Ontario Highway 407 - Tolling - Plate Denial - Payment Plan

Payment Plan

When plate denial was finally reinstated by the courts in 2006, as part of an agreement reached with the Ontario government to drop its legal appeal against the 407 ETR's use of plate denial, the 407 ETR introduced a payment plan for drivers who owe significant amount of tolls and fees. The payment plan allows a person to pay the amount owing over time in payments as opposed to paying it all off at once. Qualification for the payment plan, as well as any terms attached to it, is at the sole discretion of the 407 ETR.

To become eligible, a driver must owe more than $1000 CAD in tolls and fees and have no other alternative vehicle. The driver must also prove that paying the entire toll at once will basically amount to financial suicide. If the 407 ETR decides that a driver qualifies for this plan, there are specific terms that have to be met. Interest charges will continue to accumulate, in some cases the driver must agree not to use the highway until the amount owing is significantly reduced or paid off entirely, and perhaps most interesting of all is giving the 407 ETR the right to register a lien against your vehicle. In addition, if you decide the accept the payment plan, the 407 ETR will charge a one-time $30 "Payment Plan Application Processing Fee" to your account. This fee too will be subjected to interest. It is added to the rest of the balance on the account.

You are not eligible to apply for the plan if you owe less than $1000 CAD, if there's sufficient public transportation in your vicinity, if it's possible for you to rent or find a replacement vehicle, or if you already made payment arrangements in the past and failed to honour them.

Drivers who think they qualify for the plan have to download an application from the 407 ETR's website. The final decision rests with the 407 ETR’s Ombudsman. Drivers who have been approved for the plan will be contacted by the 407 ETR.