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
Big loan for a bad car 2018

Lilly borrowed a lot of money to purchase a new car. A few months later the car was repossessed and Lilly was left with no car and a big loan.

The rule of 78 2019

Commercial lending allows a lender to calculate interest using the rule of 78. The Rule of 78 means the borrower must pay a greater portion of the interest rate in the earlier part of the loan cycle, which means the borrower will pay more than they would with a regular loan.

But that’s so unfair! 2019

What happens if you buy a repayment waiver, but you are so badly injured that you are unable to claim against it within the one month required by the contract and your lender declines your claim?

Unable to log in 2019

Tama has been unable to view his payday loan online and does not know whether he has paid it off or not.

Timeshare woes 2018

Omar went on holiday and while there, bought into a vacation credit scheme. When he came home, Omar realised he could not afford it and cancelled his direct debits. A few years later Omar discovered that he had a very large default listed against his name.

Lending to a vulnerable consumer 2019

A finance company continually refinanced a vulnerable borrower’s loan, adding credit related insurance, interest, and fees.

I have insurance, don’t I? 2019

Ataahua had been paying for medical insurance for a number of years, only to find out that her policy had been cancelled when she turned 64. Can Ataahua get the insurer to still provide her with medical cover?

A stiff drink 2019

A party in Cancun takes a turn for the worse for Luis and Aoife when Aoife stops breathing and is rushed to hospital. Will Luis’s insurer pay for his medical bill?

My car, my castle 2019

Nixon had an accident and lost his job. He fell behind on his repayments and had to live in his car. Unfortunately, Nixon could not meet his car loan payments and his car was repossessed. What can Nixon do?

When unexpected events occur 2019

Sue was due to meet her cousin for a family vacation. Unfortunately, Sue’s cousin passed away suddenly. Can Sue claim the costs of rearranging her travel from her insurer?