consumer protection laws Flashcards
what are quebecs 2 main laws which protect consumers in their transactions with canadian businesses
- the civil code
- consumer protection act
what is the civil code
deals mostly with people, their relationships and their property
what is the consumer protection act
aims to eliminate fraudulent transactions, abusive practices and misleading advertising (vehicle repairs, credit cards, warranties, contracts)
what are 2 quebec agencies who educate, inform and protect consumers
- office de la protection du consommateur
- tribunal administratif du logement
what is the office de la protection du consommateur
ensures laws are obeyed and supports consumers in disputes with businesses
what is the tribunal administratif du logement
information to tenants and landlords and resolved disputes regarding leases
what are other important consumer organizations (3)
govt: educaloi, SAAQ
private: automobile protection association
what type of merchants is an OPC permit required (3 ex)
- travel agents
- lenders
- collection agents
what are 4 types of remedies if issue need a more serious solution
- formal complaint (letter, mail)
- contact media (news, social media)
- small claims act ( up to 15k$)
- collective action (boycott)
are there fees to cancelling a cell phone contract
sometimes
what are the 2 types of phone contracts
fixed term contract
indeterminate term contract
what are the conditions to cancelling a fixed term phone contract
1) if there was a discount on the price of the phone
2) if not, fee cannot be more than 50$ or 10% or remaining value of services provided for the in the contract
what are the conditions to cancelling and indeterminate term phone contract
1) cancellation is free unless the phone has not been paid in full
2) if not, the remaining amount left to pay will determine the fee
