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
Travel insurer ACCidentally makes a mistake in interpreting its policy 2017

Kurt’s insurer declines his claim for lost income, because he made an ACC claim. Did the insurer interpret the policy exclusion correctly?

Overpayments do not always reduce the loan principal 2017

Aadavan made overpayments towards some monthly installments, but the loan’s principal didn’t reduce faster. Had the lender applied the overpayments correctly?

Where did my money go? 2017

What happens when you are in default of your loan repayments, and your lender debits your bank account leaving you with only $35 to pay your weekly expenses?

A swift resolution to Mihirangi’s complaint 2018

Mihirangi bought goods from a mobile trader and soon after defaulted on her payments. Did the mobile trader comply with the Responsible Lending Code?

Lawless loans? 2017

Why were Wiremu’s parents paying higher interest rates to a third-tier lender than others were being offered?

Poor form 2017

A professional trustee made a mistake and wants to put it right – but should Deirdre end up better off?

Krakow caper 2017

Patrick fell for a credit card scam when enjoying a drink at a bar in Krakow. Should his travel insurer have to compensate him for his loss?

Marine mishap 2017

Bryan was an experienced mariner and he formed a view early on about how his yacht had been damaged. But did the insurer have to accept his view without question?

Policy loophole letdown 2015

What happens when a policy doesn’t cover loss both the insured and their financial adviser expected would be covered?

Responsibility for lending to peers 2018

Is a loan by a peer to peer lender subject to the responsible lending obligations in the Credit Contracts and Consumer Finance Act 2003?