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November 2018

Concerns about lending decisions /

No grounds to suggest misleading conduct

Colleen’s business was placed in liquidation by the Inland Revenue Department, although she understo…

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August 2018

Direct debits /

Statement descriptions can require further scrutiny

Aaron joined a gym and gave his credit card details, so a direct debit could be made each fortnight.…

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April 2018

Joint accounts /

Unfair for bank to hold money so long without interest

Kate and her husband Kevin received funds from the Earthquake Commission while in the middle of sepa…

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December 2016

Freeing up capital /

Poor communication led to sale proceeds misunderstanding

Tama and his partner lived in Australia and owned three properties in New Zealand, two of them apart…

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November 2016

Mobile banking /

Call should have raised doubts

Sarah got hold of her friend Ana’s phone banking password. She called the bank and managed to get pa…

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August 2016

Joint accounts /

Bank mishandled account dispute involving employee

Tama and his partner Sarah had joint accounts and a home loan with their bank. Sarah was also an emp…

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August 2016

Chargebacks /

Trader authorised disputed transactions

Tony had accounts with several online binary options trading companies. Tony traded on whether the v…

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July 2016

Processing payments /

Preferred method had potential for late payment

Ravi cleared his credit card each month on the due date by the "bill payment" method. Under this met…

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June 2016

Overdrafts /

Former student not entitled to special interest rate

Ali took out a student package with his bank when he went to university. It gave him an interest-fre…

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