Canada questions: housing, work, tax and everyday disputes

Jurisdiction or program : Québec

Record when you received the notice. The TAL explains that a tenant who refuses the proposed changes or plans to leave must reply within one month of receipt. Silence can renew the lease on the proposed terms. Check the TAL guidance for your lease and any exceptions.

Records to keep: Keep the whole notice, delivery evidence, lease, dated reply and proof the landlord received it.

Source : TAL — changing a condition of the lease · Source checked on 2026-09-10 · Link to this question

Jurisdiction or program : Ontario

No. For a tenancy covered by Ontario’s Residential Tenancies Act, the LTB describes changing locks without an eviction order while the tenant still lives there as an illegal lockout. Contact the LTB’s tenant resources promptly. Different rules can apply to accommodation outside the Act.

Records to keep: Record when access was denied, messages, the lease, any order, and receipts for temporary accommodation.

Source : Landlord and Tenant Board — application and hearing process · Source checked on 2026-09-10 · Link to this question

Jurisdiction or program : British Columbia / Colombie-Britannique

Subject to the Act’s exceptions, section 38 gives the landlord 15 days from the later of the tenancy ending and receipt of your written forwarding address to repay the deposit with interest or apply to claim against it. Inspection obligations and written agreements can affect the result.

Records to keep: Keep move-out and inspection records, the deposit receipt, your written forwarding address and proof of its receipt.

Source : British Columbia — Residential Tenancy Act, section 38 · Source checked on 2026-09-10 · Link to this question

Jurisdiction or program : Alberta

Alberta’s Residential Tenancy Dispute Resolution Service offers a route for eligible landlord–tenant disputes outside court. Start with its eligibility and application guidance to check whether it can hear your issue and what remedy you can request.

Records to keep: Prepare the lease, a dated event list, payment records, notices and a calculation of the amount in dispute.

Source : Alberta — Residential Tenancy Dispute Resolution Service · Source checked on 2026-09-10 · Link to this question

Jurisdiction or program : Ontario

The LTB says its process governs landlord–tenant relationships, not an application by one tenant against another. Your lease and whether the person is a tenant or an occupant matter when identifying the right route.

Records to keep: Keep the lease, roommate agreement, transfers, shared-bill calculation and messages about repayment.

Source : Landlord and Tenant Board — application and hearing process · Source checked on 2026-09-10 · Link to this question

Jurisdiction or program : Ontario

No. Check the reason, service date and termination date. For landlord personal-use notices under section 48(1) served on or after September 21, 2026, compensation is not required if the termination date meets the new 120-day and rental-period or fixed-term conditions. Other N12 situations can still require compensation or an acceptable replacement unit. Use the current LTB guideline for your notice.

Records to keep: The complete N12, delivery evidence, lease, rental-period dates and any compensation or replacement-unit offer.

Source : Landlord and Tenant Board — personal-use eviction guideline · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Manitoba

If the landlord has no claim against the deposit, Manitoba’s guidance requires its return with applicable interest within 14 days after the tenancy ends. A claimed deduction follows a different process; ask what is being claimed and contact the Residential Tenancies Branch if it remains unresolved. Identify the tenancy end date, rather than relying only on your moving-truck date.

Records to keep: Deposit receipt, tenancy end date, forwarding address, inspection reports and the landlord’s deduction messages.

Source : Manitoba Residential Tenancies Branch — refunding deposits · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Saskatchewan

Review the landlord’s claim and the Office of Residential Tenancies process promptly. Provincial guidance gives tenants 60 days after the tenancy ends to dispute a deposit claim. Explain which deductions you disagree with and provide supporting records. An informal argument with the landlord is not the same as submitting the dispute through the required process.

Records to keep: Tenancy end date, deposit receipt, claim notice, move-in and move-out photos, and cleaning or repair receipts.

Source : Saskatchewan — security deposits · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Nova Scotia

The standard lease distinguishes a fixed term from a periodic tenancy. Its fixed-term clause says the tenancy ends on the stated date and requires the landlord’s written consent to continue beyond it. Check the type of lease you actually signed and obtain any extension in writing before planning to stay. Do not assume a month-to-month renewal rule applies to a fixed term.

Records to keep: The signed lease, its end date, renewal discussions and any written agreement allowing you to remain.

Source : Nova Scotia — standard form of lease · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : New Brunswick

A landlord who collects the deposit must remit it to the Tenant and Landlord Relations Office. After moving out, apply for its return through Service New Brunswick and give your current address. Each tenant named on the Certificate of Deposit applies for their own portion. If a landlord claims deductions, tell the office which items you dispute and provide evidence.

Records to keep: Certificate of Deposit and tenancy number, deposit receipt, new contact address, condition photos and deduction notices.

Source : Service New Brunswick — security deposits · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Québec

First try to notify the landlord and record your attempts. The TAL describes a limited option for a tenant to arrange urgent and necessary repairs when the landlord cannot be reached or does not act in time. Keep the work and expense to what is necessary, use a qualified person where required, and keep receipts. This is not a general authorization to renovate or stop paying rent.

Records to keep: Time-stamped photos, calls and messages, the repairer’s findings, itemized invoices and proof of payment.

Source : TAL — urgent and necessary repairs · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Newfoundland and Labrador

For a monthly rental agreement, the provincial FAQ limits the security deposit to three-quarters of the first month’s rent. Weekly agreements have a different limit, so check the actual rental period. Ask for a receipt that identifies the payment as a security deposit. Keep rent payments separate in your records; a security deposit is not simply another month of rent.

Records to keep: The rental agreement, payment request, deposit receipt, rent amount and messages explaining what each payment covers.

Source : Newfoundland and Labrador — landlord and tenant FAQ · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Prince Edward Island

A landlord seeking more than PEI’s allowable annual increase must apply to the Rental Office using Form 9 and provide the tenant a copy. A demand letter is not itself an approval. Check the proposed effective date, the last increase and any Rental Office decision. The office also provides a tenant dispute application when an increase is believed to be improper.

Records to keep: Lease, rent-payment history, increase notice, Form 9, proof of receipt and any Rental Office decision.

Source : PEI Rental Office — rent increases · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Yukon

For entry using the written-notice route, section 33 requires notice at least 24 hours and no more than seven days beforehand, stating a reasonable purpose and the date and time. The usual time window is 8 a.m. to 8 p.m. unless you agree otherwise. Consent, emergencies and other listed exceptions can change the notice requirement; identify which basis the landlord relies on.

Records to keep: The written notice, when it arrived, its reason and time, your response and a factual record of any entry.

Source : Yukon Residential Tenancies Act — section 33 · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Northwest Territories

No. The territorial process includes a rental officer hearing and a decision on the requested orders. Enforcing an eviction order through a writ of possession involves filing documents with the Supreme Court, followed by the sheriff’s process. Identify whether you received a landlord notice, hearing documents or an actual order. Do not ignore a hearing date while discussing the dispute informally.

Records to keep: Every notice and order, envelopes or delivery messages, hearing dates, rental agreement and payment records.

Source : Northwest Territories Justice — evictions · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Alberta

For a tenancy covered by Alberta’s Residential Tenancies Act, at least 365 days must pass from the tenancy start or last increase, whichever is later. Rent cannot increase during a fixed term. A monthly periodic tenancy also requires three full tenancy months of written notice. Check both timing requirements; Alberta does not set a general cap on the increase amount.

Records to keep: The lease, tenancy start date, previous increase notices, current notice and proof of delivery.

Source : Government of Alberta — rent increases · Source checked on 2026-09-29 · Link to this question

Jurisdiction or program : Ontario

For a tenancy covered by these Residential Tenancies Act rules, the landlord owes annual interest at the applicable rent-increase guideline rate. A permitted deposit top-up can be paid using that interest, so ask for the calculation before assuming nothing was credited. The rent deposit pays the final rental period; it is not a damage deposit. Check coverage and the relevant year’s rate.

Records to keep: The deposit receipt, annual rent amounts, interest calculations, top-up requests and account statements.

Source : Landlord and Tenant Board — rent deposits · Source checked on 2026-09-29 · Link to this question

Jurisdiction or program : Ontario

First check that your tenancy requires Ontario’s standard lease. Request it in writing. After 21 calendar days without it, you may withhold up to one month’s rent. If supplied within 30 calendar days after the first withheld payment, repay that amount; otherwise you may keep it. Continue paying later rent. Confirm your dates and eligibility with the official guidance or a legal clinic.

Records to keep: Keep the original agreement, dated written request, delivery proof, rent due dates and any form or reply received.

Source : Ontario — requesting the standard lease · Source checked on 2026-10-01 · Link to this question

Jurisdiction or program : Alberta

For tenancies covered by Alberta’s Residential Tenancies Act, a landlord cannot deduct damage or cleaning costs from the security deposit if inspection-report requirements were not met. Your absence alone does not prove non-compliance: an inspection without you can be allowed after the required opportunities to attend. Ask for both reports and an itemized statement; disputed deductions can go to RTDRS or court. Other charges, such as unpaid rent, need separate review.

Records to keep: Keep move-in and move-out photos, inspection invitations and reports, the deposit receipt, lease and deduction statement.

Source : Alberta — ending a tenancy and inspection reports · Source checked on 2026-10-01 · Link to this question

Jurisdiction or program : Canada — EI / assurance-emploi

Yes. Service Canada says to apply right away and send required documents afterwards. Applying more than four weeks after your last day of work can cost you benefits. Applying does not by itself establish eligibility.

Records to keep: Keep your last work date, employer details, pay statements, requests for the ROE and application confirmation.

Source : Service Canada — applying for EI · Source checked on 2026-09-10 · Link to this question

Jurisdiction or program : Canada — EI / assurance-emploi

You can request reconsideration from Service Canada. Its published process calls for a signed request within 30 days after the decision was communicated; a late request needs an explanation and acceptance is not automatic. Include new information that could change the decision.

Records to keep: Keep the decision, the date you learned of it, your reasons, supporting records and proof of submission.

Source : Service Canada — EI reconsideration · Source checked on 2026-09-10 · Link to this question

Jurisdiction or program : Canada — federal/provincial jurisdiction

First check whether your workplace is federally regulated. The federal list includes banks, air transportation and several interprovincial industries. The relevant employment standards route depends on the workplace; a Québec address alone does not establish CNESST jurisdiction.

Records to keep: Write down the employer’s legal name, industry, work location, employment agreement and the issue you need assessed.

Source : Government of Canada — federally regulated workplaces · Source checked on 2026-09-10 · Link to this question

Jurisdiction or program : Ontario

For a claim covered by Ontario’s Employment Standards Act, the general filing limit is two years after the alleged violation. The wage-recovery period also matters. Confirm whether the ESA process applies: federally regulated work, union representation and a court claim can change the route. Put the unpaid amounts and pay periods in order instead of waiting for repeated informal promises.

Records to keep: Pay stubs, hours worked, scheduled paydays, employment agreement, bank deposits and written requests for payment.

Source : Ontario — filing an employment standards claim · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : British Columbia / Colombie-Britannique

Under BC employment standards, an employer who ends employment must pay outstanding wages within 48 hours. If the employee quits, the deadline is six calendar days after the later of the last working day and the quit date. Check that these employment standards cover your job, and compare the final payment with the wages actually earned.

Records to keep: Termination or resignation message, last shift, pay records, unpaid hours and the date the final payment arrived.

Source : British Columbia — final wages · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Alberta

Alberta’s employment standards complaint service accepts eligible complaints while you are employed or up to six months after your last day of employment. Filing is free. Check that the employer and issue fall under provincial employment standards; workplace safety, discrimination and federally regulated work use other routes. Keep the last-work date visible so an ongoing discussion does not distract from the filing limit.

Records to keep: Last day worked, employer’s legal name, pay statements, timesheets, contract and your calculation of the shortfall.

Source : Alberta — employment standards complaints · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Canada — Employment Insurance

Report the hours and earnings for the week when you did the work, rather than waiting for the paycheque. EI reporting covers each job, including self-employment, and uses earnings before deductions. Keep your own weekly record if a pay period crosses reporting weeks. Working may affect the benefit amount, and reporting the work does not by itself establish continued eligibility.

Records to keep: Weekly hours, gross earnings, work dates, employer details, pay stubs and your EI report confirmations.

Source : Service Canada — EI reporting · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Ontario

Ontario’s wage guidance prohibits a deduction for missing cash or property when the employee did not have sole access and total control, even with written authorization. Other wage deductions have their own requirements. Record who could use the till and compare the deduction with your wage statement. Confirm that Ontario employment standards cover your job before choosing the complaint route.

Records to keep: Wage statement, deduction amount, any authorization, till-access records, shift roster and employer explanation.

Source : Ontario — payment of wages and deductions · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : British Columbia / Colombie-Britannique

Section 4 of BC’s Pay Transparency Act prohibits reprisals because an employee disclosed their own pay to another employee or someone who applied to that employer. It also protects specified pay inquiries and compliance reports. This does not authorize taking or sharing someone else’s confidential payroll records. Keep the conversation and any threatened or actual adverse action clearly documented.

Records to keep: Your pay information, the relevant conversation, employer messages, before-and-after duties or schedule and dates.

Source : British Columbia Pay Transparency Act — section 4 · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : British Columbia

Not if the provincial illness-or-injury leave rules cover your employment. After 90 consecutive days with an employer, the entitlement is up to five paid days and three unpaid days per calendar year for your own illness or injury. Check how many days you have already used and tell the employer when you need leave. Other leave types and federally regulated jobs follow different rules.

Records to keep: Your start date, scheduled shifts, leave requests, days already used and corresponding pay statements.

Source : British Columbia — Employment Standards Act, illness or injury leave · Source checked on 2026-09-29 · Link to this question

Jurisdiction or program : Canada — CRA / ARC

The CRA has an income tax objection process for disputing assessments and determinations. Use the route matching the notice rather than treating every tax issue as a service complaint. Check that route’s deadline immediately.

Records to keep: Keep the assessment, relevant tax year, return, disputed amounts, supporting receipts and submission confirmation.

Source : CRA — objection routes · Source checked on 2026-09-10 · Link to this question

Jurisdiction or program : Canada — GST/HST / TPS-TVH

The CRA lists GST/HST objections separately from income tax objections. Follow the GST/HST instructions for that assessment, including its filing requirements and deadline.

Records to keep: Keep the assessment number, reporting periods, returns, invoices, payment records and your reconciliation of the disputed tax.

Source : CRA — objection routes · Source checked on 2026-09-10 · Link to this question

Jurisdiction or program : Canada — Disability Tax Credit

The application has two parts: you or your representative completes Part A, and an appropriate medical practitioner certifies Part B. For the digital process, share the reference number with the practitioner and follow the CRA’s format instructions. A practitioner may charge a fee. Medical certification supports the application; the CRA still decides eligibility.

Records to keep: Application copy or reference number, practitioner contact details, submission confirmation and CRA correspondence.

Source : CRA — applying for the Disability Tax Credit · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Canada — Canada Disability Benefit

Yes. Service Canada provides an application route even if you did not receive an invitation code. Use the official application page to choose online, telephone, in-person or mail service and check the required identity and status information. Applying without a letter does not establish eligibility; the benefit has separate age, tax-filing, residency and Disability Tax Credit conditions.

Records to keep: Application confirmation, any invitation letter, tax-filing records and the Disability Tax Credit decision.

Source : Service Canada — applying for the Canada Disability Benefit · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Canada — CRA

Wait for the notice of assessment before requesting a change. Depending on the return, use Change my return in your CRA account, ReFILE through eligible tax software, or a mailed T1-ADJ with supporting documents. If a change request is already pending, wait for the CRA’s response before requesting further changes to that return. Check which method supports your tax situation.

Records to keep: The assessed return, notice of assessment, missing slip or receipt, revised calculation and adjustment confirmation.

Source : CRA — changing a tax return · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Canada — CRA

Ask for the caller’s name, office location and callback number, then independently verify the contact using the CRA’s official verification guidance. Do not treat caller ID or knowledge of your personal details as proof. You can end the call while you verify. Use an official CRA number obtained separately before sharing sensitive information or acting on a payment demand.

Records to keep: Call date, claimed name and office, callback number, message text and any payment instructions received.

Source : CRA — verifying agency contact · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Canada — CPP disability

Service Canada says a written reconsideration request must be sent within 90 days after you receive the decision letter. Explain what you disagree with and organize the records that address the reasons given. Keep proof of when the letter arrived and when you submitted your request. CPP disability, Québec Pension Plan disability and private insurance are different programs; use the route named in your decision.

Records to keep: Decision letter, receipt date, original application, relevant supporting records and reconsideration submission proof.

Source : Service Canada — CPP disability after applying · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Canada — Canadian Dental Care Plan

Not automatically. CDCP eligibility looks at access to private dental coverage, not just whether you enrolled, used it or paid a premium. Coverage offered through a spouse or family member can also count. Check the limited pension opt-out exception separately. Confirm the information on relevant T4 or T4A slips with the employer or pension administrator before attesting that you have no access.

Records to keep: Benefit-plan offer, coverage terms, relevant T4/T4A codes, opt-out date and administrator confirmation.

Source : Health Canada — CDCP member eligibility review · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Canada — Passport Program

No. A passport reported lost or stolen cannot be used for travel if you later find it. Follow the Passport Program’s instructions for returning the recovered document and obtaining a replacement. Reporting the loss does not itself produce a replacement passport. If abroad, use the Canadian government office instructions for your location before making travel arrangements.

Records to keep: Loss-report confirmation, passport details stored securely, travel dates and replacement or return instructions.

Source : Government of Canada — lost or found passports · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Canada — telecom / télécommunications

Start by raising the issue with the provider. If that does not resolve it, the CRTC directs consumers to the CCTS for telecom complaints within its mandate. Accessibility complaints have a CRTC route.

Records to keep: Keep the contract, disputed bills, advertised offer, payment records, complaint number and the provider’s response.

Source : CRTC — telephone service complaints · Source checked on 2026-09-10 · Link to this question

Jurisdiction or program : Canada — banks / banques

FCAC explains that you may contact OBSI when the bank gives its detailed written response and closes the complaint, or once more than 56 days have passed since your complaint, whichever comes first. Provincial credit unions may follow a different process.

Records to keep: Keep the first complaint date, account statements, correspondence, requested resolution and the bank’s final response.

Source : FCAC — bank complaints · Source checked on 2026-09-10 · Link to this question

Jurisdiction or program : Canada — credit reporting / dossier de crédit

Dispute the specific entry with Equifax or TransUnion and provide records showing the error. FCAC also suggests contacting the lender. Correcting an error is free; an investigation does not guarantee the entry will be removed.

Records to keep: Save the report date, disputed entry, account statements, payment proof and copies of each dispute.

Source : FCAC — credit report errors and fraud · Source checked on 2026-09-10 · Link to this question

Jurisdiction or program : Canada — province/territory

FCAC notes that the federal government does not regulate credit bureaus. Start with the bureau; for an unresolved complaint about its treatment of you, consult your provincial or territorial consumer affairs office.

Records to keep: Keep the bureau’s response and a short list of the corrections you asked for and the evidence you supplied.

Source : FCAC — credit report errors and fraud · Source checked on 2026-09-10 · Link to this question

Jurisdiction or program : Canada — air passenger complaints / transport aérien

The CTA requires written contact with the airline first and time for a response, up to 30 days. Keep proof of that contact. The applicable claim deadline depends on whether the issue is a delay, cancellation or baggage problem.

Records to keep: Keep the booking, itinerary, disruption messages, written claim and airline response. Compensation depends on the applicable rules and facts.

Source : Canadian Transportation Agency — air travel complaints · Source checked on 2026-09-10 · Link to this question

Jurisdiction or program : Canada — air passenger complaints / transport aérien

Yes. The CTA asks for evidence of contact with the airline, booking information and receipts for expenses. A baggage incident report alone does not replace making a complaint to the airline.

Records to keep: Save the original files and a dated copy of each submitted document, including the complaint confirmation.

Source : Canadian Transportation Agency — air travel complaints · Source checked on 2026-09-10 · Link to this question

Jurisdiction or program : Québec

For ordinary goods, the OPC describes cancellation if delivery is still missing 30 days after the date agreed in writing, or 30 days after purchase when no delivery date was given. Send the cancellation before receiving the goods and keep proof. Special services and tickets have different rules. If the merchant does not refund, follow the OPC’s separate credit-card chargeback steps and deadlines.

Records to keep: Order confirmation, written delivery date, tracking history, cancellation notice, delivery proof and card statements.

Source : OPC — cancelling an online purchase · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Canada — bank and card accounts

Contact your financial institution promptly, identify the transaction and ask it to investigate. Reporting time limits and liability depend on the account or card and the circumstances, including how credentials were protected. Ask for the investigation reference and a written explanation of the outcome. Do not assume every unfamiliar charge is automatically refundable; first check whether it was authorized by a joint holder or another permitted user.

Records to keep: Transaction amount and date, statement, when you discovered it, institution contacts and the investigation decision.

Source : FCAC — unauthorized transactions · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Canada

Contact the financial institution or payment service quickly to report the fraud and ask what can still be done with the payment. Report the incident to local police and the Canadian Anti-Fraud Centre, and keep the reference numbers. Save the messages and transaction trail before blocking the sender. Reporting helps document the event but does not guarantee the money will be recovered.

Records to keep: Payment receipts, destination account details, messages, website addresses and bank, police and fraud-report numbers.

Source : Canadian Anti-Fraud Centre — what to do after fraud · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : British Columbia / Colombie-Britannique

The CRT handles most small claims of $5,000 or less, including many disputes over goods, services, contracts and loans. Some subjects are excluded or belong to another tribunal, so use its Solution Explorer to check the dispute type before applying. The free information tool is separate from filing a claim and paying any applicable tribunal fee.

Records to keep: Agreement, parties’ correct names and contact details, payment trail, relevant messages and a clear amount calculation.

Source : Civil Resolution Tribunal — small claims · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Ontario

Ontario does not provide a general cooling-off period after you sign a vehicle purchase or lease contract with a registered dealer. Read the conditions before treating a deposit as automatically refundable. A misrepresentation, missing required disclosure or unmet contract condition raises a different issue; document it and check OMVIC’s guidance. Private sales are not the same as purchases from a registered dealer.

Records to keep: Signed agreement, advertisement, VIN, deposit receipt, financing conditions and the dealer’s written statements.

Source : OMVIC — vehicle shopping tips · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Québec

Not necessarily. Legal warranties apply automatically to covered purchases from a merchant, even without an extended warranty. Reasonable durability depends on factors such as price, condition and normal use; there is no single guaranteed lifespan for every appliance. Explain the defect to the merchant or manufacturer and keep the response. A paid warranty’s expiry does not by itself answer the legal-warranty question.

Records to keep: Purchase receipt, model, price and condition, warranty terms, normal-use history, defect photos and repair assessment.

Source : OPC — legal warranties for small appliances · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Canada — Wireless Code

When a wireless contract includes an early cancellation fee, the Code requires a trial of at least 15 calendar days from service activation. Cancellation without that penalty depends on staying below the permitted usage and returning any supplied device in near-new condition with its original packaging. Customers who self-identify as having a disability receive an extended trial and usage allowance. Check the contract’s actual limits promptly.

Records to keep: Contract, activation date, usage totals, service problems, device condition, packaging and cancellation or return confirmation.

Source : CRTC — Wireless Code, section G.4 · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Québec

Since September 12, 2026, the OPC describes a requirement for an accessible, easy-to-find cancellation button for covered successive-performance contracts concluded online when the consumer may terminate for any reason. Check whether your contract falls within that rule; it does not mean every contract ends without charges. Save the cancellation request and confirmation, then verify whether later debits match the agreed end date.

Records to keep: Online subscription terms, sign-up date, cancellation-screen captures, request confirmation and subsequent account charges.

Source : OPC — new subscription protections · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Québec

For a covered prepaid card with a cash value, a balance of $5 or less must be refunded on request. If the card names a merchant for refunds, contact that merchant; otherwise, ask a merchant that accepts it. This rule excludes cards issued by financial institutions for use throughout the payment network shown on the card. Check the card type before requesting repayment.

Records to keep: The card terms, issuer, current balance, purchase receipt if available and the merchant’s reply.

Source : OPC — refund of a prepaid card balance · Source checked on 2026-09-29 · Link to this question

Jurisdiction or program : Québec

For a covered fitness-centre contract, cancellation before services begin is free. During the first tenth of the contract’s duration after services begin, the fee can be one tenth of the total contract price. Later cancellation follows different Civil Code rules; do not assume the same fee cap. Send the cancellation form or another written notice and keep proof of sending. Simply not attending does not cancel the contract.

Records to keep: Keep the contract, service start date, total price, payment history, cancellation notice and proof of sending.

Source : Québec OPC — cancelling a fitness-centre membership · Source checked on 2026-10-01 · Link to this question

Jurisdiction or program : Canada — IRCC

Eligible online applicants may receive a WP-EXT letter to show with their current permit. It describes continuing work under the original conditions while IRCC processes the application. The letter is not permission for every applicant or every new job.

Records to keep: Keep your current permit, submission confirmation, payment receipt and any WP-EXT letter together.

Source : IRCC — after applying to extend a work permit · Source checked on 2026-09-10 · Link to this question

Jurisdiction or program : Canada — IRCC

Use IRCC’s address-change guidance and select the process that matches your application and location. Some applications use an online address tool; others require a web form or a particular office. Update the contact information for the pending application and retain confirmation. Do not assume arranging mail forwarding also updates the application record.

Records to keep: Application and client identifiers, old and new addresses, move date and the submitted update or confirmation.

Source : IRCC — changing an application address · Source checked on 2026-09-24 · Link to this question

Jurisdiction or program : Canada — CRA / ARC

For separation caused by a relationship breakdown, the CRA says to wait at least 90 days before reporting separated status. Once that period is met, the effective date is the day you started living apart. A status change can trigger benefit and credit recalculation.

Records to keep: Keep the date you began living apart, the update confirmation and later benefit notices. Check that the effective date is correct.

Source : CRA — marital status and benefit recalculation · Source checked on 2026-09-10 · Link to this question

Jurisdiction or program : Canada — federal/provincial guidelines

No. Which guidelines apply depends on the family’s situation. Provincial or territorial rules apply when parents were never married; divorce cases have federal rules with designated-province exceptions. Justice Canada identifies Québec, Manitoba and New Brunswick as designated provinces.

Records to keep: Record both parents’ provinces, marital and divorce status, existing orders, income records and parenting arrangements before choosing a table.

Source : Justice Canada — which child support guidelines apply · Source checked on 2026-09-10 · Link to this question

Jurisdiction or program : Canada — federal child support tables

Yes. Justice Canada says updated federal tables took effect on October 1, 2025. Check the version and the period being calculated, as well as whether federal tables apply. An online estimate does not itself change an existing order.

Records to keep: Keep the table version, income year, calculation date and existing order so a professional can check the comparison.

Source : Justice Canada — child support · Source checked on 2026-09-10 · Link to this question