Case Studies

Our case notes show how we deal with the many different issues that arise in our case investigations. The case notes aim to provide consumers and participants with guidance as to the approach we are likely to take in a particular type of case or highlight some of the many different ways in which a complaint can be resolved.

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Title Year Case summary
Will this debt repayment plan work for me? 2014

Debt repayment plan unsuitable for complex mixed property ownership.

Learner driver insurance lesson 2016

Did an insurance broker lead a client to believe a policy would cover employees driving in breach of learner and restricted licence provisions?

Traumatic times when buying back insurance 2016

Failure to buy back insurance causes trauma insurance cover to cease.

Life is inconvenient 2016

Inconvenience caused during a significant financial hardship application within the tolerance expected for everyday life.

Take it, to the limit…one more time 2016

Toby complains to FSCL that his lender provided him credit irresponsibly in 2013. Would the story have been different if Toby took out the credit after June 2015?

Invaluable lesson: Do not place valuable items in your checked-in luggage 2016

Rabindra placed valuable items in his checked-in luggage because he thought that this was the safest way to transport them. When he arrived back in New Zealand his valuable items were missing. Rabindra’s travel insurance company declined his claim because it considered he had not taken “reasonable care” by placing valuable items in checked-in luggage. Was the insurance company entitled to decline his claim?

Interesting calculations 2016

Geoff invested money with a peer-to-peer lender. After reviewing his investments performance, Geoff is confused the actual rate of return on his investment is not what he had calculated it would be. Geoff is concerned that there may be something going on. What can Geoff do?

Lost on loss: It was stolen so why won’t my insurer pay? 2016

Adam gave the cylinder head for his vintage Chrysler to his friend to deliver to a mechanic. However, the cylinder head was stolen before it reached the mechanic. Did Adam’s motor vehicle insurance policy cover his stolen cylinder head?

Car insurance comes crashing down 2016

Raelene’s ex-husband cancels his car insurance policy for her car. Raelene was not notified by the insurer that the policy had been cancelled and damaged the car in an accident. Was the insurer obliged to notify Raelene of the cancellation?

Equity release loan not so equal for beneficiaries 2016

Belinda learns her claim to her parents’ estate could be compromised by an equity release loan they had agreed to in 2008.