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Is this another scam by Ontario Consumer Home Service

  • Last Updated:
  • Dec 16th, 2018 9:49 am
[OP]
Jr. Member
Oct 4, 2013
141 posts
5 upvotes
Brampton

Is this another scam by Ontario Consumer Home Service

I have my water heater and furnace by OCHS, also the air-cond and water softener by Simply Smart. Today the staff of OCHS came and said they can reduce my month bill by $100 which I were delighted to listen. During the talk they mention Simply Smart is one of the contractor. (Is this true?). I were told there will be new invoice each month to me from a company called LendCare. In other words, I no longer rent from two companies, but one loan from LendCare. Now, the details is in the following photo. I see there is an amount of $5321 at the last payment and questioned the staff who kept saying I only pay 60 month of 140.88 and the money is all cleared. I like to hear what you all think if he is telling the truth as I don't believe that it obviously shows an interest rate of 19.95% My contracts is already lapsed by 2 to 4 years which is bad enough deal to start with. Am I jumping into another frying pan?
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19 replies
Deal Guru
Aug 26, 2002
11662 posts
3736 upvotes
Toronto, ON
As we all learned from the Free Nest Protect deal, avoid Simply Smart at all costs.... They are a bunch of scammers trying to lock customers into long term contracts with hidden fees, charges, backend costs. Shady business practices... Avoid!
Deal Fanatic
User avatar
Feb 11, 2007
9097 posts
7906 upvotes
Oakville
NOBODY comes to your door to save you money. They come to trick you into taking your money. NEVER rent any appliances, water tanks, AC, furnace, etc. If you're low on funds it's cheaper to take a loan.
Sr. Member
Mar 3, 2018
626 posts
398 upvotes
GTA
Wow $6,775 interest and fees to borrow $7,000 over five years. What could be wrong with this deal.
Deal Addict
Oct 13, 2009
1389 posts
675 upvotes
Ottawa
engineered wrote:
Dec 6th, 2018 6:46 pm
NOBODY comes to your door to save you money. They come to trick you into taking your money. NEVER rent any appliances, water tanks, AC, furnace, etc. If you're low on funds it's cheaper to take a loan.
Yup they charge upwards of 20% interest on top of extremely overcharging for the appliance in question to start with all rentals are a scam to the end consumer
Deal Addict
Feb 4, 2015
4038 posts
1130 upvotes
Canada, Eh!!
Seems you already signed... believe there is cool off period so highly suggest to cancel!!

Get proof of cancellation, record call if have to.
Deal Addict
Oct 13, 2009
1389 posts
675 upvotes
Ottawa
But to answer OPs question after paying 60 payments of 140 you will have paid ~8640 leaving that final large payment of 5300. Run away and tell them to f$*k off
[OP]
Jr. Member
Oct 4, 2013
141 posts
5 upvotes
Brampton
Thank you. The more I have read, the more uncomfortable I am. That was a "credit application and Agreement". Nothing mentioned of my exiting equipment, rather, there is a line saying "Please describe the purchased goods and serves". The staff filled in air cleaner that he said throwing in for free and would send someone for installing. The installer is another company name. Yep so much unclear and confusion between the staff and the paper. I am so nervous as this might be another contract into high expanses. Yes I called and wrote to CANCEL. The staff replied "OK". I am relieved. I won't open door to any of them if they come again. Looks like I better do my own maintenance.
Last edited by sng006 on Dec 6th, 2018 7:04 pm, edited 1 time in total.
Deal Addict
Oct 13, 2009
1389 posts
675 upvotes
Ottawa
Did you also know you are now the proud owner of a heap air filter that maybe costs 500$.... cancel the contract ASAP. ALSO if you existing contract has lapsed as you said call about a buyout or return and go get your own equipment
[OP]
Jr. Member
Oct 4, 2013
141 posts
5 upvotes
Brampton
chriscabob wrote:
Dec 6th, 2018 7:03 pm
Did you also know you are now the proud owner of a heap air filter that maybe costs 500$.... cancel the contract ASAP. ALSO if you existing contract has lapsed as you said call about a buyout or return and go get your own equipment
I don't have the air filter installed yet. The staff said he would send someone in to do the installation after the application was approved. Now they shouldn't come.
Sr. Member
Mar 3, 2018
626 posts
398 upvotes
GTA
sng006 wrote:
Dec 6th, 2018 7:02 pm
Thank you. The more I have read, the more uncomfortable I am. That was a "credit application and Agreement". Nothing mentioned of my exiting equipment, rather, there is a line saying "Please describe the purchased goods and serves". The staff filled in air cleaner that he said throwing in for free and would send someone for installing. The installer is another company name. Yep so much unclear and confusion between the staff and the paper. I am so nervous as this might be another contract into high expanses. Yes I called and wrote to CANCEL. The staff replied "OK". I am relieved. I won't open door to any of them if they come again. Looks like I better do my own maintenance.
I would be sending them a cancellation letter by registered mail. You will likely need proof of cancellation as they will deny you cancelled within 10 days. That is part of the scam. Keep a copy for yourself.
[OP]
Jr. Member
Oct 4, 2013
141 posts
5 upvotes
Brampton
Now I have another questions. If I want to buy out existing equipment or replace them, what is the cost of material and labor for a water heater, high efficiency furnace, air-conditioner and water softener? My existing air-conditioner and water softer is less than a year old and the other two is about 2-3 years old.
[OP]
Jr. Member
Oct 4, 2013
141 posts
5 upvotes
Brampton
DaveTheDude wrote:
Dec 6th, 2018 7:19 pm
I would be sending them a cancellation letter by registered mail. You will likely need proof of cancellation as they will deny you cancelled within 10 days. That is part of the scam. Keep a copy for yourself.
Should the letter be sent to Lendcare? That is the only "credit application and agreement" I have signed.
Sr. Member
Mar 3, 2018
626 posts
398 upvotes
GTA
sng006 wrote:
Dec 6th, 2018 7:34 pm
Should the letter be sent to Lendcare? That is the only "credit application and agreement" I have signed.
Should be a name and address on the contract. If not on contract you may have to send copies to both Lendcare and installing company for certainty.

As for buyout question I would assume they will quote you a ridiculous figure. Probably twice what you would pay someone else to install it for. It will be a deterrent to you to not buy out.
Deal Fanatic
Jan 25, 2007
5370 posts
2207 upvotes
Paris
I just read this and it’s a purchase agreement for an air filter for 7000 plus a loan admin fee of 299 at 20% over 5 years. Nothing to do with your existing stuff in your house.
Gbill2004: Thanks but I'll just smell the couch before/if I buy it.

jonnyb: I go in there like PICASSO and toss the glue everywhere, I don't care what house I'm on.

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