Moninder Singh Bual and Dalvinder Kaur Bual
Moninder Singh Bual (“M. Bual”) and Dalvinder Kaur Bual (“D. Bual”) (together, “the Buals”), contrary to sections 14(1) and 22(1) of the Homeowner Protection Act (the “Act”), built or caused to have built a new home in Surrey, B.C. (the “New Home”), between the period of, or about, January 17, 2014, and July 21, 2014, without being a Homeowner Protection Office (“HPO”) Licensed Residential Builder (“LRB”) and without the New Home being covered by a policy of home warranty insurance.