Robert went to live in Australia. On his return to New Zealand in April 2021, he received a final warning notice from a debt collection agency for the credit card debt. The bank had incorrectly left the debt on Robert's profile in 2017, and an automated process meant the debt was incorrectly referred to a debt collection agency. While Robert was overseas, the agency had made numerous unsuccessful attempts to contact him. Robert had a default listing lodged on his credit report, although it was subsequently removed.
The bank had already written off the debt and removed the default listing. In the meantime, it had also offered Robert $11,500 in compensation for the stress and inconvenience he had experienced.
Robert accepted the offer.Print this page