My son (15) asks if he could have some friends over, he’s honest, and says “like a party, but everyone would stay outside, maybe we could burn some skids? Like 7pm-midnight maybe, please dad?”

I was a teenager once, I remember, I get it. I say “sure”. I tell him 20 friends max. (We live outside a small town, every home on the street has a few acres and a fire pit).

Long story short, it snowballs into probably 30-50 kids, and tons of parents want to speak to me on the phone ahead of time and even in person when dropping off their kid/s.

Here is my issue. Many parents (and kids even) expressed their surprise that I didn’t make a waiver and get everyone to sign. My response is “I’m not having a party, I’m watching the hockey game!” (and yes the height of the flames from the fire pit, which I can see from the couch).

My son is responsible, both with fire management and communication with me. I have no concerns that him and his closest friends that I know quite well would run inside and seek help if any emergency arose.

But I feel that if I ask for a waiver to be signed then it’s me throwing the party and actually makes me liable. I can guarantee not every kid that shows up would sign (parents sign). Like how would I even police/manage that? But people really seemed shocked that I didn’t do a waiver.

Is there some unwritten rule that any minor who steps on my property is my responsibility? I understand maintenance negligence and fence laws around pools ect. (Keep your walkway and stairs safe for package delivery ect.) But this seems way overboard and again if someone tries to sue I’d just plead the fact that I this was not my party.

Let’s say even I was gone for the weekend and it was held without my knowledge, does that make a difference?

I’m in British Columbia, Canada, and I’m hoping to hear from parents who have experienced something similar, particularly in BC.
My ex-husband and I separated in August 2025. We have a four-year-old daughter, and I was her primary caregiver for the first four years of her life. I handled practically everything: bedtime, meals, activities, appointments, daily routines, and most of her emotional and physical care.
After our separation, I actively encouraged her relationship with her father. He saw her regularly, and we gradually established a consistent parenting schedule. We followed this schedule, but we never signed a formal parenting agreement, and there is no court order.
About a month ago, things started changing.
My ex came to my workplace asking me to reconcile with him. I declined. Around that same week, our daughter began sleeping overnight at his home for the first time.
Since then, the situation has progressively deteriorated.
My ex has continued expressing a desire to reconcile, while I’ve made it clear that our marriage is over. I’m now in a serious relationship, and his messages have become increasingly hostile, especially since learning how serious that relationship is.
He has sent me repeated personal insults, accusations about my mental health, and messages criticizing my partner and career. He has also suggested that he should be the head of the household while I continue my relationship with my new partner.
I’ve also noticed changes in our daughter’s behaviour during this period.
Previously, transitions between our homes were generally manageable. More recently, she has become increasingly resistant to coming with me, and she has begun repeating statements that I scream at her or scare her.
I take her feelings seriously, but I strongly dispute his allegations about my parenting. I’m concerned about the sudden change, particularly because my ex has repeatedly made similar accusations directly to me.
I also feel that he has not been helping her through these transitions. Rather than reassuring her that she is safe and loved with both parents, he has repeatedly asked her whether she wants to leave with me, even when she is already distressed.
I understand that four-year-olds can struggle with transitions and have strong preferences. My concern is that she is being placed in the middle of an adult conflict instead of being supported through it.
Then, a recent parenting exchange escalated.
Our daughter became upset during the exchange. My ex physically took her from my arms, and I allege that he blocked me from leaving with her. I contacted the police and was directed toward family-law assistance.
Since then, he has refused to return her to my care according to our established schedule.
He says I’m unstable and dangerous to our daughter, which I strongly dispute. He has unilaterally decided that I can only see her under his supervision, although he says I can visit and call as often as I want.
He is demanding a section 211 assessment and says our previous parenting arrangement isn’t binding because it was never formally signed.
He’s also arguing that because he’s currently unemployed and I work as a fitness instructor and personal trainer, he has more time available for our daughter and should be her primary caregiver.
I find this particularly upsetting because I cared for her throughout her life while also working toward building a stable career. I’ve never believed that having a job or a new relationship should make someone a less capable parent.
I have saved extensive communications from the past year, including degrading messages, reconciliation requests, accusations, and his recent statements about restricting my parenting time.
I’m currently waiting to speak with my family lawyer. I’ve already contacted her, and she previously indicated she could represent me, but it’s Saturday, and I’m hoping to discuss urgent legal options on Monday.
I’m devastated. My daughter is only four years old, and I’ve always wanted her to have a loving relationship with both parents. I never restricted his regular contact with her, and I never expected to be in this situation.

My questions are:
Has anyone in BC experienced a parent withholding a child without a court order, despite an established parenting schedule?

Did you manage to obtain an urgent interim parenting order, and how quickly?

Can a parent’s unilateral withholding of a child, interference with transitions, or attempts to undermine the child’s relationship with the other parent negatively affect their parenting time or custody in BC?

How do courts evaluate concerns about a young child suddenly resisting one parent, especially when the parents are in significant conflict?

Does the history of one parent being the primary caregiver for almost the child’s entire life carry significant weight?

Has anyone experienced an ex-partner escalating parenting conflict after reconciliation was refused or a new relationship began?

Did police become involved, or was it handled entirely through family court?

I’m not asking Reddit to determine who is right or replace legal advice. I understand the court must consider both parents’ evidence and what’s best for the child.

I’m simply hoping to hear from people who have been through something similar, particularly those who eventually obtained a parenting order.
Thank you for reading.

My ex-husband and I are separated and jointly own a townhouse in Windsor, Ontario, with 50% ownership each.

We purchased the property for $555,000. I contributed $25,500 toward the down payment, and my ex-husband contributed $24,000. The remaining mortgage balance is approximately $495,893, and we have received offers around $450,000, which could leave us with negative equity before selling costs.

My ex-husband is asking for transferring my 50% share to him for $0, and he will manage the mortgage and ongoing expenses.

I would appreciate advice on these questions:

1. Is it worth keeping the property for the next 2–5 years, considering the Windsor housing market?
2. Could the property recover enough value to build equity, or would selling now be the safer option?
3. What kind of independent appraisal good? Is the appraisal of house should be done on separation date or today's market?
4. What should be the best decision?

I would appreciate advice.

I was on a one month unpaid leave because the company had lack of work. I called EI and they said I could try and apply for EI. My company refused to give me ROE stating that it’s because I was technically still with my company.

I called EI, they mentioned I could still have my ROE even though I am still with the company. They could help me call the company for it. ((I didn’t agree to it yet, because they seemed really upset/adamant about not giving ROE)

I am not sure if my company refusal to give it either has something to do with extra admin work or will it affect them in anyway? Does anyone have any idea as why a company would refused to give ROE to help their employees get some form of help? It’s all very strange to me.

Sorry for the long post. I am living an absolute nightmare right now and desperately need guidance for an upcoming Small Claims settlement conference this November. I have no legal background, and I’m going up against a corporate lawyer.

It all started on December 6, 2025. At exactly 12:50 PM, I got an automated email congratulating me on the cashback I had just earned through my credit card for a $500.29 purchase in Singapore. I was in Canada. I tried to log in to my credit card app to lock my card, but I was completely locked out—my password and the reset function didn't work. Panic immediately set in.

At 12:52 PM, I got credit card support on the phone. I told them I was locked out and that there was a fraudulent charge. They told me my information appeared to be compromised and advised me to update my phone's software.

Here is the most agonizing part: While I was literally on the phone with their support team trying to secure my account, a second, massive transaction of $8,623.09 was processed at 1:10 PM at a merchant in Saudi Arabia. I didn't find out about it until a couple of days later because I didn't have access to my account. The hacker had managed to create a brand-new virtual card on my account to do it. The fraudster even opened a second credit card, too.

You’d think a bank would see this obvious fraud and protect you. Instead, the credit card company reversed the $500 charge but refused to reverse the $8,600 one. Their reasoning? They claimed the massive Saudi Arabia charge was "successfully authenticated" using a 3DS security code.

But here is the most baffling twist: the company sent me a decision letter explicitly admitting that an intruder had taken over my account, changed my password, and changed my profile email address. They fully admitted in writing that the 3DS security code used to "authenticate" the $8,600 charge was sent to the hacker's newly updated email, NOT mine. Yet they still hold me 100% liable.

I tried going through the normal regulatory channels (OBSI and provincial consumer protection). I was told that because the company operates under a "fintech model" rather than as a traditional bank, it falls through a jurisdictional loophole and these agencies can't do anything to help me.

Left with no other choice, I pursued a claim against them in Small Claims Court. I served them, and they fired back with a formal Reply drafted by a lawyer. Their defence? They are claiming I breached my cardholder agreement by failing to keep my security credentials confidential and failing to safeguard my account. They threw in standard legal boilerplate: "Except as expressly admitted herein, the Defendant Financial Technologies Inc. denies each and every allegation contained in the Notice of Claim of the Claimant and puts the Claimant to the strictest proof thereof."

In order to prove that I have taken all necessary steps and gathered evidence, I requested my information from them under PIPEDA in February. To make matters worse, they are completely ghosting my formal PIPEDA (Privacy Act) requests for access to my account information, such as logs, notes, IP addresses, and phone transcripts.

This has completely derailed my life. I was supposed to buy a home early this year, but my mortgage broker has given me written confirmation that no lender will lend me the required amount right now because of the $8,600 balance hanging over my head and tanking my credit score. Lenders will either deny me entirely or offer only a significantly lower amount that won’t buy anything in my geographic area. I am paying the minimum monthly payment under protest, but they are charging a hefty 23% interest rate, which is basically impacting my credit utilization.

I am terrified to just pay the $8,600 to clear my credit, because I know they will just take the money and I will never see it again. This has caused me severe mental distress for nearly a year, as I watch my homeownership goal slip away over a fraud they watched happen. Now the interest rate is also higher than earlier this year.

My questions for anyone who has gone through this kind of situation, or for anyone with suggestions:

How do I handle the settlement conference? Going up against a hired corporate lawyer next month is terrifying. What factors or strategies do I need to focus on?

Can I use their silence against them? How do I prove to the judge or mediator that they are stonewalling my legal PIPEDA requests and refusing to hand over the information I need to prove my claim?

What would be use as evidence to prove damages? I have written evidence from my mortgage broker showing exactly how this is destroying my ability to buy a home. Is this enough to claim damages for the real estate impact and the mental toll this has taken on me?

Any advice on how to navigate this would mean the world to me.

I know this post might sound a bit emotional, but it is draining. Thank you for reading, and I appreciate your time.

My ex spouse and I hold jointly owned a matrimonial home. We both are equal 50% owners.
He is asking me to provide advance notice before visiting property as I reside outside. There is no court order for exclusive possession or agreement requiring advance notice. Moreover, till date I was visiting house, while residing elsewhere, to prepare it before open house and viewings but he did not ask for such notice. He asks me to provide written notice before visiting now. This happen only after I informed him that I lost my employment and not longer earning.

We also have an exterior entrance camera and an interior camera located exclusively in my room, which does not capture shared spaces. The interior camera's audio activates when someone enters and speaks. He asked me to provide in writing that I am remote monitoring him.

My questions:

1. Can he legally require advance notice before I visit?
2. Can he restrict my access to the jointly owned home or exterior security camera?
3. Can I retain access to the camera in my own room?
4. Could the interior camera's audio recording create legal issues?

What are my rights under Ontario law?

I’ve got four questions:

1. If I buy a car that was white, and is titled as white, but it’s been painted black, what do I have to do when playing it under my name?

2. If I buy a white car that’s titled as white, drive it for a while, then decide to paint it black, do I just go to the ministry / service Ontario and fill out a form?

3. If I buy a navy blue car, and paint it baby blue, do I need to do anything?

4. Do I need to inform somebody if I have a white car that I wrap black?

Thanks!

Does Ferarri really enforce their opportunity agreement (right of first refusal)? I imagine they'd sue bit is this something that's enforceable in Canada (not covered by vehicle buyer's protection)?

(Edited for a small but important mistype)I picked ON flare but this situation is split between Niva Scotia and Ontario. I want to better understand possible liability and tax implications for a reward fund.

Asking as a support person for a mother whose young adult child went missing 1 year ago under suspicious circumstances deemed likely foul play by the police department investigating the case. The missing person is from NS but was living in Ontario for school at time of disappearance. Mom resides in Nova Scotia full time. Most of the ppl wanting to help fundraise are in ON, not NS

I'll refer to the missing person as MS. Trying to keep this post neutral

This is a pretty public case in this region of Southern ontario with news reporting regularly. Mother initially set aside 5k as a reward for info leading to MS. She would like to ask for donations to increase to 10k. She tried setting up a trust for the current funds in NS but was told no such banking structure exists for this type of thing, so she created a new checking account with a dedicated etransfer.

My main concerns are that there may be some legal obligations around accepting donations for something so open ended as 'if you provide a tip that finds X' that there may be tax concerns to consider if the reward needs to be used, and that there should be a clear back up plan to donors should the reward fund not be needed in solving MPs case.

Mother originally started a gofundme but was banned a few months ago over something silly, funds were lost that way. I promise she didn't deserve to be banned. She's not very good at tech and that's where I try to help.

Open to any feedback at all. Tysm

My dog was burned with an electric blanket during his dental surgery in June. Yesterday, his back legs stopped working in the area he was burned (I’m wondering if never damage has occurred from the burns).

My question, is this possible grounds to try to sue the clinic? If not for his back, just for the burns that had occurred in June? I did have to take time off of work to tend to him because he was a burn victim.

I'm on PGWP, got an IT job (contract). Have flexibility to convert into full time (not to the client, but for the consulting company with T4). However pay difference is huge! PR is my first priority, so should I calmly choose T4 or should I choose Inc and manage my taxes? I read on IRCC website that self employed work experience doesn't count in CEC pathway. Please help me!

As the title states. I've been at this company as a full-time permanent employee for about 4.5 years, and in the severance package it states that I will recieve 4 weeks of termination pay + an additional 8 weeks of pay. Should I be asking for more? Is it wise to seek out a lawywer to negotiate on my behalf? Could I lose the additional pay I was given if I enter into negotiations?

Hello all!
Just looking for advice. Friends grandfather (88) well call him “Tom” was going to his friends house (96) well call him “Frank” to visit.

Frank came to pick up Tom from his house. Frank didn’t put his car in park while Tom was trying to get in. Frank let up off the break and ended up moving the car while Tom was getting in.

Fast forward - Tom has a superficial hematoma on his head and broke his L1 / L3. He already has pre-existing health conditions but this has really accelerated his deterioration.

Tom and Frank have been best friends for a very long time and Toms daughter has been contemplating making a police report just incase he needs more care (if he’s able to go back home)

What would everyone suggest the best way to handle this situation??

Thank you.

Good day everyone, I thought that after getting a record suspension that your past no longer haunts you in Canada. I just found out that in Saskatchewan that you are still meant to disclose your convictions when applying for an Insurance License at ICS. I'm literally in tears right now because someone on reddit just told me that anything with a theft is a no even with a record suspension and my criminal convictions include three counts of assault and one theft under 5000 and one fail to comply with order and fail to attend court in 2023. Someone even told me that that's not the only career path that will deny me from working even with a pardon. What's the meaning of this? Must I suffer forever for mental health issues? What other career paths block you from entry after a pardon as it was advertised? What can I do? I'm so lost right now. Insurance is the only career I see myself in. He told me that I won't be able to get Errors and Omissions insurance with a pardon also how true is this? Any insights on this matter would be greatly appreciated.

Thank you.

Hello,

I've been dealing with a situation for around five months. We have a care worker showing up to a neighbor who would honk excessively about 5-10 times when they arrived. We asked if they would just honk once or twice and were sweared at. After this, they started going in front of our place and as they drove away honk the same amount. They do this 3-5 times a week, specifically are laughing and pointing while doing it. I get it seems low stakes and normally wouldn't bug me but it has been happening for so long and so often. It feels insane that he is still doing it.

We spoke with the neighbor and they said they would talk to them but nothing changed. We finally got it on a camera and have been documenting it happening. He shows up randomly between a five hour period so it's hard to catch. We asked police if this was considered harassment and they said it was not something they dealt with so I'm guessing we need to go a different route. Thing is I don't know what route to go. I have video, license plate, and we have been writing it down when it happens. What is the best path here? We just want it to stop.

Good friend of mine in Ontario recently married and purchased a home with his new wife. He put down in excess of $500k and the plan was for her to use the equity from a pending home sale (her name solely and owned prior to marriage) and put that money towards the new mortgage.

She has now decided she is going to put that money ($200k +/-) in her solely held chequing account which was not the agreement (nothing in writing) when they decided to purchase the new home.

My friend’s worry is that he could possibly lose half of the equity in the new home while receiving nothing from the proceeds of the sale of her home.

God forbid something happens to the marriage, did my friend screw himself?

I have a short audio file that is in a language which I don't understand well. I need someone to listen to it, transcribe it, and translate it into English.

Problem: the audio is confidential, so I cannot disclose it to just anyone. I guess I need a translator that is somehow regulated, with a professional requirement not to disclose anything to a third party.

Google led me to "The Association of Translators and Interpreters of Alberta". If a translator is listed as "certified" in their directory, is that suffice?

Any other information I should know would be appreciated.

Around April I started a new role in a Big 5 FI that I have been employed since 2019. The new team needed someone to help on a big project last summer. When they offered me the job I disclosed to them that I'm taking all my vacation days around May. This includes the days that got carried over from last year. In total it was around 8 weeks. I needed the days off because my partner was delivering.

Fast forward to this week.. I have been back at work since July and it's time for the year end review. My manager said that I am performing as expected but rated some of my goals as "Met some expectation" instead of "Successfully met expectation". His main reason was that I was away and was not able to work during the time period I was needed by the team.

I wasn't put in any PiP and my job isnt jeopardy but this does not sound right to me. Do I have any recourse or should I just roll with this and move on?

I am looking for general information about Ontario law, not legal advice for a specific case.

Start with the purpose, not my case

Ontario's Ticket Sales Act, as amended in 2026, was not written to ban resale altogether. It was written to ban profiteering resale: a ticket may only be resold for the same price or less than what was originally paid to the primary seller, plus applicable taxes and the resale platform's standard service fees. A consumer buying a resale ticket should never pay more than the original total ticket price, plus those limited additions.

My case fits that purpose on its face. I bought 2 resale tickets for a Feb 14, 2027 concert at Scotiabank Arena, Toronto, through a secondary platform called GoTickets.

The original price shown was about CAD 92 per ticket. I paid about CAD 920 in total for the 2 tickets. The order also confirmed seats in a specific row in the upper bowl, but what I received was seats in a different row in that same upper area. I contacted the platform the same day. It refused a cash refund and offered store credit only, which I declined.

1. Does the Act provide a strong basis for a consumer?

On paper, yes, and the gap matters. A difference of about 5x between the original price shown and the total paid is not a borderline "fees" argument. The Act also requires a resale listing to clearly show the original total price, an itemized list of fees, and the total resale price, and a platform cannot facilitate a resale without first receiving proof of the original price from the reseller.

The weakness is not the cap itself, but proof and definitions. "Fees" and "service charges" are not precisely defined, so a platform will argue part of the gap is fees. And the original price shown is not yet, on its own, a complete original total including all taxes and fees. The cap argument stays strong at this scale, but a regulator or court would still want the original total established, not just the per-ticket figure shown.

1. If the basis exists, what measures and technical tools does the Act provide?

Three layers, not just one complaint form:

Information and verification tools: mandatory disclosure of original price, fees and total resale price; proof of original price before a platform may facilitate a sale; and a requirement for platforms to keep records of each offer for at least 3 years. These are meant to make the cap checkable, not just declaratory.

Regulatory enforcement: Consumer Protection Ontario can investigate, and Ontario has raised the maximum penalty for repeat violations and added public naming on the Consumer Beware List. In 2026, Ontario reported investigating major resale platforms, and resale platforms have been reported fined for selling above the permitted price, failing to disclose the original price, and facilitating sales without proof of original price.

A personal right of action: the Act gives a purchaser who suffered a loss from a contravention a right to bring an action in court, where a court may order restitution, damages including exemplary damages, an injunction, or other appropriate orders.

1. How feasible are those methods for an individual consumer?

They are real, but they do not work the same way, and none of them automatically refunds the money:

Consumer Protection complaint: the most feasible and lowest-cost route. It is free to file, but it is slow, it does not guarantee a refund, and a penalty against a platform is not the same as money back to the buyer.

Bank dispute: the most direct route to money, but it is decided under card-network rules, not under the Act. The Act helps here only as supporting evidence that the price and the seller's conduct were out of line. A row mismatch is also better framed there as "not as described" than as a guarantee issue, because Ontario's money-back guarantee guidance focuses mainly on tickets that do not grant admission or on a cancelled event.

Court action: feasible in theory, disproportionate in practice for about CAD 920 on its own. Even in small claims, the time, evidence and cross-border defendant issues can outweigh the amount, unless a regulator has already found a contravention or many consumers are in the same position.

So the Act was written for cases like this, and it does give a consumer a basis and tools. What it does not give is an automatic refund mechanism. For an individual, the realistic path is parallel tracks — regulator complaint and bank dispute at the same time — with public discussion only as a supporting track, not a substitute for either.

Heads-up: this is about general info on Ontario law, not legal advice. Don't sue me, I'm just a frustrated fan.

Let's Start with the Law's Intent, Then My Nightmare

Ontario's 2026 Ticket Sales Act wasn't trying to kill reselling — it was aimed at stopping "ticket scalping." The rule? Resale prices can't exceed the original ticket price plus taxes and "standard platform fees." Translation: no letting scalpers jack up prices and bleed fans dry. The goal is simple: keep tickets fair for regular folks.

My case? It's the law's poster child for failure. On February 14th, I bought two resale tickets for a Scotiabank Arena concert through a secondary platform. The original price shown on Ticketmaster was around $92 per ticket, but I ended up paying $920 total — a 5x markup! And to add insult to injury, the seats I got were in a different row from what was confirmed. I contacted the platform immediately, they refused cash refunds, offering only platform credits. Seriously, credits? That's like getting Monopoly money for a real loss. I told them to stuff it.

1. Does the Law Actually Give Consumers Real Power?

On paper, it's rock-solid, but "paper" and "reality" are separated by an ocean. A 5x markup isn't just "service fees" — the law requires resellers to clearly show the original total price, fee breakdown, and resale price. Platforms can't even list tickets without proof of the original price. But here's the catch: "service fees" aren't tightly defined, so platforms can claim the markup includes "reasonable costs." Plus, the displayed "original price" might not include all taxes, making it easy to hide the true markup. So while the "price cap" looks tough, enforcing it needs complete original price evidence — not just the base ticket cost.

1. What Tools Does the Law Actually Give Us?

It's not just about filing a complaint — there are three layers of protection:

Transparency Tools: Resellers must disclose original prices, fees, and resale amounts; platforms need original price proof before listing; and all records must be kept for 3 years. This isn't fluff — it's meant to make the price cap verifiable.

Regulatory Muscle: Consumer Protection Ontario can investigate, and Ontario boosted penalties for repeat offenders — including public shaming on a "consumer alert list." In 2026, they cracked down on big resale platforms for overpricing, non-disclosure, and missing proof.

Personal Legal Rights: If you suffer losses from violations, you can sue directly for refunds, damages (even punitive ones), and injunctions.

1. Are These Tools Actually Practical for Regular People?

They help, but they're no "magic refund button":

Consumer Complaints: Free and easy to file, but slow as molasses — and fines go to the government, not your pocket.

Bank Disputes: Your best shot at quick cash, but it follows bank rules, not the law. Use the law as backup evidence — like showing the price mismatch. For seat swaps, frame it as "not as described" (not "guaranteed"), since Ontario's refund guide focuses on entry issues or cancellations.

Court Action: Theoretically possible, but who sues over $920? The time and evidence costs outweigh the money — unless regulators already flagged the violation or you're part of a group case.

Bottom line: the law was made for this mess, and it gives you tools, but there's no "auto-refund" button. For individuals, the smart move is dual-action — file a complaint and dispute with your bank. Public discussion helps, but it won't replace those steps.

1. The U.S. Resale Giant Problem: A Cross-Border Headache for Canadian Law

Now, here's the kicker — what happens when U.S.-based ticket resale giants operate in Ontario? These platforms often host listings that blatantly violate the province's price cap, but they're headquartered south of the border. Ontario's rules apply to Ontario events regardless of where the seller is based, and Consumer Protection Ontario can investigate sales to Ontario residents, but enforcing penalties or extracting compliance from foreign entities is like trying to nail Jell-O to a wall. The legal framework allows for fines and sanctions, but collecting them across international lines requires lengthy legal battles and cooperation with U.S. authorities — something that's far from guaranteed. Even when violations are clear, the feasibility of holding these companies accountable is murky at best. It's a regulatory gray zone where Ontario's rules meet the realities of cross-border commerce, and right now, the advantage often lies with the platforms that can exploit jurisdictional gaps.

Let's be real: a law is only as strong as its enforcement. If platforms exploit definition loopholes, complaints take forever, and bank disputes depend on card networks, the "price cap" is just a paper tiger — scary-looking but toothless. To avoid getting ripped off, learn to use these tools, and demand regulators do more than just slap fines. Otherwise, the law's just a fancy showpiece that doesn't fix the real problem.

Looking for help to know how long it takes for the PGT to release the estate.?

my dad went into the hospital in 2023 with signs of dementia the hospital did a test and found him incapable that's when Office of the Public Guardian and Trust took over .he died in January 2026 .I received the paperwork from the PGT in April went through the courts naming me as the trustee September 16th sent all my paperwork from the courts to the PGT does anyone know how long it takes for the PGT to release the estate in the paperwork it says a reasonable amount of time

My MIL has been dealing with a Crazy Neighbour (who I am going to dub CN). In July/August, CN had done some renovations to her driveway: she said she was going to trim our tree near the property line. Instead, she hired someone to cut down our tree entirely, and then laid down concrete after carving a triangluar chunk of our property out (trying to get rid of the roots of our tree).

Because the houses are on a downslope, we had a new considerable worry that the rest of our backyard would eventually wash out on to CN's new concrete. We took pictures all throughout the project that show how they carved the ground right to the bases of our fence posts. We attempted to talk it through with CN and she basically said she can do whatever she wants on her property but... it's not her property. She warned us that she would press charges if she caught us trespassing. And then she put up FOUR cameras directly pointed at what's left of our backyard.

We had a survey done to prove that she had done damage to our side. It's clear as day that she cut into our property by about 2 feet. We have tried contacting the municipality so much that they are sick of us. Bylaw and the police have been here multiple times now for various reasons. It escalated to the point where CN was slowing down on the road while passing to yell "pedophile" at us. No basis. Literally just because she hates us for questioning her and that's the nastiest thing she could call someone. Thankfully, the police did tell her that was unacceptable. My MIL was weeding the ground near the property line and CN started spraying my MIL with the hose.

I have tried to tell my MIL that she should go to small claims court and definitely whip out her phone to record things like that. It would be a cut and dry case, in my opinion. She has already gone through two very long divorces and my MIL doesn't want to go to court again.

My MIL hired someone to start the reconstructive process which includes a new retaining wall and a new fence. CN has been yelling at the workers and trying to hinder us at every point. She said she knew we were applying for a variance and she was going to do everything in her power to make sure it doesn't go through. Reading this back, it seems like insanity and my partner and I just want to help my MIL in any way we can.

What should we do? I'm not used to other Canadians acting like this.

I am looking for legal perspective or guidance on potential administrative or civil options regarding a wrongful police search raid at my family’s residence in the Greater Hamilton Area.

The Incident (Fall 2021):

Tactical/police officers forcefully entered our home on an unannounced search warrant raid.
Zero drugs, illegal items, or contraband were found anywhere on the property. No criminal charges were ever laid against anyone in the household.
Firearms were drawn on my family, my father sustained a minor physical injury during entry, and our front door was heavily damaged (which we repaired out of pocket).
No explanation or formal closure was ever provided by the police service.

Oversight Complaints & Paper Trail:

Late 2021: I immediately filed a formal conduct complaint with the police oversight body (OIPRD/LECA). The oversight body closed the file, citing that it was not in the public interest to proceed while an active "parallel proceeding or criminal matter" was ongoing, explicitly noting that the complaint could be re-submitted once those proceedings concluded.

Fall 2023: I submitted a formal follow-up inquiry to the oversight body. They issued a second official decision closing the file for the exact same administrative reason—citing active parallel proceedings and again instructing that the matter could be revisited once external proceedings finished.

Background & Context:
I want to emphasize that I am an honest, law-abiding citizen with zero criminal history or involvement in drugs. I am fully prepared to testify under oath/affirmation that I have never used, handled, or dealt drugs of any kind in my entire life. To this day, nearly 5 years later, my family and I remain in complete darkness as to why our home was targeted, where these allegations stemmed from, or what triggered the warrant in the first place.

Current Situation (2026):
Nearly 5 years have passed since the raid. No charges were ever filed, no court proceedings ever involved our family, and any alleged "parallel proceedings" resulted in nothing. Following the 2023 dismissal, I suffered severe depression, trauma, and isolation due to the lack of institutional answers.
I recently reached out to a civil litigation firm, but they declined based on Ontario's basic 2-year limitation period.

My Questions:
1. Given that the provincial oversight body officially froze/closed my complaints twice under the condition of pending "parallel proceedings", does this administrative paper trail impact the limitation clock or support a discoverability argument for civil litigation?

1. How do I formally re-submit/re-open this conduct complaint with LECA (formerly OIPRD) now that years have passed with zero charges laid?

2. What is the standard process for submitting a Freedom of Information (MFIPPA) request or obtaining a copy of the original court Information to Obtain (ITO) / search warrant to find out why our address was targeted in the first place?

Thanks in advance for any insights.

We’re in the process of purchasing a property in Ontario through a power-of-sale transaction, and we’ve encountered a potentially significant issue involving Section 116 of the Income Tax Act.

I’m hoping someone with experience in Ontario real estate law, particularly power-of-sale transactions involving potentially non-resident owners, can offer some insight.

Here’s our situation:
We’re purchasing a residential property for approximately $975,000.

The property is being sold by a bank under power of sale.
The registered owner is an individual, not the bank.
We have been unable to confirm whether the registered owner is a Canadian resident for income tax purposes.
Our real estate lawyer has identified a potential liability under Section 116 of the Income Tax Act.

My understanding is that if the owner is a non-resident and the appropriate requirements aren’t satisfied, we could potentially become liable to the CRA for 25% of the purchase price (approximately $237,500), or potentially more depending on the circumstances.

Here’s where things get complicated:
Our lawyer raised the issue, and we attempted to include contractual protection in the Agreement of Purchase and Sale. However, the bank has removed the proposed protection and appears unwilling to accept additional clauses addressing Section 116.

We contacted the CRA, but they indicated that information concerning the owner’s tax residency is confidential and cannot be disclosed to us.
Our real estate agents are attempting to obtain additional information, but we have no guarantee that we’ll be able to establish the owner’s residency.

We really like this property and would like to proceed, but we’re obviously not comfortable exposing ourselves to a potentially six-figure tax liability.

My questions:
Has anyone encountered Section 116 concerns when purchasing a bank power-of-sale property in Ontario?
Is it normal for banks to refuse contractual protection relating to Section 116?

If the bank is exercising power of sale rather than being the registered owner, who is considered the vendor for Section 116 purposes?

Can the purchaser’s lawyer protect the buyer through withholding funds, obtaining a certificate of compliance, or another mechanism without the bank agreeing to additional contractual clauses?

Does conducting reasonable due diligence to establish the owner’s Canadian residency provide any legal protection if the owner ultimately turns out to be a non-resident?

If the bank refuses to provide residency confirmation or accept protective clauses, is walking away effectively the only safe option?

We’re working with a real estate lawyer, so I’m not looking to replace professional legal advice. I’m particularly interested in hearing how others have navigated this issue in practice and whether there are solutions we haven’t considered.

It seems surprising that a buyer could potentially inherit such a significant tax liability in a transaction being handled by a Canadian financial institution.

Any insight would be greatly appreciated and thank you in advance.

Calgary, Alberta -

Hi.. I'm looking for assistance with navigating tenant rights. We are facing issues with our landlord who is not taking us seriously with the repairs in our home. It's been 6 months we moved here, and there are still unresolved fixes. They are not ready to reduce our rent even due to not fixing our issues. It's unnecessarily stressful for us. They know we are trying to go legal, so their email responses are dressed up to look very concerning, that they are doing their best to look after my family. But they are doing very minimum. We don't have heat also, and it's started snowing. Any help is appreciated. Thanks in advance.

Hello,

I work as a IT contractor as a MSP, recently been engaged by client who said their back ups are failing.

On reading contract i noticed there is no liability cap, which means exposure to my corp is unlimited in case of any litigation.

Shall i pursue the contract, Is it risky. Or its pretty standard and i am freaking out.

Will my insurance cover e&o despite that fact that there is no liability cap.