Unica insurance doesn’t obey the law and Justice



To Fsco superintendent for Unica bulllshit insurance



Commission file number: P15-00069V
Subject :Arbitration revocation and arbitration
Arbitrator for the original arbitration :Arbitrator Robinson
Arbitrator for the appeal arbitration revocation :Arbitrator Muzzi

I Arif Sahinbay I would like to make my complaint against UNICA insurance directly to fsco superintendent.
Law applies to my complaint has been written below.
Fsco job is rule and regulate insurance business and enforcement of arbitrator orders and Make the insurance comply.

I would like Unica insurance to obey for both Arbitrator order and make payment accordingly.
The last e-mail I have received from the Unica Insurance lawyer Harry Brown says,he will put this payments directly to the court.
There were charging order for me from previous lawyers and I already made cost submission for them respect to original arbitration hearing Arbitrator Robinson Order.
I am agree that they can make those payment to the court or directly to the lawyers.
But,what I am disagree with this is ;they can not put any payments to the court for my benefits and expenses out of my pocket.
They don’t have judge order nor charging order for the out of pocket expenses and Benefits, there fore it is illegal to make such payments to the court ,those payments has to be paid directly to me.

I am kindly requesting from you as a superintendent of fsco make them obey,if not ,I can take this case with your decision to apply Tribunal to try to cancel the licence of Unica Insurance so,they can not do any insurance business in Ontario at least.


To protect consumers and enhance public confidence, FSCO monitors, investigates and where there is non-compliance with legislation and regulations, takes appropriate enforcement action against the sectors it regulates.

insurance agent, adjuster, or company; paralegal; and health care provider misconduct and non-compliance with insurance law

A1. To protect consumers and plan members, FSCO monitors and examines the companies and individuals in the sectors it regulates (including insurance, loan and trust companies, credit unions and caisses populaires; the mortgage brokering sector; co-operative corporations; and service providers that invoice auto insurers for statutory accident benefits claims).

When FSCO finds non-compliance with the law, it takes appropriate enforcement action, which can include a letter of caution, fines, a Compliance Order or the restriction, suspension or revocation of a licence or registration.

Lay charges under the Provincial Offences Act

FSCO investigates allegations against licensed representatives and/or companies that may have engaged in deceptive or illegal practices. 

Under section 282(10), a special award may be made against an insurer that has unreasonably withheld or delayed the payment of benefits
a special award pursuant to subsection 282(10) of the Insurance Act 


Financial Services Commission of Ontario. Ordinary Citizen
5160 Yonge Street, Box 85, 14th Floor. Arif Sahinbay
Toronto ON M2N 6L9
Attn: Registrar
Fax No.: 416.226.7750

Fsco still protecting bullshit Unica insurance and fucking citizens very well,another proof of lawlessness

Commission file number:P15-00069V August 11-2017

Attention to Arbitrator Rosemary Muzzi/Christina Pearce


I am requesting Assessment of Expenses under the dispute resolution practice code Rule 79

I am requesting immediate answer and resolution for my request by law.
If arbitrator doesn’t obey the law who else does.
According the law I have right to request expenses for this hearing and without submitting my expenses Arbitrator Muzzi has no right to fix any expenses amount ,
Cost submission has been requested at the hearing and Arbitrator Muzzi said ,she would be hearing this submission at the phone conference therefore this 500$ fixed amount is not acceptable,since I haven’t had opportunity to submit cost of the hearing on the phone conferance.

1-A request for an Assessment of Expenses must be made within 30 days from the date the order of the arbitrator was issued (Rule 79).

2-An order on an Assessment of Expenses will be issued within 60 to 85 days from the conclusion of the oral or written hearing on expenses.

Just for this hearing my expenses will be faxed to you and it has been already submitted to Harry Brown,

Harry Brown and Unica insurance take this arbitration revocation order and stick it in your ass

Financial Services ​Commission des
Commission​services financiers
of Ontario​de l’Ontario

Dispute Resolution Services​Services de règlement des différends
Arbitration Unit​Unité d’arbitrage
5160 Yonge Street, 14th Floor​5160, rue Yonge, 14ième étage
Box 85​Boîte 85
Toronto ON M2N 6L9​Toronto ON M2N 6L9

Enquiries: (416) 250-6714​Renseignement: (416) 250-6714
Fax: (416) 590-8462​Télécopieur: (416) 590-8462
Toll Free: 1-800-517-2332​Sans frais: 1-800-517-2332
Web Site : http://www.fsco.gov.on.ca​Site web : http://www.fsco.gov.on.ca

August 03, 2017

Mr. Arif Sahinbay
214-2335 Lakeshore Boulevard
Etobicoke Ontario M3J 1L5
Mr. Harry Brown
Barrister and Solicitor
Brown & Partners LLP
3100-130 Adelaide Street West
Toronto Ontario M5H 3P5
Dear Mr. Sahinbay and Mr. Brown:

Re:​Mr. Arif Sahinbay and Unica Insurance Inc.
​MVA: April 09, 2010
​Commission File No.: P15-00069V/A12-003908

This letter constitutes my order in respect of Unica’s motion to vary/revoke the arbitration order dated March 9, 2015 and made by Arbitrator Robinson regarding Mr. Sahinbay’s claims to statutory attendant care, housekeeping and medical benefits.


Unica’s motion to for an order to vary/revoke the arbitration order dated March 9, 2015 in respect of Mr. Sahinbay’s claims for attendant care, housekeeping and medical benefits is denied.

Reasons to follow forthwith.

If you have any questions or require more information, please telephone Christina Pearce, at 416-590-7955, or toll-free at 1-800-517-2332, ext.7955.

Yours truly,

Rosemary Muzzi

Rosemary Muzzi

Copies to:

Mr. Ross Baker
Claims Manager – Accident Benefits
Unica Insurance Inc.
7150 Derrycrest Drive
3rd Floor
Mississauga Ontario L5W 0E5

“Toronto Star”! where the fuck your brain was Conservatives Harper years.

This lawyer gave the Liberals more than $1,800 — then he became a judge
Andrew Sanfilippo, appointed to the Superior Court this month, bought a ticket to a Liberal fundraising dinner last year.

This head line is one of the today’s head line of Toronto Star newspaper.

Now I am asking this Toronto Star;where fuck your brain when the Harper did worse appointments for conservative governments,Harper appointed even drug addict judges(example judge Lederer),That (conservatives)Harper guy also protected all their crooked judges against every single fraud and or bribery allegations.

Toronto Star where the fuck your brain was in those years?

why is this article published now?

this article means;what conservatives build has been started collapse ,conservatives has build many dirty connection with banks ,insurance companies and other dirty money laundering offshore bank accounts and only their judges were covering their mess.

Conservatives or liberals doesn’t matter ,justice has to be independent from political influence in the mean time  justice has to be controlled and touchable by law.

What a wonderful …… world!



Justice piece of shit Lederer,from superior court of Justice Toronto


Is he still blowing  cocaine?

well come to Canada and Canadian justice system

Read this ass holes in my blog ,this Homo is still working ,question is why?

If this piece of shit Lederer still working in Canadian justice system ,so fuck the Canadian justice system from bottom to top.

These ass holes have been appointed by fucktop Harper government ,Lederer and bunch of others serving against public interest.Other piece of shit judges name mentioned in this blog.

Well, I have seen a lot and written  a lot about this sickness of justice system ,fraud,bribery,from bottom to top,nothing has been changed,these ass holes assets hasn’t been investigated ,how many of shore account do they have , connection of clearing black money ,where do they travel and how many times they travel in a year.

Canadian bullshit justice council  Also mentioned in this blog,the way of covering up others.

If any one think that they can get protection from Canadian justice system,they are sleeping and dreaming ,they will wake up when they face with the system then they will come  cross with my blog  ,will be too late.


Unica insurance Arbitration revocation theatre at the fsco fiasco

Here is the link of the arbitration hearing  listen carefully :https://youtu.be/Srg_s94cV5Y

as promised in the hearing the decision should be made today,unfortunately I have received an E-mail from fsco fiasco  today ,decision will be made in July 28-2017,therefore FSCO is delaying justice one more time against citizen rights and human rights ,I will make another complaint to the UN human rights council.

Here is the e-mail between me and FSCO



At the hearing you will see Unica insurance has 0 chance to succeed with bullshit accusations,fraud and forgery.

I warned arbitrator not to accept any forge documents for the hearing ,what I see ;arbitrator and FSCO is involved  with fraud ,forgery and illegal action of the UNICA insurance.


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