Demand for immediate access to my lawful accounts
Tuesday April 07, 2026
Ellen Davies
Assistant Branch Manager | Valley First, a division of First West Credit Union
Mutual Funds Representative | Aviso Wealth
t: 250-980-8974 | f: 250-862-3630 | w: valleyfirst.com
Orchard Plaza | 1860 Cooper Road | Kelowna, BC | V1Y 8K5
Hello Ellen Davies,
DO NOT DISREGARD THIS LEGAL DEMAND.
Through no fault of mine, you removed my access to my lawful money after I requested a withdrawal. I have proof there had been no restrictions or holds on my accounts at the time of my request.
This email serves as my formal legal demand that Valley First Credit Union provide me with immediate access to my lawful money deposited at your Valley First location operating in Kelowna B.C. This is an immediate demand.
On Monday April 06, 2026 what happened at your Valley First Credit Union should never happen to anyone especially me who has been a customer of Valley First for probably 20 years. Your bank knows me and there is a long history of purely legal activity.
I have taken extreme exception towards your implication that there is some type of criminal or terrorist intent for my withdrawal. You have criminalized the innocent, I do not accept this from anyone, including you. There is no excuse.
THE incident you created is the result of YOUR OWN delusional CREATION and delusional thought process THAT enabled you establish your own atmosphere of distrust and appearance of criminal activity.
I demand access to accounts immediately, PLEASE do not disregard this email.
Your claim that I never provided you with an adequate explanation as to why I wanted my lawful money, was one of the significant problem that you created which is the result of your communist style of banking at Valley First Credit Union Kelowna. I do not have to tell you the reason I want to withdraw my legally obtained money.
Please remember I recorded the audio of the entire conversation making it quite impossible for you to allege something that never happened. This recording proves that I was respectful and responsible the entire time. It was you, your security and Kelowna Valley First Credit Union who were unreasonable, disrespectful and potentially violent towards me.
Shame on you for requesting mall security, as an effort to intimidate and harass me to gain absolute control and confiscation of my money. Now Valley First controls my lawful money and NOT me. You have failed to provide the dignity and access to my accounts that I deserve at Valley First Credit Union Kelowna.
In addition to mall security, you flagged me to your internal Valley First corporate security, for no reason, this enabled Valley First to remove access to my legal account holdings pending an investigation into your alleged criminal activity. I have taken exception to this and all your methods of intimidation and the confiscation of my lawful money. This is an embarrassment to your Credit Union.
You said the Valley First corporate investigation into alleged criminal or terrorist activity can take up to 2 weeks, this amounts to Valley First theft and confiscation of my money. This period of time can seriously contribute to my financial losses for each day that I do not have open access to my lawful money. I demand that Valley First Credit Union compensate me 30% daily interest, for the loss of opportunity and investments relating to NOT having open access to my own funds. Since yesterday Valley First accumulated interest is $XX,000.00 payable to me by preventing my lawful access to my money. In 24 hours, on April 08, 2026 the amount is $XXX,000.00 and accumulating. I also demand a written letter of apology from the President and CEO of Valley First Credit Union.
I am very threatened by Valley First Credit Union security and extremely concerned with the future potential for physical harm from your security personnel who had been unreasonably summoned by you. Valley First Security stood less than 18 inches away from me the entire time I was conducting legal banking. In my face security requested by you .. Valley First.
Shame on you for calling security in response to my legally request for a withdrawal of my own legally held money … in addition to your seemingly violent methods used to confiscate my lawfully held money.
I will never accept that you contacted your Corporate Valley First security that led to a suspension of my access to money pending an ongoing investigation into criminal activity. After 20 years of lawfully banking at Valley First, now I am criminal and under investigation for criminal activity potentially involving government and RCMP investigations.
You have totally invaded my personal privacy through unreasonable criminal investigations for no just cause. I demand all details relating to all investigations by Valley First Credit Union Kelowna are provided to me immediately.
What you have done amounts to harassment and confiscation of lawful money using your communist style method of banking at Valley First Credit Union Kelowna.
I intend on exposing this incident publicly. Hopefully this will warn people of the perils of dealing with Valley First Credit Union but can also lead to your dismissal should your management see how this will escalate.
I intend on escalating my story publicly.
My audio recording will prove that I was respectful and never deserved any of this.
In closing I would warn Valley First Credit Union against potentially closing any of my accounts. It will take me up to 12 months to remove direct deposits from Valley First and to have the changes recognized by all. Closing my accounts without my consent will result in immediate legal action against Valley First Credit Union.
Shame on Valley First Credit Union Kelowna.
Respectfully,
Paul
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