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Contract 2024 BCSC 963

Royal Bank of Canada v. Smith

The Bank’s summary trial claim for a credit card debt was dismissed after failing to prove Carol Smith was a co-applicant or that credit-limit increases were expressly consented to.

  • Co-applicant vs authorized user
  • Cardholder agreement interpretation
  • Credit limit increases and consent
  • Burden of proof on plaintiff
  • Summary judgment procedure
  • Credit-card-debt
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Civil 2022 ONCA 60

Ghasempoor v. ICapital Financial Services Corp.

The appeal was dismissed because the motion judge did not commit reversible error: appellants received adequate notice, failed to attend or provide credible justification, failed to adduce evidence to substantiate their assertions about the debt amount or damages from the credit report, the summary judgment was appropriate on the uncontested documentary record, and the proposed fresh evidence was available with reasonable diligence and therefore inadmissible to upset the summary judgment.

  • Summary judgment
  • Procedural fairness
  • Personal guarantee
  • Consumer credit report
  • Service of process
  • Fresh evidence
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Contract law 2018 NSSM 108

Levangie v. MacDonald

Defendant had assumed responsibility to make the periodic payments under the joint loan and did so until failing to make or cause the August 2018 payment; there was no agreement or evidence obliging defendant to pay out the full loan balance, therefore claimant is not entitled to an order for full payoff but is entitled to reimbursement of the out-of-pocket payment of $128.45 plus costs.

  • Loan agreement
  • Joint liability to lender
  • Reimbursement/indemnity
  • Service of process
  • Breach of payment obligation
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Civil 2018 ONCA 829

Prince v. Capital One Bank (Canada Branch)

The motion judge did not err: the affidavit inaccuracy was corrected and immaterial, the appellant failed to adduce evidence of new charges after an adjournment so dismissal was appropriate, and the appellant did not seek required leave to appeal the cost order; therefore the Court of Appeal dismissed the appeal and affirmed the costs award.

  • Unauthorized credit card charges
  • Affidavit corrections
  • Motion practice
  • Leave to appeal costs
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Civil 2017 NSSM 45

Preferred Credit Resources Ltd. v. O’Halloran

Section 5(1) of the Small Claims Court Act bars a corporate claimant that is not an original party to the contract from succeeding on an assigned debt in Small Claims Court; consent of the defendant or procedural transfer does not confer jurisdiction where the statute forbids it; therefore the Court lacks jurisdiction and the claim is dismissed.

  • Small claims court jurisdiction
  • Section 5(1) small claims court act
  • Assignment of debt
  • Consent to jurisdiction
  • Transfer of proceedings from supreme court
  • Statutory interpretation
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Contract 2015 NSSM 62

DeWolfe v. TD Auto Finance

Because the original Small Claims matter was adjourned without day and therefore not finally determined, the Court lacked jurisdiction to proceed on the second claim separately; consequently the correct remedy was to consolidate the two matters and schedule a new hearing rather than enter default judgment, despite finding service.

  • Breach of settlement agreement
  • Service of process
  • Default judgment
  • Consolidation
  • Jurisdiction
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Contract law 2014 NSSM 50

Bank of Montreal v. Kincade

Non est factum failed because the Request was clear and unambiguous and the defendant was careless in not reading or making reasonable inquiries; carelessness precludes disowning a document so the signed joint and several obligation was enforceable and the defendant is liable for the debt.

  • Non est factum
  • Joint and several liability
  • Contra proferentum
  • Contract interpretation
  • Liability of co‑borrower
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Bankruptcy and insolvency 2010 NSSC 298

Gardner (Re)

Given credible medical evidence that recurrent major depression with anxiety prevents the bankrupt from completing residency, practicing medicine or likely earning sufficient future income to make meaningful payments, the circumstances giving rise to indebtedness are those for which she cannot justly be held responsible; therefore no fact under s.173(1) was proved and an absolute discharge was appropriate.

  • Discharge of bankrupt
  • Student line of credit
  • Condition of discharge
  • Application of s.173(1) bia
  • Conditional discharge under s.172(2) bia
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Bankruptcy 2009 NSSC 338

Abdo (Re)

No fact under s.173 BIA was proved: there was no culpable extravagance, no evidence of trading while insolvent, and the Trustee reported no viable proposal; considering the bankrupt's serious health issues, lack of income and limited prospects, and the bank's role in advancing funds, an absolute discharge was appropriate as refusal or conditions would be unjust and serve no practical purpose.

  • Discharge of bankrupt
  • Student line of credit
  • Section 172 bia
  • Section 173 bia
  • Creditor opposition
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Contract 2008 NSSM 18

VFC Inc. v. Coady

Because VFC Inc. was an assignee of the Conditional Sales Contract and not one of the original parties to the contract, s.5(1) of the Nova Scotia Small Claims Court Act deprives the Small Claims Court of jurisdiction to hear the corporate claimant's debt claim; accordingly the claim is dismissed.

  • Conditional sales contract
  • Assignment of contract
  • Small claims court act s.5(1) jurisdiction
  • Lien registration
  • Claim dismissal for lack of jurisdiction
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Canada decisions are organised by court, judge, legal area and indexed issue so a practitioner can move from a proposition to a citable authority with the surrounding context intact.