WHITBV FREE PRESS, WEDNESDAY, OCTOBER 23, 1974, PAGE 3 The Law andYou Q. 1 was turned down when 1 apphced for a charge account at a local department store. The credit manager refused to say why. He said there was some- thing bad in my credit history, but that hie was not at liberty to tell me what it was. l'm sure sorneone at the credit agency lias made a mistake. Is there anything 1 can do? A. Yes. Ont ario's new Consumer Reporting Act gives gives you a right to know. The credit manager of the store is required to tell you whether hielbas used a credit report on you. If hielias, hie must supply you with the name a nd address of the agency supplying the report. You cani then request disclosure of what is in your files fromi the agency. They are obliged to tell you (except for certain medical reports) the nature aud source of the information, and to show you copies of any credit reports actually given out. They must also tel you whio requested and got these reports. They caunot charge you a fee or require you to sign a wai- ver before letting you sec these documerits. Q. 1 received a credit card in the mail, but I don't want it. I never asked for it. What should 1 do'? A. If you don't vant the card simply cut it up and throw it out. You have no legal obligation as to ils use or disposai unless you accept the card in writing or you purchase goods with it. Q. What is the maximum interest that can be charged on a loan? A. Loans of $ 1,500 and less are covered by the Fed- eral Small Loans Act. The Act sets a limit of 2% per mnontX (2-4% oper year) on the first $300 of un- paid balance, 1% per month on the balance between $300 and $ 1,000 and ½%l per month between $ 1 ,00 and $ 1,500. There is no regulation of interest for boans of over $ 1,500. However, if a court finds that with regard to the risk, and aIl other circumstances, the cost of a boan is excessive, and that the transaction is "harsh and unconscionable", it may rewrite the contract or order a repayment of excess interest under the Un- conscionable Transactions Relief Act of Ontaio. Q. My husband lost over $100 playirrg cards last Friday, and now I'm flot sure we'll have enough money to meet the rent payments. He paid the debt by cheque. Can we stop payment on the cheque, or will we just get sued? A. You can stop payment on the cheque without fear of a suit for the amount of the cheque. Debts incurred in a card game are illegai under the Ontario GaminegAct and cannot be enforced by the creditor. ~If he cheque has already cleared and been paid, you may sue the payee of it in Small Cîaims Court for the full sum, if you commence proceedings with- in three months. The law provides that you may recover any sum of $40 or more lost at a single session of gambling where that sum hias been paid over to the winner 66THESE QUESTIONS AND ANSWERS, BASED Ch' ONTARIO LAW, ARE PUBLISHED TO INFORM AND) NOT TO ADYISE. NO ONE SHOULD TRY TO APPLY OR INTERPRET THE LAW WITHOUT THE AID AND ADYICE 0F A TRAINED EXPERT WHO KNOWS THÇf FACTS, BECAUSE THE FACTS 0F EACH CASE M- CHANGE THE APPLICATION F THE LAW." Bih1 Newman Dinner Is Nearly Anyone who wauts t() sît down to dinner on November 7 with Premier Bill Davis and about fifteeu of bis Ontario Cabinet Ministers had better buy hîs tickets right away advises Mrs. Mary McEachern of Whitby one ol the organizers of the eveni in honour of Bill Newman proviucial member for Ontar. io South and Minister of the Environment. Tickets for the dinner are limited in number to the size of the banquet hall in Pickering's Sheridan Maîl and early demands have already depleted the available supply. An interesting program bas been developed for the affair on Thursday November 7, beginning with a reception at 6:45 p.m. and continuing with an impressive dinner menu and subsequent com- ments by an array of special guests headed by the Premier. CaIled "A Dinner with Bill Davis", the function will also include a large number of Bill Newman's associates in the Ontario Cabinet. Those requiring tickets are SoId Out urged to order thern quickly to avoid disappointment. Tickets are available by phonig: 839-3683, 725- 8967, 665-4494 or 683- 5311. Horoscope fans like YOUR WEEK AHEAD in this edition. BIBLE SCHO00L - 9:45 &r.' BUS M'-¶ VICE PROVIDED Brooklin Society Meets Today The Brooklin 1-orticultur- al Society will meet on Wediicsday, October 23rd at 8 o'clock in the C.E. Btuilding Brookliu Uuited Ch Lirch. Five special gLests will be in atteridance froni the Civic Garden Centre. They wîll forrn a panel tu auswcr ques- tious un "House Plants" The public is cordially in- vited to attend. Victoria and Grey Trust Company, 308 Dundas Street West, held a special showing last Wednesday afternoon, and a ribbon cutting ceremony to officially open their newly expanded premnises. Pictured above at the ribbon cutting are left to right: Lucille Allan, Lorne Reid manager (partly hidden), acting-mayor Cc uncillor Gerry Emm, Colin Bennett president of Victoria and Grey Canada, and Christie Cox. Free Press Photo THE McMICHAEL COLLECTION in Kleinburg every afternoon except Monday NO ADMISSION CHARGE Credilt Counsellilng Not Somethilng New Credit Counselling is flot something new - it has been going on for years. The Oshawa and District Credit. Counselling Service origi- naîed in the early part of 1969. Recognizing that most people use credit to good advantage, it was increasingly evident that a small segment of the general population does become involved to the point of difficulty. The purposes of organizing an impartial public service or- ganuzation devoted prirnarily to the rehiabîlitation of the individual werc many. To provide debt counselliug, both remedial and preveutive assistance in debi abuses of the credit facility. advice un budgeting matters, tu act as intermnediary betweeu dcbt- ors and creditors in workiug out satisfactory arrangemeuts for the urderlv paiyneu u f dcbtrs. A Board of Directurs was set 111 inuOctober 1969 vh< approved the furrns and pro- cedures tu bc adopted by the service. Qne of the major objectives establishied by the board was to 'apply al aspects of' credit couniseli- * * * 4, ing." In March 1971 a char- ter was obtained, mnaking the service a provincial non- profit charitable organization providing service free of charge to applicant and creditor as a social service in the public interest. The service was initially operated by volunteers, but, do to the steadily îucreasing number of people seeking help, the Board recognized the need for a full time em- ployec and engaged a corupe- tetit, dedicated persou as cou uselI br. lu the three short years, as of December '73, the local agency has been in operatiofi. the uieed for suchi a service lias steadilv increascd. c.g. lu1I1971 their first full vear. Il17 cases were serviced: iu their secould vear 161 cases were scrviccd; aud in 19073 îhev serviced 261) cases, aui excelîcu t iuidicatiou ut how over exteuded coui- sumners a re acceptiiug the facilities of the ,couselling ser-vice. This is a very worthwhile coinmurity service which asks only for the cuirnimuni- tics understaudiuig atid sup- port. SMJDAYSERVICE WORSHIP SERVICL~-Il .m. EVZNING SERVICE - 6:52 p.m. NURSERY PROVIDED FOR ALSERVICES TUSA: Pioneer Girls andl 6:1 5 pin., TUESOAY: Christian Service Brigade to 7:45pm Bible Study end Prayor Meeting 8:We pin MIINISTER 0F OUTREACU REV. RALPII DUNN 171 I3ROCI; STREET NORTHI WITBY, ONTARIO Visit our newly INflC.RJ TMfl 668-5012 decorated lounge Ni*ghtly Entertainment "'ALABAMA" Direct from Alabama Country Rock MON. THRU' SAT. For three weeks Oct. 14 m-Nov. 2 Dining Lounge open 12 noon to 8pmj Is Your Pool Prepared for the Tortures of Oie Man Winter? (') D ÀnfbUVlUKUUND You invested in a pool for your summer enjoyment, are you going to watch it get destroyed through the winter? You' should be thinking of closing your pool up and we can help you WINTERIZE YOUR POOL, with a complete line of parts and swimming pool covers. We'11 even pick up your filter and give it an overhaul so.it's ready to give you enjoyment next season with your preserved pool. STARLING POOLS 1645 Dundas St., West 668-7431 Just East of the Whitby/Piekering Townline. GRAZYNA HOTELS LTD. FUa DpEs lw m1 orock simee(Noth Whktby, QM4rio T.epMM e(416) 668-2M~ VRR O0F FAITH - cowe 6 9p.M., l *ta 3@d Sundaey each month 777- 1