Summary
If a financial company issued a loan in your name without your consent, you may have grounds to sue for fraud or identity theft. Consider filing a complaint with the Financial Services Regulatory Authority of Ontario and consulting a lawyer for legal advice. If the damages exceed $35,000, you may need to take your case to the Ontario Superior Court of Justice. For legal representation, contact the Law Society of Ontarios Lawyer Directory or Legal Aid Ontario for assistance.Full Conversation
hi, can I sue a financial company if they issued a loan in my name that I never applied for?
Hi Margaret,
Yes, you may have legal grounds to sue a financial company for issuing a loan in your name without your consent.
- **Fraud**: The issuance of a loan without your consent may constitute fraud.
- **Identity Theft**: This could be a case of identity theft.
- **Consumer Protection**: Ontario's consumer protection laws may apply.
Could you tell me if you've already reported this to your bank or the police?
yes I did all of the above. How do I get to this financial company, they don't seem to care and they have very bad reviews
Hi Margaret,
To address your situation, you might consider the following steps:
- **File a Complaint**: Contact the Financial Services Regulatory Authority of Ontario (FSRA) to file a formal complaint.
- **Consult a Lawyer**: Seek legal advice to explore your options for suing the financial company.
- **Small Claims Court**: Consider taking the issue to the Small Claims Court for claims up to $*,*.
Have you filed a complaint with the FSRA already?
I wanted to sue for more because my credit is ruined for 7 years now
Hi Margaret,
If you wish to sue for more than $*,* due to the extensive damage to your credit, you might need to take your case to the Ontario Superior Court of Justice.
- **Ontario Superior Court of Justice**: Handles claims over $*,*.
- **Legal Counsel**: Consulting a lawyer specializing in financial disputes could strengthen your case.
Would you like to know how to proceed with the Ontario Superior Court of Justice?
yes please
Hi Margaret,
To proceed with the Ontario Superior Court of Justice:
- **Statement of Claim**: Prepare a Statement of Claim detailing your case.
- **Filing**: File the Statement of Claim with the court.
- **Service**: Serve the financial company with the Statement of Claim.
- **Court Fees**: Be aware of filing fees.
You may want to consult a lawyer for assistance with these steps.
can you be my lawyer? lol.
Hi Margaret,
I'm glad I could help, but I can't act as your lawyer. For expert legal representation, you should contact a licensed lawyer in Ontario.
Would you like more information on finding a lawyer who specializes in financial disputes?
yes please
Hi Margaret,
You can find a lawyer who specializes in financial disputes through the Law Society of Ontario's Lawyer Directory. Here’s how you can proceed:
- **Law Society Referral Service**: Contact them for a referral to a lawyer for a free initial consultation.
- **Legal Aid Ontario**: If you qualify, you may receive assistance.
Would you like more details on either of these services?
yes please
Hi Margaret,
Here are the details for finding a lawyer:
- **Law Society Referral Service**: Provides a referral to a lawyer for a free initial consultation.
Law Society Referral Service
Phone: *-*-*-*
Website: www.lsrs.info- **Legal Aid Ontario**: Offers legal assistance if you qualify.
Legal Aid Ontario
Phone: *-*-*-*
Website: www.legalaid.on.caWould you like more information on anything else?
thank you so much
You're welcome, Margaret! If you have any more questions or need further assistance, feel free to ask. I'm here to help.
TRY ME!
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