Herbert v American Express Australia Ltd & Ors [2016] NSWCATAP 47

Civil and Administrative Tribunal New South Wales Medium Neutral Citation: Herbert v American Express Australia Ltd & Ors [2016] NSWCATAP 47 Hearing dates: 25 September 2015, written submissions on 9 and 23 October 2015 Date of orders: 23 February 2016 Decision date: 23 February 2016 Jurisdiction: Appeal Panel Before: P Durack SC, Senior Member K Rosser, Senior Member Decision: Appeal dismissed. Catchwords: Appeal - income protection insurance for employee not paid during waiting period after injury - claim for breach of contract, unconscionable and misleading conduct - jurisdiction of Tribunal - alleged bias - no contravention or liability established. Legislation Cited: Australian Consumer Law Civil and Administrative Tribunal Act 2013 Civil and Administrative Tribunal Rules 2014 Commonwealth Crimes Act 1914 Competition and Consumer Act 2010 (Cth) Consumer Claims Act, 1998 (NSW) Fair Trading Act 1987 (NSW) Insurance Contracts Act 1984 (Cth) NSW Crimes Act 1900 NSW Evidence Act 1995 Cases Cited: Balmain New Ferry Co v Robinson (1910) AC 295 Baltic Shipping Company v Dillon [1993] HCA 4; (1993) 176 CLR 344 Blomley v Ryan (1956) 99 CLR 362 Concrete Constructions Pty Ltd v Nelson [1990] HCA 17; 169 CLR 594 Gates v City Mutual [1986] HCA 3; 160 CLR 1 Houston v Arms (2006) 225 CLR 553 Hurley v McDonalds Aust Ltd [1999] FCA 1728 Jenkinson v Chaw [2015] NSWCATAP 127 Kakavas v Crown Melbourne Ltd [2013] HCA 25; 250 CLR 392 Louth v Diprose (1992) 175 CLR 621 Maxwell v Highway Haulies Pty Ltd [2010] HCA 33; (2014) 252 CLR 590 Megerditchian v Kurmond Homes Pty Ltd [2014] NSWCATAP 120 Michael Wilson & Partners v Nicholls [2011] HCA 48; (2011) 244 CLR 427 Moss v Lowe Hunt & Partners Pty Ltd [2010] FCA 1181 Oceanic Sunline Co v Fay (1988) 165 CLR 197 Stern v McArthur (1998) 165 CLR 489 Category: Principal judgment Parties: Denise Faasegi Herbert (Appellant) American Express Australia Ltd (First Respondent) Mercer Superannuation (Australia) Ltd (Second Respondent) AMP Life Limited (Third Respondent) Representation: Mr Herbert (Appellant) Ms Taylor (First Respondent) Mr Kerr, Lander & Rogers (Second Respondent) Ms Esparza (Third Respondent) File Number(s): AP15/31765 Decision under appeal Court or tribunal: Consumer and Commercial Division Jurisdiction: Consumer and Commercial Division Date of Decision: 1 May 2015 Before: M Cohen, Member File Number(s): Gen 14/61687