For more legal information, visit the CLEO website and Your Legal Rights

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Resources and Publications

Buying or leasing a used vehicle
(
October
2014
)

This publication 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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Credit counselling and debt settlement services
(
August
2017
)

Credit counsellors and debt settlement companies offer to help people get out of debt and stop creditors from bothering them. This resource covers the differences between non-profit credit counsellors and debt settlement companies, how they work, the rules they must follow, and the legal rights of people who use their services.

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Credit repair
(
December
2015
)

This publication 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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Identity theft
(
December
2013
)

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 publication 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
(
December
2013
)

This publication explains your legal rights when you pay anyone to repair or work on your motor vehicle in Ontario. It includes information on estimates, warranties, and what you can do if you are not satisfied with the work done.

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Online, telephone, and mail-order shopping
(
June
2017
)

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 publication 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
(
January
2018
)

This publication 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
(
March
2014
)

Criminals use telephone and internet scams to trick people into giving them money or personal information like credit card and bank account numbers. This publication 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: When sellers break the rules
(
May
2014
)

In Ontario, it is illegal for sellers to use “unfair practices” to get consumers to buy their goods or services. This publication 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
(
August
2017
)

This publication 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").

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