Who to call in Yukon

Yukon has no credit freeze

Only Quebec and Ontario residents can freeze a credit file. Here, you can place a fraud alert instead. It asks a lender to check it is you before giving credit.

Call Equifax on 1-800-465-7166 and TransUnion on 1-800-663-9980. Each places its own alert, and neither tells the other.

a credit freeze a block that stops a credit bureau sharing your file with a new lender

Ontario and Quebec law let you ask Equifax and TransUnion not to give your file to a lender who would open new credit. Neither bureau charges for it, and each has to be asked separately. Equifax calls it Credit Lock. Everywhere else, the option is a fraud alert instead.

a fraud alert a note on the credit file asking a lender to check who they are talking to

It asks; it does not stop anything on its own. A lender is meant to make contact and confirm identity before approving credit in your name. Each bureau keeps its own file, so one placed at one does nothing at the other. A bureau may charge for placing one.

The Office of the Yukon Superintendent of Securities

867-667-5466, or toll free in the Yukon on 1-800-661-0408, extension 5466. 307 Black Street in Whitehorse. Weekdays, 8:30am to 4:30pm.

Complain in this order.

• Write to the adviser or the firm first, and send it by registered mail.
• Then the Ombudsman for Banking Services and Investments.
• Or the Canadian Investment Regulatory Organization (CIRO), if the firm or the adviser is a CIRO member.
• Then civil court, which for a smaller amount can mean Small Claims.

Last, if none of that resolves it, a formal written report to the Superintendent.

A report here is public unless you ask otherwise. Yukon publishes misconduct reports and any investigation unless you ask for confidentiality when you file.

Adult Protection Services

867-456-3946, or 1-800-661-0408 extension 3946, Monday to Friday from 8:30am to 4:30pm. In writing, adultprotection@yukon.ca. In person, 3168 3rd Avenue in Whitehorse. Every report in the territory is handled by this office.

Abuse includes financial abuse. Signs include unpaid bills and sudden changes in spending, as well as unexplained injuries and weight loss.

The law keeps your name confidential. You can also report without giving your name. An adult who understands their decisions can accept or refuse help. A court steps in only in the most serious cases.

The Public Guardian and Trustee

867-667-5366, or 1-800-661-0408 toll free in the Yukon. Monday to Friday, 8:30am to 4:30pm. First floor, 2134 2nd Avenue in Whitehorse.

The Yukon Supreme Court appoints a guardian for an adult who cannot handle their own affairs: daily living, health care, legal matters and finances. There are two kinds, temporary guardianship of financial matters for one period of up to 180 days, and longer-term guardianship.

When there is nobody else. The Public Guardian and Trustee may act as guardian for an adult who has no one to assist them.

What it is not. Guardianship is a court finding about capacity. The office is not a fraud line, and does not handle a family disagreement about a decision somebody made.