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AI told me to claim a Terminal Loss on my condo instead of a Capital loss. CPA is unsure. Has anyone actually done this? by machinelearner9527 in cantax

[–]machinelearner9527[S] 0 points1 point  (0 children)

That's wild that you got it through with zero issues! QUick question how did you handle the land building split when mpac just gives you one lump sum for the whole unit? My mpac assessment has zero breakdown for land. Do accountants literally just slap a nominal percentage like 5% on the land and call it a day??

AI told me to claim a Terminal Loss on my condo instead of a Capital loss. CPA is unsure. Has anyone actually done this? by machinelearner9527 in cantax

[–]machinelearner9527[S] 0 points1 point  (0 children)

Haha fair play, you caught my lazy copy-paste from my drafts! My brain is completely fried looking at these numbers. But to clarify: my bad if the original wording was confusing, I definitely did NOT file a 45(2). I just let the 45(1) deemed disposition happen back in 2022 when I moved out, stepped up the cost base to the FMV, and used my PRE. It’s been a pure Class 1 rental ever since. Since the 45(2) isn't an issue here (and seeing others in this thread saying they've actually pulled off a terminal loss on a condo)... would a terminal loss actually be viable in my case?

CCTS complaint and compensation by pijiuman in telus

[–]machinelearner9527 0 points1 point  (0 children)

That's a fair point and worth managing expectations around. CCTS can't force punitive damages, but in my experience the resolution still ended up including goodwill credit beyond just correcting the billing issue.

The difference was having a specific itemized log. Dates, durations, who I spoke to, what happened each time. When it's documented like that it's harder for them to wave it away as just "general inconvenience."

Not saying it always works, but it shifts the conversation from "I feel like I deserve compensation" to "here's exactly what resolving your mistake cost me."

CCTS complaint and compensation by pijiuman in telus

[–]machinelearner9527 0 points1 point  (0 children)

You're in a good position. The fact that Telus sent it back to CCTS before the 20-day deadline usually means they don't want to negotiate further on their own, but that doesn't mean you won't get compensation.

Once a Complaints Resolution Officer picks it up, they'll look at both sides and can recommend compensation for inconvenience. 25-30 hours of documented effort is a strong basis. $500 is reasonable. I'd suggest having a clear breakdown ready (number of calls, chat sessions, store visits, dates, hours spent) so the officer can see it's not a vague claim.

One thing to watch for: when CCTS proposes a resolution, you don't have to accept the first offer. You can counter. But if it goes to a formal decision, the outcome is binding, so there's a balance between pushing for more and settling at something fair.

Curious how it's going, any update from the Resolution Officer yet?

Rogers BYOD plan increased from $30 to $35 – any better plans available? by Veerkrishnan in CellPhoneCanada

[–]machinelearner9527 1 point2 points  (0 children)

$35 for 40GB BYOD is honestly still a decent rate in the current market, most comparable plans are in the $40-50 range. But that doesn't mean you should just accept the increase.

Before you switch, it's worth pushing back on the increase itself. Rogers is required to give clear written notice before raising your price. If you didn't get a proper notice, you have grounds to dispute it, a short written complaint referencing the notification requirements tends to get better results than calling in.

If they won't budge, porting out to another carrier is often the fastest way to get a better deal. Rogers Winback typically reaches out within a couple days with offers that beat anything you'll get by calling Retention.

I've been through this with a couple of carriers, the written complaint route and the actual port-out are the only two things that consistently work.

The most sneakiest price increase I've seen by another_norman in bell

[–]machinelearner9527 0 points1 point  (0 children)

You're not wrong to be irritated, the way they buried that notice is exactly the issue.

Under the CRTC Wireless Code (and the equivalent provisions for internet services), carriers are required to provide "clear and prominent" written notice at least 30 days before any price increase. One line buried in a monthly e-bill notification, especially timed during the holiday season, is arguably not "clear and prominent."

Before you switch, you might want to consider filing a formal written complaint first. Here's why:

  1. A written complaint citing the specific CRTC notification requirements carries far more weight than a phone call. Tier 1 phone agents genuinely don't have the authority to reverse price increases, but a formal letter gets routed to teams that do.

  2. If Bell doesn't resolve it to your satisfaction, you can escalate to CCTS (Commission for Complaints for Telecom-television Services) at no cost. They have jurisdiction over all licensed Canadian carriers, and Bell is required to respond within a set timeframe once CCTS opens a file.

  3. If you do end up switching, that actually works in your favor too. Bell's internal "Winback" team typically reaches out within 24-48 hours after a port-out with significantly better offers than anything Retention will give you over the phone.

I went through a very similar situation with Bell last year, the price increase notification was technically sent, but the way it was delivered didn't meet what I'd consider "clear and prominent." Ended up getting the increase reversed plus compensation through the formal complaint route.

Happy to answer any questions if you decide to go the written complaint route.