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Can I get out of my car’s multiple security plans?

18 Oct 17
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I bought a a year ago. I also purchased anti-theft protection ($595), rust protection ($1,595), paint protection ($595) and fabric protection ($595) and now regret it. Is there any way to cancel these plans? I know it says “final sale” in the purchase agreement. But isn’t there a way to cancel if you’re unsatisfied, like the rest of the products and services with yield policies? — Yash

So long as the salesperson did not lie to you or violate a condition in the contract, there is probably no way to reevaluate those add-ons.

“Every Or bill of sale requires, in 14-point bold font next to the customer’s signature, the words: SALES FINAL,” stated Terry O’Keefe, spokesman for the Ontario Motor Vehicle Industry Council (OMVIC), which modulates dealerships in the state. “Quite simply, there is no cooling-off interval, period.”

Although most provinces, including Ontario, have cooling-off intervals for certain kinds of contracts, like for services or products offered by salespeople moving door-to-door — these typically do not apply to automobile sales.

Under Ontario’s , you can ask to cancel a sales contract with a dealership if it has not fulfilled a written state, O’Keefe said. Or, if it did not Certain details about the car, like the accurate mileage or it was a . But even then, you need to make the request within 90 days of the purchase.

Lying in wait?

That does not really apply to trader add-ons, but here is something that possibly could: Under Ontario’s , it is illegal to make false, misleading, deceptive or unconscionable representations about a product.

Therefore, if the dealer falsely told you that your If you did not purchase rust protection, for example, you have up to a year to ask that the contract be — if you can prove it.

“Proving a misrepresentation isn’t so easy unless you have some evidence of a misrepresentation or deceptive practice, like a video or voice recording of this sales pitch,” George Iny, president of the Automobile Protection Association (APA), stated in an email.

When the APA has sent out secret shoppers with concealed cameras to dealerships, “misrepresentations about merchant extras were regular.”

The most frequent misrepresentation it found?

“[The] claim that there isn’t any factory corrosion protection guarantee for perforation of the human body,” Iny stated. “It is five to 12 years, based on the automobile maker.”

In 2016, OMVIC sent mystery shoppers to 20 dealerships in the Greater Toronto Area and discovered that five falsely claimed the manufacturer’s warranty failed to include corrosion protection.

If you believe the dealer is lying to you, report it to OMVIC and go shop somewhere else, O’Keefe said.

You will find similar protections in different provinces. In British Columbia, as an instance, you could likely still file a complaint about misrepresentation even after a year, ” said Doug Longhurst, spokesman with the Vehicle Revenue Authority of British Columbia.

Are trader extras a bad thing?

Dealer extras like rustproofing, fabric protection and paint protection are often unnecessary — or, for something like an alarm system, can usually be bought somewhere else for cheaper.

“Rust problems have disappeared in modern vehicles,” it stated.

And, rather than getting the seller to apply paint sealant (“hugely overpriced wax”) or fabric protection (“the priciest Scotchgard your upholstery will ever see”), get the merchandise for a couple bucks at a car parts store and apply yourself, it said.

“I feel the Civic comes with stain protection against the mill,” Iny stated. “The charge to the trader for aftermarket fabric protection is $15 to $60, the latter having a guarantee.”

These extras make money for dealerships — and for the individual who’s selling them Iny stated.

“The individual in the ‘business office’ who gives them typically receives a 20- to 25-per-cent commission on every product,” Iny stated.

When you are stuck in that area, there is a good deal of pressure to secure your investment (their words) — but you can not be made to decide on extras immediately, O’Keefe said.

“If a customer is unsure they want to buy an optional service or product, do not signal; take a day or two to do the study, and only then put pen to paper,” O’Keefe said. “Buying a car can be an extremely emotional and exciting event, but it is important consumers do not get caught up in the moment and that they make informed decisions{}”

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Courtesy: The Globe And Mail

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