This company has blind billed me for almost $15,000 for money I have not received, and will not release me or my husband from our contract.
My son and I both suffer from a disability. I made the mistake of phoning the National Benefit Authority about applying for benefit. I initially thought that this was how I was supposed to apply. When I spoke to them they told me that the majority of those who apply on their own get denied and that it is rare for anyone to get approved without their help.
My husband signed the authorization without realizing that it was a contract and that there was no way in the contract for us to cancel. We asked to be released from the contract and they refused, we are bound for life basically. Even if we decide to retry for the benefit in 5 years, we are still bound to give them 30% of the proceeds.
They sent us the form that you can print off the Revenue Canada website, and we filled out one part and our doctor filled out the other. They then sent it to revenue Canada. For this they expect to receive almost $10,000 from my son's claim alone.
They have constantly ******** me and my doctor, to the point where my doctor refused to work with them any longer. After we were initially denied, I told them I didn't want to proceed and I revoked their authorization to my revenue Canada account. They have repeated requested to be put back on the account, and threatened to blind bill us if we did not. Now they have blind billed me for almost $15,000 for money that I have not received.
They make you believe that you can't do it without them, and then they get you to sign a one-sided lifetime contract that they call an authorization. After that they mail the forms to you and your doctor and by the time you realize that they basically do nothing, you owe them thousands of dollars.
I have contacted my MP, ***** ********, and he has advised that we can also file a complaint with the RCMP, as our contract was signed after Bill C-462 (An Act Restricting the Fees Charged by Promoters of the Disability Tax Credit) received royal assent.
We have never received any money from Revenue Canada, and the National Benefit Authority has blind billed us for what they think they would have received. I have a disability and have limited income, how can I pay them this money, when I never received any? They keep requesting to be put back on our Revenue Canada account in order to reverse the bill, but I do not trust this company now, and I do not want them to have access to all of my personal information.
In conclusion, the cost for the services provided is astronomical. They are profiting handsomely from people with disabilities. Further they are ********* people who have not even received money and refuse to cancel their contracts, even after they are told their services are no longer required.
We want the blind bill and our contract cancelled.
NBA was retained by the complainant to assist with the filing of the Disability Tax Credit (DTC) application in respect of herself and her son. As the largest company in Canada assisting those with disabilities and their family members become qualified for the DTC, the complainant made a wise choice. While one can certainly apply without the assistance of a company, NBA is proud of the fact that it has helped many who have been denied on their own, qualify after using our service. In fact, 66% of previously declined applicants got approved after using NBA's service.
Our client agreement and CRA's authorization form are straightforward and NBA customer service representatives are always available to answer any questions a client might have before and after they decide to use our service. Our contract clearly states that if we are successful in helping you receive money from the CRA in respect of the application prepared by NBA, we will invoice for 30% of the money received. Following the time period that is the subject of the NBA application, no further fees will be owed. NBA only invoices on retroactive funds received. Future years are not subject to any fees.
Our service can be broken down into 2 parts. One, we assist with the entirety of the certification process. Two, we ensure that detailed tax adjustments are prepared and sent to CRA on your behalf so that once approved, you get all of the money you are entitled to. Money is not simply received as a result of the filing and approval of the DTC application.
The complainant's application was going smoothly until following the filing of hers and her son's application with CRA, further information was requested from her Doctor by CRA which was needed before a final file determination could be made.
In this specific case, the information was not returned to CRA within the prescribed timeline and the CRA did not have the information it requested to make a final decision. This is where things got complicated. It appears that we experienced issues with the complainants Doctor and the Doctor was no longer interested in communicating or working with NBA on the complainants behalf. The Doctor also moved offices, which contributed, to the delays and frustrations.
The notice of determination the complainant received is what's referred to as a 'soft decline' which means for the time being, until such time as CRA receives the additional information it has asked for, the file is held in limbo. The complainant is mistaking this letter as a decline of her application and has asked NBA to cancel its services for her. It is for this reason that we cannot cancel her application with us. The file has yet to be completed.
The complainant and her husband were invoiced for amounts we expected them to receive following the cancelation of NBA authorization on their accounts with CRA. Without this authorization, NBA is unable to see the result of its efforts on their behalf. Was a final determination made? Was money received by the complainant as a result of our application to which money is now owed? Should the complainant not wish to reauthorize, NBA would respectfully request CRA statements of account showing no monies were received as a result of our application at which point the files will be closed.
Please be advised that NBA supervisors have reached out to the complainant by phone but we have been unsuccessful in reaching her. We want to be able to understand better what transpired, why the complainant decided to no longer use NBA's service, and what we could've been done differently to better serve the client. We aim to provide a high level of superior customer service to our clients and pride ourselves on the thousands of successful claims and satisfied clients. We regret the complainant did not experience her NBA journey like many others and hope to rectify this situation with a mutually agreeable resolution.
If you require any further information, please let me know.
(The consumer indicated he/she DID NOT accept the response from the business.)
With respect to the fee of 30% of money received from the CRA, NBA over-exaggerated the work that would be done by them, and also made us feel that it would be nearly impossible to get the credit on our own. The work done by NBA is minimal, amounting to maybe 3 hours of work (they have spent many more hours trying to collect their fee than they actually have doing any work). As I mentioned in my complaint, the forms are filled out by the person with the disability and the doctor, not by NBA. In fact, I even had to print the forms, after which I filled out my portion, and then I provided the documents to my doctor and my doctor mailed them in. I note that NBA has not provided a breakdown of the work done and the hours to do so. Even if they were to have worked 10 hours per claim, which I dispute, this would amount to $1,000 per hour for my sons claim, and $500 per hour for mine. I was misled about the amount of work involved and about the need for a third party provider to obtain my claim. The Canadian government appears to agree with me, as Bill C-462 (An Act Restricting the Fees Charged by Promoters of the Disability Tax Credit) has received royal assent.
NBA claims that they "ensure that detailed tax adjustments are prepared and sent to CRA on your behalf so that once approved, you get all of the money you are entitled to. Money is not simply received as a result of the filing and approval of the DTC application". This is not true, as the CRA makes these adjustments themselves, and it is not necessary for the Applicant to submit this to get their refund. This was a misrepresentation made by NBA. As proof of this, see page 2 of the T2201 Disability Tax Credit Certificate which says that if an applicant needs the CRA to "adjust a tax year to allow a claim for the disability amount, include Form T1-ADJ, T1 Adjustment Request, or a letter containing the details of your request, with your completed Form T2201". Although a Form T1-ADJ can be submitted, it is not necessary. An Applicant simply needs to request in a letter to the CRA that the disability credit be applied to the tax years approved by CRA when they accepted the claim, and the CRA will make the necessary adjustments. I have proof of this from another claim made by an acquaintance of mine. Basically, the only thing that NBA did, was fill out the one page per year tax adjustment, which was not even required. Other than that, they sent a form letter to my doctor with directions on how to fill out the form (which are already provided by CRA).
Further, it was out of my hands when my doctor refused to work with them. My doctor was uncomfortable with the amount of so called "guidance" provided. NBA asked my doctor to fax his completed form to them prior to sending it to the CRA. My doctor refused, as the forms indicate that the completed form must be sent directly to the CRA from the doctor. As my doctor was standing in the way of NBA obtaining their large percentage, they found it necessary to ****** him with phone calls. My doctor is preparing a letter outlining how he was ******ed by NBA. Then after I received the refusal, they continued to ****** me. If I decide to submit further information, NBA still wants their 30%, even though they will not have done the work.
Further, the so-called authorization is actually a contract which provides the consumer with no means to cancel ever, even if the services are substandard, and with no termination date. To make it worse, these contracts are made with people with severe disabilities, making it likely that they don't understand exactly what they are agreeing to.
They claim that my refusal was a "soft refusal". I wonder how many of the 66% of previously declined applicants who the NBA claims got approved after using NBA's service received a "soft refusal" that simply required additional information?
I have called the NBA back in mid-July and left a voice mail. My phone call has yet to be returned.
I phoned the CRA to ask them for a letter confirming that no money was paid, but they say that they do not issue such letters.
I have all documentation supporting my claims, and I can provide it if necessary.
I have not received the services that I was lead to believe I would, instead my doctor and I did all of the work, NBA prepared a couple of tax forms that were not necessary, and in the end I was refused and blind billed $15,000 for money I never even received.
Final Business Response
As stated, in the interest of customer relations, the aforementioned invoice and associated cases have been closed and we wish the complainant all the best in all her future endeavors.
Final Consumer Response
(The consumer indicated he/she ACCEPTED the response from the business.)
I confirm this and trust that this case is now resolved.