Key Facts:

• In May 2021, the defendants (Paul Kurt Joseph, Karen Patricia John, and Cleopatra John) obtained a mortgage from Ottawa-Carleton Mortgage Inc. (OCMI).
• They were late on at least 15 payments during the initial two-year term.
• In June 2023, the mortgage was renewed for one year, but the defendants missed the August 1, 2023 payment and failed to pay the balance due on June 1, 2024.
• No payments have been made since July 2023.

OCMI’s Claims:

OCMI sought:

1. $517,858 in damages.
2. Pre-judgment interest at 8.75% per year from July 31, 2024.
3. Vacant possession of the property.
4. Leave to issue a writ of possession.
5. Post-judgment interest at 8.75% per year.
6. Costs on a full indemnity scale.

Defendants' Position:

• The defendants, self-represented, filed a statement of defense and an unsigned affidavit without evidence.
• They argued that OCMI mishandled their home insurance, denied them an opportunity to cure default, and refused mortgage payments in September and October 2023.
• Cleopatra John did not appear in court.

Court’s Decision:

• The defendants failed to provide evidence supporting their claims.
• OCMI’s uncontested evidence established no genuine issue requiring a trial.
• Summary judgment was granted:
  • $517,858 in damages.
  • Vacant possession of the property.
  • Leave to issue a writ of possession.
• A case conference will determine interest and costs.