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March 2016

Foreign cheques /

Bank entitled to use less risky clearance method

Sarah regularly received cheques of £1,000 from her family in the United Kingdom. She would deposit …

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March 2016

Freezing an account /

Church conflict not bank's problem to resolve

Ravi and his wife Hana were members of a church congregation. The church had two constitutions, one …

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February 2016

Mistaken payments /

Refusal, not delay, behind non-return of money

Lee wanted to transfer her credit card balance from bank A to bank B. While completing a form at ban…

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February 2016

Travel cards /

Card's conversion disclosure could have been clearer

David completed a tap-and-go transaction at Heathrow Airport using his Air New Zealand OneSmart card…

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January 2016

Clearing cheques /

Bank ignored instructions by allowing early cashing of cheque

Hamish hired a contractor to do work on his property. He gave the contractor a post-dated cheque for…

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November 2015

Lending restrictions / Freeing up capital /

Restrictions no basis for keeping entire sale proceeds

Lee owned two properties funded through separate bank loans. When he sold property A, he thought he …

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November 2015

Early repayment charges /

Bank properly informed customer about early repayment charges

Zhang took out three housing loans with his bank. The loans' interest rate was fixed for three years…

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October 2015

Account mandates /

Unauthorised use of account led to $9,000 loss

Jamie complained about her bank allowing her former husband, Alex, to take out a loan in joint names…

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October 2015

Chargebacks /

Handling of complaint left customer unable to challenge merchant

Ravi entered his credit card details on a movie streaming website to see whether he could receive th…

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