This answer is taken from Collection Agencies, produced by Ontario Ministry of Consumer Services. The first step a collection agency must take is to send you a written notice in the mail. Then they must wait six days before they can contact you.... More
This answer is taken from Consumer Protection Toolkit: Energy Re-Billers, produced by Community Law School (Sarnia-Lambton) Inc.. If you have already signed up with an energy re-biller, you can still say “no” when they make their follow-up call to... More
The following answer is taken from Motor Vehicles produced by Ontario Ministry of Consumer Services. Repair shops must display a sign setting out charges and repair practices. The sign must be in a conspicuous place and must state: •  That the... More
This answer is taken from Small Claims Court, produced by Ontario Ministry of the Attorney General. It depends on the amount of money you're suing for. You can use the Small Claims Court to sue for a maximum of $25,000, not including interest and... More
This answer is taken from Know Your Rights When Shopping Online, produced by Ontario Ministry of Consumer Services.If a delivery doesn't arrive within 30 days of the promised date, you can cancel the contract by sending a cancellation letter. But... More
The following answer is taken from Personal Finances, produced by the Ontario Ministry of Consumer Services.To request a copy of your credit file, you can contact one of two major national credit bureau agencies free of charge. In fact, you may want... More
The following answer is taken from Home Repairs and Renovations produced by the Ontario Ministry of Consumer Services. Under the law, the final price of the goods or services cannot be more than 10 per cent over the original estimate. If new work... More
The following answer is taken from Consumer Identity Theft Kit produced by the Consumer Measures Committee. As soon as you discover the fraud or theft, take the following steps to report it. Call your financial institutions - have them cancel your... More
It depends. All gym membership contracts must end after one year. Contracts may be renewed only if the supplier complies with certain rules, including: Providing you with a notice at least 30 days, but not more than 90 days, before the contract... More
The following answer is taken from Payday Loans Bill of Rights, produced by Ontario Ministry of Consumer Services. Yes. Ontario has set a maximum on the total cost of borrowing that payday lenders can charge consumers who enter into a payday... More
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,... More
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... More
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),... More
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... More
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... More
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... More
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... More
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... More
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... More
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... More
While most garages may be trustworthy, many people have understandable worries about being overcharged, getting shoddy work, or having unnecessary repairs done. There are special rules in Ontario's Consumer Protection Act that people should know... More
Ontario's Consumer Protection Act has many detailed rules for different types of consumer transactions. But one general rule applies to almost all of them: Sellers are not allowed to use "unfair practices" to get people to buy their goods or... More
Buying or leasing a used vehicle can be economical but also risky. Here are some of the legal protections consumers have when they buy or lease from a dealer. When the law applies Anyone who sells or leases cars, trucks, or motorcycles as a business... More
Water heater rentals are among the top 10 types of consumer complaints received by the Ministry of Consumer Services. So on April 1, 2015, some new rules came into effect just for door-to-door water heater contracts.When someone comes to the door... More