Pick the Situation That Matches Yours
Specific, time-aware guidance for the most common Ontario HVAC contract situations. Choose the one that fits.
Time-sensitive
I just received a Statement of Claim from an HVAC finance company
A formal court filing — Statement of Claim or Plaintiff's Claim — has been served on you by a finance company holding an Ontario HVAC contract. The clock is now on a hard deadline. You have 20 days from service in both Ontario Superior Court and Small Claims Court to file a defence.
My home sale is closing soon and there's a NOSI on title
Your real estate or mortgage lawyer has flagged a NOSI on the parcel register and indicated it must be discharged before closing. The finance company has quoted a buyout figure that may not reflect the true depreciated value of the equipment. Time is short but you have more options than 'pay the buyout.'
My mortgage broker just told me there's a NOSI on my home
Your refinance or mortgage renewal is paused because a NOSI on title needs to be discharged. The finance company is quoting a buyout figure that does not match what you understood the equipment to be worth. Lenders typically will not advance funds while the NOSI is in place.
A door-to-door salesperson just left and I think I signed something I shouldn't have
A salesperson has just left your home and you signed an agreement that you are now uncertain about. The good news: under section 43 of Ontario's Consumer Protection Act, you have 10 days from receiving a written copy of the agreement to cancel for any reason. The clock is running but you have time.
Address soon
I'm 10+ years into a water heater rental and the cumulative cost is staggering
You added up the monthly statements on a long-tenure Reliance, Enercare, or door-to-door water heater rental and the cumulative number is striking. The buyout quote bears no relationship to the equipment's true depreciated value. This is exactly the situation the unconscionable-pricing ground in the 2018 CPA amendments was written for.
Equipment was installed within 48 hours of signing — am I locked in?
The salesperson signed you up and the installer arrived the next morning. The original equipment is already gone. You feel locked in. Legally, you are not. Installation inside the cooling-off period does not eliminate your cancellation rights, and it is itself a regulatory issue.
I was promised a rebate and it never arrived
You signed the agreement partly because the salesperson said a rebate, grant, or government incentive would offset most of the cost. Months later, no rebate has come. The 2018 CPA amendments contain a specific ground — unfulfilled rebate promises — that addresses exactly this.
My elderly parent signed an HVAC contract they didn't understand
Your parent — often living alone, often hard of hearing or dealing with cognitive challenges — has signed an agreement they cannot reconstruct or fully explain. This is one of the most common scenarios in Ontario door-to-door HVAC sales. The 2018 amendments provide multiple grounds to challenge the contract on your parent's behalf.
Exploratory
I want to end my rental but the buyout quote seems wildly inflated
You called the rental company to ask what it would take to end the contract and they quoted a buyout figure that bears no relationship to the equipment's depreciated value. This is the standard first quote. It is rarely the final number, and depending on your situation, you may not need to pay it at all.
The company that installed my equipment has stopped responding
The company on your original agreement has stopped answering the phone, never delivered the maintenance they promised, or has gone out of business. Meanwhile, statements still arrive from a finance company you may not have heard of at the time of signing. This is a common scenario and your contract is still resolvable.
Don't See Your Situation?
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