HEARING FILE NUMBERS: H-25-06-002
DATE OF DECISION: October 2, 2026
COMPLAINANT: Vehicle Sales Authority of BC (the “Authority”)
LICENSEE: Nathaniel Bruce (the “Respondent”)
CONSUMERS: Sandie Raincock (the “Consumer”)
ALLEGATIONS:
The Authority alleged that the Respondent contravened the Motor Dealer Act Regulation (“MDAR”) and the Business Practices and Consumer Protection Act (“BPCPA”) by committing or engaging in unconscionable acts or practices, deceptive acts or practices and by failing to act with honesty and integrity in the course of business. The allegations arose out of a consumer transaction in which the Respondent, acting in the course of his employment as a finance manager with a motor dealer, assisted the Consumer in seeking refinancing of her existing vehicle loan.
The Authority further alleged that by acting for the consumer in the refinancing application, the Respondent failed to adhere to certain conditions on his salesperson license. The Authority sought cancellation of the Respondent’s salesperson license, a re-application waiting period of five to ten years duration and reimbursement of its actual costs, including actual legal costs. The consumer sought reimbursement of a portion of the financing funds that were unaccounted for. Prior to the hearing of the matter, the Respondent surrendered his salesperson license to the Authority. The Respondent did not participate in the hearing.
ORDER:
The Registrar found that the Respondent committed or engaged in deceptive acts or practices in respect of consumer transaction with the Consumer by making various misrepresentations to her and to the lender in the course of the financing application contrary to section 5(1) of the BPCPA. The misrepresentations also constituted a failure to act with honesty and integrity contrary to section 33(2)(a) of the MDAR. The Registrar further found that the Respondent acted contrary to the conditions of his license contrary to section 33(2)(a) of the MDAR. Giving consideration to all of the circumstances, the Registrar found that the Respondent was ungovernable and ordered that his salesperson license be cancelled effective immediately. The Registrar further held that the Respondent could not re-apply for a salesperson license for a period of four years. The Registrar ordered that the Respondent pay the Authority’s costs and that he reimburse the unattributed amount of the financing funds to the Consumer. The allegation that the Respondent committed or engaged in an unconscionable act was dismissed.
LEGISLATION:
Motor Dealer Act Regulation, BC Reg. 447/78
Business Practice and Consumer Protection Act [SBC 2004] c. 2
Salesperson Licensing Regulation BC Reg. 202/2017
