residents. The rules can be overlooked if you are friendly toward the property manager. 

I had to pay rent July 15 th to secure a place I could possibly afford. Moved August 1 st as per Mutual Agreement Extension. Rental lease included; Simmi Ghuman at 284 Murray Crescent; not a legal suite. Pet, damage, additional 15 days in July, August 1 st rent etc. 

What it took to cover the costs associated with not being able to live with Jingles in my home; as there was no exception given in the license to occupy (the only thing it represented to me was the open threat that if I didn’t sell in the outlined timeframe, was that they were going to demolish my newly renovated home and send me the bill for the disposal).The costs I incurred from the time I moved out until the time I returned to my home were as follows: 

July 1 st to 15th $ 700.00 

August 1st 1400.00 

storage 225.75 

moving 750.00 

Insurance Increase 131.07 

Total 3206.82 

Next 7 months rent1200.00 

storage 225.75 

Insurance increase131.07 

utilities 80.50 

Total per month 1637.32 

Total for second residence $11,461.24 

Hotel from may 1 st to 8th 1100.06 Bc tenancy 

Hotel for workdays 344.85 Slept in vehicle on days off 

GRAND TOTAL $16,112.91 

I want compensation for injury to dignity, for the three years that I was not allowed to enjoy the home I had created for myself and my dog. 

Initially I wanted to return to my home, build a fence and be left to enjoy peace and quiet with my dog; Jingles. I realize now that with the constant rumors generated that that would be impossible. Shelley has done major damage to my ability to be a thought of as a “good neighbor” except to 

those immediate to my place. 

I would like to request that the Injury to Dignity, and the stress caused by literally being put in a position of a homeless senior who ironically is a home owner paying all the associated costs of my home and not being able to live in it. The duress and anxiety for the past 3 years, I have had to endure along with the stress added to Jingles life be of significant amount as to cause the people who made this situation so incredible that they will never treat anyone in this manner again. However, there is not an amount that I could ask for that would not seem like I am doing this for the compensation. 

I believe that the same amount I had to put out of $16,000 would be reasonable. I would hope that Shelley is removed from the position of power over a group of seniors who should be treated with respect. That they should be allowed to feel safe from the Property Owners representative, 

I believe that to be fair, she should be removed from any position that gives her authority over seniors. 

Fear of being homeless, losing Jingles, the ability to breathe, feeling like a failure on all fronts, losing my job over the stress of all of this, depression and stress over financial affairs, loss of choice of where I can move to – westside no longer an option because of Credit Score. I have aged incredibly 

with the stress, my dog is sad because I won’t allow him to interact with people or pets. He was so sociable before this started that we would go to the airport dog park and he would move from one group of people/puppies to the next for an hour without any incidents and now that he only gets to be on leash he doesn’t get to be with his buddies! Three years of being persecuted. There was a rumor that he bit someone, not true, then it expanded to he killed a dog, last I heard he had killed 2 dogs. There are two responses I have for that, 1) he only had the incident where his foot was run over and I was not attached to the leash for less than 3 minutes, no one was bitten. 2) he has never been off-leash so I am fairly certain that if he was fighting/killing a dog I would have noticed and stopped it. And 3) I believe the authorities would have stepped in. 

When I first put my property up for sale there were 8 others that were for sale just in this park. Anyone looking to buy would have to ask themselves, “why is there an exodus?” I have never had anything in writing – no incidents or complaints. We stayed with no bona fide complaints for 2022, 2023, 2024 and 2025. 

I took the job I now have because they allow me an hour for lunch. Everyday I drive 20 minutes to go home to spend 20 minutes with Jingles and then drive 20 minutes back to work. I decompress and then go back to work refreshed and more than capable of offering the best customer service! 

I treat people the way I want to be treated. The golden rule... the company that owns this property should go back to the basics and offer the same thing. Treat the people who live on the property with the respect and concern that they would want if the roles were reversed.

The discrimination – if it is solely about the pet rules, then others should have to follow them as well, adhere to the rules. Bigger dogs, more than 2 pets, etc.The additional discrimination – no one else has been threatened with having their home destroyed, removed and charged for the cost of disposal. 

(at least not until this case was filed with BCHRT!) 

The emotional, financial and personal chaos that I have been thrown into over a dog being a bit too tall, as an emotional support animal this is just to absurd to be true! 

I listed the trailer for sale August 23 of 2023 (Craig Smith) dropped price 

Spoke to trustee January 4, 2024 (Darrin Surminsky) 

Relisted March 14, 2024 (Tamara Terleski) dropped price 

July 19, 2024 (park manager) needs to know if vacant 

July 20, 2024 listed (Anthony Sheppard) 

Dropped price September 8 th 2024 

and October 12 th 2024 and 

November 4 th 2024 Down over $60K from first listing.

Back to today March 21, 2026

I have put this together, but have no idea what I am going to do with it… do I start a blog? Should I publish it? Who would want to read about it? 

Is there some forum that can help me? Would sharing my story inspire others to continue their fight?

What is the point?

Misery loves company… that is the motto that comes to mind… maybe someone can direct me to some solution, some entity that can help me continue?

Seems God has given up on us… this week after all the crap that has been dropped in my lap… my faith that things will work out is like an old flashlight battery…it is fading very fast… I will be in total darkness soon.