POSTED: DEC 1, 2025
I was talking to a friend over a month ago who was wondering if he had been scammed. I was chatting with him again this week and the confirmation that he had been scammed was all he could talk about.
Scamming has become an ever-present component of daily life today. Now I am not talking about the big security breaches that occur from time to time that result in our information being shared and potentially then turning into some big problems later. While these can be devastating at the time for the most part the organization that was the victim of the breach is the one who will correct it or provide compensation for the problems that ensue.
No, I am talking about the scams that we may as individuals unwittingly entered into. In some cases, it is those times when we have incorrectly clicked “download” or “scan” or any other click trick that is presented and we are now into a world where we have let someone into our digital financial world. Most of these online scams are “pure” scams – there really is no service or product that will ever be delivered, but we are paying for.
But long before the cyber scams out there and what still dwarfs that industry in scale is the conventional unfulfilled or over priced contract scam. Whether it’s the old time door to door sales where a slick sales guy convinces the 1950’s homeowner they need a new vacuum or the similarly slick sales guy in 2025 who convinces the homeowner to get their furnace ducts cleaned, carpet cleaned, eavestroughs blown out or water heater replaced and either the service never occurs or the water heater that is replaced is very overpriced for the model it is.
Recently a friend who was concerned about her water quality was looking at a water softener and a reverse osmosis system and solicited a few quotes. One of them was from a very nice young guy representing what looked like a very legitimate business. After doing some water testing in her home and demonstrating his extensive knowledge of the topic offered her a package that would cost just short of $10,000 CDN but would include a ten-year supply of cleaning products! The same system she put in with another installer for less than $3,000 CDN and is happy to buy her own cleaning products.
There is also a category of this that is the classic renovation scam. In this one the sums are large and the scammer wants lots of funds up front, and actually shows up and starts to do some work but at the point where most of the materials should be showing up on site the contractor is making excuses about the supply chains or the weather or his bad back. These operators will keep making up excuses for not coming back until they stop making excuses and are just not available. The amounts are usually just under the amount that is beyond the tipping point of the recovery costs as all legal fees, court costs etc. are expensive and these operators have usually shielded themselves legally as well. So do you spend $10,000 on legal fees to get a judgement against the contractor for $15,000 that he will probably never pay? Most people will not pursue it given that math. And the scamming contractor continues on with his program scamming others the same way.
It is exactly this kind of scam my friend was caught in. A contractor who was recommended by a acquaintance, was “able to fit the project into his busy schedule” on the basis of a really short build time where the materials would all have to be ordered immediately, and he could pull in some trades for a quick job if they were paid a portion ahead and the whole job would be done over a couple of weeks. So my friend paid out a lot of money for the materials and the prepayment to get the trades during a busy season.
And then…. almost nothing happened. My friend was livid and hounding the contractor to get the project going as all the dates for various components were now being missed.
And then…. almost nothing happened. But finally after a lot of conflict, the contractor showed up and got a bin on site and started to dig the excavation. But almost as soon as he did this he also requested another tranche of funds as the contractor was in a financial bind and did not have enough cash available to pay the final bill on the materials ordered and their delivery was imminent. My friend foolishly complied, and also paid more money toward some other exterior painting services partially because the contractor also was talking up a medical ailment that had held him up from completing another job and my compassionate friend fell for this lie.
A month after the whole project was to be completed based on the original schedule but had hardly been started…..again, nothing happened. After another big fight with the contractor my friend was able to get back $2,000 from the contractor as the deposit on the painting as it was now late October and the exterior painting season in Canada had passed. My friend hoped this would be a reset on the relationship and the project would now progress but after three months of these delays from the original start date, began to gear up to start the legal process against the contractor.
The roller coaster ride of wondering if he had been scammed, but hopeful that something would occur, was heightened as small bits of the excavation were being completed each day and it was clear the contractor was just trying to stretch it out. So he prepared a Demand Letter for the contractor and the day he was ready to present the letter…. a big ready mix concrete truck showed up and the floor was poured. My friend was shocked but very pleased and keen to have a meeting with the contractor to talk about the next stage. But the meeting for looking forward to the next stage did not happen. The contractor showed up for the meeting looking for more money for the work that had just been done, even though it had already been paid for. The contractor chattered on about cost overruns and premiums charged for concrete in the cold weather and because my friend had been so compassionate about the contractor’s health previously it was shared that he had stage four cancer. My friend did not need to review the medical records to know this was more nonsense from a person who had set out to scam him from the beginning, and threw him off the property and changed the locks on the house and began the legal process.
You might think to yourself that my friend is a bit of an idiot and not familiar with contracts, with human nature or with construction. But while he certainly did exercise bad judgement with this person, he is quite seasoned in renovations, construction, contracts and dealing with contractors. If it could happen to him it could happen to all of us.
Since starting the process of chasing the contractor for the funds provided other victims have come out of the woodwork. The person who had recommended him originally, and had been pleased with the initial work the contractor had done for her was also later scammed. Fifteen product suppliers are all owed money, and a group of property owners in one new housing project who were also all scammed at the same time have now surfaced.
To my knowledge I have never been scammed. That relates partially to rarely having much cash or credit available, and also partially because I live a very modest life. But to hear my friend who has now been down this road, I understand how it can change a persons perspective. Some people will never recover from a scam – financially or psychologically. And often there are other scammers who will sweep in when it is learned that a person has been victimized and offer to help for a fee – another scam.
As so many things challenge my notion that the world is a wonderful place and is getting better, more of these disappointing trends appear. But it’s a beautiful day, we have consistent winds today and I am going to round up a few friends and take En Plein Air out for a sail.
Django














