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
Responsible lending and repossession woes 2018

Deena arranged a loan for a new car. Information in Deena’s loan application, which was filled in by a dealer, was inconsistent but the lender relied on the information regardless. Deena entered unexpected hardship and could not afford to pay the loan. The lender tried to repossess the car, but Deena would not surrender the car. Was the repossession lawful and should the lender have lent money?

“I won’t pay!” 2019

Hayley alleged her lender had made errors in its documentation. Hayley decided not to pay her loan for a year, and wanted the lender to write off her arrears.

Disappearing bags 2019

While hurrying to leave for the airport, David left his two suitcases containing sentimental items by the gate while doing a final check of the house to do a final check and get his passports. On return his bags were gone. His travel insurer declined his claim, was this correct?

Drain disaster 2018

Company A knew that it had to take steps to prevent concrete getting into holes in underground pipes. The question is whether it took ‘all reasonable precautions’, as required by its insurance policy?

Eczema ruins holiday 2019

What happens if severe eczema ruins your holiday and you want to come home early?

Repayment waiver disappointment 2018

Suravi topped up her loan with a loan company in 2018. At the same time, she purchased repayment waiver cover to protect her against sudden illness. Later in the year, she became ill and claimed on her repayment waiver. The claim was accepted but the pay-out only included the month in which the claim was approved and not the month’s payment when Suravi became ill.

Test drive theft 2019

A vehicle is stolen during a test drive, and the insurer declines the claim

Cancellation means cancellation right? 2018

After Henry cancels his credit card, further charges appear.

What’s the significance of my partner’s funds? 2018

Deborah’s application to withdraw KiwiSaver funds on the grounds of significant financial hardship is declined because of funds in her partner’s bank account.

‘Claws out’ – a case about commission clawback 2018

Sanjali cancels her insurance policies within 6 months, and receives a $1,725 fee from her adviser. Could the adviser charge the fee?