coronavirus financial relief
Petition to Justin Trudeau, Erin O'Toole, Jagmeet Singh, Elizabeth May, Yves-Francois Blanchet, MPs on House Finance Committee, Senators on Senate Banking Committee, Chrystia Freeland
Make Canada's Big Banks help during coronavirus crisis, and after
While millions of Canadians and hundreds of thousands of small businesses are suffering from the coronavirus crisis, Canada’s Big 6 Banks gouged out record profits of more than $46 billion in 2019! That works out to more than $22 million in profit every hour banks are open – 3% higher than in 2018, and more than double their profits in 2010! This is the 10th year in a row the Big Banks’ profits have gone up – has your pay or profit increased every year for the past 10 years? The heads of the Big 6 Banks were also paid a total of $75 million in 2019 ($12.5 million each on average). Canada’s Big Banks make among the highest profits of any banks in the world because the federal government has protected them from competition and bailed them out and given them many favours over the past 50 years. The Big Banks reaped these record profits every year for the past 10 years in part by: firing thousands of people; cutting services, and; hiking fees and credit card interest rates to gouge you even more than they were already (even though interest rates have dropped to record low levels). The federal government has failed in the past 30 years to stop the Big Banks from gouging their customers and treating them unfairly. Now, with the coronavirus crisis hurting millions of Canadians, and even though the Big Banks can afford it, the federal government still hasn’t made the Big Banks give everyone a break by cutting their gouging interest rates and fees, and cutting loan payments completely if needed. The federal government also continues to refuse to make the Big Banks pay their fair share of taxes to help pay the costs of the crisis. Canada's Big Banks paid a tax rate of only 16% over the past 6 years -- lower than banks in other G7 countries. The Big Banks also exploit tax loopholes more than all other Canadian big businesses. The Big Banks must be required: To cut all their interest rates and fees in half now, and to cut loan payments entirely for anyone who needs it for the next few months, without requiring payment or extra interest later; To disclose the profit level of every part of their business (credit cards, mortgages, lines of credit, each other type of loan, bank machines, and investment and insurance divisions) after fully independent audits; To keep all their interest rates and fees at a level that gives them no more than a reasonable profit (for example, many U.S. states limit credit card interest rates); To disclose how many people and small businesses apply and are approved or rejected for loan cuts, low-interest credit cards, other loans, by type of borrower, and require corrective actions if a bank discriminates against any type of borrower (as the U.S. has done for 30 years); To re-open basic banking branches in neighbourhoods (where they closed them in the 1990s) to help get rid of predatory pay-day loan companies (and low-cost banking at Canada Post outlets should also be allowed); To support the creation of an independent, consumer-run financial consumer watchdog group (as MPs and senators recommended in 1998) so consumers have a place to call for help if they are gouged or treated unfairly, and to get fully independent, expert advice; To pay their fair share of taxes now, and in the future, by closing all the loopholes they exploit (as England and Australia have), and; To cut the pay of their CEO and other top executives to no more than 40 times their lowest paid employee. Enforcement measures and penalties also need to be strengthened to ensure the banks don’t ever gouge, rip-off or treat their customers unfairly, and pay high penalties if they do. Enforcement is much stronger in England, and in the U.S. Please Sign and Share this petition now calling for these key changes to make Canada’s Big Banks give everyone a break on interest rates and fees, pay their fair share in taxes, and treat everyone fairly, now and after the coronavirus crisis is over. See more details at: http://betterbanks.ca
Petition to Government of Canada
#Don'tForgetStudents | #N'OubliezPaslesÉtudiants
The federal government has responded to the COVID-19 crisis with an unprecedented series of measures to protect Canadians who have lost their income due to the economic impact of the virus. We welcome the measures the government has already taken to ensure that Prime Minister Trudeau’s ambition that “no-one gets left behind” becomes a reality. Despite the substantial relief programs that the government has quickly assembled to make sure that no Canadian falls through the cracks, many vulnerable groups are at risk of being left behind because they do not qualify for the Canada Emergency Response Benefit (CERB). Students and recent graduates who have not lost a job as a result of the COVID-19 outbreak do not currently qualify for the CERB. This includes students and recent graduates who cannot find work, have had start dates delayed, and/or internships and summer jobs cancelled entirely. Most don't qualify for Employment Insurance, as EI requires one to have worked a minimum of 420 hours in the last year. Furthermore, the 6-month moratorium on Canada Student Loans repayment doesn’t help current students and the class of 2020, who will already receive a 6 month interest-free grace period upon graduation. Students and recent graduates who are just starting their lives and careers now face the most uncertain job market since the Great Depression. Students need to pay for tuition, books, and other living expenses so that they can invest in their futures. Many have expenses due now, and will have no source of income because of the crisis. We implore the Government of Canada to provide income support to cover all students and recent graduates, regardless of prior work experience and income. In particular, the $5000 per year income threshold that is currently attached to the CERB will leave behind many students and recent graduates who were unable to work in the last year because they were pursuing their studies. It is not too late for our government to act to ensure that students and graduates receive the help they need. ___________________________ Le gouvernement fédéral a répondu à la crise de la COVID-19 avec une série de mesures sans précédent pour protéger les Canadiens qui ont perdu leurs revenus en raison des impacts économiques du virus. Nous accueillons les mesures ambitieuses déjà prises par le gouvernement pour s’assurer, comme le souhaite le premier ministre Trudeau, que « personne ne soit laissé pour compte » au Canada. Malgré les programmes d’aide substantiels rapidement mis en place par le gouvernement pour s’assurer qu’aucun Canadien ne tombe entre les mailles du filet, plusieurs groupes vulnérables sont à risque d’être laissés de côté puisqu’ils ne sont pas admissibles à la Prestation canadienne d’urgence (PCU). Les étudiants actuellement aux études et les nouveaux diplômés qui n’ont pas perdu leur emploi en raison de la COVID-19 ne sont présentement pas admissibles à la Prestation canadienne d’urgence. Les critères actuels excluent les étudiants incapables de trouver un emploi, ceux ayant une offre d’emploi dont le premier jour de travail a été reporté ainsi que ceux dont les stages ont été complètement annulés. La plupart des étudiants ne sont pas admissibles à l’assurance-emploi, puisque l’assurance-emploi nécessite d’avoir travaillé au moins 420 heures dans la dernière année. De plus, le report du remboursement des prêts étudiants de six mois n’aide pas les étudiants actuels et ceux graduant en 2020, puisque la plupart bénéficient déjà d’une période de six mois sans intérêt après avoir terminé leurs études. Les étudiants et nouveaux diplômés, qui débutent leur vie et leur carrière, font actuellement face au marché du travail le plus incertain depuis la Grande Dépression. Les étudiants doivent payer leurs frais de scolarité, leurs livres et leurs autres dépenses courantes pour pouvoir investir dans leur avenir. Plusieurs d’entre eux ont des dépenses qu’ils doivent payer maintenant et se retrouvent actuellement sans revenu en raison de la crise. Nous implorons le gouvernement du Canada d’offrir un soutien du revenu qui s’applique à tous les étudiants actuels et nouveaux diplômés, sans égard à leur revenu ou à leur situation d’emploi. En particulier, la nécessité d’avoir un revenu de plus de 5000$ par année pour être admissible à la PCU laisse de côté plusieurs étudiants actuels et nouveaux diplômés qui ne pouvaient pas travailler l’an dernier en raison de leurs études.Il n’est pas trop tard pour permettre aux étudiants actuels et ceux ayant récemment gradué de recevoir l’aide dont ils ont besoin. Il n’est pas trop tard pour permettre aux étudiants actuels et ceux ayant récemment gradué de recevoir l’aide dont ils ont besoin.
Petition to John Horgan
Grant Tetyana Melnychuk her Bachelor of Science in Nursing degree which UNBC withheld through discrimination and abuse
Chairs of nursing schools can declare any nursing student "unsuitable" just as a matter of personal dislike for that person. The University of Northern British Columbia (UNBC) waited until the end of my registered nurse training program to fail me in the last course, thereby maximizing their revenue, the bank's profit, and my student debt. This happened even thought I was one of the top nursing students. It was part of ongoing discrimination, abuse, and persecution against me by three nursing instructors and the chair of the nursing program at UNBC, who did not like the fact I am an immigrant English Second Language student and a single mother. UNBC consistently supports the chair of UNBC's School of Nursing, no matter what she and some of her faculty members do to nursing students. UNBC officials turn a deaf ear to the students' complaints unless the student can afford a lawyer. Not surprisingly, since 2011 UNBC has banned lawyers from the student appeal process. I now owe a huge student debt with no means of repaying it or of supporting myself and my minor son. According to a lawyer, I have a human rights case against UNBC. However, without legal representation, I am unable to defend my rights against UNBC and obtain my registered nurse degree. Moreover, Legal Aid and pro bono legal services do not provide help for low income people in cases such as mine. Provincial governments have privileged universities, but failed to protect students' rights and interests. Publicly the BC government deplores the increase in child poverty! Please do not ignore this family; help and make one child's life better. I am asking you to help me obtain my Bachelor of Science in Nursing from UNBC, so that I can write my registered nurse exam, receive my registered nurse license, find work, pay off my student debt, support myself and my son, and become a self sufficient member of society. What Martha MacLeod and some other UNBC instructors have done to some UNBC students is horrible. UNBC must be compelled to treat its students fairly. Students' rights need to be protected, and one of the best ways to do that is to allow students to have representation by a lawyer through all four stages (instructor, chair, dean, senate) of the appeal process. This assistance needs to have funds available so that low and middle income students can enjoy the same effective rights as the wealthy. Please support us and pass this petition to others. Thank you very much for your support. To know more about how UNBC has mistreated me, follow this link http://discriminationabuseofnursingstudent.blogspot.ca/
Petition to ICBC , MLA: Hon. John Horgan, CBC/Radio-Canada, Global News
British Columbians should get insurance breaks from ICBC
People are not commuting to work due to COVID-19. Why can’t ICBC give drivers a break on their premiums that reflect the “devastating impact” of the COVID-19 pandemic; while most insurance companies in other provinces give their drivers at least 50% - 75% rebates during this crisis period? People are driving less and therefore having fewer collisions. ICBC should give all of its drivers a “stay at home payment of 50 per cent rebates; especially those who lost their jobs due to COVID-19 should get at least 75 per cent refunds of their monthly auto premium” Hence the only trip that people would makes these day is about once a week max to shop for essentials stuffs like groceries and medications. It’s truly unfair for drivers to pay 30 days premium while probably only drive 4 days max in a month. We’re in unprecedented times and there’s unprecedented pressure on families’ financial. We’re doing our part to flatten the curves, “Staying Home, Saves Lives”. It is only compassion of ICBC to give drivers the fair premium breaks through this difficult time.
Petition to Justin Trudeau, Canadian Revenue Agency
The Canadian government should not demand the repayment CERB money
The Canadian Revenue Agency is telling 213 000 Canadians to repay CERB money because they do not fit the criteria of making $5 000 of net income in 2019. Many applicants applied based on gross income, not net income, which factors in expenses made, like internet fees. Many recipients of CERB now being asked to return the money say that the guidelines were not clear - and had maybe even changed. The government is asking that individuals who are using the CERB money to barley stay afloat during the pandemic return it, which is downright impossible for many, since it long ago went to groceries, ppe, and other essentials. Meanwhile, large companies are using public money, meant to go towards paying their staff, but instead are using it for profit - and laying off their workers. The government should not be going after honest individuals who applied for CERB in good faith, because they needed it. The least they can do now is to let all recipients of CERB keep their money.
Petition to Justin Trudeau, Bill Morneau, Doug Ford, John Tory
Help Save The Canadian Beauty Industry.
Covid-19 has put many industries into a state of crisis and the Canadian Beauty Industry has been deeply affected. The Government of Canada needs to recognize the particular vulnerability of the beauty industry sector during Covid-19. We in the beauty industry, have two major things working against us: 1. There is no option for hairstylists, barbers, aestheticians, nail techs, makeup artists, etc. to work from home. 2. We are more at risk than many other professions, as we work physically close to the public. The Canadian Beauty Industry must band together and ask for support during this unprecedented time. The salon/spa industry is a significant economic sector in Canada with a market size of 4 billion dollars. To give businesses in our industry the best chance to recover and to provide safe spaces for our workers, we need our government to give businesses in our industry relief not loans. The safety of our staff, coworkers and the public is of the highest importance. Our work requires close contact with the public. Because of this many of our businesses shut down even before the mandated closures – losing 100% of our revenue overnight. The livelihood of stylists, barbers, aestheticians, nail techs, makeup artists, salon owners, spa owners, suppliers and manufacturers are at stake. We are calling on our government to recognize the devastating impact Covid-19 has had on the Canadian Beauty Industry and to support a debt-free initiative to provide relief for our industry. Suggested Relief Action Plan: • This is an industry based on fee for service and our people have been off work for weeks. Any further work delays will leave them in even more of a precarious financial situation. Workers are extremely anxious that their support benefits will take too long to arrive, they will not meet the requirements, or will they not be able to get through to Service Canada in a timely manner, since the current demand on the system is overwhelming. The government needs to expedite the support benefit procurement process. • Ensure that Employment Insurance (EI) benefits and the Canadian Emergency Response Benefit (CERB) are supplemented to reflect the higher cost of living in our urban centres. • Create an allowance for part-time workers. It is common for workers in our industry to have multiple sources of income and under current rules this disqualifies them from CERB. • Forgive commercial property taxes for the months businesses are closed. • Issue a government directive for rent and related costs to be paused temporarily, until the government relief is implemented. • Require insurance companies to cover business interruption during this time of mandated business closures. Currently, they are denying coverage for such claims. • Implement a deferral plan for business loans from financial institutions. Include the principal and the interest in this deferral. All payments need to be deferred until after business resumes. • Suspend all taxes owed to the federal and provincial governments including HST, source deduction obligations and corporate taxes, as well as remove any penalties and/or interest for current late payments. Businesses should not be penalized or charged interest. • Require credit card companies to lower all interest charges on cards held by businesses, including merchant service providers (e.g. fees and equipment leases/rentals). In closing we want to convey the grave need of our industry at this time, an industry of owners and workers that are particularly vulnerable to the Covid-19 crisis, due to the nature of our work. Yes, the government is offering loans, but going into further debt is not a relief plan. Please help our industry make a recovery without the burden of debt falling so heavily on independent operators. Without this help many of our industry’s businesses will not survive.