Guides for Ontario Homeowners
Long-form, plainly written guides on the law, the practices, and the practical steps that matter when you are dealing with an unfair home equipment contract.
NOSI Removal in Ontario: A Complete Guide for Homeowners
Notices of Security Interest were banned in Ontario in 2019, but tens of thousands remain on title from older HVAC contracts. Here is what a NOSI is, how to find one on your home, and the three paths to having it removed.
Read the guide →The Ontario Door-to-Door HVAC Scam Playbook
How door-to-door rental and financing schemes targeting Ontario homeowners actually work — the script, the contract, the lien, the assignment — and what the 2018 Consumer Protection Act amendments give you the right to do about it.
Read the guide →How to Cancel a Water Heater Rental in Ontario
Long-tenure water heater rentals from Reliance, Enercare, and door-to-door operators frequently total many times the equipment's value. Here is how Ontario law treats these contracts, your buyout options, and when you can challenge the rental outright.
Read the guide →The Ontario CPA 10-Day Cooling-Off Period
Ontario's Consumer Protection Act gives homeowners a 10-day cooling-off period for direct agreements — including HVAC, water heater, heat pump, and air filtration contracts. Here is how it works, what triggers it, and what happens if it was ignored.
Read the guide →Greener Homes Grant Scams in Ontario
Door-to-door operators have used the federal Greener Homes Grant programme as cover for the same long-term HVAC, heat pump, and water heater contracts that the 2018 amendments target. Here is how to spot the pitch and what your rights are.
Read the guide →Ontario HVAC Contract Buyout Guide
Buyout figures on Ontario HVAC, water heater, heat pump, and AC rental contracts are routinely inflated and frequently negotiable. Here is how to read a buyout quote, when to negotiate, and when to challenge the contract instead.
Read the guide →Sued or Pursued by an HVAC Finance Company
If a finance company such as CHICC, SNAP, Crown Crest, Financeit, Home Trust, or Ontario Financial Group is suing or pressuring you over an Ontario HVAC contract, the underlying agreement may still be defendable. Here is what to do.
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