Consumer Protection

We provide advice to eligible individuals in this area of the law.   In some circumstances, we are able to intervene on behalf of clients.  However, we do not provide representation in small claims court with respect to debt or consumer issues.

Examples of consumer issues that we can assist with are those arising from  energy contract, a bank garnishment or a payday loan.

In Ontario, there are laws that protect consumers in many areas.  The main law is the Consumer Protection Act, although there are specific laws that relate to collection agencies, electricity contracts, motor vehicle dealers and discriminatory business practices.  These laws provide for rights and protection for consumers.  For example:

  • If you sign a contract worth more than $50.00 in your home, you have the right to cancel within 10 days
  • A collection agency can only contact you between 1pm and 5 pm on Sunday or on holidays and can’t use threatening, profane, intimidating or coercive language
  • When getting your car repaired, the shop must provide you with a written estimate unless you tell them it is not necessary and agree to pay a maximum amount?

If you have a consumer protection problem

If you think that your consumer rights are being violated, you should file a complaint with the business or individual that you are dealing with. Ideally, you should do this through a complaint letter. The complaint letter should provide details on the issue and how you would like the issue resolved.  Keep a copy of your letter.

If you are not able to resolve the issue to your satisfaction, you can contact our clinic for advice and direction on how to proceed.

You can obtain further general legal information about consumer protection issues by accessing the Your Legal Rights website.