exo Train-Delay Settlement Pays Up to $145 — and Claims Close October 20

If you rode the Deux-Montagnes or Mascouche train on a monthly pass or a booklet in the winter of 2017-2018, you have until October 20, 2026 to claim your share of a court-approved settlement with exo and the ARTM. Miss that date and you get nothing.

The amounts are small but real. The claims administrator publishes a maximum for each type of fare. A regular monthly or annual pass holder from the North Shore can get up to $145. A Montreal or Laval regular pass holder can get up to $107. Booklet buyers get a per-booklet amount, capped at three booklets.

The catch is the word “maximum”. If more people claim than the fund can cover, every payment shrinks. Nobody knows yet whether that will happen.

What this settlement is about

The class action, Konstas v. Réseau de transport métropolitain, was over repeated delays, cancellations and service disruptions on the Deux-Montagnes and Mascouche lines between November 1, 2017 and February 28, 2018. The Superior Court of Quebec authorized it in April 2020. Justice Céline Legendre approved the settlement on March 16, 2026.

exo and the ARTM deny any fault. They settled to avoid a trial expected to last about two months.

Total value: $4.2 million, according to the approval judgment. That includes $1 million already paid out as partial compensation back in 2018. The new money is $3.2 million.

Deadline: October 20, 2026.

Claims administrator: Services Proactio Inc.

Who qualifies

You are eligible if all three of these are true:

• You paid for a monthly pass, an annual pass or a TRAIN/TRAM booklet. Single-trip tickets do not count.
• You used it on the Deux-Montagnes line, the Mascouche line, or both.
• You travelled between November 1, 2017 and February 28, 2018.

A parent can claim for a child who travelled on a reduced fare. A legal representative can claim for someone who is incapacitated or has died, with proof of authority.

If you bought single tickets

You get no individual payment. Instead, up to $75,000 goes to Trajectoire Québec, a transit users’ group, as indirect compensation. Do not file a claim for single tickets. It will not be paid.

How much you could get

The amount depends on three things: your fare type, your age category, and where you lived at the time. “North Shore” in the tables covers Mascouche, Terrebonne and Deux-Montagnes. Riders from those areas get higher maximums than Montreal and Laval riders.

Monthly or annual pass

North Shore: up to $145 regular (ages 25 to 65), $116 student (18 to 25), $87 reduced (6 to 17, and 65+).

Montreal/Laval: up to $107 regular, $85.50 student, $64 reduced.

Booklets

North Shore: up to $29 per booklet regular, $17.50 reduced.

Montreal/Laval: up to $21.50 per booklet regular, $12.86 reduced.

You can claim a maximum of three booklets. So a North Shore regular booklet rider tops out at $87.

Why the real payment could be lower

Every figure above is a ceiling. The court-approved notice says plainly that if there is not enough money to pay all valid claims in full, payments will be reduced proportionally.

Here is the mechanism. Class counsel’s $1 million in fees and up to $300,000 in administration costs, plus taxes, come out of the $3.2 million first. Up to $75,000 goes to Trajectoire Québec. What is left pays the individual claims.

If that is not enough, exo has agreed to add up to $150,000 more. After that, everyone’s cheque shrinks by the same percentage.

Whether a reduction happens depends on how many people file and what fares they held. The approval judgment says the distribution list built from exo’s rider surveys and class counsel’s contacts covers 14,906 members, about 77% of the class. Not all of them will claim. Nobody knows the final number yet, and be sceptical of any site that gives you a firm per-person figure below the published maximums.

How to claim

You file online through the claims administrator, Proactio. There are two routes.

Option 1: you got an email from Proactio in July 2025

You were on exo’s list. Fill in the online form using the same email address the notice went to. Declare where you lived during the period, your fare type, and how many booklets if that applies. No documents are needed.

Option 2: you did not get that email, or you are not sure

You can still claim. Fill in the same form, then upload valid government photo ID showing your date of birth, and proof of your address during the period with a postal code. A 2017 or 2018 notice of assessment, lease, utility bill, bank statement or pay stub works. You can black out account numbers and balances.

Proactio’s own FAQ says to use Option 2 if you are unsure whether you got the July 2025 email.

How you get paid

Payments go out by Interac e-Transfer to your mobile phone, within 60 days after the claims period ends. The approval judgment gives members 30 days to accept the transfer. Make sure the phone number and email on your claim are ones you will still be checking in December.

Watch for fake claim sites and texts

Filing is free. You never need to pay a lawyer, a “recovery service” or anyone else to submit this claim. Class counsel is already paid out of the settlement fund.

Any settlement that pays by e-Transfer invites phishing. Expect fake texts saying your “exo refund” is waiting and asking you to click a link or confirm your bank login. The real payment arrives as an Interac e-Transfer. A genuine Interac deposit never asks for your banking password. If a message pressures you to act within hours, treat it as a scam.

Type the administrator’s address in yourself: proactio.ca. Do not follow links from texts. We broke down other recent deadlines, and one “open” claim that had actually closed, in our October settlement deadlines roundup.

What to do this week

Check your inbox for July 2025. Search for “Proactio” or “exo”. If you find the notice, you can file under Option 1 in about five minutes with no documents.

Find one proof of address. If you need Option 2, dig out a 2017 or 2018 tax assessment, lease or bill showing where you lived. Your old notices of assessment are in CRA My Account.

Claim for your kids or parents too. Reduced-fare riders aged 6 to 17 or 65+ qualify. Each eligible rider is a separate claim.

File before October 20. Do not wait for the last day. Proactio’s FAQ page shows a different date than the court-approved notice and the case page, so go by the earlier one: October 20, 2026.

Check your other claims. If you bought Truffettes de France chocolates, read our breakdown of the Truffettes de France settlement. And if you bought recalled Silk or Great Value plant-based drinks in 2024, read our guide to who can claim from that recall settlement before its October 16 cutoff.

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More open settlements

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• The CAF systemic racism claim deadline is October 15
• The Government of Canada account breach settlement
• Canada’s $32.5 billion tobacco settlement: the claim window that runs to 2027

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Figures and dates are as published by the claims administrator, Services Proactio Inc., and in the Superior Court of Quebec’s approval judgment of March 16, 2026 (file 500-06-000937-181), as of September 27, 2026. All amounts are maximums and may be reduced pro rata. This is general information, not legal or financial advice. Confirm your eligibility and the deadline on the official settlement page at proactio.ca or with class counsel before you file.