{"id":1166,"date":"2022-01-25T14:46:04","date_gmt":"2022-01-25T19:46:04","guid":{"rendered":"https:\/\/acefsom.ca\/consumer-rights-advocacy\/"},"modified":"2025-06-20T14:10:18","modified_gmt":"2025-06-20T18:10:18","slug":"consumer-rights-advocacy","status":"publish","type":"page","link":"https:\/\/acefsom.ca\/en\/consumer-rights-advocacy\/","title":{"rendered":"Consumer rights advocacy"},"content":{"rendered":"

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Consumer rights advocacy<\/h1>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”2_5,3_5″ use_custom_gutter=”on” gutter_width=”1″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”2_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text module_class=”brandon” _builder_version=”4.16″ _module_preset=”default” text_font=”|600|||||||” text_text_color=”#5E86EB” text_font_size=”30px” text_line_height=”1.5em” header_2_text_color=”#5E86EB” header_2_font_size=”30px” header_2_line_height=”1.3em” width=”100%” custom_margin_tablet=”” custom_margin_phone=”” custom_margin_last_edited=”on|tablet” custom_padding_tablet=”” custom_padding_phone=”” custom_padding_last_edited=”on|tablet” animation_style=”fold” animation_duration=”700ms” animation_intensity_fold=”20%” text_font_size_tablet=”24px” text_font_size_phone=”20px” text_font_size_last_edited=”on|tablet” header_font_size_tablet=”40px” header_font_size_phone=”35px” header_font_size_last_edited=”on|desktop” header_2_font_size_tablet=”25px” header_2_font_size_phone=”20px” header_2_font_size_last_edited=”on|phone” header_2_line_height_tablet=”1.3em” header_2_line_height_phone=”1.3em” header_2_line_height_last_edited=”on|desktop” global_colors_info=”{}”]<\/p>\n

We support citizens in advocating for their rights as consumers and influence political, economic and social decisions that affect the quality of life of all citizens, especially the most vulnerable.<\/h2>\n

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Stand up for your rights<\/h2>\n

 <\/p>\n

As a consumer, you may be the victim of abusive commercial practices. The Consumer Protection Act contains solutions and remedies. If you believe you have been the victim of an illegal practice and you want to learn your rights and obligations, we can inform you and refer you to the appropriate process for resolving your dispute.<\/p>\n

The Office de la protection du consommateur<\/strong> (OPC) oversees the application of the Consumer Protection Act. They can help you make informed choices and advise you of your rights, obligations and remedies in the event of a problem with a retailer. You can also report and bring a complaint against a retailer for illegal commercial practices.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ _module_preset=”default” custom_margin=”||5%||false|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_button button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjEwMDUifX0=@” button_text=”Contact us” button_alignment=”left” module_class=”align-center” _builder_version=”4.16″ _dynamic_attributes=”button_url” _module_preset=”default” custom_button=”on” button_bg_color=”#57DECF” button_border_width=”1px” button_border_color=”#57DECF” button_font=”||||||||” button_use_icon=”off” transform_translate_linked__hover=”off” custom_margin=”|||0px|false|false” custom_margin_tablet=”0px|||0px|false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”4%|25%|4%|25%|true|true” custom_padding_tablet=”3%|20%|3%|20%|true|true” custom_padding_phone=”3%|20%|3%|20%|true|true” custom_padding_last_edited=”on|tablet” scroll_vertical_motion_enable=”on” scroll_vertical_motion=”0|50|50|100|0.6|0|0″ button_text_size_tablet=”16px” button_text_size_phone=”16px” button_text_size_last_edited=”on|phone” button_text_color_last_edited=”off|desktop” button_bg_color_last_edited=”off|desktop” button_font_last_edited=”off|tablet” global_colors_info=”{}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#FFFFFF” button_bg_enable_color__hover=”on” button_border_width__hover_enabled=”on|hover” button_border_width__hover=”1px” button_border_color__hover_enabled=”on|hover” button_border_color__hover=”#E85E0C” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#E85E0C” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|hover” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|hover” transform_skew__hover_enabled=”on|hover” transform_origin__hover_enabled=”on|hover” transform_translate__hover=”0px|-6px”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_button button_url=”https:\/\/www.opc.gouv.qc.ca\/en\/” url_new_window=”on” button_text=”Go to the OPC website” button_alignment=”right” button_alignment_tablet=”left” button_alignment_phone=”left” button_alignment_last_edited=”on|phone” disabled_on=”off|off|off” module_class=”align-center” _builder_version=”4.24.0″ _module_preset=”default” custom_button=”on” button_bg_color=”#57DECF” button_border_width=”1px” button_border_color=”#57DECF” button_font=”||||||||” button_use_icon=”off” transform_translate_linked__hover=”off” custom_margin=”|||0px|false|false” custom_margin_tablet=”0px|||0px|false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”4%|25%|4%|25%|true|true” custom_padding_tablet=”3%|20%|3%|20%|true|true” custom_padding_phone=”3%|20%|3%|20%|true|true” custom_padding_last_edited=”on|tablet” scroll_vertical_motion_enable=”on” scroll_vertical_motion=”0|50|50|100|0.3|0|0″ hover_enabled=”0″ button_text_size_tablet=”16px” button_text_size_phone=”16px” button_text_size_last_edited=”on|phone” button_text_color_last_edited=”off|desktop” button_bg_color_last_edited=”off|desktop” button_font_last_edited=”off|tablet” global_colors_info=”{}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#FFFFFF” button_bg_enable_color__hover=”on” button_border_width__hover_enabled=”on|hover” button_border_width__hover=”1px” button_border_color__hover_enabled=”on|hover” button_border_color__hover=”#E85E0C” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#E85E0C” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|hover” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|hover” transform_skew__hover_enabled=”on|hover” transform_origin__hover_enabled=”on|hover” transform_translate__hover=”0px|-6px” sticky_enabled=”0″][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ _module_preset=”default” custom_margin=”||5%||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.17.6″ _module_preset=”default” header_3_text_color=”#5E86EB” animation_style=”fold” animation_duration=”700ms” animation_intensity_fold=”10%” text_font_size_tablet=”” text_font_size_phone=”17px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”” text_line_height_phone=”1.4em” text_line_height_last_edited=”on|phone” header_3_font_size_tablet=”40px” header_3_font_size_phone=”30px” header_3_font_size_last_edited=”on|phone” header_4_font_size_tablet=”30px” header_4_font_size_phone=”25px” header_4_font_size_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

<\/h3>\n

Advocating for your rights<\/h3>\n

 <\/p>\n

ACEF du Sud-Ouest de Montr\u00e9al has a social mission<\/h4>\n

We advocate on key political issues, analyze existing laws, exert pressure and make political representations. In short, we fight for good living conditions for the people who come to the ACEF du Sud-Ouest de Montr\u00e9al and for all citizens.<\/p>\n

 <\/p>\n

Electricity is not a luxury<\/h4>\n

The<\/span><\/span> <\/span>fight<\/span><\/span> <\/span>for<\/span><\/span> <\/span>access<\/span><\/span> <\/span>to<\/span><\/span> <\/span>energy<\/span><\/span> <\/span>has<\/span><\/span> <\/span>been<\/span><\/span> <\/span>an<\/span><\/span> <\/span>important<\/span><\/span> <\/span>issue<\/span><\/span> <\/span>for<\/span><\/span> <\/span>ACEF<\/span><\/span> <\/span>du<\/span><\/span> <\/span>Sud<\/span><\/span>–<\/span><\/span>Ouest<\/span><\/span> <\/span>de<\/span><\/span> <\/span>Montr\u00e9al<\/span><\/span> <\/span>for<\/span><\/span> <\/span>many<\/span><\/span> <\/span>years<\/span><\/span>,<\/span><\/span> <\/span>and<\/span><\/span> <\/span>we<\/span><\/span> <\/span>approach<\/span><\/span> <\/span>it<\/span><\/span> <\/span>through<\/span><\/span> <\/span>the<\/span><\/span> <\/span>concept<\/span><\/span> <\/span>of<\/span><\/span> <\/span>energy<\/span><\/span> <\/span>insecurity<\/span><\/span>. Energy insecurity is the inability of a household to access the energy it needs in its dwelling at an affordable cost in relation to its income.<\/span> In other words, a household is in a situation of energy poverty when it has difficulty meeting its energy needs, or when this is achieved at the cost of sacrificing other basic need<\/span>s.<\/p>\n

A number of factors contribute to these difficulties, which particularly but not exclusively affect low-income tenants.<\/span> Insufficient income, poor housing quality and ever-increasing energy prices are the main reasons behind this precarious situation.<\/span> Tackling the problem therefore requires tackling issues such as improving the building’s thermal envelope, combating poverty, addressing the health consequences of housing deterioration, controlling energy consumption and settling outstanding bills.<\/span> That’s a lot!<\/span><\/span><\/p>\n

<\/span><\/span><\/p>\n

Moving towards better education and better credit regulation<\/h4>\n

Credit has become an indispensable part of our economic system. It creates the illusion that everything is easy and that we can obtain anything at any time, without taking into account our true needs and our ability to pay. It is no surprise, then, that the debt ratio of Canadians is constantly climbing. This is not good news.<\/p>\n

Every day at ACEF, we meet people grappling with serious financial problems. They\u2019re holding a powerful financial instrument in their hands, but they\u2019re having trouble mastering the controls. Indeed, the excessive use of credit, including a poor understanding of how it works, is one of the most frequently cited reasons for declaring bankruptcy.<\/p>\n

But the issue is not just a lack of knowledge. Financial institutions give access to credit but don\u2019t always assess the applicant\u2019s ability to pay. Furthermore, laws and regulations always lag behind the development of new forms of credit and commercial practices.<\/p>\n

Working with other associations that advocate for consumer rights, particularly other ACEFs, we inform the public about various forms of credit as well as the risks of using it carelessly. We also exert political pressure for better governance of the practices of financial institutions and to change the laws that regulate credit.<\/p>\n

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Learn more<\/h5>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” disabled_on=”on|on|on” disabled=”on”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_cta title=”Canada Learning Bond for 18 to 20 year olds \u2013 About the Canada Learning Bond” button_url=”https:\/\/www.canada.ca\/en\/services\/benefits\/education\/education-savings\/learning-bond-18-20.html?utm_source=Prosper+Canada+Subscriptions+%5BAll%5D&utm_campaign=23a6d79e6e-Media_Monitoring_January_8_COPY_01&utm_medium=email&utm_term=0_536ea6808f-23a6d79e6e-209730469&mc_cid=23a6d79e6e&mc_eid=b2f609086d” url_new_window=”on” button_text=”READ THE ARTICLE” module_class=”bloc-article” _builder_version=”4.16″ _module_preset=”default” header_level=”h6″ header_text_align=”left” header_text_color=”#E85E0C” body_text_color=”#000000″ background_color=”RGBA(255,255,255,0)” custom_button=”on” button_text_size=”28px” button_text_color=”#5E86EB” button_bg_color=”RGBA(255,255,255,0)” button_icon=”5||divi||400″ button_icon_color=”#5E86EB” button_icon_placement=”left” button_on_hover=”off” button_alignment=”left” transform_translate_linked__hover=”off” scroll_vertical_motion_enable=”on” scroll_vertical_motion=”0|50|50|100|0.6|0|0″ button_text_size_tablet=”25px” button_text_size_phone=”22px” button_text_size_last_edited=”on|tablet” border_radii=”on|35px|35px|35px|35px” border_width_all=”1px” border_color_all=”#000000″ global_colors_info=”{}” button_icon_color__hover_enabled=”on|hover” button_icon_color__hover=”#5E86EB” transform_styles__hover_enabled=”on|desktop” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|desktop” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-6px”][\/et_pb_cta][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_cta title=”Montreal’s ‘chronically underfunded’ community sector seeks additional $100 million per year” button_url=”https:\/\/www.cbc.ca\/news\/canada\/montreal\/critical-situation-community-organizations-1.6342333?utm_source=Prosper+Canada+Subscriptions+%5BAll%5D&utm_campaign=0d844fda9a-Media_Monitoring_January_8_COPY_01&utm_medium=email&utm_term=0_536ea6808f-0d844fda9a-209730469&mc_cid=0d844fda9a&mc_eid=b2f609086d” url_new_window=”on” button_text=”READ THE ARTICLE” module_class=”bloc-article” _builder_version=”4.16″ _module_preset=”default” header_level=”h6″ header_text_align=”left” header_text_color=”#E85E0C” body_text_align=”left” body_text_color=”#000000″ background_color=”RGBA(255,255,255,0)” custom_button=”on” button_text_size=”28px” button_text_color=”#5E86EB” button_bg_color=”RGBA(255,255,255,0)” button_border_width=”0px” button_border_color=”#000000″ button_icon=”5||divi||400″ button_icon_color=”#5E86EB” button_icon_placement=”left” button_on_hover=”off” button_alignment=”left” transform_translate_linked__hover=”off” scroll_vertical_motion_enable=”on” scroll_vertical_motion=”0|50|50|100|0.3|0|0″ button_text_size_tablet=”25px” button_text_size_phone=”22px” button_text_size_last_edited=”on|tablet” button_alignment_last_edited=”off|tablet” border_radii=”on|35px|35px|35px|35px” border_width_all=”1px” border_color_all=”#000000″ global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-6px”][\/et_pb_cta][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

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