Our Budget Advisers Want To Help

Credit File

• What is in my credit file?
  
• Can I consult my credit file?
  
• There are errors in my credit file. How can I correct them?
  
• The credit office refused to correct the errors in my credit file. How can I exercise my rights?
  
• Am I obliged to accept someone consulting my credit file?
  

Agreements with public utility companies

• My electricity bill is overdue. What can I do?
  
• Is it true that Hydro-Quebec allows people with low income to make special arrangements?
  

Preauthorized debit

• My insurance company debited my account twice instead of once last month. What can I do when errors occur with regard to preauthorized debit?
  

Recovery

• A debt collector telephones me several times a week. What are my rights?
  
• Can a creditor seize my social assistance cheque?
  
• Can a bailiff come to my home at any time?
  
• I have a job. Can the court order part of my salary to be garnished in order to repay my debts?
  

Repayment from your account

• Can someone take money from my account to repay a debt without my consent?
  
• Can the bank repay itself from the employment insurance cheques I deposit in my account?
  

Basic banking services

• Can I cash a government cheque if I don’t have an account in a financial institution?
  
• What do I have to do to open a personal account?
  
• The bank refuses to open an account for me because I have a bad credit rating. Does it have the right to do that?
  
• The bank refused to open an account for reasons that don’t seem valid to me. What can I do?
  
• A credit card issuing company sent me a card I hadn’t applied for. Do they have the right to do that?
  
• My credit card was stolen. Will I have to pay for the transactions that the thief made with my card?
  
• When I received my account statement, I noticed that the card-issuing company had raised my credit limit without notifying me. Are they allowed to do that?
  

In time of financial crisis

• I’m too deeply in debt. What options do I have?
  

Securities

• I want to make investments and I'm looking for a qualified investment dealer. How can I make the right choice?
  
• I’m not satisfied with the advice my investment dealer gives me. What can I do?