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In Canada if you take out money early from your Registered Retirement Savings Plan (RRSP) the bank will with hold a certain percentage as a penalty for taking the money out early. If take out my money early and the bank takes a percentage of the that money, how do i go about getting that money back? do i send them a correspondence letter letting them know that it is my money and if they dont return the money, i will consider it a trespass by way of theft? or should i contact the bank first before it take the money out letting them know that i will be taking it out and i dont authorize then to take a percentage of my money?

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