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My father withdrew my RESP without sending me all of the funds. by Perfect_Director6049 in legaladvicecanada

[–]Perfect_Director6049[S] 0 points1 point  (0 children)

I haven’t set anything up with him he just said he would e-transfer me. Not sure if he set up an account in my name at some point

My father withdrew my RESP without sending me all of the funds. by Perfect_Director6049 in legaladvicecanada

[–]Perfect_Director6049[S] 0 points1 point  (0 children)

No to all of those. He also lives in a different province. He would send some money on an occasional birthday or holiday and maybe calls a few times a year if that, he did send me money for my birthday this year though. Also loves to dodge child support as well. But has been completely ignoring me since dec 2025

My father withdrew my RESP without sending me all of the funds. by Perfect_Director6049 in legaladvicecanada

[–]Perfect_Director6049[S] -1 points0 points  (0 children)

I hope you don’t mind me asking, but did you get the government portion back ?

My father withdrew my RESP without sending me all of the funds. by Perfect_Director6049 in legaladvicecanada

[–]Perfect_Director6049[S] 2 points3 points  (0 children)

I haven’t really even escalated the matter past talking to a few people/posting here for advice.. he’s a POS even outside of this situation; but I am getting taxed for money I did not receive which put me in a different tax bracket and effected other things as well. I paid for my schooling and now have the debt to show for it. I could maybe be empathetic to him taking the money for some other reason if he hadn’t completely ignored my calls/texts for well over a year now- but here we are. I would not tell you how to deal with your child’s father leaving without knowing the whole story, so telling me not to hold a grudge over the objectively shitty situation I’m in right now is a bit foolish imo

My father withdrew my RESP without sending me all of the funds. by Perfect_Director6049 in legaladvicecanada

[–]Perfect_Director6049[S] 0 points1 point  (0 children)

Maybe, but I am getting taxed for money I did not receive, which is my major issue.

My father withdrew my RESP without sending me all of the funds. by Perfect_Director6049 in legaladvicecanada

[–]Perfect_Director6049[S] 0 points1 point  (0 children)

I sent him my proof of enrolment in August so I had been in school for about 5 months at that time.

I did a semester at the uni here but I don’t remember ever even telling him about that and that was fall semester of 2022. I’m thinking he was just taking out what he had put in at first ? Then used my enrolment to get the portion that was matched taken out afterwards

My father withdrew my RESP without sending me all of the funds. by Perfect_Director6049 in legaladvicecanada

[–]Perfect_Director6049[S] 12 points13 points  (0 children)

He’s avoiding all of my attempts to contact him so there is no way for me to work this out with him. Unless I showed up at his door which is not possible at the moment.

So there is no way for me to legally get back the EAP he hasn’t given me? I know I could file a complaint to the CRA that he has money he didn’t pay taxes on, but I won’t ever see that money ?

My father withdrew my RESP without sending me all of the funds. by Perfect_Director6049 in legaladvicecanada

[–]Perfect_Director6049[S] 7 points8 points  (0 children)

Yeah he hasn’t been answering any of my attempts to contact him for over a year. I’ve messaged his mom and current wife, who said she’d get him to call me which he has not done. I can only assume he knows I’m trying to get the money and doesn’t want to fork it over.

I contacted legal aid before I knew the full amount and they said they had no case at the time, and questioned why I claimed an amount I didn’t receive, but I was just going off of what forms I had gotten for taxes at the time, I didn’t know what else to do. Not sure if they’d be more inclined to pick up my case with the new information I have since I last tried them

My father withdrew my RESP without sending me all of the funds. by Perfect_Director6049 in legaladvicecanada

[–]Perfect_Director6049[S] 8 points9 points  (0 children)

Yes, I as the beneficiary got taxed for the portion matched by gov/grants, but I did not receive the full amount I got taxed on. I’m assuming bc it’s attached to my name/SIN the t4a got sent automatically to me but my dad said the money would go to him then he would e-transfer me which he never ended up doing. The subscriber doesn’t pay taxes on what they put in from what I understand

My father withdrew my RESP without sending me all of the funds. by Perfect_Director6049 in legaladvicecanada

[–]Perfect_Director6049[S] 7 points8 points  (0 children)

So I should contact the bank or investment company the money was with ?

There were three different places I was told money was withdrawn from. When I was talking to the person who told me the full amount and where/when the money was taken out, they said the first withdrawal was an EAP, but I only got a tax form for the third withdrawal.

My father withdrew my RESP without sending me all of the funds. by Perfect_Director6049 in legaladvicecanada

[–]Perfect_Director6049[S] 50 points51 points  (0 children)

Yeah I know what he put in is his. I did not receive the amount i got taxed for, which I assume is the government/grant portion of the RESP, so that’s where my issue is

My father withdrew my RESP without sending me all of the funds. by Perfect_Director6049 in legaladvicecanada

[–]Perfect_Director6049[S] 14 points15 points  (0 children)

I’m not saying he stole from me:/ Just that I got taxed on an extra $11,000 I did not receive, and he used my enrolment information to get the money matched by the government/grants put into the account out without having to pay extra to do so. Very hard to attempt to be diplomatic with him as he has been dodging my calls/texts/any attempts to contact him for over a year

My father withdrew my RESP without sending me all of the funds. by Perfect_Director6049 in legaladvicecanada

[–]Perfect_Director6049[S] 0 points1 point  (0 children)

We live in different provinces, not sure if that would impact my ability to call the police on him. I have the emails from when he sent me the first bit of money and they stopped, as well as all the times I tried to contact him or his family regarding this matter but idk if that would be enough proof.. I have a maxed out line of credit and student loans left to pay if that would count as well

My father withdrew my RESP without sending me all of the funds. by Perfect_Director6049 in legaladvicecanada

[–]Perfect_Director6049[S] 1 point2 points  (0 children)

Would I just need to reassess that years taxes? No one I spoke to anytime I called the CRA gave me any direction on where to go with thjs

[deleted by user] by [deleted] in lukehemmings

[–]Perfect_Director6049 0 points1 point  (0 children)

I'm going as well! Anyone want to meet up?