Business Profile
Financing
Canadian Home Improvement Credit CorporationThis business is NOT BBB Accredited.
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Reviews
This profile includes reviews for Canadian Home Improvement Credit Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Review Ratings
1/5 stars
Average of 30 Customer Reviews
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Review fromHelena w
Date: 28/07/2023
1 starI never ever will use them again ***** *** ***** I end up paying them a lot of money **** **** **** *** ***** *** *** *Review fromKyle S
Date: 29/06/2023
1 starKyle S
Date: 29/06/2023
**** **** *** ***** ************* * **** * ******* ******
1) Door-to-door solicitation of water filter is prohibited in Ontario, this is exactly what they did.
2) Was promised various incentives and promises of saving. None of this is true...In fact, my utility bill went up after installation. I received no subsidy or deduction to my bill.
3)Called to cancel within the cooling off period but was told I should wait for a few months before the savings appear on the bill. Nothing happened and no one called me (even though they said they would).
4)Sent them a letter by registered mail but receives no reply and was later told that they didn't receive it. It was a registered mail, there is proof of receipt.
5)Sent them an email asking to cancel but no one reply.
6)Called them to cancel, no one answered.
7)Warned them about stoppage of payment and did so. Then, I get a notice that they register a security on my house.
8)The interest is still accumulating as we speak.
**** ******* ** ********** ********** *** **** ***** ***** ** * *****Canadian Home Improvement Credit Corporation
Date: 06/10/2023
**** ****,
With regard to this matter and further to your comment to the BBB, we can confirm that your name did not appear to be in our database. Therefore, you are not our client.
We searched the address that you kindly provided to us and we can confirm that Canadian Home Improvement Credit Corporation does not have any active contract nor a Notice of Security Interest (Lien) registered against your property's title.
Please review your records, and investigate who has the lien registration against your property and address your concerns to them accordingly.
Sincerely,
Canadian Home Improvement Credit Corporation.Review fromKevin E
Date: 31/05/2023
1 starKevin E
Date: 31/05/2023
**** ****** ** ****** * *** ******. Promised rebates and savings. A Heatin/Air company that installed the HEPA wouldn't answer the phone for service. I called before the 10 day cooling to get out of this and they offered free Heating and A/C protection! Wow..what a deal. Except the Heating/Air company never comes. I ended up replacing the furnace and a/c myself. Two years later, I went to refinance my home and CHICC had a lien on my home. They wanted me to payout the HEPA for $5000.
I paid it just to get out of this horrible deceitful contract.
I now have no Heating And A/C protection and $5000 loss for this ****** $500 HEPA air filter.
CHICC is buying these contracts off of sketchy heating and air contractors without due diligence and feeding off the poor consumers who are unaware.Canadian Home Improvement Credit Corporation
Date: 26/08/2023
Dear
Mr. *******.
With
regards to this matter, we would like to thank you for correspondence, and we
apologize that you have had a negative experience so far. At CHICC we value all
our customer’s opinions, and we strive to deliver great customer service at
every opportunity.
Please
note that you are in violation of the terms of the Settlement Agreement and
Mutual Release executed to complete this transaction.
Before
you executed those documents you were provided with adequate opportunity to
seek independent legal advice. Per our records, you were legally represented.
We
can confirm that this matter has been settled and the Notice of Security
Interest discharged. Therefore, CHICC does not have any present or further
interest on this matter.
Kind regards,
Canadian
Home Improvement Credit CorporationReview fromCaitlin M
Date: 15/05/2023
1 starI have been sent a letter froma lawyer stating that we owe $7965.80 plus 34% interest. IF we dont pay they are saying they will take my house cars etc. I didn't even get a call saying we still owed money. We have to pay the balance in full. are they even **** ** allowed to do this?Review fromKaren L
Date: 27/02/2023
1 star******** ******** ******* ** **** ******* **** * ******** ***** ****** **** ******* ***** *******. The billing is through CHICC. Even though the contract states that we can purchase the equipment at anytime for a competitive price. **** *** * ***** ***. When we asked for the competitive price, it was more than if we paid out the term of the contract. ** *** *** ***** ** ******* ***** *********Review fromElias T
Date: 22/02/2023
1 star**** ** * ******* *** *** ******* ********** **** ** *** ***** ** **** **** ** **** **** ***** Their only purpose is to make money off of you without reciprocating anything in return. They have no desire to help you or assist you in any form whether from a product or customer service point of view. They stuck me with a massive payout invoice *** ********* *** ***** * **** ** *** ** *** *** ** *** ********** **** **** ** ****** ******** *******Review fromVictor J
Date: 13/01/2023
1 starI'm in process of Returning the HEPA Filter. This Co. and ***** ****** ***. are in kahuts together to pull off **** ****. Many reviews of the two teaming up to rent with a hydro rebate on the internet shows the deception **** ***** *******. 10 day cooling off period is not long enough standing when the hydro bill is Monthly etc. and posting may be longer.Review fromAgnes M
Date: 27/11/2022
1 starI have no business dealings with CHiCC whatsoever, yet this company sent a letter to my household dated 2022/11/15, contract: *****, saying that "******** *** ***. has announced it will end its Open Bill Acesss program as of December 31, 2023. This program allows companies such as CHICC to include heir charges on customers' gas bills. This ******** decision was made as the program doesn't align with their long-term strategic priorities. Therefore, it will be required to change to Pre-authorized Payment method, "PAP"....and so on. The letter asks for a voided cheque to be sent to CHiCC or chequing account information to avoid billing disruptions.
**** ** ********** *********** *** * *****Review fromJerrold L
Date: 24/07/2022
1 starJerrold L
Date: 24/07/2022
We entered into a contract with CHICC in February 2020 for both a furnace and a tankless water heater at our elderly mother's house. Both were installed properly. The contact was for 10 years of payment. We were assured that there would be no problem if we needed to buy out early at any time. Due to our mother entering a LTC, we indeed had to buy out in June 2022, after 2 years and 3 months of payments. We expected that the present value of the contract would be calculated -- of course with some reasonable penalties and fees applied. Our emails to the company went unanswered, and we had to have the lawyer handling the house sale contact the company. We were shocked that the amount of the buyout was extremely large (as others noted, seemingly around 3x the actual cost of the equipment). On further calculation, it seems like the buyout amount included all the future interest that would have been payable for the entire ten year duration + closure fees and discharge fees. No present value was calculated. That amount was completely unreasonable. We chose not to start up with the company so as not to jeopardize the house sale (I assume CHICC was counting on this. Upon examining the contract, it seems like no buyout value was originally specified -- leaving it to the company's discretion (which we unfortunately trusted). If CHICC would provide us some reasonable goodwill refund, given this situation, we would be happy. Otherwise, we must advise prospective customers to stay away from this company with a 10 foot (or longer) pole, unless they are 100% certain that no buyout will ever be necessary.Canadian Home Improvement Credit Corporation
Date: 23/08/2022
Dear Mr. ******* *******
With regards to this matter, we would like to thank you for correspondence, and we apologize that you have had a negative experience so far. At CHICC we value all our customer's opinions, and we strive to deliver great customer service at every opportunity.
Further to the email correspondence, please be advised that CHICC is solely a finance company that does not manufacture, warehouse, or engage in door-to-door sales. CHICC do not directly enter into agreements with customers but rather CHICC purchases such agreements from parties engaged in the rental or leasing agreements of home service equipment. It is CHICC practice to carry out administrative duties in respect of the Agreements for billing and finance purposes. In addition, please note that CHICC does not install or remove home services equipment, nor does it supervise, direct, or control any such installation or removal.
Per our records, Mr. ******* ****** (co-signor) advised that they were selling their property and requested a copy of the buyouts. Furthermore, he advised that they were legally represented. Therefore, we addressed all correspondence to their lawyer.
Mr. ******* ******, you were not part of those contracts, or you did not provide us with a copy of any documents to prove your legal capacity to represent your parents.
I hope this addressed your concerns, Otherwise, if you need further clarification, please reach out to your lawyer directly.
Thank you,
Kind regards,
Canadian Home Improvement Credit CorporationReview fromSara N
Date: 20/07/2022
1 starSara N
Date: 20/07/2022
CHICC and ********************* are very very well organise *******. They got liens on our property without our consent. ********************. I don't understand how their business is still open *****************************Canadian Home Improvement Credit Corporation
Date: 23/08/2022
Ms. ****,
With regards to this matter, we would like to thank you for correspondence, and we apologize that you have had a negative experience so far. At CHICC we value all our customer's opinions, and we strive to deliver great customer service at every opportunity.
Further to the email correspondence, please be advised that CHICC is solely a finance company that does not manufacture, warehouse, or engage in door-to-door sales. CHICC do not directly enter into agreements with customers but rather CHICC purchases such agreements from parties engaged in the rental or leasing agreements of home service equipment. It is CHICC practice to carry out administrative duties in respect of the Agreements for ******* and finance purposes. In addition, please note that CHICC does not install or remove home services equipment, nor does it supervise, direct, or control any such installation or removal.
Per our records, you entered into two (2) contracts with *********************, they installed the equipment and submitted those contracts to CHICC for funding. You did confirm receipt of a copy of the contract and its T&C's along with a copy of the Delivery and Acceptance Certificate. Furthermore, you acknowledged that you read, understood and sign those contracts and verbally acknowledged the info on the contracts and confirmed the installation of the equipment at your property. You did not cancel any of the contracts within the cooling-off period.
With regards to the Hepa Filter contract On July 18, 2022 you placed a stop payment causing delinquency. CHICC assigned this contact back to ****. Please redirect all your concerns to **** regarding this contract.
Regarding the Water Heater contract, we can confirm that there are no disputes for this contract and you are paying as originally agreed. If you have any concerns, please reach out to us to *******@*****.ca as soon as possible.
Thank you,
Canadian Home Improvement Credit Corporation.
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