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November 2012

Concerns about lending decisions

Lending to son was responsible

A bank gave David’s son a $10,000 bank loan to buy a car. His son was 19, on a 90-day trial period f…

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September 2012

Mortgagee sales

Bank pays $1,000 over loan arrears pleas and silence on charge

Tani moved overseas to care for his elderly mother. He resigned from his job and advised his New Zea…

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September 2012

Overdrafts

Bank had no responsibility for overspending

Ravi withdrew funds from his savings account while travelling overseas for several months. On his re…

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September 2012

Privacy & confidentiality

Stress payment for staff member's snooping reasonable

Hana had taken a protection order against her former husband and gone with her children to another p…

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August 2012

Freeing up capital

Misunderstanding over new loan did not result in actual loss

Morgan's business needed more capital. She decided to sell her house and buy a cheaper one to reduce…

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August 2012

Foreign cheques

Exchange rate risks spelled out clearly

David would sometimes transfer money from his bank account in the United Kingdom to his bank account…

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August 2012

Account mandates

Bank unable to apply different limits to account mandate

Ana and her husband Lee had a joint cheque account with a mandate allowing either to sign cheques. A…

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July 2012

Early repayment charges

Bank gave sufficient warning about charge

Ravi and his partner Hana approached their bank about its fixed home loan rates. They were given the…

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July 2012

Cards and PINs

Thief accessed account through PIN stored on cellphone

Logan had a significant sum of money transferred from his bank account via telephone banking by some…

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