The appellant brought a proposed class proceeding alleging the respondent bank received interest on cash advances in violation of the criminal interest rate provisions of the Criminal Code.
The motion judge refused to certify the action, finding that restitution and breach of contract claims lacked common issues and that a class proceeding was not the preferable procedure.
The Divisional Court affirmed.
The Court of Appeal allowed the appeal and certified the class proceeding, holding that sections 23 and 24 of the Class Proceedings Act could be used to assess and distribute aggregate damages, thereby resolving the common issues problem.
The Court also found that a class proceeding was the preferable procedure to achieve judicial economy, access to justice, and behaviour modification.