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Just Peace - tax letter

Appalling assessment by Canadian tax authority trying to take a chunk of my retirement savings. I was not aware they could do this; in fact, a bank's personnel told me I could save money in Canada this way without taxation while I was an officially categorized resident abroad. I am a Canadian citizen and I went abroad to work specifically to save for retirement.

Copy of a letter of appeal for tax relief

I am again writing to seek tax relief from amounts owing on a series of TFSA Notice of Assessments received since August, 2018, but covering TFSA accounts contributions from mid-July 2011 to 2016. I was a self-declared non-resident of Canada for taxation purposes as I was living and working abroad during that time. I had no other income besides my foreign employment income from teaching English abroad. As I returned to live and work in Canada in January, 2017, I have declared myself as a resident of Canada for taxation purposes.


I have challenged the above-mentioned charges and all the penalties and interest added, which amounts to around $19,000, through a Ministerial Inquiry. That Inquiry found that the law allows the assessed amounts, however cruel the law may be.


The TFSA assessment authorities are demanding I pay more than I contributed to my TFSA savings account—a substantial chunk of my life savings. The main purpose of going abroad to work was to be able to save funds for the future, namely my retirement years, and now, despite all the self-discipline, work and hardship to save those funds, the Government of Canada wants to take it away.


Let me highlight the unfairness of the tax rate applied to the TFSA contributions: up to 12% of the total amounts held in such an account per year (1% a month). Nobody else but mobsters or kidnappers would demand so much from a victim.


I had no idea I could or would be taxed. I clearly told the bank financial officers that I was a non-resident when I started the Royal Bank TFSA, but they told me then and again later that I would not be taxed. I shall write to RBC to complain.


While abroad, my foreign employment earnings did not reach much more than 30,000CD per year. After my return to Canada in 2017, I have been working part-time. My taxable income for 2017 was …(low). On August 2, 2018, I was dismissed from the part-time job I had from November 2017 till then. I resumed steady but part-time employment (26 hours a week) only three weeks ago, on September 4. I have had to struggle to find a little additional income through self-employment to cover all living expenses. I hope I can resume saving money, as I am fast approaching the age of 62 and I must prepare for my years as an elder.

I am a single, self-supporting woman with no dependents. My rent was increased from $875 to $910 last July. I pay $163 a month for TV and internet,, $200 to $300 for groceries and household supplies. 

…(My rent is high enough and my monthly income low enough that I am applying for a government housing subsidy.)

As you could imagine from my profile, I have had to depend on the use of credit cards. I currently owe around $2,000 to credit card companies. I have not been able to avoid charging some expenses to these cards each month, so there is always somewhere from $500 to $1500 owing on each card for the value of purchases plus high interest.


Due to income constraints, I am lacking some common household and personal supplies. I will need to acquire more in the near future.


In the light of all these factors, I request full relief. Certainly, the late penalties and interest are unfounded.


Had CRA notified me of its earliest TFSA assessment right after the processing of the 2011 tax return, I would have an opportunity to pull funds out of the TFSA accounts and stop contributing to them. As things went, however, I had no knowledge that the contributions would be taxed. Who would imagine that a “tax-free” account is not tax-free, especially when bank officers suppose it is tax-free and the CRA does not make citizens aware that non-residents are taxed on TFSA contributions? It is not fair or appropriate that I should pay such large amounts in tax, penalties and interest.


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