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November 2019

Early repayment charges

Loan a month off completion, but cash contribution must still be repaid

Sydney took out a three year fixed-interest rate loan with the bank. About two and a half years lat…

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November 2019

Credit laws and banking / Concerns about lending decisions

Bank didn’t use bankruptcy information but was entitled to hold it

Casey applied for a home loan from his bank, which the bank declined, citing a bankruptcy debt it ha…

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November 2019

Mortgagee sales

No grounds for upholding loan payment dispute

Ivan signed a settlement agreement to resolve a dispute with the bank after being unable to keep up …

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November 2019

Early repayment charges

Loan agreement spelt out possibility of early repayment fee

Crystal took out a home loan with an interest rate fixed for two years. A year later, she decided to…

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October 2019

Kiwisaver

KiwiSaver withdrawal involving Australian superannuation

Dean spent three years working in Australia, and during this time contributed to an Australian workp…

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October 2019

Mortgagee sales

Bank leapt straight to action of last resort

Ryan had a home loan, a condition of which was that he paid the council rent when it fell due (it wa…

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October 2019

Common scams targeting bank customers

Bank not liable for fraud loss

Nilam received a call from a fraudster claiming to be from her overseas bank. Caller ID confirmed th…

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October 2019

Account information

Inconsistent details no grounds to withhold release of funds

Freddy, a British resident, had been trying for four years to withdraw money from his New Zealand ac…

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October 2019

Credit laws and banking

Bank not required to reduce default amount for credit report

Amy had a $5,000 debt she could not repay, so the bank referred the debt to an external collection a…

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