Cancellation of a distance contract and chargeback request (CPA, ss. 54.8-54.16)

Category and limits

Complete template to fill in yourself · category A · practice area : Consumer & small claims · offered in case files of type : Other (small claims, neighbours…), Consumer & small claims

Complete template that you fill in for your own file. The fixed text only carries the mentions the cited provisions require; the facts, choices and requests are yours. The tool does not file, serve, swear or send anything, does not choose a remedy or a deadline for you, and guarantees no outcome (Act respecting the Barreau du Québec, s. 128: “to prepare and draw up a notice, motion, proceeding or other similar document intended for use in a case before the courts”, “performed for others”, is the exclusive prerogative of the practising advocate or solicitor).

What the provisions read require

• CPA, ss. 54.11-54.12 — French text: the consumer cancels “en transmettant un avis à cet effet” (s. 54.11); the contract is “résolu de plein droit à compter de la transmission” (s. 54.12). (LégisQuébec — Loi sur la protection du consommateur, P-40.1, read on 2026-10-15)
• CPA, s. 54.13 — “Within 15 days following the cancellation of the contract, the merchant must refund all sums paid by the consumer under the contract and any accessory contract, including sums paid to a third person.” “Within 15 days following the cancellation of the contract or following delivery if it postdates cancellation, the consumer must restore the goods that were the object of the contract to the merchant in the same state in which they were received.” “The merchant shall assume the reasonable costs of restitution.” (LégisQuébec, up to date as of 15 October 2026, read on 2026-11-03) (LégisQuébec — Loi sur la protection du consommateur, P-40.1, read on 2026-10-15)
• CPA, s. 54.9(a) — A distance contract may be cancelled “at any time before performance of the merchant’s principal obligation if (a) the merchant’s principal obligation is not performed within 30 days after the date specified in the contract or the later date agreed on in writing by the consumer and the merchant, or within 30 days after the contract is entered into in the case of a contract that does not specify a date or time limit for the merchant’s principal obligation to be performed” (read on 2026-11-03). (LégisQuébec — Loi sur la protection du consommateur, P-40.1, read on 2026-10-15)
• CPA, ss. 54.14-54.15 — Chargeback request within 60 days of the failure to refund (s. 54.14); request “faite par écrit” with the eight particulars a) to h): cardholder, card number and expiry, merchant, date of contract, amounts, description, ground, date and mode of the notice of cancellation (s. 54.15, 13-02 summary). (LégisQuébec — Loi sur la protection du consommateur, P-40.1, read on 2026-10-15)
• CPA, s. 54.16 — The issuer acknowledges receipt within 30 days and credits within 90 days or two statement periods (13-02 summary). (LégisQuébec — Loi sur la protection du consommateur, P-40.1, read on 2026-10-15)

Time limits read

• Refund within 15 days of the notice (s. 54.13); chargeback request within 60 days of the failure to refund (s. 54.14).
• The consumer restores the goods “within 15 days following the cancellation of the contract or following delivery if it postdates cancellation” (s. 54.13, para. 2).

Exhibits and documents

• Order confirmation, receipt or statement showing the charge; copy of the notice of cancellation (letter 2).

To verify (not read or not settled)

• Exact cases and time limits of ss. 54.8 and 54.9.1, and exact wording of s. 54.15 a) to h): summarized by 13-02, to be re-read on LégisQuébec (ss. 54.9 and 54.13 re-read on 2026-11-03).
• The OPC web models (2023) are linked, not reproduced.

Complete template (category A). CPA ss. 54.11-54.16 are quoted or summarized as read by research 13-02 (LégisQuébec, current to 12 August 2026); OPC pages read by 13-02 answered HTTP 200 on 2026-10-21. The card number and expiry date are never stored: they stay blank in the export. Québec statutes and most Québec sources linked here were read in French; English wording in this guide is an unofficial summary unless an official English text is linked.

Preuve en main is a preparation and legal-information tool. It gives no legal advice, replaces neither a lawyer nor the official form, and guarantees no outcome.