Mortgage Broker

Summer 2014

Mortgage Broker is the magazine of the Canadian Mortgage Brokers Association and showcases the multi-billion dollar mortgage-broking industry to all levels of government, associated organizations and other interested individuals.

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TD Canada Trust 1-2h.indd 1 14-07-15 11:45 AM MORTGAGEBROKER mbabc.ca summer 2014 | 45 legalprocess a copy by registered mail to the individual. If the defendant is a company then the notice of claim must be served by delivering it to the company's registered and records office. Replying to a claim Once you have been served with a notice of claim, you have 14 days from the date of service to file a reply. e reply is a template form that requires you to fill out the reason why you dispute the claimant's claim. Small claims forms are available on the Ministry of Justice's website at http://www.ag.gov.bc.ca/ courts/forms/scl/scl002.pdf. Failing to file a reply within the 14 days of service allows the claimant to take default judgment. It is essential to seek legal advice as soon as you are served with a notice of claim. If, as a defendant, you want to advance a claim against the claimant, you can file a counterclaim at the time you file your reply. If you think someone else should pay the claim, you can file a third party notice setting out why you think the third party should pay the claim. e third party notice adds that other person to the lawsuit. Settlement conferences and mediation Aer all the initial court documents are filed, the court will schedule a settlement conference conducted by a small claims court judge. e judge will try to find common ground between the parties and assist them to reach a settlement, if possible. You must bring all your relevant documents to the settlement conference. ere is no requirement that the parties settle a claim at a settlement conference. Some small claims court locations have mandatory mediation. In those locations the court will schedule mediation and provide the parties with a mediator to try to help the parties settle the claim. Proceeding to trial If the matter does not settle at mediation or a settlement conference, the court will schedule a trial conference. You must complete and file a trial statement form at least 14 days before the trial conference. You must also serve the trial statement on all other parties at least seven days before the trial conference. A trial in small claims court generally requires witnesses to attend in person to testify and be available for cross-examination by the opposing party. Unless there are special circumstances, you cannot have your witness swear an affidavit and submit it to the judge. If you want to have an expert give evidence you must serve the other party with a summary of the expert's evidence at least 30 days before the expert testifies. Supreme Court Litigation The notice of civil claim A plaintiff starts a lawsuit in BC Supreme Court by filing a notice of civil claim. e notice of civil claim must be personally •

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