Resources
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Buying or leasing a used vehicle
This resource explains your rights when you buy or lease a used motor vehicle from a registered dealer. It tells you what information the dealer must give you, what must be in the written contract, and what you can do if a dealer breaks these rules or acts unfairly.
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Consumer complaint form
This letter writing tool can be used to write a letter to a business to complain about a product or service.
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Credit counselling and debt settlement services
Credit counselling and debt settlement companies can help you get out of debt. This resource explains the services they provide, the rules they must follow, and your legal rights when you use them.
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Credit repair
This resource explains the legal rules for businesses that promise to "fix" or repair credit reports. It also explains why these services may often not be worth paying for, and suggests other ways for people to deal with credit and debt problems.
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Door-to-door sales
This resource explains your legal rights when someone tries to sell to you at your home or anywhere that isn't their place of business. It explains what sellers must do and what they are not allowed to do, how you can cancel a contract, and where to get help to enforce your rights.
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Identity theft
Identity thieves try to use your personal information to take money from your bank account, shop with your credit card, or even commit crimes in your name. This resource explains how to spot the warning signs of identity theft, how to protect yourself, and what you can do if it happens to you.
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Motor vehicle repairs
This resource explains your legal rights when you get repairs or work done on your motor vehicle in Ontario. It includes information on estimates, warranties, and what you can do if you are not satisfied.
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Online, telephone, and mail-order shopping
There are several ways to shop without going to a store or having a salesperson come to your home. The most common of these are online, telephone, and mail-order shopping. This resource explains your legal rights when you shop by internet, phone, or mail, and how you can enforce those rights.
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Payday loans
This resource explains the legal rights of people who borrow money from a payday loan company, including limits on fees and interest, information that the lender must provide, and when the borrower can cancel the loan. It also suggests places to get help if the lender does not follow the law.
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Telephone and internet scams
Criminals use telephone and internet scams to trick people into giving them money or personal information like credit card and bank account numbers. This resource explains how to recognize and protect yourself against common scams, and what to do if you fall victim to a scam.
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Unfair practices
In Ontario, it is illegal for sellers to use “unfair practices” to get consumers to buy their goods or services. This resource explains what unfair practices are, what kinds of sales are covered by this law, and your legal rights when a seller uses an unfair practice.
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Your credit report
This resource explains what a credit report (or "consumer report") is, and the legal rules for what information can and cannot be included in a credit report, who can access it, and how it can be used. It outlines how to get corrections made to a credit report, and what to do if you have problems with a credit bureau ("consumer reporting agency").
