...sorry to say you have to go through it. The banks have maximised every second of their employees time to make profits....the 50k funds are in case of govt gurantee and statutory reserve is for run on bank.....when you have been ripped off by bank.....money missing from your account.....charged fees ie 15 dollats to cash 80 dollar cheque, have your account at bank but business clients refusing to accept your cheque loss of business, money posted to different account, payment not made but sitting on another account, debits and credits made on account which you are not advised. etceyc....now in the mortgages area the errors are even greater as they involve conrractors, appraisers, contractors incurancrs, group insurances, life insurances, lawyers, judges, indemnity insurances, guarantors, TDSR total debt service ratios, sales targets, comprehinsive home insurances eycetc......when anything goes wrong .....you are on your own to fight to correct it....lawyers will not go against banks who have the most money and lawyers and not have any more business....bankers usually close ranks and protect each other....and by the time you struggle to correct you have no money to continue fighting,....you are a trouble maker using up peoples time, a broke outcast you get victimized.....you lose!! ....

Many struggling Bahamians, sick at home .in bed, bedridden little children sick, paralized Bahsmians, many ill persons..... diabetics, glaucoma, cancer ans many struggling to pay electrivity bills, sacrificing, borrowing, lining up in long lines to pay to have water from the electric pump where no piped water infrastructure....water to bathe and clean babies....elderly....flush toilet.....electricity for stove...........and yinna who enjoy big salaries making plenty overtime enjoy job benefits and overstaffed.....dare threaten to cut tha electricity We paying yinna for....so yinna can argue wid government?????.....and tell Roc wid Doc see biggest boldest headline Saturday April 21, 2018 Nassau Guardian Headline 'warpath
bpl unions double down, threaten pm'
...
Govt 35 to 4 needs to declare national emergency call in the military and jail every one of those involved.
Noone particularly in hurricane prone etc Bahamas should be allowed to use any essential services to threaten the elderly, ill, infirm. Lil children... people, our businesses, our stability, our foreign guests, ....and that also goes to the airline people who like to threaten round Christmas time.......if yinna unions have a grievance pay yall money and call up yinna lawyer to solve yinna problims act like men stead a cowards,!!...and threaten wid cutti g off electricity to specially the weak, little children, suffering, strugglling, ill, handicapped!!!!

In tribune artcle 'Clerk gave bank more than her annual pay' wednrsday 16, January ,2018.

The amount of her annual pay is listed and her monthly mortgage pay is listed and there are other deductions from her pay slip from CoB. This is clearly over the debt service ratio of 45% and would jeapordise her abi.ity to repay mortgage which in this case was done because of the alleged theft from her employer and laundering it.
R,ecently there is yet another story of an RBC employee pleading guilty to stealing some 61k and may be in the bank. .
Obviously these amounts impacted profits plus should raise questing on loans.
There is another tribune article of a Scotia bank manager being terminated for allegedly not meeting targets and an case of emplouee opening a large number of deposit accounts instead of one so as to meet sales target goals.

@Sheepr someting has to be done, consumers are required to pay an exhorbitant electricity bill and further subsidized by the taxpayers for them to provide a consistent product including the provisioning for backups replacements renewals repairs etc....Comsumers required bu law to pay their monthly electricity bill regardless if dey is eating starving, somebody sic, govt laid dem off children starving, borrowing money to pay, family heaping out etc...cause if the consumer dont pay dey cut your electricity off and yinna suffer, fridge off, stove off........hundreds are without power suffer suffer.......on the other hand when dey do bad and dont provide what you pay demm for its always someting else to blame...
One law cannot apply to the consumer ....and a different one for the non production of electricity.!!!!all of these decades....35 to 4

@sheepr ...first correction to comment is the honouring of s '3.37 plus GPA stuudents' should be '3.75 plus GPA students'.......these smart students have been making huge efforts and choices to learn to be the best in the nation ....and you should be aware too of the excellence of HGM in LongIsland .......question is must every one have a generator expensive item in addition to huge sums of Taxpayers VAT expended to also provide the same.??

zero sympathy for bpl.......fire the lot...,in addition to highest charging rates....inconveniencing customers waiting after dark so they can earn overtime....long wait to line up just to pay them.....and the crap for excuses why they cannot pay for surges etc to equipment they have ruined.......at this point i am prepared to tolerate illegal foreign workers hired to replace them!!!!!!!

Simple. Unclaimed bodies. Have the bodies used by medical students.

Hundreds of parents, family members along with hundreds of A grade students, 3.37 plus GPA students in Queens College Celebration of Excellence awards ceremony perspiring in Ceremony. What message does that send to some of the nations finest many of whon sacrificed and put in long hard hours for success??

Given that this massive mortgage loan failures versus less consumer loan failures cannot be all blames on the recession. Some massive 4000 plus accounts failed before during and continues after recesdion and the recent change in banks application processes credit risk assessments have definitely slowed the defaults.
Amazingly while compatative foreign bankers have similar defaults and their defaults can be linked to unfair lending practices leading to banks investigated and found guilty and govt legislation applied ...there has not been any such thing in the Bahamas ....except to create a Credit Bureau which will definitely have those mortgagors of the hundreds of defaulted mortgaged homes still listed in regular newspapers handout periodicals.
Investigations are needed for negligence and lack of due care where bankers are guilty of fraud etc in not looking out for the success of their clients but gaining bonuses etc for selling the most bank products.It is very corrupt to think only the customers are to blame.

Given that homicide is one of the leading cause of death if not the leading cause of death in the Bahamas..?.....the increased cost of the morgue should be bourne by the scum who kill them ....instead of the continued stupidity of making the innocent and victims families pay.....didnt anyone learn that the 35 to 4 election result innocent people are fed up while the guilty are rewarded and pampered?.??!!!