[stillasking]

I purchased a furnace from Direct Energy and was financed by a company called Snap Financial. I was required to get a co-signer for this 5,000.00 loan. Which I did and was approved. Two years later I went to re-finance my home and discovered a $10.000.00 plus lien on my property. Snap Financial put this lien on my home days after the furnace was installed. When I asked why they said it was common practice and that the details were in my contract. I have no contract just the original sales agreement which says nothing about Liens. Four months ago I stopped making my payments until I received from them a copy of this so called contract. I have not received anything from them and now their threatening to put a lien on my co-signer's property. Is this legal? What are my options now?. Any help would be greatly appreciated!
I live in Sutton, Ontario