Until Feb.13 I had several hundred dollars left in my CIBC bank account, but it's enough to cover the bi-weekly mortgage payment. To my confusion, the mortgage lender informed me that it's in default based on automatic payment from my account. I have to wonder what 's wrong with our financial security system. Such manipulation reached superb sophistication--it's totally murderous trying to make up "fait accompli" to "legalize" encroachment.