Thank you again . I do have all the copies of the cheques they cashed. I have asked myself if it would be worthwhile to pursue the issue with the provider. I will however, report this person because if they are doing it to me, odds are they're doing it to others. Also, the repetitive demand for a SIN is a huge red flag IMO.

Your point about the 8k max is also a good one. Yes, my other provider (who is wonderful) did issue receipts and it will probably cover that amount (if not more). You helped me feel a lot less stressed about the situation