The appellant appealed a Small Claims Court decision striking his defence and granting judgment to the respondent for a credit card debt of $10,840.17.
The appellant argued that the respondent increased his credit limit without his express consent, contrary to regulations under the Bank Act.
The Divisional Court dismissed the appeal, finding the Deputy Judge did not err in accepting the respondent's evidence that the appellant had authorized the increases via internet and telephone banking.
The defence had no meaningful chance of success at trial.