I am looking for a source for what laws/procedures a company has to follow before repossessing a vehicle in Ontario Canada. I think there is a 10 day notice they have to give you..however my lender is based in Texas and by the time I get the notice it is expired.

My loan is now one payment from being over and they are claiming I have to pay $900 in fees for the two times they put my car out for repo (but did not pick up because I paid even before getting the notice in one case and same day as getting it in another). My bone of contention is that since I did not get the notice till it was expired and the car was out for repo…..that should be illegal. When they are based in Texas should the 10 days not start from when I recieve the notice???

advice please.
ok…to the person who said I was behind and should have to pay for that…I agree there is extra interest, that is what interest is all about. that is not the issue here. bad answer.

to oklatom, yes it does take that long to get registered mail here. the 2 days after postmark is true if it was mailed to me from within Ontario…not the far end of another country.

I have had one of the two charges taken off so far because they put it out for repo illegally. I had paid more than 2/3 of my debt so the Ontario Consumer Protection Act comes into play. They should not have put it out…so they took that charge off.

I am awaiting word from the Gov’t of Ontario on who regulates the 10 day warning.

Please do not try to answer this thread unless you have knowlege of the ONTARIO law I am asking about. American answers referring to American law does not apply here. The contract was initiated in ONTARIO
thanks.
Thanks Goood Deeds, but I checked with them and they say they do not apply here because my issue is not with the car dealer, but with the car financer.
Oh, and also oklatom. I have never broken a payment arrangement with them. (not including the original contract of course)

They are fortunate I paid the entire amount since it was included in my bankruptcy.