Common Ontario HVAC finance companies include CHICC, SNAP Home Finance, Crown Crest Capital, VaultPay, Financeit, Eco Home Financial, Home Trust Company, Ontario Financial Group, and EcoCapital. Most homeowners did not deal with the finance company at the original sale.
The finance company's rights derive from the underlying installer agreement. Where the underlying agreement is challengeable, the finance company's collection rights can be challenged on the same grounds.
