Decisions


We publish our decisions to provide guidance to financial services providers and consumers as to how we approach particular issues and reach decisions. It should not be cited or relied on as a precedent as we consider each complaint on its own merits.


 

15 November 2016
Review | 15 November 2016
  • Consumer lease 
  • Responsible lending obligations 
  • Reasonable offer
  • Lease provider
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15 November 2016
Recommendation| 15 November 2016
  • Civil fraud
  • Responsible lending requirements
    (Failure to verify consumer’s details)
  • Default listing
  • Debt collector/ debt purchaser
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15 November 2016
Recommendation | 15 November 2016 (b)
  • Failure to arrange loans in accordance to the
    consumer’s requirements and objectives
  • Investment property
  • Cross-collateralised securities
  • Lease provider
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17 October 2016
Review | 17 October 2016
  • Car loan 
  • Financial hardship
  • Payment arrangement- arrears capitalised and loan term extended
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22 September 2016
Review | 22 September 2016
  • Small amount credit contract 
  • Inappropriate direct debiting
  • Failure to provide documentation  
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15 September 2016
Review | 15 September 2016
  • Default listing – no notice
  • Disputed debt
     
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13 September 2016
Review | 13 September 2016
  • Car loan with NZ company
  • Debt collection
  • Outside of CIO’s jurisdiction
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1 September 2016
Review | 1 September 2016
  • Judgment entered

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29 August 2016
Expedited Ruling | 29 August 2016
  • Reverse mortgage home loan
  • Mortgage brokerage service and credit assistance
  • Disputed fee for service
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26 July 2016
Decision | 26 July 2016
  • Consumer Lease Agreement
  • Goods Lease Provider
  • Financial Hardship
  • Reduced payments
  • Payment moratorium
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