Ontario Financial Group and Your Ontario HVAC Contract
A receivable purchaser and servicer for Ontario door-to-door HVAC contracts, named as plaintiff in small-claims and Superior Court proceedings against homeowners.
Ontario Financial Group is a receivable purchaser and servicer for Ontario door-to-door HVAC contracts. It has appeared as plaintiff in Ontario small claims and Superior Court proceedings against homeowners disputing rental terms.
Under Ontario law, when an underlying agreement is challengeable because of how it was sold, the rights of the assignee are no greater than the rights of the original seller. A contract held or serviced by Ontario Financial Group can still be addressed.
Our position is not that Ontario Financial Group engaged in wrongdoing at the original sale. Our position is that the underlying agreement may have been unenforceable from the start under the 2018 amendments.
Also known as: OFG Financial, Ontario Financial.
What These Contracts Typically Look Like
- Long terms — typically 10 years or more
- Payments collected by Ontario Financial Group after assignment
- Total obligations far in excess of the equipment's installed value
- Property registration on title from the original sale
What We Hear from Homeowners
- Statements arriving from Ontario Financial Group without the homeowner realising the contract had been assigned
- Demand letters or court filings concerning unpaid rental amounts
- Buyout figures disproportionate to the equipment's value
- Lien on title discovered at refinance or sale
Which 2018 Amendments Are Likely to Apply
The 2018 amendments to Ontario's Consumer Protection Act identify several practices that can render an HVAC agreement unenforceable. Where the underlying agreement (now held by Ontario Financial Group) was originated through any of these practices, the same conclusions apply:
Unconscionable Pricing
Pricing set in the original agreement remains subject to the 2018 amendments after assignment.
Unsolicited Contact
If the original sale was at the door, the agreement may be unenforceable, and that conclusion travels with the contract.
Misrepresented Energy Savings
Misrepresentations made at the original sale remain part of the contract record.
Only one of these grounds needs to apply for the agreement to be challenged successfully.
What to Do If Ontario Financial Group Is Collecting on Your Agreement
- 1If you have received a demand letter or claim from Ontario Financial Group, do not ignore it — but do not respond directly. Let us reply on your behalf.
- 2Locate the original installer agreement.
- 3Photograph the data plates on the installed equipment.
- 4Pull a title search.
- 5Book a free, confidential review immediately if a court filing is involved.
Public Record
You do not have to take our word for any of this. The pattern is well documented in:
- Ontario small claims and Superior Court proceedings naming Ontario Financial Group as plaintiff (CanLII)
Is the Underlying Agreement Behind Your Ontario Financial Group Statements Enforceable?
If Ontario Financial Group is pursuing you on a home equipment contract, the underlying agreement may still be challengeable.