Know Your Consumer Rights When Buying Big Ticket Items

• Consumer agreements must disclose all details. If a company isn’t delivering on the contract or if you encounter an aspect that wasn’t disclosed but was required to be by law as part of the deal (e.g. an unexpected annual renewal fee), you have the right to cancel within one year.

• Vague language is discouraged in contracts. All required information must be clear, prominent and easy to understand. If there is a dispute over unclear language, the law requires that it be interpreted in favour of the consumer.

• Deliveries must be made on time. If the company doesn’t make delivery or start service within 30 days of the date stated in the agreement, you can cancel the agreement at any time before delivery or start of service. You lose the right to cancel if, after the 30-day period has expired, you agree to accept delivery or allow the company to start services. If the agreement does not state a date, the 30 days run from the date the agreement was signed. Again, you lose that right if you accept delivery or start of service after the 30 days.

• You are protected against unfair practices such as deceptive promotional and sales pitches. If an unfair practice has occurred, you can rescind the agreement within one year. One way to do this is by sending the company a registered complaint letter. If that doesn’t produce results, visit Your Consumer Protection Toolbox for your next course of action.

• If you buy something in your home from a door-to-door salesperson, there is extra protection for you. See Door-to-Door Sales for more information.