Verbal contract cancelled, but they sent a paper contract out anyways.

TD Bank had called me to renew my mortgage at 2.89%. I accepted without thinking. At the time my wife was 9 months pregnant and father in his final days. Later that same day I called them back to cancel it to give myself time to think about it. They automatically sent a paper contract out in the mail which I received two weeks later. I signed and returned it to the bank, but they wont honour it, stating I verbally cancelled. I told them they shouldnt have sent the legal contract out, and that mistake is their fault not mine

Asked 3 months ago in Hamilton, Ontario
Categories: Contracts

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C. White

Answer by C. White

Not VerifiedOntario lawyer

Hello, Is this matter still in dispute?  We would like to ascertain more details in order to provide an accurate response to your question.  If you would like to contact us at 437-886-4817 or by email at we can have a more detailed conversation.  We do offer free initial consultations so there would be no charge. 

Posted 3 months ago

Please note that this is for informational purposes only and does not constitute legal advice to you. Legal advice pertaining to your particular situation can only be provided by a lawyer who has met with you to obtain all pertinent background information necessary to give you a formal legal opinion. For formal legal advice, hire a lawyer (many give a free first consultation). Contact C. White, or search the Lawyer Directory.


Yes this issue is still in dispute after their second level investigation failed, ive now contacted the banks Ombudsman,which im sure will fail since they followed bank procedure, just ignoring the fact that they sent a legal contract out. I will proceed once the ombudsman fails

Posted 3 months ago

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