(5) A lender under a credit agreement for open credit who changes the interest rate under the agreement shall notify the borrower of the change, (a) in the next statement of account after the change, in the case of a credit agreement that is not for a credit card; and. (a) a statement that the transaction is a lease; (b) a description of the leased goods and their value determined in accordance with the regulations; (d) the lessor’s reasonable estimate of the wholesale value of the leased goods at the end of the lease term; (e) the total amount, calculated in accordance with the regulations, of all payments that the lessee is required to make under the lease; (f) the particulars about the amount and timing of all payments under the lease as is prescribed by the regulations; (h) all other information about the lease that is prescribed by the regulations. A representation using exaggeration, innuendo or ambiguity as to a material fact or failing to state a material fact if such use or failure deceives or tends to deceive. (2) If a supplier charges an amount that exceeds the estimate by more than 10 per cent, the consumer may require that the supplier provide the goods or services at the estimated price. 2002, c. 30, Sched. 2014, c. 9, Sched. 2016, c. 34, s. 2 (1). (c)  all guarantees given in respect of money payable under the consumer agreement; (d)  all security given by the consumer or a guarantor in respect of money payable under the consumer agreement; and, (i)  extended, arranged or facilitated by the person with whom the consumer reached the consumer agreement, or. (2) In addition to the right under subsection (1), a consumer may cancel a time share agreement within one year after the date of entering into the agreement if the consumer does not receive a copy of the agreement that meets the requirements under section 27. 2002, c. 30, Sched. 2002, c. 30, Sched. See: 1997, c. 35, ss. (4) The consumer may express notice in any way as long as it indicates the intention of the consumer to rescind the agreement or to seek recovery where rescission is not possible and the reasons for so doing and the notice meets any requirements that may be prescribed. editorials, case summaries and association news. (b) where the amount of the brokerage fee is required to be stated under clause (a), account for the brokerage fee in the APR under the agreement and the amount described in clause (3) (b), if applicable. A tow truck driver; (“fournisseur de services de remorquage et d’entreposage”), “tow and storage services operator” has the meaning provided for in the regulations; (“exploitant de services de remorquage et d’entreposage”), “tow truck” has the meaning provided for in the regulations; (“dépanneuse”), “tow truck broker” has the meaning provided for in the regulations; (“courtier en dépanneuses”). 2002, c. 30, Sched. 2002, c. 30, Sched. (b) express the information contained in it clearly, concisely and prominently. Note: On a day to be named by proclamation of the Lieutenant Governor, the definition of “dwelling” is repealed by the Statutes of Ontario, 1997, chapter 35, subsection 1 (1). A, s. 89 (1); 2004, c. 19, s. 7 (34). (12) Each person who engaged in an unfair practice is liable jointly and severally with the person who entered into the agreement with the consumer for any amount to which the consumer is entitled under this section. 2002, c. 30, Sched. 74 (1) If the lender under a credit agreement invites the borrower to defer making a payment that would otherwise be due under the agreement, the invitation must disclose whether or not interest will accrue on the unpaid amount during the period of the deferral and, if interest will accrue, the invitation must also disclose the interest rate. 2014, c. 9, Sched. 2002, c. 30, Sched. Requirements for future performance agreements. “credit” means the advancing of money, goods or services to or on behalf of another for repayment at a later time, whether or not there is a cost of borrowing, and includes variable credit; (“crédit”). “buyer” means a person who purchases goods for consumption or services under an executory contract or a direct sales contract as defined in section 23.1 and includes his or her agent, but does not include a person who buys in the course of carrying on business or an association of individuals, a partnership or a corporation; (“acheteur”). The Consumer Protection Act, 2002 is a general statute applicable to many types of business-to-consumer relationships including relations involving wedding suppliers and engaged couples. A, s. 30 (1). 2002, c. 30, Sched. 2 (1) Subject to this section, this Act applies in respect of all consumer transactions if the consumer or the person engaging in the transaction with the consumer is located in Ontario when the transaction takes place. “internet gaming site” means an internet site that accepts or offers to accept wagers or bets over the internet, (a)  as part of the playing of or participation in any game of chance or mixed chance and skill that is to take place inside or outside of Canada, or. A, s. 96 (6). A borrower under a credit agreement is not liable to pay the lender as part of the cost of borrowing any amount in excess of the amounts specified in the statements that this Part requires the lender to deliver to the borrower in respect of the agreement. 1, s. 5. 1990, c. C.31, s. 34 (2). Term of consumer agreement not enforceable. 17. (8) The trustee shall release the funds held under this section to the consumer if the consumer cancels the personal development services agreement in accordance with this Act. 11 (3), 45 (2). 2002, c. 30, Sched. R.S.O. (7) If a consumer charges all or part of a payment described in subsection (2) to a prescribed payment system, the consumer may request that the charge be cancelled or reversed and this section applies with necessary modifications to the cancellation or reversal of such a charge. (2) Despite subsection (1), a court may order that a consumer is bound by all or a portion or portions of a consumer agreement, even if the agreement has not been made in accordance with this Act or the regulations, if the court determines that it would be inequitable in the circumstances for the consumer not to be bound. (3) A direct agreement that the parties enter into in contravention of subsection (1) is void. A, s. 29 (2). (2) Despite subsection (1), a repairer may charge for work or repairs without giving an estimate if. 104 (1) The Minister may by order require the payment of fees for the inspection of public records maintained under section 103 and may approve the amount of those fees. 2002, c. 30, Sched. 1990, c. C.31, s. 25 (1). (b) the seller shall return any money received or realized in respect of the contract, whether from the buyer or any other person, and shall return any trade-in received under the contract. 2014, c. 9, Sched. … 24 Any provision in any future performance agreement or in any security agreement incidental to such an agreement under which the supplier may acquire title to, possession of or any rights in any goods of the consumer, other than the goods passing to the consumer under the agreement, is not enforceable. General, O Reg 17/05 Requirements for Direct Agreements Subject to Section 43.1 of Act, O Reg 8/18 Repealed or Spent . (a)  prescribing Acts under which the Ministry may receive complaints and make inquiries; (b)  prescribing other jurisdictions from which statements may be certified; (d)  prescribing entities or organizations to which confidential matters may be disclosed; (e)  authorizing the Director to conduct quality assurance programs in relation to the administration of this Act or the regulations and to use information collected under this Act for the purposes of those programs. (2) A supplier who receives a notice demanding a refund under subsection (1) shall provide the refund within the prescribed period of time. (5) Subject to any prescribed exceptions, within 15 days of this section coming into force, a supplier shall credit back to a consumer any rewards points that expired on or after October 1, 2016 and before the day this section comes into force. The plaintiff, who had purchased cough and cold products for her young son, commenced a class action, alleging that in selling the medicines prior to 2008, the defendants had engaged in “deceptive acts or practices” under the B.C. 2002, c. 30, Sched. A, s. 115 (3). 2002, c. 30, Sched. R.S.O. A, s. 73 (3). (c)  enforce this Act and other legislation for the protection of consumers. 2014, c. 9, Sched. (iv)  specifying whether or not a lessor may apply the amounts described in subclause (iii) to any security deposit that a lessee has paid to a lessor under a lease; (c)  prescribing the manner of determining the maximum liability of a lessee at the end of a term of a residual obligation lease; (d)  limiting the amount of compensation that a lessor may charge the lessee for termination of the lease before the end of the lease term. 2017, c. 5, Sched. A, s. 71. 81 (1) Subject to subsection (2), the lender under a credit agreement for open credit shall deliver a statement of account to the borrower at least once monthly after entering into the agreement. A, s. 111 (6). 1997, c. 35, s. 1 (5). 2002, c. 30, Sched. (2) No credit card issuer shall make information about a credit card available, whether in writing, orally or in any other form, unless it contains the information about the credit card that is prescribed by the regulations. Was Repealed on July 30, consumer protection act ontario canlii acts listed here, a repairer may charge work. ; 2008, c. 19, s. 123 ( 10 ) the consumer Procedure or do anything described the! Services: relief from legal obligations annual membership fee “ service public )! 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