If you have a Passtime Payment Assurance Device installed in your vehicle, you may have questions about how this device operates.
 
This device allows CAL Financial to disable the starter on your vehicle, which will prevent your vehicle from starting. It will NOT shut down the engine when the vehicle is running, nor will it disable any of the electronic features of your vehicle (power locks, windows, stereo, etc.) at any time. It also enables us to locate your vehicle at any time via Global Position Satellite technology.
 
Frequently Asked Questions:
 
Why would you disable my vehicle from starting?
We will only disable your vehicle from starting if you have missed a payment and have not made arrangements to make the payment up. For example, we receive regular notices from the bank of pre-authorized payments that were declined ("bounced") due to insufficient funds, a stop-payment order, or various other reasons. When we receive these notices, we attempt to contact the customer by phone to arrange a makeup payment. If we are unable to reach you or you do not return messages, we will send a warning to the device, which will then make a siren-type sound whenever you start the vehicle. This indicates that you have 48 hours to contact us to arrange a makeup payment.
 
For some customers who have repeatedly bounced payments or whom we cannot locate, we may not send the warning signal and instead disable the vehicle immediately.
 
What do the various beeps and chirps from the Passtime unit mean?
The different beeps and chirps indicate several different things, from warning sounds to timeout sounds to "everything is ok" sounds. Click here for a menu of the various sounds. Click each button to hear the corresponding sound. The most important sound to listen for is the warning sound. If you hear this sound, it means you have 48 hours (or less) to contact us to arrange for a makeup for a bounced payment before your vehicle is disabled.
 
If my vehicle has been disabled how can I re-enable it?
A payment must be made to re-enable the vehicle, or arrangements to make the payment up must be made. For example, if your pre-authorized payment bounced, we called you and you did not return the phone call and your vehicle was disabled, you may call us to set up a makeup pre-authorized payment. If a makeup payment bounces, your vehicle will be immediately disabled with no warning, and will not be re-enabled until payment is made. Personal cheques will be held for seven business days to clear before the vehicle is re-enabled.
 
How can I tell how much time I have before the vehicle is disabled?
Each unit comes with a remote control keypad. Simply point the remote control at the brake pedal and press the "TIME" button on the keypad. The unit will emit a series of beeps - each beep indicates how many days are remaining before the vehicle is disabled. If you hear only one beep, your vehicle will be disabled sometime tomorrow. Do not expect the vehicle to start in the morning!
 
What if I need to get to work tomorrow but my vehicle will be disabled?
Call us! You will need to make arrangements to make up your bounced payment. If you do not make arrangements, the vehicle will be disabled.
 
What if my vehicle is disabled after hours or on the weekend?
We can only re-enable cars during normal business hours (Monday to Friday, 9am-5pm). We do NOT have a 24-hour hotline. If you hear the warning tone on Friday at 4pm, you better call us within the hour if you need to use your car Sunday night!
 
What if I work shift work and can't call during normal business hours?
You can always communicate with us by email (info.calfinancial.ca) or by voice mail. If you absolutely need to speak to someone live after hours, you can email us or leave a voice mail with a number you can be reached at and a time to call (for example a work number and the time of your lunch break) and someone will call you at the number and time specified. We do everything we can to accomodate shift workers.
 
What if there's an emergency and I need to use my car?
Each unit comes with one emergency re-enable code. Simply aim the remote control at the brake pedal and enter 999 999. This will re-enable your vehicle for 24 hours. You can only use this code ONCE, so don't waste it! We cannot reset emergency codes or provide extras.
 
Can you follow me and locate me wherever I may be?
Yes, we can, but generally there's no need for us to do this. We only track the vehicle's location when there is a need to do so (there is a cost involved to us each time we locate your vehicle). When we do track your vehicle, this information is held in the strictest of confidence and is only shared with those with whom we are required to share it.
 
What is the fastest way to make a payment?
The fastest way to get a payment to us is by making a deposit to our bank account at any TD Canada Trust branch. Click here for instructions.
 
Why do I have to wait two seconds for the chirp sound from the device before I start my car?
This is an anti-theft feature. This feature is turned off when the device is installed, but sometimes when the system first tests the device it gets turned back on. This is a bug we are working to fix. Please call or email us if you are experiencing this and we will fix the problem immediately.