Recommendation - 24 January 2018

Key Issues: 

Car lease provider | Car lease | Misleading conduct | Lease contract inappropriate | Breach of consumer guarantees.

Case summary

We find that:

  • the consumer’s claim that the FSP engaged in misleading or deceptive conduct has not been established, 

  • the FSP breached its responsible lending obligations and, after completing our own serviceability assessment, we find that the consumer could not afford her financial obligations under the lease contract, and

  • the consumer’s claim that the FSP breached the consumer guarantees has not been established.

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  Recommendation |  24 January 2018