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This answer is taken from CLEO's On the Radar - October 2013 People with poor credit scores or too much debt may be tempted by ads for companies that promise to improve their credit report or somehow reduce or eliminate their debts. Here are some...
This answer is taken from CLEO's On the Radar - July 2013. Appeals to the new Refugee Appeal Division If refugee claimants aren't successful at their hearings, they may be able to appeal to the Refugee Appeal Division of the Immigration and Refugee...
This answer is taken from CLEO's On the Radar - June 2013.  Long-term care homes and retirement homes Reporting abuse is mandatory when the victim lives in a long-term care home or a retirement home. (For an explanation of these terms, see CLEO...
This answer is taken from CLEO's On the Radar - April 2013.  Salespeople coming to the door can pressure or mislead you or someone you care about into getting something you don't need, you can't afford, or isn't what it's claimed to be. If you...
Identity theft occurs when someone uses your personal information (name, address, date of birth, Social Insurance Number, bank account PINs, etc.) without your knowledge or consent. Identity thieves will empty your bank accounts, run your charge...
No. Under Ontario's Consumer Protection Act, 2002, you may be charged an initiation fee in addition to the monthly fee so long as the initiation fee is not more than two times the annual fee. If you have monthly fees of $20, the annual fee would be...
Under Ontario's Consumer Protection Act, 2002, the garage must give you a 90 day or 5,000 kilometre (whichever comes first) warranty on new and reconditioned parts, and labour. If the repaired or replaced part (in this case, the transmission) breaks...
Your credit rating is based upon information about how much debt you have, whether you pay your bills on time, and whether you appear to have more credit than you appear to be able to manage. Some ways to improve your credit score and to keep it...
The Ontario Human Rights Code or “the Code” is a provincial anti-discrimination law that applies to workplaces, housing, services, facilities, and to contracts or agreements. Under the Human Rights Code, a person who has experienced discrimination...
If you have been contacted by a collection agency about a debt that you do not owe, you can notify the agency that you dispute the debt. To be cautious you should notify both the collection agency and the original creditor, in writing, that you do...
In Ontario, the provincial Consumer Reporting Act says what may be included in a credit report. If your credit report is accurate (meaning that it does not contain any errors and it includes only items permitted under the Consumer Reporting Act),...
Maybe. Ontario's Pay Day Loans Act, 2008 gives you the right to cancel a payday loan for any reason (or for no reason) within two days from when you received the written copy of the loan agreement and the cash advance, without penalty. If the lender...
This answer is taken from Guide to Youth Criminal Court in Toronto, produced by Justice for Children and Youth. (Most of the information in Guide to Youth Criminal Court in Toronto applies to all of Ontario, but some referrals are specific to the...
This answer is taken from Gift Cards, produced by the Ministry of Consumer Services. On October 1, 2007, the Consumer Protection Act banned expiry dates and most fees on gift cards bought after that date to make sure you get their full value,...
This answer is taken from A Guide to Voting in Ontario's Provincial Election, produced by Settlement.org. Before the election, you can call or visit your returning officer. They make sure that the voters list is correct and that all the voting is...
In Ontario, people who have low incomes can get free help with some types of legal problems through: Community legal clinics Legal Aid Ontario Duty counsel at courts and tribunals Pro Bono Ontario Self-Help Centres Family Law Information Centres...
You might be entitled to a Canada Pension Plan disability pension if: you have enough pension credits, and you have a "severe" and "prolonged" disability. "Severe" usually means that your disability prevents you from earning more than a small...
The following answer is taken from Criminal Injuries Compensation Board, produced by Community Advocacy & Legal Centre. The Criminal Injuries Compensation Board (CICB) is a program funded by the Ontario government to provide compensation to...
The law says that anyone - for example, a teacher, doctor, neighbour, or relative - who suspects that a child is being harmed or at risk of being harmed, must report it to a children's aid society. In fact, for most professionals, it is an offence...
Yes, there are no crimes so serious that Gladue does not apply. Gladue applies to all crimes in the Criminal Code of Canada. If you are an Aboriginal person, a judge must take your background into account when setting bail or deciding what sentence...
Yes. By signing a Form 1, a doctor can have someone sent to a psychiatric hospital where they can be held for up to 72 hours for an assessment. A doctor can sign a Form 1 if he or she: has examined you in the past 7 days, and believes that you need...
The following answer is taken from the HIV & AIDS Legal Clinic Ontario (HALCO) website: HIV is the Human Immunodeficiency Virus. HIV is the virus that causes AIDS. AIDS is the Acquired Immunodeficiency Syndrome. Being...
The home care Bill of Rights says that you have the right to raise concerns or recommend changes. No one is allowed to take any action against you because you complain about a Community Care Access Centre (CCAC) or an agency that provides home care...
The following answer is taken from Legal Guide on Special Education in Ontario produced by Justice for Children and Youth. Students who are identified as "exceptional" have a right to special education in Ontario schools. A student who requires a...