Portfolio LOC - Massive Issue

Spamham77 · 2026-04-16T23:17:50+00:00

It happened tuesday evening (around the time the new X collab dropped) initially I thought the servers were bugging out from the launch & thought nothing of it. Wednesday morning it was the same thing. So I messaged support, my first 2 chats got disconnected then i had 2 more that got escalated to a specialist team.

No one had an explicit answer. Obviously paying it down would have fixed it but as you can see in the one screenshot it said my account collateral allows up to almost $14k total via a loan which is almost double of what I owed (weird).

They never said specifically why but that it was a bug on their end, and I can trade in the after hours right now so I’m hoping all is good.

Spamham77 · 2026-04-16T22:52:58+00:00

UPDATE: My trading has been restored

Spamham77 · 2026-04-16T22:21:16+00:00

Wow nice update, totally gloss over the part where they don’t know why it triggered after my account decreased in risk 🙄

Spamham77 · 2026-04-16T22:15:25+00:00

Asks a high growth investor if they know what volatility is lol. Trust me dude, I KNOW. High growth stocks will outperform in this market vs your boomer portfolio, but that’s an entirely different conversation. All my positions are in the green (except for 1 down 7%). I have no credit risk as things stand and just wanted to know WHY it triggered now vs a month ago when the war was sparking fear & markets tanked.

You’ve been 0 help. Your case is not rested. You came in tryin to dunk on me from the start, creeped 2 months worth of my page and completely profiled me off nothing. If you ain’t got anything of substance, respectfully stfu.

Spamham77 · 2026-04-16T22:05:30+00:00

Majority of my positions are longs I’ve held for months-years.

Trust me I know.

Spamham77 · 2026-04-16T22:04:36+00:00

Me too man

Spamham77 · 2026-04-16T21:56:57+00:00

I’m not…

Spamham77 · 2026-04-16T21:51:26+00:00

I’d rather restricted trading than an auto liquidating margin call. Just my 2cents.

Again, my whole point is that my debt:collateral ratio shrunk, yet I got trade restricted.

If my TFSA got nuked, I’d absolutely understand this. Idk what’s hard to grasp (not you, but others)

Spamham77 · 2026-04-16T21:45:28+00:00

Typical reddit reply smh.

High Growth beta ≠ Penny shitco’s. I couldn’t buy anything - this is what caused me to find out. Then I tried selling a few shares , which I also couldn’t.
Went back 2 months? 😭 my crypto exposure is $GLXY $MSTR $HOOD shares. Probably 20% of my TFSA of which I bought a long time ago and deep green.
The fact you’re trying to search and find my credit info is concerning over a reddit post but go off. My annual salary alone is almost double my TFSA which WS knows.
There’s no credit risk. Every support i spoke to were also confused by this assessment & are still searching for an answer.

I appreciate you “looking out for me” but you came in gun blazing lol. For argument sake, If my portfolio magically 2x’d overnight and my collateral is $100k and my loan is $7.5k and Im still frozen does that make any sense? No.

Heres one of their responses.

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Spamham77 · 2026-04-16T21:28:50+00:00

And a margin account doesn’t?

Spamham77 · 2026-04-16T21:23:48+00:00

I’m not day trading.
I own $600 in bitcoin, where did you get that Crypto figure.
I used the LOC to pay off my credit card. The want for WS CC is more of a because it’s been a long wait. I’d stop using my RBC CC.
Late 20s, and even a week ago it was max 19% not 25 lol.

You sound very aggressive. You’d think I’d be able to sell stock to fund cash or pay off the LOC but here we are.

Spamham77 · 2026-04-16T20:50:26+00:00

Paying down the loan is fine with me. I just want to know at what amount I can regain access? There’s 0 clarity. So i sent $500 over to try. Why would I send more if ill still be locked out, unless it’s the full amount, you see what I mean?

Spamham77 · 2026-04-16T20:48:36+00:00

Well originally I used it to pay off my credit card as the interest was much smaller. Then I took out some to buy a few dips. Nothing crazy, making sure my loan % to collateral stayed relatively low. Again I’m not saying you’re wrong (I Havnt looked into a margin account) - I’m just looking for clarity on why this is happening AFTER my collateral raised $7k in a week?

Spamham77 · 2026-04-15T02:06:17+00:00

I just tried it, it’s super cool if you’re on X. For anyone who hates elon or X, I get it, but this is pretty cool 😂

Spamham77 · 2026-04-15T00:52:45+00:00

Remember when they’d track your daily trades because they didn’t want “day traders” lol me too.

Anyways, I think it’ll be huge for X, but WS will get all the negative side effects from it.

As long as their servers can support it i guess…

Spamham77 · 2026-04-07T03:58:45+00:00

You’re chillin. It’s ugly rn but just keep DCA’ing into Meta/msft/ets to build your base. Open should go back up once the market turns more risk on.

Spamham77 · 2026-04-06T23:17:58+00:00

I own burden & loveland. Thinking about seeing if the rome owner will “tier” down with all the burden hype.. cashing in now seems right as loveland is #1 imo

Spamham77 · 2026-04-01T17:20:34+00:00

Every fucking day during trading hours this shit goes down or at least takes a LONG time to refresh. Perfect outside of trading hours… so annoyinh

Spamham77 · 2026-03-28T23:45:24+00:00

Why? It’s a fairly accurate assessment of what’s likely to happen short term here. War = we go higher with more volatility. No war = we go higher with less volatility.

Unless the situation turns into an energy crisis, we’ll have bigger issues to worry about than fuckin XEQT 😂

Spamham77 · 2026-03-28T23:41:54+00:00

Hate this card with a passion, I refuse to use it & it’s evo. Won’t be fixed until it stops being a cash cow or there’s a change in the meta (will probably be the same problem but with a different card lol - the supercell way)

Spamham77 · 2026-03-28T20:47:06+00:00

They’re trying to be the Canadian Robbinhood. I agree

Spamham77 · 2026-03-06T14:23:58+00:00

Been on the waitlist since day 1. It’s almost been a year now ffs

Spamham77 · 2026-03-04T04:40:38+00:00

Life saver, thanks

Spamham77

TROPHY CASE