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P-40.1 - Consumer Protection Act

Section 322
Disposition versions

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322. Where the merchant does not hold the permit required by this Act, a consumer may apply to have the contract annulled.
In the case of a contract for the loan of money, an open credit contract, a high-cost credit contract or a high-cost long-term contract of lease, the consumer may apply instead, at his option, for the suppression of the credit charges or implied credit charges and the return of any part of the credit charges or implied credit charges already paid.
1978, c. 9, s. 322; 1986, c. 91, s. 667; 2015, c. 4, s. 10; 2024, c. 32, s. 60.
This section is in force except as concerns high-cost credit contracts. See 2024, c. 32, s. 69 par. 6.
322. Where the merchant does not hold the permit required by this Act, a consumer may apply to have the contract annulled.
In the case of a contract for the loan of money, the consumer may apply instead, at his option, for the suppression of the credit charges and the return of any part of the credit charges already paid.
1978, c. 9, s. 322; 1986, c. 91, s. 667; 2015, c. 4, s. 10.
322. Where the merchant does not hold the permit required by this Act or, as the case may be, the licence required under the Highway Safety Code (chapter C-24.2), a consumer may apply to have the contract annulled.
In the case of a contract for the loan of money, the consumer may apply instead, at his option, for the suppression of the credit charges and the return of any part of the credit charges already paid.
1978, c. 9, s. 322; 1986, c. 91, s. 667.
322. Where the merchant does not hold the permit required by this act or, as the case may be, the licence required under section 22 of the Highway Code (chapter C-24), a consumer may apply to have the contract annulled.
In the case of a contract for the loan of money, the consumer may apply instead, at his option, for the suppression of the credit charges and the return of any part of the credit charges already paid.
1978, c. 9, s. 322.
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