Papamuri
I te tau 2009, i hokona e Mrs Pfisterer tētahi whare i te tāone iti o Ōtautahi, a Opawa, mō te $351,000. I tangohia e Mrs Pfisterer tētahi kaupapa here inihua whare me AMI Insurance, ā, i muri mai ka riro mai i Southern Response ngā nama. I muri i te tau me te hawhe, i tino pakaru te whare o Mrs Pfisterer i ngā rū whenua o Canterbury i ngā tau 2010 me 2011.
I te tau 2013, i taea e Mrs Pfisterer te whakatau i te take me te Earthquake Commission ( EQC ), engari kāore i taea e ia me Southern Response. He take tēnei i arohia e ngā ratonga a Claims Resolution Services Ltd ( CRS ). Nā tētahi kaiwhakatikatika mate o mua mō EQC i whakatū, i tuku āwhina a CRS ki ngā kaipupuri whare me ā rātou kaiwhakarato inihua. Ko te hanganga utu i ahu mai i te komihana, ā, i pānuitia ko "kāore he wikitoria, kāore he utu". I whakahaerehia tēnei i roto i tētahi huarahi e kore ai te nuinga o ngā utu e utua e te kiritaki kia whakatauhia rā anō te take.
I muri i ngā tau e rua o ngā whiriwhiringa, ka tukuna e Southern Response he kōwhiringa whakataunga ki a Mrs Pfisterer. I whakaae a Mrs Pfisterer, ā, ka ngana a CRS ki te tiki i tā rātou utu komihana.
Kāore he ngoikoretanga motuhake a te Kōti Matua
I whakakahore a Mrs Pfisterer ki te utu i te utu a CRS, ā, nā reira i tukuna ai e CRS he tono whakawa ki a Mrs Pfisterer ki te Kōti Matua. I tukuna e Mrs Pfisterer he kereme whakahoki e kī ana i puta mai te kirimana i tētahi whakaritenga koretake.
Kāore te Kōti Matua i whakaae, me te whakatau ahakoa i tino ahotea ia i te kino o tōna whare, kāore e taea te kī kei roto a Mrs Pfisterer i te āhua e pā ai te kaupapa here utu kore whakaaro nui.
I tua atu, i kitea e te Kōti Matua kāore a CRS i takahi i ana mahi kirimana. I te wā i kīia ai te mana motuhake, e pā ana tēnei ki a EQC me ngā kaiinihua. Ahakoa kāore i tino motuhake te whanaungatanga a CRS ki te umanga ture i tukuna atu e ia ki ana kiritaki, he motuhake i te mea ka taea e te umanga te mahi motuhake mā Mrs Pfisterer. [2]
Ka arotake te Kōti Pīra i te taumahatanga o ngā āhuatanga o Mrs Pfisterer
I whakatūpato a Mrs Pfisterer i ētahi take e pā ana ki te whakaaetanga. Ko te mea nui, i roto ia i te raruraru i te wā o te whakaaetanga nā te nui o te raruraru, te kore e taea te kimi rōia me te kore mārama ki te tauwhitinga.
I whānui te tirohanga a te Kōti ki te whanaungatanga i waenganui i a Mrs Pfisterer me CRS. Hei tautuhi i ngā mea e tika ana, i whakaū a Kaiwhakawā Katz i tētahi rārangi o ngā mātāpono kāore i te tino whānui e pā ana ki te kaupapa o tētahi utunga koretake. [3] Kei roto i ēnei:
- me tiaki e te kōti te hunga e uru ana ki ngā whakaritenga ina he nui te hauātanga, te ngoikoretanga rānei o te whakamahi kino i a rātou ;
- kāore tēnei hauātanga, tēnei ngoikoretanga rānei e puta noa mai i te kore taurite o te mana whiriwhiri ; ā,
- Me mōhio te rōpū kaha ki te hauātanga, ki te ngoikoretanga rānei o te rōpū ngoikore. Me whakamahi te rōpū kaha i taua mōhiotanga.
Pērā i te Kōti Matua, i kitea e te Kaiwhakawā Katz he rerekē ngā āhuatanga o Mrs Pfisterer i ērā i whakaarohia e te whakamātautau i Gustav & Co. I tautokona pai e ngā taunakitanga he tangata mohio, he kaha, he tangata māia hoki a Mrs Pfisterer. Ko te nuinga o ēnei taunakitanga i aro ki te whanonga a Mrs Pfisterer i ana hui ki a CRS. I mahara tētahi kaimahi ki te whai wāhi nui a Mrs Pfisterer ki te tukanga, ā, i whakaatu a Mrs Pfisterer i te māramatanga ki ngā take tautohetohe ki a Southern Response.
"Kāore he wikitoria, kāore he utu" – he haurua te pono?
I tautohe a Mrs Pfisterer he haurua te pono o te kōrero a CRS e whakatairanga ana i te whakaritenga "kāore he wikitoria, kāore he utu", ā, nō reira he tinihanga. Nā te kōrero a CRS i whakaaro a Mrs Pfisterer kei te tango a CRS i te mōrearea pūtea o te mahi hei kaitāko moni mō te whakawakanga. E ai ki tā Mrs Pfisterer, kei te whakaitihia taua mōrearea pūtea i runga i te korenga o ngā utu a CRS e tukuna ana ki te umanga ture e tika ana i te wā tika. Tērā pea he tinihanga, he mānumanu rānei te whanonga mā te kore e whakarato i ngā mōhiohio ahakoa kāore he herenga ki te whakarato i aua mōhiohio. [4] I raro i tēnei mātāpono, i tautohe a Mrs Pfisterer ko te rerekētanga he kōrero pea ka tinihanga, ka maminga rānei.
I whakaae a Kaiwhakawā Katz ki te whakataunga a te Kōti Matua. Kāore te kōrero "kāore he wikitoria, kāore he utu" i whakaarohia hei whakaaturanga ā-pūtea mō ngā whakaritenga pūtea a CRS. I tua atu, ehara i te whakaaturanga mō tana kaupapa utu me ngā rōpū tuatoru. Engari, ko te tikanga o te "kāore he wikitoria, kāore he utu" koia tonu te mea i kīia - ki te kore, ā, kia whakatauhia rā anō te kereme a Mrs Pfisterer, kāore i hiahiatia he utu ki a CRS. Mai i te tirohanga a te kiritaki, koinā anake te mea nui. [5]
He aha te momo whanaungatanga arumoni i waenganui i a Whaea Pfisterer me CRS?
I kī a Whaea Pfisterer he kawenga tiaki tā CRS ki a ia. Nā te kirimana i whakatū tō rāua whanaungatanga hei kaihoko me te tumuaki; ā, i te mea he tangata taumaha tēnei, ka nui ake te taumahatanga o ngā kawenga a CRS. I whakakahoretia e te Kaiwhakawā Katz tēnei tautohe, ā, i haere atu i tua atu i te Kōti Matua i whakapono he whanaungatanga tumuaki/kaihoko. I te titiro ki ngā tikanga o te kirimana, i mārama ki a Kaiwhakawā Katz me rapu tohutohu a CRS i a Whaea Pfisterer ina mahi tahi me ngā rōpū tuatoru.
I whakakahoretia te tautohe i tāpirihia e CRS ngā kawenga nā te ahotea o Mrs Pfisterer nā te mea kāore he whakaaetanga whanoke i puta.
Whakamutunga
Ko tētahi o ngā hua kino maha i muri i tētahi āhuatanga taiao ko te pakanga roa i waenganui i ngā kaipupuri whare me ā rātou kaiinihua. Ko te āhuatanga i Pfisterer he tirohanga poto noa iho o ēnei taumahatanga.
Ehara i te mea ko te roa me te uaua o te tukanga whakataunga anake, engari ko te whakaroa i meinga ai te whare o Mrs Pfisterer kia kino haere. He pānga tika tēnei ki tōna hauora tinana me tōna hauora hinengaro. I kite te Kōti i tēnei ahotea, ā, i whakaae he mea whakarihariha i muri i ngā āhuatanga taiao. Ko ngā āhuatanga tino ahotea o tētahi whare kua pakaru ka arahi i te hiahia ki te whai i te whakawakanga. Heoi, kia waiho ai te kirimana hei utu koretake, me whai āhuatanga anō ngā āhuatanga e tika ana.
Ngā Tohutoro
[1] Pfisterer v Claims Resolution Service Limited & Anor [2023] NZCA 511.
[2] Claims Resolution Service Ltd v Pfisterer [2021] NZHC 1088 at [102].
[3] Kua whakarārangihia ki Gustav & Co Ltd v Macfield Ltd [2007] NZCA 205. Tirohia [22] o Pfisterer , i runga ake i te n 1, mō te rārangi whānui engari kāore i te katoa.
[4] Des Forges v Wright [1996] 2 NZLR 758 (HC).
[5] Pfisterer , kei runga ake n 1, kei [62].
